BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-17
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As a young college student it was necessary to receive student loans in order to receive a college education. Once out of college, trying to understand my credit and loan situation I was sent to XXXX XXXX. I naively asked them to assist in setting up a payment plan to ensure I was covering interest and paying my loans off. The woman on the phone advised that I should use the " income based '' payment plans, which I did. As a professional helping a young individual sort through the very intimidating process, I had no choice but to trust what she was saying was in fact the truth. I have now applied for a mortgage and come to find out, my mortgage broker was able to find that I have only been paying interest and XXXX towards my actual balance. Long story short, I have simply been paying the company to maintain my loans. Their practice is incredibly misleading. It took me repeatedly asking for an actual breakdown which the representative certainly did not want to give me. Our young are being taken advantage of by large companies and XXXX is the epitome of this. They need to be honest and transparent instead of money hungry and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX XXXX XXXX  '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2023-12-15
Company: Affirm Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company is messing up my credit for {$8.00} when I paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX of XXXX I applied for and was accepted in to an auto loan deferment on my loan with Wells Fargo due to loss of income due to Covid. I was furloughed and was having difficulty making payments. XX/XX/XXXX of XXXX I received an email from Wells Fargo saying that my deferment period would be coming to an end soon but that I would receive further information on when my payments would be due again and what they would be. In XXXX of XXXX my vehicle was reposessed by Wells Fargo. I received no further information on when the payments would be due again or how much they would be. Per Wells Fargo, this was because they had been told not to contact my husband any longer by him. Regardless, I had received many emails up to that date about other products Wells Fargo was offering so I had been contacted by them, just not about my payment. I am complaining because I do not believe my vehicle should have been reposessed without being contacted prior and the related fees created a further financial hardship.

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 2023-12-05
Company: EQUIFAX, INC.
State: LA
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:
15 USC 1681c-2 IMMEDIATE BLOCK AND DELETE OF FRAUDULENT and false personal information being reported. EQUIFAX is continuing to report a fraudulent phone number in my Fraud-Alert notice despite multiple requests sent to them to fix this issue. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$100.00} ACCOUNT # - # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$750.00} ACCOUNT # - # # # # # # 1929, both of these creditors has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-12-18
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my XXXX. The Items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items ve deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision Identity Theft Adavit. Please delete the items as soon as possible.

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 2023-12-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is to remove formally known name XXXX and correct current job status to XXXX XXXX As I am unable to dispute on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, 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:
Company Name- XXXX XXXX XXXX XXXX XXXX City and State of Loan- XXXX XXXX New Mexico Year of Loan- XXXX  Amount of Loan- XXXX Reason For Complaint- Payday loan company XXXX XXXX XXXX is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to XXXXXXXX XXXX XXXX and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. I attest that I am XXXX XXXX writing this alone from research I have done online. 

2. This complaint is based on METRO2, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how XXXX, XXXX, and XXXX are reporting harmful information supplied by XXXX XXXX. 

3. XXXX XXXX is a debt collector by file standards. Laws prohibit DC 's to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual.

4. Metro2 file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or IUnpaid Collection pay status. 
Account Type Codes 48 Collection Agency/Attorney 77 Returned Check 0C Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. Thus I have been denied credit several times and the creditor attributes this Debt Collection Account from Midland as being recently past due, however past due is reserved for credit grantors. 

6. In XXXX  Credit Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. Also other irregularities are " Terms 1 month '' and A payment account history from XXXX XXXX with high balances reported, scheduled payments reported, with fictitious balances. A copy of these irregularities is attched, XXXX Report number XXXX, pulled XX/XX/XXXX. 

