BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: DE
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 'm a XXXX in a small firm in my early XXXX with student loan debt from XXXX school in the amount that some people have saved in pensions for retirement by now. My wife has school loans too which we 've been paying for years. We went back to school later and raising XXXX kids who are now just getting out of great colleges themselves means more loan payments. I 've managed to pay off over {$60000.00} in private loans and have {$140000.00} to go on my XXXX XXXX XXXX. The loan servicer 's contact person I communicate with regularly is very helpful but I do n't seem to qualify for a program that allows me to make an affordable payment. She said the first loan servicer I had for years who I would always ask for how I could make payments to reduce the debt, did me a disservice. There was just nothing but forbearance I was told and that 's still what I 'm told, it 's just forbearance. But that just makes the debt total higher. Right now the full payment due is {$1600.00} which I can not afford along with my mortgage and other bills. I 've been paying $ XXXXmonth during forbearance and have started paying a parent plus loan of $ XXXXmoth for my daughter. I 'm told I only have XXXX more year of forbearance but all I want is a plan to pay off the loans that I can afford and not be delinquent or default. If there 's anything you can do to help, please let me know. I want to be able to qualify for a steady repayment I can afford, and save some money for retirement, along with paying my mortgage and other costs of living. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, Paypal banned my account citing abuses of their policy, however, when I contacted them via phone, they were unable to disclose any information of how I violated their policies. I've only ever used it to transfer money between friends and family. The email I got claimed they would hold the money for 180 days and then tell me how to access remaining funds, but on XX/XX/2021 they instead transferred my balance ( XXXX USD ) out of my account and to themselves, effectively stealing it. Again, when contacted via phone support line, they were unable to give me any information about this transaction or why the account was banned in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage went from {$560.00} to {$700.00}. I was told that it was increased because they escrowed my delinquent taxes. I did not have any delinquent taxes. I was told if I sent a copy of my paid taxes they would refund my money. They only paid the amount due, {$320.00}. I asked if I could simply refund them, which I have. However, I have sent XXXX faxes with a copy of my taxes and asked them to stop the escrow as they said they were escrowing the amounts for next year as well which is why the fee was so high. Plus interest. I have been trying to get in touch with an account manager, who is never in. I leave voice mail messages which are never returned. The first account manager at least talked to me, even if he was lying. But I have had XXXX different managers in the last 6 months and this XXXX is the worst as he never returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the TXHAF program in XXXX of 2022 and the agency began correspondence with Midland Mortgage to ascertain information pertaining to my loan. They have requested the I-record every week since then and according to multiple agents from Midland Mortgage they haven't received anything asking for documentation. I have repeatedly called to get this resolved and have been met with rudeness and dismissive attitudes. Midland Mortgage is notorious for foreclosing on homes and I have assistance available but they aren't doing anything to assist me. I reached out today again to Midland Mortgage and asked to speak with XXXX XXXX and was again stonewalled and given a po box to correspond with the corporate office. Midland Mortgage reps stated they have sent a ticket to get information for the TXHAF program. They consistently lie or deny preventing assistance for mortgage relief. One rep stated they receive thousands of applications and I will just have to wait my turn. I spoke with 5 reps from the TXHAF program and they stated Midland Mortgage isn't responding to any other their requests and if they don't receive something soon they will deny my application and close it. This is so wrong. Agents for Midland Mortgage 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 2022-10-31
Company: Siggi LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Omni financial keeps reporting that I owe a ridiculous amount of money. The original loan wasnt for the amount they are reporting however they keep reporting that I owe them over XXXX XXXX  In XXXX last XXXX they reported I owed them XXXX and now they say XXXX when this loan has been closed for XXXX. They also keep reporting that my payment is late every XXXX drastically ruining my payment history on my credit report when this account has been charged off for over XXXX XXXX!!! It is fraud to report that I am late more than XXXX XXXX and ruin my payment history. This company is fraud and takes advantages of soldiers. They were also involved in litigation for over charging soldiers. They also are charging XXXX XXXX interest instead of the XXXX XXXX mandated by XXXX. Frauds!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: OPORTUN FINANCIAL CORPORATION
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:
I Called the company Oportun at XXXX XXXX. 
Personal loans : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Spoke with a customer service representative. I explained that the amount of my balance is incorrect. That needs to be up dated, as soonest possiable. I was told that they would forward the information to the correct department and Open a Ticket for follow up? 

