BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-05
Company: AES/PHEAA
State: CA
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:
The basis for my dispute is XXXX XXXX '' XXXX balance of {$0.00} was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX/XXXX/XXXX, furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, failed to send the 60-day notice described in the above section entitled 60-Day Notice of Intent to Report to Credit Bureau ; filed for a review of the debt. See 31 U.S.C. 3711 ( e ) ( 1 ) ( D ) for all Federal Student Loans. 

Also, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve & Office of Management and Budget ( OMB ) OMB Circular No. A-129 Revised, Policies for Federal Credit Programs and Non-tax Receivables XXXX XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.

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 2021-11-30
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my Credit Reports that need to investigate. Therefore, Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that needs to be removed completely from my Credit Report : XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2015 in the amount of {$890.00}, I have tried to call and set up payment plans. Before I had a job but now I am not working.

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 2017-11-05
Company: Convergent Resources, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX has been reporting the same XXXX on my account for years now they have at this point duplicated the account for the exact same amount they have refused to response any of my letters as well as a TransUnion dispute and and Equifax dispute they have completely just went rogue and duplicate the same account on my credit reports for all the bureaus.

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 2017-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws. 
It is also reporting twice on mt trans union report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
This account does not belong to me and should be removed from my credit report on XXXX as well as 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 2022-03-09
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX, 2021 I reported my credit card as stolen to the credit card issuer ASPIRE. My card, along with my wallet and identity were stolen and I filed a police report describing what had happened. Since then Im mid XXXX I received an alert from my credit reporting agency XXXX stating that I was past due on payment and when I looked into it I saw that this credit card that only had {$1000.00} limit had been charged and used for almost {$15000.00} in debt. Upon looking into this further the credit card was paid with other peoples accounts. I have since called ASPIRE and told them what happened. I had filed an affidavit with them as well as updated and made a new police report describing fully what happened. They closed the fraudulent account, opened a new account and sent me a new card.. however on my credit report they have updated the account as a charge off which means that I still am liable for this debt and am required to pay a big sum of money for something that was fraudulent and not me. This is ridiculous. Ive done all the necessary parts on my end in reporting this and documenting and sending what I have from the police. Ive filed identity theft months before this happened and I have not even close to this kind of money to pay a debt not mine. I want this account to be removed from my life and taken off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Number : XXXX Amerihome Mortgage I am writing to complain on Amerihome Mortgage. This is my second complaint. I was told to make 3 Trial payments on time in order to receive a loan modification agreement. I have complied and I was told I would receive a loan modification agreement packet in the mail once I had successfully completed the trial payment arrangement. I was to sign, have documents notarized. I have yet to receive this packet and have been told to continue and make now a 5th TRIAL PAYMENT for the month of XX/XX/2020. I am asking for your help due to the fact my condition financially has gotten more critical due to Covid 19. I can not continue to pay high trial payments and I am asking for your help with the Amerihome mortgage people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: General Motors Financial Company, Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX/XXXX/XXXX we signed a lease agreement for a specific monthly payment of {$260.00} for 24 months. We payed the first installed by credit card to the dealership on the same day.The dealership sent in a different " signed " document with a first payment of {$330.00} to General Motors financial leasing. 
We are being billed for the different amount. 
We have sent the agreed to amounts to GM financial along with all supporting documents concerning the contract amount.
We have had several conversations and emails between the dealership and GM Finanacial.
We have been told by the dealership that the issue had been resolved, however GM has no record of it as of this date.
I have attached a chronological list of correspondence with the dealership and GM. 
Please note that we received a past due phone call from GM on XXXX/XXXX/XXXX even though the dealership and GM both stated that the first payment had been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good day! 

We would like to file a complaint to Fay Servicing because until now they can't provide an update on when we can get the approval letter. 

We got an update from Fay Servicing that they are countering the offer to {$260000.00}. So we submitted the acceptance of the counter offer on XX/XX/2021 but until now there is no progress. 

We want to get the approval letter ASAP because the buyer wants to close it this month. 

Please help us escalate this issue to the lender because every time we call their office, there is no progress and no updates from them unless we file a complaint here in CFPB. 

