BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX Allied Collection Services Inc out of XXXX XXXX is trying to intimate? bullying me into paying for a debts that I do not owe. I notify them I was not responsible by sending them FTC Identity Theft Report and a Police Report of the actual incident. I'm frustrated that this keeps reappearing on my credit report after I've disputed numerous times in the past. I'm being harassed by these companies. I'm an old man and I don't owe anyone anything. Please help me this is making me lose trust in our Government.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: GA
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:
credit reporting agency reporting items without my 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 explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

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 2021-11-04
Company: EQUIFAX, INC.
State: AZ
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 is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with XXXX XXXX First complaint ID with XXXX XXXX First complaint ID with Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My servicer ( Edfinancial ) sent me an email stating that my first payment after the pause is scheduled for XX/XX/XXXX. This was a shock considering that on the government website, it states that my post-grad grace period doesnt end until XX/XX/XXXX. This is my first time with any type of loan and I have lots of questions but especially on my repayment schedule because of this discrepancy. 

Ive been attempting to reach out for three weeks now. Ive sent multiple emails, calls, and submitted callback requests and received no information in return. Im not sure what else to do other than to begin my repayments while still having questions about my loan and why my payments are being collected while I should still be in my grace period ( per govt website ). Other people who have commented on their social media are having similar issues and every time I have called the wait time has been around XXXX minutes which is absolutely unacceptable. I should not be forced to work with a loan servicer that can not be reached at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: NY
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 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 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 under 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 non-monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

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 2023-10-07
Company: Global Lending Services LLC
State: AZ
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, XXXX Account # XXXX, has violated my rights. 15 USC 1681 a ( 2 ) A ( i ) states that transactions are not included in the consumer report. 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Initially borrowed XXXX from Net Credit and they were not clear as far as what their repayment schedule was. It was my understanding the repayment amount quoted to me was per month, and it ended up being every week! The interest rate is ridiculously high and I called to adjust my payment schedule which it took forever to talk to someone after being put on hold forever and they were rude and couldnt help me lower the payments. After I made the payments I could and then no more, they sold the account to an aggressive collection agency XXXX XXXX, that immediately reported it to the credit bureau that calls about 5 times a day starting at XXXX XXXX. XXXX ( XXXX ) XXXX among other numbers. Net Credits interest rates are way too high. I had already repaid over {$850.00} of the {$1000.00} due and now they say I still owe a total of {$1500.00}. And that is supposed to be a good offer. I would never use that company again. They prey on people that need some temporary help and its a nightmare with terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/, I made a payment of {$2400.00} to ProCollect Incorporated. Subsequently, they assured me that they would remove the associated debt from my credit report.Certainly, here 's a template for a complaint letter to a debt collector requesting the removal of a paid debt from your credit report.I kindly request that you promptly investigate and correct this matter by removing the debt from my credit report. Furthermore, I expect written confirmation from your agency once this correction has been made.

