BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I received a notice of my applying for a {$7000.00} loan from a company named Transform Credit which I have NEVER applied for any loan through this company. I finally contacted them but could only text with them which they refused to give me any legitimate contact information for the company ( ie ) a phone number to call, a legitimate physical address, but insisted I give them my personal information via text without my verifying the company as legitimate - which I unequivocally refused to disclose information via text message with an unknown person without actual information that could be verified about this company. I was told that they only take legitimate applications, however, a neighbor actually got a ding on her credit report from none other than Transform Credit for a XXXX loan and she has never applied for a loan either. As far as I am concerned, this is Identity Theft and I want this company to identify itself, its phone number and physical address so that I may proceed to stop the identity theft and identify this company. 

I want to know who the party was that applied in my name and if they do applications online, then they have an IP Address and other information to provide to me. 

Just telling me they cancelled the application is not sufficient, as they processed an application and used my info without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Failed to maintain the property in habitable condition because of a gas leak. I had 3 gas leaks in 30days in XX/XX/XXXX  that they claimed to fix, however the gas line kept leaking. Gas leaks are a huge health hazard! I spoke to the Property manager ( XXXX ) and she told me she would let me out of my lease, however she turned around and tried to say I owed them money. I filed a counterclaim for their failure to allow me the right to live in a safe and habitable premises and the right to live in peace and quiet. They failed to come to court on XX/XX/. So the case was dismissed. I've disputed this several times, however it keeps popping up on my credit report. XXXX is the new collection agency and they are damaging my credit report! I don't owe them money and I want this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX my wife and I made the decision to consolidate our federal student loans in hopes of simplifying our payback arrangements. This resulted in a private loan with XXXX, serviced by AES which originated on XX/XX/XXXX with a balance of a {$42000.00} with a variable rate at the time based upon the XXXX. 

Since origination, almost exactly XXXX ago, the following are loan facts to date ( XX/XX/XXXX ) : Current Interest Rate : 10.57 % ( Standard Variable ) Payments made to date ( according to the banks payment history ) : XXXX Average Monthly Payment {$300.00} Late Payments Since Origination : XXXX Late Fees Paid Since Origination : {$75.00} Principal Paid to Date : {$9700.00} Interest Paid to Date : {$40000.00} Total Paid to Date : {$50000.00} Expected Payoff Date : XXXX/XXXX/XXXX My complaint should be self evident based upon the numbers above. While the ( to date ) loan details state that our term is " 196 months '' we have satisfied XXXX payments to date and have only paid less than {$10000.00} to the principal and the loan details also state the " Expected Payoff Date '' to be XXXX/XXXX/XXXX? Very confusing. 

It should be noted that my wife and I filed for XXXX XXXX Bankruptcy in XXXX, XXXX in XXXX of XXXX. The bankruptcy was a result in part to past medical debt and my wife losing her business due to unforeseen circumstances. Due to the bankruptcy pending on our credit report, we are not able to refinance this student loan. 

As shown above, in the past 14 years we have been late paying this student loan one time. 

I have attached the loan transactions to date document that was downloaded from the AES website. I have also attached the details of the loan as printed from their website in XX/XX/XXXX and as of recent of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NC
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:
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 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: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being sued by Capital One for a debt I did not incur nor had any knowledge of until the day I was served. 
The process server slid the papers under the closed security door to my wife without confirming if she was in fact the person on the papers. This charge did not show up on my credit report and I never received any information written or electronic regarding it until the day I was served. after becoming aware of what had just happened I immediately tried logging into my account to find that my login security information had been changed to something that I had never seen before and realized that I was a victim of identity theft. I had not used this card in several years since it had been paid off in full and remained at a XXXX balance. I contacted Capital One and had to go through a process to prove my identity and that the account did belong to me. I was told during that process that my account had charges from XXXX, I have not been to XXXX. I requested to have statements sent to me and was told to submit a request online which I did several times and have not received the statements. I've called again requesting statements and was told they would mail them to me but I have not received them and it has been several weeks since my last online request. I have since locked my credit with all the major credit bureaus and have continued to call to ask for my statements. I still have no access to my account online and have since received multiple letters from an attorney demanding I pay. 
Under the Consumer Credit Act I should not be liable for these false charges. Capital One has admitted to a data breach in which they exposed personal consumer data including social security and account numbers. Capitol One has not only NOT protected my personal information but they facilitated for my identity to be stolen and for these fraudulent charges to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I discovered that Valley National Bank ( the lender ) for the mortgage for our co-op in XXXX has been incorrectly calculating interest on our mortgage which has resulted in an overcharge of interest of approximately {$1200.00} in one year ( the allocation of our payments between interest and principal was incorrect ) and a total overpayment of {$100.00}. I have spoken to 3 different people at VNB over the past 10 days who have committed to refunding the money and crediting the principal to our account and have yet to receive the documents requested ( an amortization table to demonstrate what our principal should be using the correct interest calculation as outlined in our loan agreement ( 12 periods of 30 days ) and the refund check ). The loan officer ( XXXX XXXX ) has explained that this was a manual mistake relating to setting up the loan ; however, my concern is that there is a broader internal control issue at VNB and more co-ops might be overcharged interest. I also think that XXXX XXXX needs to be reminded to be more sensitive to his customer 's concerns. On a call with him, I found him rude as he kept interrupting me, speaking over me and at one point said I sounded litigious ( which I do not know where that came from as I have no intent of entering into any type of litigation ). I have also just received a text from him telling me that I was rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Zions Debt Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I checked my credit report recently and noticed a debt collector had posted a negative comment in XX/XX/2022. However, they made no attempts to contact me and negatively affected my credit score for 2 of 3 agencies. The fact that they did not contact me is my issue and they should now pay me double what they claim I owe as compensation. Further, two debt collection agencies have previously contacted me for the same supposed debt. I requested supporting documentation such as a signed contract or similar to show I owe the debt. Neither could produce any documentation and ceased their claim. Zion has used malicious, illegal, and libeling tactics and should be prevented from practicing as a collection agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
This complaint is against Experian, ( consumer reporting agency ). I am disputing information contained on my credit report with experian, and in return Experian sent me a letter stating that it appeared as if someone else is disputing on my behalf. the letter that i sent them has my information on the returned letter and experian. Experian is refusing to investigate my disputes which is holding up the disputation process which then exceeds the 30 day investigative period. I choose not to call Experian for the purpose of disputing therefore i sent my disputes through the mail and i am requesting that they proceed with the investigation.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) XXXX XXXX XXXX/ XXXX  {$7300.00} ( 2 ) XXXX XXXX XXXX/ XXXX {$5400.00} ( 3 ) XXXX XXXX XXXX/ XXXX   {$3900.00} ( 4 ) XXXX XXXX XXXX/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX  {$470.00} As a consumer I'm requesting that these accounts 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 explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: NC
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 sent a letter to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 2023-08-25
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Earlier this year i changed lender on home insurance. XXXX gave me a very hard time with that transition AND staff kept telling me I was wrong for change, as new amt was too high. XXXX offered NO help with resources at that time. 

