BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: BSI Financial Holdings, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home in XX/XX/XXXX. BSI Financial was assigned to service the loan. The first property tax they were responsible for paying was due XX/XX/XXXX, in the amount of. They failed to pay the tax and I had to call them twice. The bill was finally paid on XX/XX/XXXX. BSI did cover the delinquent penalty of {$56.00}. XXXX did pay the next quarterly installment of {$1400.00} due on XX/XX/XXXX, posted by the County on XX/XX/XXXX. The next quarterly installment, {$1300.00}, was due XX/XX/XXXX, and deducted from our escrow account on XX/XX/XXXX. The County never received the payment. I called BSI on XX/XX/XXXX, was told they mailed the check on XX/XX/XXXX and they would look into it. I checked the County website again on XX/XX/XXXX, the taxes had still not been received. I called BSI again after I checked the County website and spoke to XXXX, who put me on hold to go talk with someone in the Escrow Div. She told me they were aware the County did not receive the payment and that a check would be expedited. I kept checking the County website, no payment received. Waited two weeks, called BSI, XXXX on XX/XX/XXXX. She put me on hold and pretty much lied to me that they just became aware of the problem. Today XX/XX/XXXX, no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Credit Control , LLC stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to XXXX XXXX XXXX and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX XXXX, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights.

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 2017-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I previously filed a complaint against Equifax in regards to student loans that I have being serviced by XXXX XXXX XXXX. The issue was addressed and the accounts were corrected accordingly. 2 of the loan sequences, which are private loans under the name XXXX XXXX, were corrected and now they are reporting inaccurate information again in regards to late payments. I 'm very upset about these changes and this is seriously affecting my credit score. I have included screenshots of the corrected reporting that was displayed on XX/XX/XXXX and the incorrect reporting that is now displayed on my Equifax consumer report last reported on XX/XX/XXXX. My student loan accounts with XXXX XXXX should be reporting 0 late payments as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: OK
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:
Started receiving letters and phone calls from car dealerships about loans over the past few weeks. Initial thought was these where just scam phone calls but after we looked at my credit score there have been multiple hard inquirers on my credit and in my name over the past month. When we looked at my credit report there is also alternative names and addresses on file that don't belong to me. My credit score has also dropped due to these inquirers. We have frozen my credit on all 3 companies and now want to know what the next step is for me to make sure no loans were taken out in my name, find out how to my information got out and how to protect it going forward, and how to get my credit score back to where it was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CAP ONE AUTO Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality u nder 15 USC 1681. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-27
Company: EQUIFAX, INC.
State: IL
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to get a tooth pulled from XXXX XXXX of Louisiana. I received services and paid in full. Starting immediately after this visit an aggressive " follow up '' campaign began of weekly calls and texts stating I needed to make additional appointments for cleanings and such. I did make 2 additional appointments. Both times I PAID IN FULL!! The " follow up '' campaign continued for some time after that. Skip ahead to XX/XX/2021 I noticed a collection on my reports. I tried calling them to explain they had made a mistake that I had paid in full for ALL of my visits, they did not return my calls. I went into the office and this is when I discovered I wasn't in collection for failing to pay for services rendered, I was in collections because of a " missed appointment fee '' of {$75.00}. Long story short I reluctantly agreed to pay this bill because they said they would remove it. I paid it on the spot. XX/XX/2021. I waited a month and still no removal. I called the dental office and they stated again they would get it removed. I then disputed through equifax that I had paid this bill and its still reported as unpaid. The collection company " Tele Recovery of Louisiana '' told equifax that it was still unpaid! Even after a month of it already being paid! Is it even legal to put someone in collections over a debt they didn't know about? XXXX claimed to send invoices to an address I no longer lived at. Neither of these two entities bothered to call me and let me know I even owed this debt, before putting me into collections, even after all the harassing calls to make appointments. I am XXXX years old and have worked all my life to finally get to a place where I had a spotless credit report and this all seems malicious in its intent. Can you even be put into collections over a " missed appointment fee ''?

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 2023-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, a woman from phone number XXXX called me, my husband, and my husband 's brother. Voicemails were left with my husband and I, but only our address was provided as " verified ''. No names were mentioned, including who she was or where she was calling from. She ended the voicemail with " you've been notified ''. My brother in law answered the call eh received and was informed the call was regarding an unpaid debt from XXXX in my husband 's name through Wells Fargo. They advised it was paid on for five or six years then stopped. We were all given another number to call back - XXXX. My husband called it and spoke with someone who advised they will settle with him for a fraction of the cost, and that if he does not pay, they will come after me for the money. He advised he did have a loan through Wells Fargo, but it had already been satisfied. I called the XXXX number today to get a " not in service '' recording. I called the XXXX number and spoke with XXXX, who was very short and careful about what he shared with me. He said my husband has already been in contact with the, that he is scheduled to be served with a court summons, and that he needs to reach out to his case administrator. The only identifying info any of us have for the company ( other than the phone numbers ) is " XXXXXXXX XXXX XXXX '' ( unsure of spelling ). No XXXX results appear for that phone number. Honestly, this seems to be a fraudulent company or scheme. I was not with my husband in XXXX and my brother in law was not connected whatsoever to the loan that was taken out around that time frame. The loan was in my husband 's uncle 's name and my husband was unknowingly placed on the loan.