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 2023-06-14
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought an investment property to rent out a home in XXXX XXXX Ny in XXXX. In XXXX went to default and in XXXX XXXX XXXX started a first foreclosure action and in XXXX entered into a first loan mod with XXXX XXXX XXXX. Went into default again and XXXX XXXX started a second foreclosure in XXXX. In XXXX XXXX filed a summary judgment motion which was granted. In XXXX XXXX XXXX assigned the mortgage to Specialized Loan Servicing LLC ( in Colorado ) and entered into a second loan mod in XX/XX/XXXX and in XX/XX/XXXX asked me to enter into a corrected loan mod which I did not sign. No payments were made or requested after did not sign the corrected loan mod. In XXXX XXXX XXXX XXXXXXXX received a Referees Deed in XX/XX/XXXX XXXX XXXX  XXXX started an eviction proceeding against the tenants living in the home and a hearing is scheduled for XX/XX/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 2023-04-18
Company: Grant Mercantile Agency
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Grant Mercantile Agency , Inc. 
I am writing this letter to inform you that I, ( XXXX XXXX ), am not responsible for the outstanding bill for the ambulance services that were provided to me on XX/XX/2022. As you may be aware, XXXX XXXX XXXX XXXX XXXX XXXX XXXX on that day and suffered severe injuries, which required immediate medical attention. The accident was caused due to the negligence of the other driver, and I hold them responsible for the incident. 
As a result of the accident, I had to be rushed to the XXXX in an XXXX, and the XXXX XXXX  were necessary to ensure my timely and safe XXXX XXXX XXXX XXXX. However, I want to clarify that I am not in a position to bear the cost of these services since I was not at fault for the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I responded to a savings incentive offering XXXX for depositing XXXX into the account and maintaining the balance for 90 days. The account had less than XXXX in the account at the time and a withdrawal was made prior to depositing the XXXX which happened immediately after activating the incentive. I held the funds in the account for over 90 days with a balance in excess of XXXX for that time. The refuse to honor the incentive. They also wasted hours of my time on the phone and had multiple opportunities to inform me that they would not honor the incentive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with Transunion XXXX First complaint ID with XXXX XXXX First complaint ID with 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 2021-03-17
Company: Chime Financial Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I use chime, and when my taxes or stimulus comes in I have to send them a copy of my tax form and photo is to verify Im the rightful owner. This usually takes a day but am told up to 48 hours. Saturday at XXXX ct they emailed me asking for the documents and I responded an hour later providing the documents. Its now Wednesday afternoon and after emails and calls no one will answer me or give a status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: TN
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2021-03-17
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
At the end of XXXX, I closed a mortgage refinance with XXXX XXXX. The loan being refinanced was serviced by XXXX XXXX XXXX. 

After closing of the refinance but before the funds to payoff the old loan were sent, servicing of the loan was transferred to Flagstar Bank. Because of the timing, the payoff funds were sent to XXXX  XXXX XXXX. The funds were then forwarded by XXXX XXXX XXXX to Flagstar. However, Flagstar is unable to locate the payoff funds and claims they are lost. 

Here is a detailed timeline of events : XX/XX/2021 Refinance closing documents signed XX/XX/2021 Servicing of the old loan ( the one being paid off by the refinance ) was transferred to Flagstar Bank. 

XX/XX/2021 Refinance recission period ended and loan was funded. Settlement company, Title365, wired payoff funds to XXXX XXXX XXXX. Wire transfer amount : {$440000.00}. Wire transfer ID : XXXX. Wire transfer confirmation number : XXXX. 
Note that the payoff statement provided by XXXX XXXX XXXX was good through XX/XX/2021. 

XX/XX/2021 XXXX XXXX XXXX forwarded payoff funds to Flagstar Bank. Wire transfer amount : {$440000.00}. Wire transfer ID : XXXX. Wire transfer confirmation number : XXXX. 

XX/XX/2021 Contacted Flagstar Bank by phone. Customer representative created a " lost funds '' report ( ticket number XXXX ). At this time, I had not yet obtained the wire transfer ID and confirmation number from The Money Source, so I only provided the date and amount of the wire transfer to the Flagstar representative. 

XX/XX/2021 Flagstar closed the " lost funds '' report saying they could not locate the funds. 

XX/XX/2021 Received the detailed wire transfer information from XXXX XXXX XXXX over the phone. Contacted Flagstar Bank by phone again and created a new " lost funds '' report ( ticket number XXXX ). This time I was able to provide the detailed wire transfer information to the Flagstar representative. 

XX/XX/2021 Contacted Flagstar Bank by phone again. Customer representative again said they could not locate the payoff funds. It is unclear if they are still looking for them and if the " lost funds '' report has been 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 explanation
Consumer complaint received 2023-04-18
Company: Affirm Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My XXXX account got hacked and they ordered items and I was able to cancel with XXXX. However, it was charged to a firm and I notified them and they will not forgive the death. They will not leave me alone after every attempt I have filed a claim with them I called them, and now they continually call me day after day day after day day after day several times a day And they just wont stop there attempted to collect a debt for a past due account that was not created by me and they are aware of this both my phone and email I havent used them since XXXX

Company response to consumer: Closed with explanation