BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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 status incorrect

Complaint:
The Federal Loan service provider XXXX has not reported accurate information on my credit profile regarding my student loans, and has impacted my ability to secure housing. I am currently homeless due to XXXX 's negligence in reporting fair, timely, and accurate information according to the FCRA. 

As of XX/XX/2023, my student loan balance has been paid in full in the amount of XXXX, XXXX. XXXX is no longer a servicer of this account and therefore should delete this account from my credit profile. XXXX has failed to report updated account information in which my account appears to be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am unable to pay this loan because Navient/Salliemae is expecting me to pay over {$900.00} a month. They also stated that I used up all my Forbearance. I've been in contact with them since XX/XX/XXXX and although knowing about me and my co-signers financial/medical circumstances they keep saying that they have no programs to help make my payments flexible. 

I spoke to a supervisor on the phone and they told me to just pay what I can on the website. So I was able to pay {$50.00} on XX/XX/XXXX. However, Navient continues to use random numbers to call me expecting payments when they know that I am unable to pay over {$900.00} a month. They also have information showing that I did pay something in XX/XX/XXXX, however, they still threaten to send my account to collections. 

Here are the numbers they keep calling me with : XXXX TX, XXXX XXXX IN, XXXX When they call I know it's them because it's the only number that doesn't leave voice messages. They call me at least twice a day. When I answer and give them the same reason why I am unable to pay they push the calls out for another seven days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: SOUTHSTATE CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages with SouthState Bank and make a recurring electronic payment monthly for my loan amounts. In XXXX, they sent a duplicate escrow check to my insurance company. My insurance company returned the money in XXXX. Because my escrow account was short my escrow payment was increased. Their fault. 
I sent a message to SS Bank Sent At : XXXX  XXXX XXXX Topic : Escrow Analysis Subject : duplicate check to my insurance company Message : My insurance company mailed you a check for the amount of the duplicate escrow overpayment of approximately {$1900.00}. please let me know you've received it and are processing it., sent another one a week later ended up getting a response on XXXX XXXX i called on XX/XX/XXXX or so, and the rep said she saw the problem, and would get the returned check applied and the escrow recalculated for my XX/XX/XXXX payment. I checked my account and the payment i made is pending due to it being short because of the escrow. i have made many calls and today, they said the escrow has been adjusted but it's slightly higher than what it was by {$71.00}. That's fine. I went to pay the {$71.00}, the IVR and website don't accept partial payments, pay by phone charges over {$11.00} and when i spoke to a rep, her boss and her boss they all said it couldn't be waived. This is ridiculous, they want to charge me for their poor service and mistakes. Their solution to go to somewhere that sends money through XXXX XXXX or mail it in. Mail is the least secure method of making a payment and i'm not spending my time to find a XXXX XXXX place due to their mistake. SS Bank doesn't care because they know I can't find a better interest rate now that rates have gone up and i'm stuck with them. They provide horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: OH
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 recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : I have improper names and address that also need removal and phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the middle of XX/XX/2019, I got a letter saying I owe credit card debt by the XXXX XXXX XXXX in California. This was a XXXX account ( from XXXX ) in the amount of over {$5000.00}. The company that holds the debt is Midland Funding LLC from XXXX. XXXX. I responded by email asking for information regarding debt. I received it later in the month and found it not to be me. I contacted by phone and, told them it was not me and, it was mistaken identity ( different middle name ). Later received a summons trying to collect such debt. It was mailed in a plain envelop with no return address, delivery confirmation and, no prepaid envelop for return as per my county 's procedure in mailing summons. The first response was dated XX/XX/2019, and summons was dated XX/XX/2019. It was sent late, as I received it on XX/XX/2019. It should not have taken that long for a summons to be sent. All letters sent to me by the law firm had my name without the middle initial even though they had that information from the fore mention phone call. Moreover, the credit card bill had a different address in a different state and the middle initial, both are not my own. They are suing in the wrong state. I have now filed such complaint because of all these transgressions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I just came back from overseas and I realized I had a Capital One account still open and payment due. When I called originally ( XX/XX/XXXX ), I was trying to get the status of the bill/account. I asked when I needed to pay the bill by and they said the following Friday ( XX/XX/XXXX ). That's when the billing cycle was over. On Monday ( XX/XX/XXXX ), I called to make a full payment and they said it went into collections and they're not sure why/how the other representative said Friday. They told me to call back or they'll call me right back. They haven't gotten back to me and every time I've called, I get put on hold of hours or get the runaround/transferred. Customer service was absolutely horrible and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX was offering XXXX bonus points after spending {$3000.00} on American Expresses website. But when I called to activate my card and confirm the promotion they refuse to honor it. They offered to give me XXXX if I spent {$2000.00} but thats not what was advertised. I spoke with XXXX after I got off the phone with American Express and they told me their website states XXXX for {$2000.00} and that what I was offered was incorrect. Im not sure if its a typo or what but its false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 181 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 166B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-10-20
Company: EQUIFAX, INC.
State: NM
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, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 181 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 166B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2023 money from my checking account was withdrawn without notification from me, and leaving me a XXXX balance. After attempting to make routine purchases I contacted and visited the bank the following day XX/XX/2023. The bank confirm that my money was withdrawn, but did not or could not say by who or why? They assured me the problem would be resolved, and after that visit I received in the mail a letter from Bank Of America stating : " We debited your account a partial amount of {$14000.00} from a transaction that was credited my mistake -- here 's what you need to know. On XX/XX/2023 we were notified that your account was credited by mistake. To fix it, we debited your account -- you'll see the adjustment on your monthly statement. '' But that was three weeks past. On XX/XX/2023 I returned to the bank and spoke with a bank representative -- the original person with whom I spoke with during my initial visit ( XXXX XXXX ), who made several phone calls to no avail. 
She then advised me that she would get me a solution to my problem, and I left. I have called and visited the bank, but the bank have not resolved my problem. I still do not have my money returned!

