BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Brightfunders, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- On approximately XX/XX/XXXX our mortgage company ( Homeside Financial ) completed an escrow analysis on our account and sent an incorrect escrow refund check in the amount of {$4100.00}. The day after we received this check we were notified that the amount was incorrect and the check had been canceled. 
- I called Homeside Financial on approximately XX/XX/XXXX to determine what our correct refund was and to determine when a check would be sent. I was told that our escrow account had been overfunded by {$3100.00} and a check would be mailed to us in 30-60 days. We agree with this amount. 
- Our mortgage company has been aware of the overfunding since XX/XX/XXXX. 
- Multiple calls have been made over the past 9 months requesting a refund of the overfunded amount. We have been told 3 times that a check is being sent and it will take 30-60 days to arrive. No check has ever been received. 
- We have paid {$6900.00} into our escrow account since XX/XX/XXXX. Our current escrow balance is {$3800.00} because Homeside Financial is showing that they made a payment to us in the amount of {$3100.00} which we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: AES/PHEAA
State: TX
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:
I submitted my application for public service loan forgiveness on XX/XX/2021 through Fedloans. I received acknowledgement of my application on XX/XX/2021. I received a notice with an updated payment count on XX/XX/2021 confirming that Fedloans had updated my payment count on loan sequences XXXX and XXXX to 120 payments. I reached out to customer service and they said there was nothing to do but to wait and that once the loans passed internal review, they would be passed on to the Department of Education in batches, likely in 2 weeks time. Several weeks pass, I contact customer service again to see if there are any updates. They state that the process is " non-linear '' and that they can not comment what the steps are or which steps have been completed. It is unclear to me ( and hundreds of other borrowers ) currently in this limbo why there can not be more transparency about this process. It is also frustrating to call different customer service representatives and be given a different answer each time. The goal of this program was to encourage people to work for non-profits and governmental agencies for a period of 10 years but in effect, it is actually tying them in place for 10.5 years. I have turned down job offers during this period of time of limbo, decisions which materially impact my family. I respectfully ask for your assistance in increasing the transparency of this process for myself and others like me who feel trapped and helpless in this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Genesis FS Card Services XXXX XXXX Credit Card has Dishonored a payment, placed a temporary block on my card and is taking adverse action, including denying me my my money. I've already filed an FCC complaint about harassment - and now they " paused '' my card for 14 days. I've attempted to cancel and I was simply put on a never ending hold. 

Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information on my credit report with transunion to help correct my file.

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 2022-12-21
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX i have no knowledge of this collection i have never had XXXX XXXX 
Addresses : i never stayed at XXXX XXXX XXXX XXXX XXXX NC XXXX or XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Inquiries : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( FINANCE ) 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 As it states 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.C1681section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2021 bank of America cashpay government card claims they put the XXXX on my account but i never received the money and on XX/XX/2021 the claim that they put XXXX on my new account but i never got it bc the sent both payments to my old card witch was stolen from me and i had the card closed and got a new card but they didn't send it to the new card they sent it to the old card and need both my payments

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 2019-02-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have asked the XXXX, Experian and XXXX to reinvestigate this account being reported to them and ensure that accurate and fair reporting will be done, but my request was not granted, hence I am asking for your agency 's help. 

There are inaccuracies the way this account was reported to the bureaus. Let me tell you why : XXXX : The limit, past due amount, and balance were not reported, Also, the payment history shows multiple CO marks which are erroneous. 

Experian : Monthly payment and limit are missing from the report, and payment history shows multiple CO marks which are inaccurate. 

XXXX : Terms, high balance, limit, past due amount and payment history are missing. 

Clearly, this account was not properly investigated and reported. If the report came from XXXX XXXX, then why it is that each of them reports this account differently? Are they not suppose to have the same information as they all gathered it from 1 creditor?

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 2023-07-06
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: Personal information incorrect

Complaint:
On XX/XX/2023, I mailed the attached letter to XXXX to have incorrect addresses removed from my credit profile. I included a utility bill and copy of my driver 's license. To this date I have not received any correspondence from the company regarding this letter. I have attached the letter that was mailed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: CONRAD CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I had a car accident, the police called a towing company to pick up the vehicle while I was hospitalized. After a couple of days I filed a claim with my insurance provider. Then I received a letter in the mail by the police as too the where about of my car, and that the police station placed a hold on my car. I went to the towing company to see the car and took some pictures, and tried to release it to the insurance company but they said they could not until the hold was payed off first from the police. I paid of the hold and gave the document to the towing company, which they said they would releases the car to the assessors when they showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts are listed as charge-offs. IRS requires XXXX XXXX XXXX XXXX to send me a 1099C because these charge-offs are considered earned income, and I will have to file a 1099C on my tax return. Therefore, the accounts status has been changed to earned income. My consumer report should not contain information regarding my income. Also, late payments are considered as transaction, according to the consumer law, transactions are not supposed to be reported on my consumer report. Since these accounts have been reported as charged-offs, XXXX XXXX XXXX XXXX never sent me a 1099C and it has been years. These accounts have been reported incorrectly and inaccurately. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-10-18
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$360000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention, that XXXX XXXX XXXX XXXX  has transfer an account to XXXX XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 
Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Inquiries have been placed upon my consumer credit file with Transunion that do not rise to the level of permissible purpose. Accessing a file does not construed " permissible ''. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), Transunion is required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, any aspect of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified line items that Transunion is reporting must be verified or removed. See the attached letter to Transunion requesting these inquiries be removed.

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 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: TX
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:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$950.00} XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$950.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-07-27
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:
XXXX XXXX XXXX XX/XX/XXXX XXXX I have been disputing this inquiry on my credit report that I have nothing to do with and it do belong to me at all please help me understand why they keep telling me that is flexible when it's fraudulent I have no contract with this company at all and it does not belong to me Inquiry XXXX. Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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 non-monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Having issue with UNAUTHORIZED TRANSACTIONS The ReliaCard is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. 2021 U.S. Bank. Member FDIC. 

XXXX XXXX XXXX XXXX family ( Beneficiary ) WITHOUT PREJUDICE UCC 1-308, I.e, all Natural inalienable Rights Reserved Please address all future correspondence in the matter to a direct Human Self, namely XXXX of XXXX XXXX XXXX XXXX as commonly called. 
I recently noticed noticed that this account has so many unauthorized deductions/ transfer 's fraudulentlv using my funds to pay past bills. I'm Demanding that account be back in the positive or I will have to seek litigation for civil remedies. 
ELECTRONIC FUND TRANSFER ACT The Electronic Fund Transfer Act ( EFTA ) ( XXXX XXXX XXXX et seq. ) of XXXX is intended to protect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC 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