We greatly appreciate your help. Have a great day ahead!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Birchwood Credit Services, Inc.
State: VA
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:
Birchwood Credit Services, the loan originator Mr. XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX MUST NOT be allowed to do hard inquiries on my credit without my official consent, But since they do not care ( no matter how many times I ask not to ), I decided to submit a complaint here and should be a lesson so they stop harassing people. 
So the story is we decided to refinance our mortgage last spring and XXXX XXXX XXXX XXXX , XXXX was suggested, the loan originator Mr. XXXX XXXX pulled our credit on XX/XX/2021 through the Birchwood Credit Services for the first time off course with our consent and approval and started the process but due to some financial complication we stopped the refinancing process at that time. 
Later again on XX/XX/2021 Mr. XXXX XXXX this time WITHOUT our approval and written consent opted for a hard inquiry on my credit. We just called and talked to him not to do this ; and we tried to think it was with good intentions to help us take the advantages of the lower rates. 
But AGAIN on XX/XX/2021 he did another hard inquiry through Birchwood Credit services on my account absolutely WITHOUT my written consent, not even some verbal heads up, and I got the notification of this and the negative impact ... I thought I can not live with this anymore, this is very rude, inconsiderate and bothering..this is not right! 
I just called and complained but since they might not care and I am sure this will happen again and again -not to only me but others- I decided to submit a complaint here to let the companies know what is happening and prevent their employees from harassing the customers. I do not even know how to and with what language I tell them that leave us alone, plans changed and we do not want refinancing anymore! Stop Bothering.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
upon checking my credit report i noticed 3 chase cards on my credit, i requested proof of verification as well as validation including but not limited to a signed contract with my signature. the company has not responded and has not deleted it off my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: NV
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:
My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages 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. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my XXXX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my TRANSUNION file I also noticed 3 hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXXXXXX XXXX  XXXX that is showing for XXXX and 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 2017-11-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my 2th complaint about Wells Fargo. After my first complaint XXXX XXXX/XXXX/XXXX XXXX Wells Fargo has totally stopped working with me.First they said they they were looking into my concerns and should have some answers by XXXX/XXXX/XXXX, then they said by XXXX/XXXX/XXXX. Now they say they should have something by the XXXX. With a sale date not being moved or postponed from the XXXX/XXXX/XXXX??? 

While this is happening I receive a letter dated XXXX from Wells Fargo that said ; they are not moving forward on a review of mortgage assistance. But before I received a letter dated XXXX/XXXX/XXXX that they received the purchase offer from my agent and were moving forward with the review for the short sale, My agent and myself both contacted Wells Fargo and asked what was the problem ( was it with the agent or the new buyer ) and were told Wells Fargo will not say. 

After Wells Fargo received my original complaint I received a call from their XXXX XXXX XXXX XXXX and was told they were not going to work with me. This is not right!

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 2019-09-21
Company: Experian Information Solutions Inc.
State: IL
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 written & called Experian several times to let them know they are still reporting fraud accounts on my credit report. I called & spoke with someone in the fraud department & they stated this would be taken care of months ago & it is still the same. I have sent in the requested information of ID, social security card, police report, & identity theft report. The accounts for XXXX XXXX XXXX, XXXX XXXX   XXXX  ( there's several accounts listed for this company ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX/XXXX are not mine. All those are fradugelent accounts that someone has opened in my name. PLEASE DELETE THOSE 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 non-monetary relief
Consumer complaint received 2019-04-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX My wife was contacted by phone for a agency trying to collect a debt from HSBC credit card they said I opened the account on XX/XX/2013 what is totally false. They have my social security number and my date of birth and because of that they treating to take me to court and make my pay more than {$2000.00} for {$650.00} credit card debt that I never requested. The lady on the phone saying my wife that they will take me to court even though she keep telling her that we I never asked or used that credit card. 
I called to HSBC and they confirmed that I don't owe nothing but this lady in XXXX XXXX XXXX keep treating us to take me to court because according to her I applied for that credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: PA
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've contacted this company twice disputing unverified information on my credit report. The first letter I sent they replied they could not find my file. They did not respond to my second letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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