BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: AES/PHEAA
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent over verification of my signature which showed that this account is not mine. I have sent several letters asking for verification of the debt sending a wet ink signature showing that this acct was signed for. They ignore my request and only send a letter asking if I want to try to apply for a loan discharge. When 99 % of people applying for this discharge has been denied. This is according to a current lawsuit against Federal Loan Servicing. 
They never responded to my letter and it's over 30 days. So they are in violation of FDIC and FDCA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Fraudulent. I have sent in FTC complaint several times, police report identity report documents were sent certified mail. They were very rude to me on the phone. Equifax clearly violated my consumer laws which i been a victim of identity theft. 

Alo the inquire below are also fraud Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

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Company response to consumer: In progress
Consumer complaint received 2017-11-13
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have now have four medical debts that were once removed reappear on my XXXX credit report. When I disputed 1 of the 4 all which was from the same company AssetCare LLC were removed. The other three were not. This is my second credit report that AssetCare LLC has reappeared on. I was never sent any type of letter from AssetCare stating that they would be adding any debt to my credit report so I had no idea and I di not have a chance to ask them for proof of debt or to advise them that they are not licensed in my state as a collection agency before the debt was added to my credit report, I did advise XXXX that these were not my accounts and they were removed in the past. Also that in XX/XX/XXXX 2016 the accounts were under Capio Partners LLC and once I disputed, all were removed. Capio Partners LLC is just another name that is under AssetCare LLC.Then I also stated to in the latest dispute letter to XXXX that AssetCare LLC is not licensed in the state of Florida ( which is where i reside ) to be a collection agency. Also I asked for proof since AssertCare and XXXX states this is my account and was verified by AssetCare LLC. All I received back from to my request for proof from XXXX was that the accounts were verified and that I could file a report with CFPB. I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution. I am attaching all the proof I have to show I disputed all the bills and the results that I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2022-08-29
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: Reporting company used your report improperly

Complaint:
I sent Equifax a certified letter on XX/XX/XXXX which was received by their office on XX/XX/XXXX. They were notified of several fraudulent accounts listed on my consumer credit report that was NOT made by me. I requested that they block these fraudulent accounts ( LISTED BELOW ) under the Fairs Credit Act 605b. According to the fairs credit act, once requested the Credit Bureaus are REQUIRED to respond within 4 business days. EQUIFAX HAVE FAILED to respond and block these fraudulent accounts therefore violating my rights under The Fairs Credit Act. I also requested that EQUIFAX remove the fraud alert from my consumer credit report as I have had it on my credit report for 2 years and Equifax still reported fraudulent accounts to my consumer credit report severely damaging my family and myself financially. I may also note that My information was breached in the Equifax Breach XXXX and also recently in that data mishap at the beginning of XXXX in which my score was inaccurate because of their mishap which caused severe financial hardship. I I would like assistance in this matter and if possible request legal assistance against Equifax for their repeated violations. I have attached the original letter sent to Equifax which includes an official FTC report filed with the Federal Trade Commission. 

FRADULENT ACCOUNTS XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$32000.00} XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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: In progress
Consumer complaint received 2019-08-28
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2019, PNC mortgage broker XXXX XXXX ( Mortgage Loan Officer NMLS XXXX ) informed me a rate ( 3.125 % ) that is 0.125 % lower than the true rate ( 3.125 % ) in effect upon closing. She later admitted the mistake but said there was nothing that she can do. When I learned the true rate, it was too late for me to switch to another mortgage company because there was not enough time before the school year starts in XXXX. She also informed me of a lender 's credit in the amount of around {$1900.00} in early XXXX as a compensation, but that credit was later withdrawn by PNC without notice. She also informed me of a number for funds needed for closing which turned out to be deficient by {$12000.00}, which caused me great inconvenience in preparing for the closing funds on a short notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: IL
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:
XXXX Is sabotaging my credit report, it has been constantly dropping for the last XXXX with no reason at allI have lowered all my debt each month there is no way my credit score should be constantly going down with them, this is ruining my credit. And ALSO I told the Credit companies to REMOVE all information regarding XXXX XXXX from my account because the situation was fraudulent, they refused to close the account when I originally told them too, regardless of what they are telling you, I filed a police report already. if my credit score is not fixed and you continue to ruin it, I will take legal action because you have no valid reason to give me negative credit reporting scores for XXXX month consistently without probable cause or explanation. 

XXXX Also sent me a confirmation letter of deleting the account as well. So I dont know whats going on. all I know is XXXX keep negatively reporting my account with no reason or explanation.

Company response to consumer: In progress
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : Transunion, XXXX and XXXX and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from Transunion, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.

