BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: AZ
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:
Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. My record shows that these accounts was Late and I never missed a payments. Please provide me with enough proof as evidence that I have been late on these accounts. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXX XXXX : {$4300.00}

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Review the attached documents. I want the bureau to initiate an investigation into these accounts, as I am never late, but they are erroneously reported as such.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2023-06-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: LA
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:
I think I may have been a victim of identity theft. Account is not mine!

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 2023-12-15
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.

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 2022-04-21
Company: AES/PHEAA
State: MD
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:
In XXXX I consolidated my loans in order to be eligible for XXXX. I was on track to accrue XXXX PSLF payments in XX/XX/XXXX. The Fedloans representative I called specifically told me that some of my loans were already direct loans and did not need to be consolidated in order to qualify for XXXX. The Fedloans paperwork and website made it difficult to see which loans were actually accruing XXXX payments, and it took me several years to realize that some of my loans were not accruing XXXX payments. I was devastated. Dealing with Fedloans was so awful and frustrating that it made me physically ill. In XXXX I was told by FedLoans on the phone and in writing that my only option was to consolidate those remaining loans and start over with XXXX. Because Im on an income-based plan when some of my loans accrue XXXX PSLF payments in XX/XX/XXXX, my monthly payment will still be based on my income and will not go down until the remaining loans accrue XXXX payments in XX/XX/XXXX. I was hopeful that the XXXX waiver would correct the situation. Fedloans has continued to be difficult to communicate with, slow to reply, and unresponsive when replies do come. I have been paying all of my loans on income-based plan since XXXX while working for PSLF-eligible government agencies. The payments I made between XXXX and when I was forced to consolidate again in XXXX should count so that all of my loans- all which I have been paying the whole time on income based plans while working for eligible employers - accrue XXXX payments at the same time. FedLoans has failed to be a decent and honest servicer, and I am now extremely worried that the XXXX waiver will also fail to correct the damage caused by FedLoans failure to provide accurate information and unfair practices. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Bread Financial Holdings, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : CB/XXXX  XXXX &XX/XX/2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Capital One credit card which is currently subject to a promotional balance transfer rate. 

Capital One statements - unlike any other credit card I have had - do NOT disclose the expiration date of promotional rates. This should be very clear on each monthly statement. The only way to know the DATE that the promotion expires is to call the hotline, or save the terms of the offer. It is not shown on statements, nor when a user logs into the account online. 

This is a recipe for consumers to overlook the date the rates expire and face unnecessary fees because the company conceals this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent on XX/XX/XXXX a dispute. A verification of accounting. Company failed to respond or contact me about my dispute. I talk to an agent. Agent failed to acknowledge my claim just ask for a payment with out verification of my dispute. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against BMW Finacial Services, for committing identity theft. I have never given BMW Financial Services, any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with BMW Financial services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving BMW Financial Services right to collect on this alleged debt. 
I have never received any documentation requesting validation from BMW Financial Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If BMW Financial Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BMW Financial Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BMW Financial Services, continues its collection efforts, I will file for litigation for actual damages caused and BMW Finacial services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NY
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 submitted disputes to you and have not got a response within 30 days. You are required by law to do so. Please investigate my disputes Please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX 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 2022-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio recovery falsely updated a very old account. Constantly harassed me with false lawsuits. Have failed to respond to dispute within the 30 days timeframe. This account was ilegaly sold to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX XXXX. I have previously asked Amocol for validation of these alleged debts and accounts on XX/XX/2018, XX/XX/2018 and XX/XX/2018. Twice they have ignored my validation requests that were requested through the the XXXX major credit bureaus for 3 different accounts for amounts of : {$180.00} {$1200.00} {$920.00} I have attached the credit bureau disputes for XXXX  and XXXX. 

I have asked for original documents or contract with original signatures for this. I have asked for a chain of title if account was purchased from another company. And if this is any kind of medical bill or records being shared with a non medical company without my written permission that has to be a HIPAA and FCRA violation. I am asking that these accounts be " validated '' or immediately deleted from my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-30
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a 100 % XXXX veteran and I have received a tax exemption notice from my county tax department and have submitted that document along with the XX/XX/2022 tax bill to have my escrow amount reduced due to my {$0.00} tax burden decision, however the mortgage company just keeps giving me excuses that its being reanalyzed every time I've called since XX/XX/2022 with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/23 I called and spoke with XXXX at XXXX I asked to facilitate the process to have the funds deposited into my account the same one making payments.XXXX  stated it would take up to 20-22 business days for them to verify the funds and issue the payment of my funds via direct deposit. Per the contract I signed with Seedfi the my funds would deposited into my account with 2 business days after the funds cleared the account. I did not consent to my account being transferred to XXXX and the customer service is awful. I was told I could not file a complaint with them that I would need to call Seedfi at XXXX to file a complaint. I called Seedfi at XXXX MST XX/XX/23 to file a complaint and was told there is nothing they can do as they do not service the loan anymore. She also informed me that they have received numerous complaints about the customer service received and all they can do about it is document it and feedback to the loan servicer to correct the issue. It should not take a whole to get the funds from my account. I called back XX/XX/23 XXXXMST and spoke with XXXX and he said there is nothing to do as they do not service the account anymore and can not hold XXXX  accountable to the loan processing timeframes they previously adhered as they do not service the account and it is up to XXXX to honor the agreement or whatever processing timeframes they have set forth. I signed the contract with Seedfi I was not given the option to pay my contract in full to avoid it being transferred to XXXX. I did provide consent to this transfer either. At this point with both companies neither wants to take responsibility for not upholding the terms of the agreement I signed. It is unacceptable to make a consumer wait 22 business days to receive the funds when the account was paid in full. Previously when I had the account with Seedfi the funds were released within 2-3 business days after I paid the account in full. XXXX  is not upholding the contractual obligation being the loan servicer. I did not sign any paperwork stating I would adhere to new contractual terms with the assignment of my to a different loan processor.I want my funds without waiting this ridiculous 22 business day which is no where in the contract I signed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX of disputed information : XXXX XXXX  Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Inquiry Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

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 2023-12-13
Company: Shellpoint Partners, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received letter from XXXX XXXX XXXX forwarded to my new address. I do not live in XXXX XXXX stating my wages would be garnished for a total garnishment claim of {$3100.00}. Letter stated I had 45 days for an answer. I paid Aldridge Pite Haan a few days later for the exact amount on the letter. After paying the next day I called Aldridge Pite Haan because I did not get a receipt and I wanted them to send a letter of stop garnishment. Spoke to a representative that told me I had to pay more money because interest is daily and they would not stop the garnishment. Despite the total garnishment claim being {$3100.00} which I paid. They also told me they would not stop the garnishment until 45 days later stating there were rules. That week my wages began to be garnished and continue to be. I still have not received receipts a letter of stop of garnishment nothing in reference to this account other than what they sent to the courts despite the updated address I provided them I have also sent Aldridge Pite Haan e-mail communication two weeks ago which still remains unanswered.

Company response to consumer: Closed with explanation