BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I relocated to another city for college ( away from the XXXX  ). They continued scheduling appointments, although I verbally explained that I was moving and that I could not travel that distance to make appointments. I was paying out of pocket ( Monthly payment plan ) for these expenses with the help of parent as needed. I was told there was another office near my school ( which I got in contact with ) and was told I basically would have to start a new contract or treatment. Which included a XXXX  XXXX  that they said was needed and I never received. I decided not to do so because it was pointless being as though I had already had them on for a while and had been paying a certain price. I also did not drive ( parents werent around to transport me anymore ) and I didnt have a stable income. At this time I did not know that I was still being charged although I wasnt visiting the office. Fast forward I joined the military ( again relocated ) in which the XXXX  had to be removed in order to attend basic training. After checking my credit score I noticed 1 derogatory mark. I contacted the original provider and informed them again that the XXXX  had been removed and I relocated and that I did not even finish my treatment. They told me it had already been sent to collections so it was out of their hands, they forwarded me to the correct point of contact and I explained my situation to them as well. In return I was offered a deal to pay off the payment. I never went to an appointment unpaid. The payments stopped when I stopped going. I was paying when I was receiving treatment in the original city.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To whom this letter reaches, In XXXX of XXXX I purchased a car from XXXX XXXX and financed through XXXX. On XX/XX/XXXX a 11:30XXXX myself and a friend were in a hit and run accident in XXXX XXXX PA XXXX The car was deemed a total lost, XXXX was notified and XXXX insurance sent a check to XXXX for {$17000.00}. On XX/XX/XXXX I went to apply for a car loan and was told that XXXX put {$23000.00}. I called XXXX and spoke with XXXX ID XXXX, who was very rude. She cut me off mid story and talked over me stating that the account was 120 days past due and is a charge off that will stay on my credit for 7-10 years. I asked why and how I had such a large charge off on my account and that it was preventing from getting a new vehicle. I asked her if they could fix the mistake and she stated that there is nothing they can do since the car is charge off. When I asked her why the account was listed incorrectly if they received a check, she did not have an answer. I also asked why my gap insurance was not applied to the balance as I was advised by farmers that it would be. I did not have any information for the gap insurance since it was in the car. I asked XXXX for the gap insurance phone number she states that she did not have it but eventually gave me the name. I dont think its fair that a charge off for such a high amount was put onto my credit report incorrectly. This mistake has prevented me from getting a new car and resulted in me spending thousands for a rental car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting 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:
This marks my eighth attempt to submit a complaint concerning this matter. In 15 days, I intend to update my credit report, and I am concerned that, similar to my previous endeavors, my request to eliminate fraudulent items from my credit reports may be disregarded. I question whether it is necessary to continually remind you that, as per FCRA Section 605B ( a ), credit reporting agencies are mandated to remove any items identified by a consumer as information resulting from alleged identity theft, not later than 4 business days after the date of receipt. Given that none of my letters and complaints have been attended to since the initial correspondence, I am hopeful that 15 days from now, upon updating my credit reports, positive deletions will be evident. I will also attach the FTC report with reference number # XXXX for your consideration. Enclosed are the items that I formally request to be removed from my credit reports across the respective bureaus XXXX XXXXEXPERIAN 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 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 explanation
Consumer complaint received 2023-04-07
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX of XXXX, I purchased a XXXXXXXX XXXX  XXXX which costed XXXX and the interest rate of 26 %, which ended up being around XXXX. In XXXX a dear hit my car, and after the process, of my insurance claim, the car was a total lost, my insurance did there part, paid for the car, and I received a receipt from the lending company stating that the loan was paid in full. When I talk to them they did not honor, the fact that the loan was paid in full, and stating that I still owed on the car. Thats why today Im making a complaint because Im out of a car and trying to purchase another, and I would like global lending to honor there receipt of paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
According to 15 USC 1681 section 602 A States I have the right to privacy. 

