BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: Amsher Collection Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AMSHER Collection Services Inc XX/XX/2018. I asked them to validate this account and they sent a letter without valid verification. They sent no signature of mine, bill or statement. I have attached the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Information belongs to someone else

Complaint:
You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My XXXX XXXX account ending in XXXX is showing closed and I reopened the account a couple days after closing it. I closed it in error in XX/XX/XXXX and reopened it in XX/XX/XXXX. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But the balance on my statements and being reported to all the bureaus is the balance from when I closed the account in error - {$900.00}. The balance of the account as of today XX/XX/XXXX is {$620.00}. I have made payments each month and the payments and balance is not being reported. Also the account is still being reported as closed. I received a letter from XXXX XXXX giving my balance on XX/XX/XXXX of {$720.00} ( I have made another payment since then ). But that amount is not being reported or my new payment or that the account is open. I received a call from XXXX XXXX stating that they are reporting the proper information to all 3 credit bureaus and that they corrected any errors. But my reports still show the same information. Account closed and balance of {$900.00}

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 2019-08-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In 2013 I open a card with XXXX XXXX for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''

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 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, 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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-10-13
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had the account that the debt collector is trying to say I owe. this has gone on for years dating back to XX/XX/2016. I have contacted XXXX XXXX XXXX many times over the years to dispute this debt and they keep telling me that it is my debt.They tell me it is an account from SYNCHRONY BANK Original Creditor. I have not had any accounts with this bank ever.

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 2021-08-06
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Contacted XXXX from XX/XX/XXXX to current date pertaining to inaccurate information on Transunion and XXXX reports. Also contacted Transunion and XXXX   regarding issues but they refuse to correct eventhough I have provided documentation. 
XXXX per credit reports closed account in XX/XX/XXXX, account was then amended and made into an installment account in XX/XX/XXXX. A letter was sent by XXXX to me pertaining new agreement but when I contacted XXXX pertaining to letter information I was told that not all the information on letter pertains to me and I should disregard any information not pertaining to me since letter is generic except for payment amount and terms. 
XXXX refused to report new agreement information to credit bureaus and continued to report as late. Payments made on new installment agreement were reported as X, NR or LATE Transunion and XXXX refuse to update information which I provided and showed account was closed and made into an installment account in XX/XX/XXXX with first payment due 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 explanation
Consumer complaint received 2022-02-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX found out my property was getting foreclosed on when the documents was submitted on time and before the 37 day time period Rushmore Loan Management Service keep stating. Rushmore Loan Service Management did not notify the third party or me that if any document was need or missing. Rushmore Loan Service Management claimed they tried to reach me in regarding to this situation which was not true. They was informed to contact the third party on behalf of me. I did not request for a loan modification assistance. Rushmore Loan Management Service keep giving me a run regarding loss mitigation assistance. I reapply for assistance again and I am still keep getting the run around once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
They illegally spoke with my father about the account in XX/XX/2011. He called to get the payoff without my permission, and they gave him details. I was in the process of having the loan discharged for XXXX   XXXX due to XXXX from my father trying to XXXX  me. Instead of taking the check from my grandmother as a payoff ( again it was my information, they had no right to discuss it with him at all ) they applied the payoff in payments and accrued interest. Now they're harassing me and my XXXX yr old grandmother about paying the interest they illegally and unethically accrued. I continue to send in evidence of my XXXX, continue to try to discuss the privacy breach, continue to try to discuss the misappropriation of the payoff, and they continue to call me a liar and harass me.

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 2018-09-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been in a training program since XX/XX/2015, and filed the pertinent paperwork for deferment.

Despite doing this ( with the help of my universities - XXXX and XXXX ), Navient still charged me hundreds of dollars in interest! I have called to complain multiple times, and every time I get a representative who doesn't seem to understand the problem and has trouble communicating in English. I have also submitted documents through their website, and they seem to fall into a black hole ( and don't show up in the " sent '' section of my inbox on their site ). I have also emailed their " advocate '' at XXXX.

Please help me deal with this company, so I can get rid of this debt once and for all ( and I will never borrow money again ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Glass Mountain Capital, LLC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 at about XXXX XXXX I received a text message from XXXX. The message stated it was from Glass Mountain Capital LLC and they were attempting to collect a debt. The message asked that I call them at XXXX. 

I do not have any outstanding debts nor have I done any business with this company. 

In reviewing their XXXX complaint history, it appears this company has a history of attempted fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 around approximately XXXX at the Bank of America branch in XXXX , I was refused a deposit of a check from a company. This check was a legitimate check and this branch failed at allowing me to deposit my funds into my bank account. The check had my dads name with the phrase and/or preceding my name. The teller went and got the manager, the woman manager then refused to deposit the check then preceded to be extremely rude to me for no reason. She was like I need this person here also with a valid Drivers license, my dad lives 450 miles away from me and my name was still on this check. This should be investigated and I want her held accountable.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Many times missed which is actually reported on my credit report looks like inacurate and or confusing.

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 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 my XXXX was stolen. 
On XX/XX/XXXX my Bank of America checking account was charged {$2900.00} to a XXXX user I did not recognize. 
On XX/XX/XXXX my Bank of America savings account was charged XXXX Trasnfer Conf # XXXX XXXX, XXXX for {$1200.00} These are both fraud activities. After the first activity I called Bank of American and they said they put a hold on my account for anymore electronic transfers but then the savings account activity happened.

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 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Many times missed which is actually reported on my credit report looks like inacurate and or confusing.

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 2019-08-31
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told over the phone by a customer service representative that since I was still in school that my deferment/forbearance was delayed an additional 6 months. I then received 3 consecutive months of delinquent account records ( XX/XX/XXXX-XX/XX/XXXX ) on my credit score from 4 different accounts from the student loan lender Dept Of Ed/navient. I have attempted to contact them about the situation and they disregarded my concern in XXXX/XXXX. I then attempted to file a dispute through the credit bureaus in XX/XX/XXXX. 

The student loan company Navient is known to do this for countless of its customers. The customer service reps are not professional and will tell you they did something for you when they did not. I am asking that this get removed from my score since it is effecting my ability to find a place to live while I am still a student. 

I will make payments once I am out of college immediately. I ask that they remove these records as it is their mistake and completely unfair since I received the wrong information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
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:
Lease company saysXX/XX/XXXX payment 30 days past due, which is incorrect. Tried contact company several times but did not resolve. Tried disputing thru XXXX XXXX  but did not resolve. Have proof that payment was made on time. This 30 day negative remark have ruin my excellent payment history causing my score to tumble 37 points As you can see on the statement their was a problem on their system that cause a reversal on XX/XX/17, then payment was accepted that cause this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
On XX/XX/2020 I received an invoice for {$650.00} from Bank of America, XXXX XXXX XXXX, XXXX, DE  XXXX and XXXX XXXX XXXX, XXXX XXXX, TX  XXXX, and on the same date I sent a letter to both addresses in which I told Bank of America that I had never applied for or used any credit card with this bank. No response to this correspondence was ever received. 
On XX/XX/2020 I received an invoice for {$700.00} from Bank of America showing the same information, and the amount had been increased by a {$40.00} " fee ''. 
On XX/XX/2020 I received a letter from Bank of America about its decision to reduce the credit line on this fraudulent account that I did not apply for or ask for. 
On this date, XX/XX/2020, I have sent another letter by certified mail to Bank of America at the above two above addresses demanding that this billing be permanently terminated. 
Bank of America has violated the FDCPA and FCRA and other consumer protection statutes.

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