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 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2016-10-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am enrolled in the Public Service loan program, which enables me to also be on an income based repayment plan having me make payments of 10 % of my income for XXXX payments and then the rest is forgiven. I recently learned that my loan company miscalculated my 10 % payment. They were basing it off of my gross income instead of my adjusted gross income. This has caused me to pay {$650.00} per month when I should have been paying {$350.00} per month. The servicing company, FedLoan Servicing, recently changed my payment amount to the correct amount, but they are saying there is nothing they can do for all of the money that was overpaid over the course of the last two years. They are saying that " I should have known. '' This is wrong. Previous to Fedloan Servicing, my loans were with XXXX. They also may have had the amount miscalculated for payments I made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After purchasing my first house 6 years ago I started receiving debt notices for debt that was not mine. I've never had a problem with credit card debt and have no student loans. After calling the original creditor I discovered that I shared the exact same name as the person who owed the debt, but they understood and removed me from their system. For 4 years I would receive notices randomly from different debt collection agencies. My assumption was that this debt had been sold to several other debt collectors. Whenever I called to explain they had the wrong person and address each one stopped sending notices. 

About 3 years ago my wife got a call from a Sheriff 's officer. The man with my exact same name had died and the system listed my wife 's phone number as contact. Luckily I was at the house when she received this call and the Sheriff was very apologetic for the mistake. After this the debt notices stopped. To my recollection maybe one or two more came in the mail but as soon as I called the number listed, the collector could easily XXXX the man 's name, find his obituary, and remove me from their system. 

Two weeks ago FAMS INC started sending me notices in the mail, but whenever I call to explain the situation they will not listen. They continue to send me notices and offering settlements even though I can point them to this man 's obituary. After sharing that information with them they claim there is nothing they can do. They continually send me notices and treat me as if I'm lying if I call the number listed. They've asked for my social security number and date of birth multiple times. I have never shared that because I fear they are trying to burden me with this now deceased man 's debt whom I have no relation to at all aside from sharing a very common name.

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 2019-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My daughter, passed away on XX/XX/2015. After she passed away I had to take care of her affairs. Thats when I discovered she falsified my signature to obtain a loan for educational purposes. I did not authorize her to use my signature or my likeness to obtain a loan or financial purposes. I have contacted all three credit bureaus, the department of education and XXXX who holds the loan and they refuse to remove it from my credit report. Its hard enough to lose a daughter but to have to deal with this as an ongoing reminder is more than one should bear.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to file a formal complaint against Equifax for violating my FCRA rights and my rights to privacy. Equifax has refused to do a proper investigation on the accounts in the attached dispute letter. They have either not responded to me or sent me letters stating they don't think it's me disputing my own accounts. I am asking for your assistance to help me get these accounts removed or corrected on my reports. Thank you for your timely and aggressive assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For over a year my insurance company faxed proof of insurance to Ocwen our county provided them with proof of address changes on our street I have copies of all of it Ocwen placed forced insurance and will not refund I am XXXX and cant leave my house they wont allow me to make online payments they wont allow me to set up the npaymwnys due for XXXX and XXXX thus making me 3 months delinquent they want all amounts due plus another XXXX for insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I will make this short, brief and accurate as possible. Back in 2017, XXXX XXXX XXXX XXXX sent me two emails pertaining to the sale of the account to XXXX XXXX XXXX and XXXX XXXX XXXX misleading. Both emails were dated XX/XX/2017, and XX/XX/2017. Anyway, this is a document stating that the account has been sold to one of these companies and to refer any future questions to either XXXX. XXXX XXXX continue to report onto my credit report for 6 years after they had sold the account. They do not own the account anymore. Equifax allowed XXXX XXXX to report onto my credit report for 6 years which been a detriment to my credit report and my character. Also, this a violation of the FCRA. See attachment for more details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
The reason for this complaint stems from my desire to purchase a house and the subsequent discovery of damages present on my credit report. According to the guidelines outlined in the 15 USC 1681, it is explicitly stated that my credit report should not reflect any unjustifiable damages, as this could be construed as an act of defamation against my character. 
It is my firm belief that these damages have adversely affected my ability to achieve my financial goals, including securing a home. I am reaching out to the CFPB to address this matter and seek a resolution that aligns with the legal standards set forth in the aforementioned statute. Thank you for your attention to this important concern.

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 2023-06-08
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid XX/XX/XXXX. I received an alert that there was a debt added to my credit score. I did not receive any communication from Rent Recovery Solutions under my name, XXXX XXXX. 

This is a joint account with XXXX XXXX. XXXX XXXX and I disputed the debt and sent four types of proof, certified mail to Rent Recovery. Along with proof, we sent a letter requesting proof debt from Rent Recovery.

Rent Recovery never responded and sent the wrongful {$300.00} debt to the credit agencies without providing proof. We tried calling Rent Recovery two times on XX/XX/XXXX, we were told a supervisor would call us back about the incorrect debt. It is XX/XX/XXXX, nobody has communicated with us since.

Company response to consumer: Closed with explanation