BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i keep receiving letters from RESURGENT CAPITAL SERVICES about a debt that was paid off in XXXX from XXXX of which i paid off this has been paid off because I made a settlement with the first collection agency in XXXX I sent RESURGENT documents to prove this and each time I call them they would say the documents are insufficient and don't prove that it was paid off it keeps saying it is owed by LVNV FUNDING LLC. i sent all the paid off letters and when the payments where coming out of my checking account .also the persons who took payments out, I even sent them conversations we had concerning this matter this account needs to be fixed, this goes back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is regarding FEDLOAN SERVICING to transfer my loan payment to XXXX XXXX This is in reference to a loan payment of {$26000.00} made to Fed Loan Servicing on XX/XX/XXXX via check. The check was cashed on XX/XX/XXXX. I have made the request through XXXX ( my new student loan servicer ) to apply this payment to my current outstanding principal balance with multiple requests made starting XX/XX/XXXX. 

I received a call on XX/XX/XXXX from XXXX stating that Fed Loan Servicing has cashed my check and still has the funds. I have tried to contact Fed Loan Servicing regarding this, but the company does not have any active numbers ( XXXX ) for this request. 

FedLoan Servicing Reference Student Loan # XXXX XXXX XXXX Reference Student Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Nelnet, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/NELNET # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am XXXX XXXX, had a checking account with Bank of America with, while I was in the country. I left the country before covid and currently settled in XXXX as I am working here and not in a situation to return in the near future. I received a letter from the bank stating that my account is inactive and if do not respond, the funds would be transferred to debt funds dated XX/XX/. I tried to contact the customer care support asking their help to close the account and transfer the funds to my account here in the XXXX, but despite hearing all my requests, they are not even 'able ' able to authenticate my identity. 
First, they said that they will send a verification code to my mobile number according to their records. Since I am no longer having the cell number which I was using while I was in the US, they tole me that I can update any of my known friends or relatives number, so that they can help me. I updated with one of my close friends number, but they denied it later saying that it it not even updated in the system. Later another executive told me that there is another option to send the verification code over my email. I updated my emails nd started getting notifications while they are still saying that it may take days to get updated in their end. Then another executive told me that my ATM/Debit card which is required to verification process can be couriered to my current overseas address if I updated it with system. They also told me that if it happens, the charges would be deducted for the account also. After updating my address and while trying to request for a new card, it was giving me option only to request for my credit cared and Debit card option had already been frozen. 
Once speaking to an executive over the phone and when requested several times, she transferred me to her manager and the manager after hearing all my stories pretended that she tried to help me but after a while she disconnected the line saying that I am not audible. 
I am herewith requesting you to do the needed so that my account may be closed herewith and the fund left remaining may kindly be transferred legally to my XXXX account. Details can be provided later on request. 
I do agree that we all come across different types of online scams and I am not to criticize or blame any of the staffs who attended my call. 
Thanks and Regards XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife and I have had deposit accounts, a mortgage, and credit cards with Bank of America for the XXXX years. I am extremely disappointed by the negative impact I am having on my credit. 

I paid off my XX/XX/XXXX balance of {$5600.00} however it appears I was charged interest in the amount of {$34.00}. The interest fee wasnt paid as I thought I had a {$0.00} balance on this account. Once I realized that the bank was reporting me past due for bank the fees I decided I no longer wished to have this account. When I paid the interest fee I asked for my account to be canceled as the agent told me she wouldnt remove the 30 day late off of my credit report. 

Then, in XX/XX/XXXX, I was charged an annual fee of {$75.00}. By the time I realized the bank error, the bank was reporting me 150 days past due and my credit score had dropped nearly XXXX points. In XX/XX/XXXX, the fees and interest were paid in error by my bookkeeper as it makes no sense for me to pay an annual fee for an account that was supposed to be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been making my payments all on time and early by using debit card from the same exact checking account which is also capital one checking account, for many months. On XX/XX/XXXX th, 2022, I made a payment from the same account for {$170.00}. Thus payment cleared my bank account within minutes and XXXX days later it showed as payment received on Capital One mobile banking for credit card ending XXXX, bit has not been made available to me! I have Made numerous calls to Capital one even to XXXX teams and they all are telling me there is a 26 days hold and no one can tell me why other than is a processing time!!! 
This has cost me extreme financial distress as. I even Asked them to refund my money and they have refused to do that. My next course of actin after this complaint is law suit for conversion. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incorrect addresses on 3 credit bureaus Please remove all addresses from Alabama off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX XXXX Balance XXXX XXXX ; XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : - ; XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$5700.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights . 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have XXXX XXXX XXXX XXXX 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT XXXX ARE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Prince Parker & Associates
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received multiple calls from company stating I had an outstanding balance after card on file no longer processed payments monthly. Initially I rceieved no letter informing me the company had taken over my medical debt or given me an option to dispute within first 5 days. After sending a letter of validation they failed to respond back within the 30 day time period. I have both letters and reciepts showing time stamps of the 30 day response window.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have attached the information with my opt-out notice to Bank of America XXXX I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including XXXX, XXXX, and XXXX. Bank of America has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from XXXX, XXXX, and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is currently affecting my ability in being able to be approved for a mortgage due to reporting inaccurate payment history on all 3 bureaus. Showing me with late payment on XXXX, XXXX And XXXX in Experian, and different reporting on XXXX and XXXX XXXX. Im currently under contract and will possibly lose my escrow due to this. PLEASE HELP ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

NOTE : Please don't respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act, the following companies below has violated my rights. 
XXXX. XXXX XXXX  Account # : XXXX XXXX. CAPITAL ONE Account # : XXXX XXXX. XXXX Account # : XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation