BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called the bank informing that my job was terminated and I am waiting to receive money from unemployment. The rep said that there was nothing they could do unless it was a few days before my next payment was due. I asked if we could set up an arrangement so that my credit stays in good standing. She said that " you're account is on current and on track, and there is nothing we can do unless payments default and we report it negatively to the bureaus. '' I thought that was wrong because my account had to be in a bad standing before they would assist me or give me options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/19 I requested that Equifax investigate the XXXX account ( account number:XXXX ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/2019. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge of, collections, Repossession and Public Record. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # 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 2023-07-04
Company: EQUIFAX, INC.
State: MO
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:
Noticed Numerous unauthorized accounts and inquiries on report attempted fix with companies to no end. Retired XXXX XXXX trying to purchase home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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: Information belongs to someone else

Complaint:
I have obtained a recent copy of my credit report and discovered it contains inaccurate or otherwise questionably reported injurious information or derogatoriness elsewise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.

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 2019-06-27
Company: COLLECTRON, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, I was contacted by someone who later claimed to be " Mrs. XXXX '' at Collectron. She said that I owed $ 500+ for medical bills with XXXX XXXX XXXX They are a very large local company and cover a range of services. The date was from my XXXX on XX/XX/18. Previously, scammers have contacted me by phone and then emailed falsified insurance documents, from this same XXXX. The amounts, times and companies are not related, and I do not believe these cases to be related aside from perhaps a breach of my medical records at this time. 

I asked Mrs XXXX for mailed proof of the debt. She refused and then became hostile. I did quick research while on the phone and found that she was breaking the law with her refusal. I brought this up. She became more hostile. I told her to have a good day and goodbye. 

While this is most likely a non-existent debt, there's a rare chance that this is an employee who just doesn't know what she's doing. If that's the case. I do not want my credit to be harmed. I'm actively looking to purchase a new home in the next two months. 

In trying to take this up with the company, I found the CEO 's name and email online and emailed him the following : Good Afternoon XXXX, A person calling herself Mrs. XXXX just called me to collect a debt and said that she is from your company, Collectron. I  recognize the name of the company that she says I owe, but do not recall receiving bills from them. Rather than give payment to someone over the phone who could easily be a scammer, I asked her to send proof of the debt owed, which is my legal right. She refused and was extremely rude. This is a formal request for mailed proof of any debt that may be on file in my name at your company. If there is no debt, this is a formal request to receive written notification of a lack of debt. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXXXXXX 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 XXXXXXXX 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 2022-12-01
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I transferred XXXX XXXX ( {$320.00} USD ) and XXXX XXXX ( {$44.00} USD ) from XXXX  to Binance. When I scheduled the transfer from XXXX, the XXXX XXXX automatically populated. At the time of the transfer, I did not know that the network transferring it had any significance, I just knew I had to make sure I had the correct wallet address, and that XXXX could only be successfully transferred to a USDT wallet, etc. I made the transfer, but the coins never arrived. I contacted XXXX support a little while later and informed them I had not received the transfer. I also contacted Binance on XX/XX/XXXX. I did not receive a reply from either of them, so I contacted them again on XX/XX/XXXX. On XX/XX/XXXX, XXXX from the Binance team said that in order to investigate this, he needed the transaction IDs. I copied what I thought were the transaction IDs from the confirmation emails and sent them to Binance. XXXX, from Binance replied and said that they were not valid IDs that it looked like an internal ID that XXXX used. On XX/XX/XXXX XXXX from XXXX got back to me and said before they could help me, I needed to log into the app and contact support that way. I finally received a response from XXXX and was able to get the correct transaction IDs, which I then sent to Binance. I communicated back and forth with XXXX asking them if they could recover the funds for me since they were in their network, XXXX and they said they could not, that they had already left the platform and were in Binance 's possession. They said I should ask Binance to reach the coins with the hashtags and recover them or send them back. The last support person I communicated with on XX/XX/XXXX at XXXX was XXXX and he explained that at XXXX if funds are deposited on the wrong network, their team can sometimes recover them for their client or send them back to the originator and that I should ask Binance to do this for me. I communicated back and forth with Binance asking them to retrieve my deposit or send it back to XXXX their response was that they do not support the network and therefore they could not retrieve my funds and that they keep track of these issues so if they support the network in the future, they would contact me. The last correspondence I had with Binance was with XXXX on XX/XX/XXXX. The support ticket number for this communication with Binance is XXXX. 

Exchanges should not be allowed to keep customer funds, profiting off of XXXX XXXX XXXX. Like XXXX said, they are in Binance 's XXXX, so only Binance has access to them. There should be controls in the system to either not allow transfers to be made between exchanges if the exchange receiving the funds doesn't support the network, or if the transfer is made to an unsupported network it gets rejected and sent back. Exchanges should not be allowed to not support a network and keep customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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 2023-10-19
Company: MOHELA
State: CO
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:
Mohela currently incorrectly states on its website that those seeking public service loan forgiveness be employed at a qualifying employer on the date their loans are forgiven even though there is no such requirement currently. 

Currently, those seeking public service loan forgiveness need only be employed at a qualifying employer when they make their qualifying payments and when they apply for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX of my accounts with the student loan servicer, XXXX, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: GA
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:
Please remove the accounts on my credit report because those are 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 explanation
Consumer complaint received 2019-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I recently sustained an unforeseen injury that has affected my vision and I'm currently on XXXX, receiving only portion of my regular salary. According to my physicians, it can be months before my vision is back to baseline. With my return to work being months away, me taking a hit in my take-home wages and having now additional obligations in the form of medical bills, I reached out to USAA about my credit card balances, which are all current and in good standing at the moment, to see if they could assist me in anyway with my monthly payments and interest rates during this financial hardship. I attempted to convey this request twice to their customer care team. The first time they redirected me to a third party company which all they did was try and sign me up to a credit counseling service, which was fee-based. The second attempt, I was told blatantly that they couldn't do anything for me. Having been a USAA member since 2004, when I enlisted in the United States XXXX and have utilized numerous USAA products with good results and service, so I am VERY applaud and disappointed that USAA refuses assistance to a member of 15+ years during this unfortunate time and eventually will be forcing it's member to default on payments due to lack of funds at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Over the course of XX/XX/XXXX through XXXX of XXXX, I began to make significant payments on my 12 student loans through Fedloan. I paid off all twelve using the " request final payoff '' option over this time period. I received PAID IN FULL notifications for each of them. I made my last pay off payment in XXXX of XXXX. My account reflected a balance of {$0.00} for all 12 of my loans, and again, I had received PAID IN FULL pdf documents for each of them. I monitored this for about a month afterwards through XXXX of XXXX. 

Earlier this month, XX/XX/XXXX, I logged into my Fedloan account to get my tax information for the previous year. I was shocked to see a sudden total balance of {$250.00} XXXX principal and interest ) for 8 of the 12 original loans. 

I called Fedloan the next morning and after much arguing, the representative realized she could see the PAID IN FULL statements sent out on behalf of Fedloan in my account/document history, and she deferred it to lead review number 463. I called back the next week to see if there were any updates and the review team had closed it without explanation. I had the representative put it into review a second time, number 467, this time with proof of my paid in full notifications and a copy of one of the paid in full PDFs. It seems FedLoad is now stalling on acknowledging that an error has been made on their behalf. After calling again today, XX/XX/XXXX, it seems they are just further stalling on coming to a conclusion on how this happened and clearing my balance. Again, I have proof that all of these loans are indeed PAID IN FULL and should not have any balance at all. FedLoan also acknowledges they have copies of these documents on their end but they are stalling to fix the problem and clear the balance. 

Attached is a copy of one of the 8 loans ' PAID IN FULL statement, along with a screenshot of the email notifications for my other loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27
Company: OneMain Finance Corporation
State: GA
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:
The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: SC
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 disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

Company response to consumer: Closed with explanation