7. In XXXX Credit Report, XXXX XXXX reports as an " Other '' account instead of the designated Collection Account, and can not according to Metro2 - as this data is not expected to be sent by a debt collector on this industry standard file. Which leads to other irregularities on file from misreporting such as a debt to credit ratio of 100 %, Midland is not a creditor. Also reports as a Loan, and as Retial Creditor classification, and reports an amount Past due. All of this reporting is not to industry standards and has negatively affected my credit and ability to seek credit. This is from XXXX Report # XXXX Date XX/XX/XXXX 8. In XXXX  Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. This debt collector continually reports to XXXX " Opening '' the account and closing the account for past several months since I started disputing this information. 

The following : INFORMATION ONLY FROM METRO2 -- -. The following fields are not applicable and may be blank- or zero-filled : Credit Limit Terms Frequency Scheduled Monthly Payment Amount Payment Rating Original Charge-off Amount To be brief this is only the beginning of my complaints against this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Bank of America has made a illegal transfer of loan, the modified loan that was made in XXXX  clearly stated that the loan can not be changed or sold to anyone, as of XXXX they sold the Note to XXXX, also received XXXX from the mortgage assistance program, and XXXX from the state program for mortgage assistance, bank of America never applied the money to the loan, believe this to be theft by a mortgage company now the new company XXXX, wants to foreclose, the mortgage is 8 years since the last payment was made, XXXX as a collection company, can not file suit since the statue of limitations is 4 years in 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 2023-12-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have consulted with an attorney who assures me that the FCRA requires CRAs to provide free reports, including online, but does NOT allow them to condition access to an online report on disclosure of a phone number and email. However, for years, XXXX and now Equifax as well, have done exactly that, and have ignored complaints about it being illegal claiming that they can do it because I can call or write to get a report. But again, the law EXPRESSLY requires online access and does NOT limit that access to my giving personal information I do not wish to provide to companies whose entire business depends on selling my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: SUNTRUST BANKS, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received notification from SunTrust bank that six accounts were opened. I called along With my representative from XXXX that the accounts were fraudulent, not opened byme. Supposedly it was all taken care of but today I received temporary checks on four of the accounts that I did not open and I called SunTrustbank and they said it was on a freeze but still being investigated. This has been going on over two weeks and there should not be any reason why this is not resolved and that I am notified. They were absolutely no help today in resolving and putting a stop to this identity theft. This is not the first time this has happened to me because of my documents being stolen and I need confirmation of it being taken care of. I have to be diligent on these occurrences and need the bank to cooperate. Regards, XXXX XXXX The case # SunTrust gave me is # 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 2021-09-06
Company: ERC
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: Their investigation did not fix an error on your report

Complaint:
I have sent more than 5 letters to ERC and all 3 credit companies asking to remove a debit that is not mine. ERC has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says ERC has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello, I sent out some disputed letters on XXXX. It's been well over 60 days.

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 2023-11-29
Company: EQUIFAX, 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:
I SENT CERTIFIED MAIL TO ALL XXXX CREDIT BUREAUS ABOUT MY INCORRECT INFORMATION THEY HAVE ON FILEXXXX IS THE ONLY ONE THAT CHANGED MY INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, yesterday, I noted a email from a collection agency saying I owed money to XXXX! I believe the amount was {$370.00}. 
I told them I have never I used XXXX I use XXXX for many yrs and XXXX XXXX! 
Never XXXX This morning I noted my credit score dropped XXXX points. 
I spoke to XXXX agent who has also started a claim regarding this! 
Please review soon and let me know the results! 
I am XXXX yrs old and I own my own business and have never used XXXX! 
I try very hard to keep a good credit report. 
Thank you for your help in getting this resolved! 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: Brennan & Clark, Ltd., LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company keeps calling me all over and over again. Ive told them to stop calling even sent them a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 2023-12-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-12-18
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They put my account in free in XXXX. Then XXXX they informed me they would be closing. XXXX  account. They said that they would issue me a refund for anything left over and the credit card account however they would not refund me for anything in my checking account which was around {$3800.00}. The reasoning is because that could not verify where the money came from. I sent them all the documentation that they asked for. I can absolutely verify where it came from. This is theft and I want my money back

Company response to consumer: Closed with explanation