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 2018-08-09
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX I initiated a dispute with Experian about an inaccurate credit entry from XXXX XXXX XXXX ; reporting my account with them as 30 days late in XX/XX/XXXX. 
On XX/XX/XXXX, I received notice that the dispute had been resolved and the file updated. However, the only thing that updated was XX/XX/XXXX changing from " OK '' to " ND '' ( No Data ). No changes were made to XX/XX/XXXX. 
I called Experian on the evening of XX/XX/XXXX to inquire about this, and have them send me what evidence XXXX XXXX presented to verify the data was accurate. 
Initially, I spoke to XXXX. He claimed there was nothing Experian could do unless the creditor updates the information they send in. He conferenced in XXXX XXXX to ask if the data was correct. However, the XXXX XXXX rep said they are now using a new system, and he did not have access to the system they used in XX/XX/XXXX. Since my account was setup for auto-payment at the time, he said there could have been an issue with debiting and posting dates. They stopped offering auto-pay about two months after I signed up for it. 
I explained to XXXX multiple times that Experian is required to have their data reporters furnish proof of accuracy for disputed entries, and they are legally obligated to provide that proof to the consumer if the consumer asks for it. For this dispute to have been resolved, XXXX XXXX would have been required to furnish said proof. XXXX wanted to argue that they are not. 
Next, I spoke to XXXX 's supervisor, XXXX, who claimed that during a dispute, creditors are not required to submit any proof beyond what they report. He further explained the dispute process is for Experian to ask the creditor if their information is correct, and if they say it's correct, then Experian does not change it and there is no requirement for the creditor to furnish any evidence of accuracy. 
Can you imagine a judge asking a criminal, " Did you do it? ... No? ... Well then, you're free to go. '' That is essentially what Experian says is their veification process.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-16
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card with XXXX XXXX XXXX It ended up in collections. I was not able to pay the debt at the time. I was served with court papers through the mail regarding this debt. 
The Court Date was set for XX/XX/2021 I was not able to make it. I found out XX/XX/2021 that my bank account was being garnished for the amount of the Judgement which was {$740.00}. in the court writ of garnishment. 
1- Original amount of judgement entered on XX/XX/2021 for original amount of {$620.00} 2- Plus Any interest due on judgement ( currently 8 % per annum ) in the amount of {$9.00} 3- taxable costs ( including estimated costs of service of the Writ ) in the amount of {$100.00} 4- Less any amount paid or adjustments in the amount of {$0.00} 5- Principal balance/Total amount Due and Owing in the total balance of {$740.00} The Canvas Credit Union released the money to the collection agency XX/XX/2021 in the amount of {$740.00} As of today XX/XX/2021 they HAVE NOT reported it to the Credit Bureau I called them to ask why this debt has not been reported paid and they told me that it wasn't paid there was still a balance of {$11.00} in interest that was accrued. when asked why there was still a balance of {$11.00} in interest when the Credit union released the money XX/XX/XXXX, XXXXthe could not tell me why. 

I spoke to the and she couldn't tell me there was interest accrued that I had to pay the amount of {$11.00} for the debt to be settled. 

I asked why I was not called or informed of this extra amount. They could not tell me. 

I have the Court Document And I should not have to pay anything more than what was in that court document. 

I paid the amount but do not believe I owed them any more that the {$740.00} on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a XXXX XXXX XXXX XXXX and even though I've sent in documents from the State of Florida XXXX XXXX XXXX XXXX XXXX  verifying I'm a victim as well as a written letter advising what information needs to be removed, they're refusing to remove it. This breaks the law that was just passed last year.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 violating my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1981 Section 604A Section 2 : It also states A consumer reporting agency can not furnish a 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
Consumer complaint received 2023-04-14
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My loans were paid off completely by XXXX of XXXX. On XX/XX/XXXX I called XXXX inquiring about my qualifications for receiving the student loan reimbursement that I understood I could qualify to receive after the Biden-Harris administration announced the Loan Forgiveness. I had completely paid off my loans during COVID-19 pandemic and for this reason, and given that I received a Pell Grant in the past, the person I spoke to on the phone stated that when verified, the aforementioned would qualify me for this refund. The person never counseled me on the fact that to receive this refund, that would mean completely reopening 19 loan accounts in my name and report them to the credit bureau. She only very casually mentioned that I could see a balance in my account but to not be worried about it because this was part of the refund. 
Months later I get a random deposit of XXXX from the Department of Education and when I call them, I find out I owe XXXX on my student loans and that money is for me to pay it back. This is completely nonsensical as I did not owe a single cent. I have been blindsided and now my credit reports shows a sudden opening of loan accounts and my car insurance has raised my car insurance because of this. I will take the necessary action to get the accountability from XXXX as it is my consumer right to be informed of something that will be opened in my name and reported to a credit bureau Pertinent Dates : XXXX XXXX-ALL student loans fully paid off XXXXSpoke to XXXX  rep regarding student loan refund XXXX -- XXXX Received XXXX from Department of Education without any written notice explaining what money was for a XX/XX/XXXX -- XXXX Spoke to XXXX rep who disclosed they had in fact reopened my loan accounts. Realized at that point that I was misinformed by them and that they had without my consent reopened my loans XX/XX/XXXX -- > XXXX XXXX sends me a letter letting me know I no longer qualify for my previous rate based on Credit Reports XX/XX/XXXX -- XXXX Sent XXXX XXXX a request to see what they had reported to XXXX XXXX that affected my Car Insurance XXXX -- XXXX realized there are 19 new loan accounts opened in my name by XXXX

Company response to consumer: Closed with explanation