As of XX/XX/2023 I will have a lower home insurance amt with new lender. I have notified XXXX through internal audit email of the change and requested a new adjustment on my acct, for a new mortgage amt for XX/XX/2023. I WILL NOT be calling XXXX customer service and be told what XXXX won't do, as all staff was wrong, the last time. I am seeking a new adjustment to amt monthly, as IT IS VERY DOable and was done earlier this year. 

I have done my part on my own, I now need XXXX to do their part in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase through a XXXX company on XX/XX/XXXX. The prices are listed in CAD dollars on the website with an option to convert to USD. The purchase was charged in the USD not the CAD equivalent ( {$140.00} CAD was charged as {$140.00} USD ). I reached out to the seller and sent screenshots of the website and how much I was charged. The seller stopped responding. 

I waited till XX/XX/XXXX when the payment was charged to my credit card account and disputed it through the online portal. The portal asked if I had any evidence to upload to the dispute to which I responded yes. The dispute was submitted without an option to upload any documents. I received an acknowledgement email and letter from Bank Of America which provided a mailing address or fax number to upload evidence. I was out of the country and returned on XX/XX/XXXX. I called Bank of America and asked if there a way to upload my email chain to the dispute and was told I need to wait 10 days for an agent to review my dispute to " open '' the online portal to upload my documents. 

Why is it necessary to wait an additional 10 days to upload information I had when the dispute was opened? This process seems unnecessarily long and time consuming. First the consumer needs to wait 10 days for the dispute to be viewed, then upload the documents then wait again for the dispute to be reviewed a second time. This dispute only needed to be viewed once if the portal would allow me to upload the documentation the first time. Having a consumer go into a branch or fax documents is an antiquated system. If my dispute is submitted electronically, I expect to be able to submit the supporting documents for my dispute at the same time. While this wait is going on, the payment amount being disputed has not been refunded. This system is built to protect the bank and the seller, not the consumer.

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 monetary relief
Consumer complaint received 2023-04-05
Company: ID Analytics, Inc.
State: CA
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 am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 mailed complaint /dispute letter to all three major credit reporting agencies. I havent received a correspondence or any kind of documentation or any matters pertaining my credit have been complied with me. This is the fourth time this year and theyre not acknowledging my certified mail thru United States postal service or anything. This is obscured. I will be seeking an attorney to handle this matter soon there are violations 5 frca laws n regulations. I suffer from identity theft its documented with all three credit reports.

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 2022-01-25
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of mistaken identity. My father and I have the same name and there are many of his accounts on my credit report. After 45 days, I have pulled my credit reports from two of the credit reporting bureaus Experian, XXXX and these accounts that do not belong to me have not been removed from my credit reports. 
Experian accounts to be removed : XXXX acct:XXXXXXXX Date opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID No Close date ; Reporting 7 derogatory late payments XXXX acctXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID NO CLOSE DATE ; Reporting 5 derogatory late payments XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX NO CLOSE DATE ; ACCOUNT STATUS : CLOSED Reporting 1 derogatory late payment DIVERSIFIED CREDIT SYS acctXXXX ; date opened : XX/XX/XXXX NO CLOSE DATE ; Account status : closed XXXX account to be removed : No account name listed Acct : XXXX date opened:XXXX No Close Date ; Reporting 19 derogatory late payments No account name listed; acct : XXXX Date opened : XX/XX/XXXX ; account status : closed I am also including a copy of my drivers license and proof of address and current credit reports showing the above information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this complaint without influence** I have notified Transunion about providing information to unknown entities. Please review attached documents for reference and for relevant details.

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