** Oportun contacted me apologizing, that indeed the information was incorrect. BUT did not update the 3 main Bureaus with the correct information. What's the point of submitting the correction and complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Mutual Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mutual Management Services has been reporting inaccurately on my credit for a debt that they have never furnished ANY documentation for. I have sent multiple debt validation letters to their address listed on my credit reports, and I have personally received multiple calls from them ( just within the month of XXXX ) where they stated that they " do not respond to letters '' and that they would send the debt validation to my email. I have verified with them on multiple occasions my correct email, and they still have never sent it, most recently citing that they " had no record of speaking with me ''. Interestingly enough the email they had on file prior to their initial call in late XX/XX/2023, they had an incorrect email at which time I provided them the correct email. On the call where they stated they had " no record of speaking with me '', they still seemed to have the correct email on file. 

I have 3 issues : Firstly, this company has broken the law by not responding to any of my written or verbal communications as mandated in CFPB 1006.4.

Secondly, they have made promises to communicate regarding the validity and accuracy of said debt, and have never followed through despite multiple attempts and pleas for them to do so.

Thirdly, I wholeheartedly disagree with the amount they are proporting that I owe them. I have made multiple attempts to make this right by reaching out to get information on this alleged debt, contacting the original creditor who has no recollection or information on alleged debt, and even offering to settle- to no avail.

This company ( despite being unable to prove the alleged debts accuracy ) has regularly been furnishing late payments and increased balances on my credit report for a debt that I do not owe. This has caused harm on my ability to be approved for credit and my ability to obtain housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This month XXXX XXXX I already paid the insurance and still got two lat fees. I called us bank about the cashier check and they said check was good. I deposit check but usaa stop it. Giving me a fee plus another fee and another fee..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CIG FINANCIAL LLC
State: TN
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:
Vehicle was paid in full, but still shows on my credit file. Please remove from credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
It is EQUIFAX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 3 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: LA
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:
I sent a letter off XX/XX/2023. Here is the tracking # XXXX. To remove inaccurate information from my credit report. According to the fair reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 


These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: RS Clark and Associates, Inc.
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:
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 R.S. CLARK AND ASSOCIATES is trying to collect on a debt that does not belong me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I receive benefits from the state through this card. There were 2 fraudulent withdrawals from My account of a XXXX dollars. I keep telling bank Of America that it was not me and they keep rejecting me without telling me why. I asked them to show me surveillance video of the withdrawals to prove it wasnt me and they refuse, this is a fraud that they are concealing in order to cover their lack of security and wont give me My Money back. Dont help them on this and punish them!!

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 2023-03-20
Company: EQUIFAX, INC.
State: MD
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 is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Lazega & Johanson LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS IS A FOLLOW UP COMPLAINT REGARDING XXXX XXXX XXXX AROUNG XX/XX/XXXX I REQUESTED THE INFOMRATION BELOW : I PREVIOUSLY CONTACTED XXXX XXXX CREDIT CARD FOR THE PURPOSE OF OBTAINING ALL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY XXXX XXXX  WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. XXXX ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST LAZEGA AND JOHANSON LAWFIRM. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!!

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 2022-03-08
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine, and needs to be removed from my credit report. I've already disputed it before, and it's still showing on my XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV and XXXX XXXXXXXX XXXX  contacted me last year regarding a debit thats not owed to them. I asked them for a signed contract and please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor, date of last activity, my full, complete, and correct social security number that may help to identify me as the correct person you are trying to collect from, agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor and obligation between them and I that allows them to collect on the alleged debt and any transactions between their company that binds me to an agreement to pay their company any money that they claim I own and all they sent was a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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