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

15 USC 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 more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX ONLY ADDRESS SHOULD BE ON MY CREDIT IS THE ADDRESS REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have 4 accounts ( three checking and one money market ) with BBVA ( now PNC ) and I have no access to these since Monday XX/XX/21. I physically went to the branch on XX/XX/21 and the teller was unable to give me the routing and account numbers due to limitations with the system. She was great but her hands were tied. I am able to login but my accounts are not visible, nor am I am able to complete any financial transactions. 
I have in writing that I would be supplied with these account numbers prior to the merger but nothing was received. 
I hope PNC is heavily fined for this gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MI
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 fourth 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
I HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS

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 2023-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am extremely dissastified and frustrated with the handling of my recent disputes regarding certain accounts on my credit report. Despite my repeated efforts to seek validation of the debts in question, there has been a glaring lack of information provided by your bureau. The following accounts are causing me immense distress, and I have yet to receive sufficient evidence validating these debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I emphasize that I am the victim of identity theft, and it is perplexing and infuriating that your bureau has not complied with the law to ensure accurate reporting and debt validation. The other credit bureaus have responded appropriately to my disputes, leaving me bewildered as to why your bureau persists in this non-compliance. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2022-11-30
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have reached out to PNC on several occasions in regards to requesting a refund for fraud and when I spoke with a worker I was told that I had until XXXX to file a dispute. I filed the dispute prior to this date as I was trying to go back and forth to see if the company Beyond the chair would refund me as they are fraud. I've called several times on this account and asked PNC to file a dispute, but they refuse to reach out to the company who took my money for a service that was NEVER received. PNC doesn't want to dispute the charge. I've reached out and filed the dispute several times and submitted all the documents. On May I went to a meet and greet with business owners who scammed me out of {$990.00} and I reached out to them several times to get the ball rolling. This company didn't respond until I stated I'm getting my bank involved. During this time we got the process rolling to start and then they ghosted me. I reached out a lot to see if they can refund me. I then reached out to PNC and spoke with a rep who stated I have until XXXX to file a dispute and just be sure to add all the documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: ENOVA INTERNATIONAL, INC.
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am guessing this is either a fraud or Its a paid debt. They said it is something being held after my social security number and That to have to submit my document at court. They also refused to send me documentation to my new address. The woman was very rude and was using my address from XXXX. She also claimed I took out the loan XXXX which may have been possible that is when i had My last job before I filled for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been attempting to contact NelNet for several months now. Regardless of when I call during the day, the hold time is over an hour. Once, I waited on hold for two hours before finally being able to speak with a representative. I explained to the agent that I was unable to afford the payment, and I had been paying on this loan since 2003. I have reached out multiple times via phone, website forms, and email, but I haven't received any response on how I can make this more manageable for myself and my family. I'm unable to speak with a live agent due to the long wait times, and I don't have the time to wait on the phone for XXXX hours or more. It's important to note that I didn't originally obtain a loan with NelNet ; I was initially with Great Lakes Borrower Services. This situation is negatively affecting my credit, and I need help. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to EQUIFAX and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: 21ST MORTGAGE CORP.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22, I spoke with a party who is interested in buying my home from me. They requested I reach out to my Mortgage Company, 21st Mortgage, to inquire about Assuming the loan vs them finding their own financing. I reviewed the original contract signed at closing, and found that the clause implies it is possible for the Note to be assumed by another party/entity. On XX/XX/22, I called the mortgage company and requested them to explain to me what the process would be and what would the interest rate be if that person were to assume the note. The Financial Counselor did not hesitate to state that their company does not allow XXXX XXXX I pointed him to the contract. He stated that the contract was the original contract and that it only implies that it may be assumed. I corrected him and stated that the use of the word may is traditionally used in contracts and does not mean that they do not allow it. He offered for me to speak to his supervisor. We spoke and I got the same response. I am writing a formal complaint against this lender for unfair practices and not honoring the contract terms. I also am submitting for fraud as their website discusses the possibility of Loan Assumption under their Financial Hardship options. The Financial Counselors Supervisor also did not accurately portray what a Loan Assumption is as there are different types. Instead, he focused on one and tried to make it sound like they are protecting me, the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
For several months of 2023, I have tried to solve a problem with the XXXX XXXX bank account, in which I sent you a letter explaining the situation since this account was closed, paid in full but in my report it appears to me that it had 2 late payments. 

Unfortunately I was a victim of bank theft and this account the bank made the refund of the security payments but once the problem was solved the account was paid and this problem was never had. 

I sent a letter waiting for a response from the company and to date I have not received any notification, I made several calls so that please with the evidence sent this will be removed from my report, because it is an account that is not due and that only affects my credit. 

The person in charge notified me that since the account is closed they can not make the modification that this modification must be made through the credit agencies since they can not delete this so I ask that this information be corrected or removed 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 explanation