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 2018-04-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several certified letters to XXXX XXXX XXXX about this matter. This debt is not mine. I have never opened an account with Synchrony/Care Credit. This debt is reported on my credit report, but is another individual 's with I am assuming the same name as mine. The debt is listed under XXXX XXXX, but I my legal name is XXXX XXXX. I have never used XXXX  as a name to open an account as it is not my legal first name. I have tried since XX/XX/2018 to resolve this matter and to this day XXXX XXXX has not provided any signed contract to validate this debt is mine. This is damaging 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
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filig this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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: In progress
Consumer complaint received 2022-08-29
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Towards the end of XXXX 2021 I was out of work for 2 months and got behind in my mortgage payments. By XXXX I was 3 months behind, I then contacted the mortgage company and requested their home assistance program. I submitted all the requested info and a couple weeks later was told that because I failed to send in all the info that the case was closed. I called them and talked to at least 4 people who told me different things were needed. By XXXX I submitted a complaint to XXXX because I was constantly getting the runaround and being told that all info was not sent even though I had proof that I did. After complaining to XXXX the mortgage company got back to me and said that they would check into it immediately, I then received a call from the Manager XXXX XXXX stating that she didn't understand why this was taking so long, that they had received all the proper documents and that I should be hearing from them by the beginning of XXXX. It is now the end of XXXX, I am further behind in my mortgage and I've heard nothing from the company ( New American Funding ) still. Since I decided to go with this XXXX it has been a constant struggle, getting approved, feeling extremely discriminated against and asked to do things that frankly no one I knew had ever had to do ( for instance proving where all my funds come from ) Please Help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Securus J Holdings, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
i opened a prepaid debit card account with XXXX after my release from XXXX  In GA, as XXXX  is associated with J-Pay the administrator of XXXX  trust accounts for the GA dept. of corrections. Initially the debit card was associated XXXX account no. XXXX. At some point the associated account became XXXX account no. XXXX without any notice. There must have been a reason for the account change, my guess is some irregularities took place that the bank did not want me to discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The US Bank had handled my refinance in error, it made me mentally upset, especially when i saw the loan term 30 years ( my final signing documents was 20 years ), i went to see the mortgage officer of US Bank and asked them to correct it for me but they didn't do it, they had checked with the escore too. 
The bank kept going to sent me the 30 years loan terms to ask me to pay for it. i had to borrow the money from my relative to pay for it until i get the new job. The 20 years and 30 years term, there is a big different, i have to pay over 150k for the whole loan. i can not sleep well ( upset ) every night after covid-19.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: MS
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2021-04-02
Company: BBVA FINANCIAL CORPORATION
State: NV
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:
On XX/XX/2021 I purchased a vehicle which was then financed through BBVA USA. I decided on XX/XX/2021 that I wanted to refinance this vehicle with a local credit union. The credit union needed my payoff information, such as account number, a 10-day payoff, address to send payoff, etc. When I called over to BBVA and answered numerous security questions, including : SSN, phone number, loan information, vehicle details, personal details, etc. they told me that the loan was too new and that they could not provide me with the payoff information. I tried to inquire as to how I would make payments without knowing my account number and they said that I would get statements, but that the account number would be truncated. I explained that I wanted to pay this loan off in full and wanted details for payoff. They would not provide this information. The banker assisting me with the refinance also helped. He was asking how I could get this information and they wanted me to send a copy of my social security card to BBVA. The banker at the credit union advised me that this was not safe and that he would not advise doing that. BBVA would not assist me in providing information for paying off my loan, which feels extremely deceptive as a consumer as I feel stuck paying an interest rate that is much higher than what I would be paying if I was able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Apex Asset Management LLC sent me a collection letter dated after my account was fully paid and closed. I had paid directly to the hospital rather than to Apex, but called Apex after to notify them that the debt had been fully paid, and they confirmed over the phone that my account was closed on XX/XX/2023. On XX/XX/2023 I received a letter dated XX/XX/2023, attempting to collect the already paid debt. 

The amount of {$94.00} was paid in full on XX/XX/2023, and Apex was informed of this and said they closed the account the same day. The letter sent to me was dated for XX/XX/2023, and the wording of the letter was alarming. The very first line of communication under the letter head was, " Why are you avoiding these debts? '' written in all capitalized letters. Printed beneath this statement was the following : " Your failure to pay these accounts in full may show that you do not intend to pay them voluntarily. Are there circumstances of which we are not aware? 

We need to discuss your resolutions options. We have several options available to assist you in paying your debt. If there are mitigating circumstances, please list them below : '' Beneath this paragraph was a blank line to fill in, with further blank lines indicating to fill in information regarding my workplace location and phone number, and home phone number. 

The implication that I was unwilling to pay and avoiding this debt was mortifying and concerning, and the attached pay slip at the bottom of the letter was a new addition to communications I had received from them until now. I am positive that my debt has been taken care of with the hospital, but the wording of this letter left me feeling shamed and afraid of what they would further do to collect this debt, which I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX XXXX XXXX XXXX charged off an auto loan which became delinquent due to deceptive practices. In XX/XX/XXXX the creditor, XXXX XXXX XXXX, sent me a 1099-c document of Debt Cancellation/Forgiveness of the account. They have since continued reporting the account as a Charge Off instead of accurately reporting the account as Cancelled/ Forgiven. I have contacted the creditor and the credit bureaus and they each refuse to update the account to reflect accurately as a cancelled/forgiven debt or complete removal.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I paid my account in full. Customer Service notified me that we would need to cancel my scheduled payment for XXXX, so that I could instead submit a payment for the full payoff amount. Customer service took my payment over the phone by visa debit card. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX ( XXXX ) confirming the account was paid in full. I received the title with release of lien dated XX/XX/XXXX. Despite being paid in full, when checking my credit report, the account showed as delinquent for XXXX, and showed an unpaid balance with the credit bureaus. I called XXXX several times, and filed disputes with the credit bureaus. The credit bureaus provided the copy of the title and the letter as part of the dispute, submitted the dispute to XXXX who subsequently rejected the dispute. I called XXXX again, and was then promised by their escalation team that it would be removed from the credit report on XX/XX/XXXX. We are now the XXXX of XXXX and not only has the XXXX delinquency not been removed, but now XXXX is reporting another delinquency for the month of XXXX. I made an additional attempt to resolve this with NECU today by phone. They continue to state theyve already escalated this internally, and yet nothing has been done to this date to resolve it. This is a clear violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: In progress