BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 out a dispute on XX/XX/2019. The dispute was over accounts on my credit report that is seriously hurting me getting employment and other credit. Instead I was ignored for over two months waiting on them correct this mistake. After all this, I get a result after I wrote about the delay. It seems like a don't care tactic on their part.

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 2020-05-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
Every month with experian my fico goes up and down for no reason 2nd of each month with no reason. This time 15 points was taken last month went up the rest of credit bureaus no problem old stuff still showing accounts credit closed showing like I closed the account I have paid all credit cards off just have two loans car and personal loan so why do they keep dropping my score

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 2017-12-09
Company: EQUIFAX, INC.
State: MA
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:
There is an address, XXXX XXXX XXXX XXXX, XXXX XXXX Rhode Island, that is incorrect. I have never lived here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: NY
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:
To Whom It My Concern, I was looking at my credit report on XX/XX/XXXX. I had noticed o the hard pull Inquiry 's and there is a lot of stuff on here I never authorized, Isn't mine and that I am unfamiliar with. Under the fair credit reporting act I was hoping you guys could look into this and hopefully these Inquiry 's which I feel I didn't make unless provided proven paperwork stating otherwise. I have tried calling some of these companies as I believe this to be Inaccurate and possibly fraud. The customer service on these companies is terrible. Here are the items I am disputing. I Just want all the inaccurate information off my credit report. I will also attach a picture of my credit report with this false Information. XXXX XXXX XXXX XX/XX/XXXX I didn't Authorize. XXXX XXXX XX/XX/XXXX I am being hit twice on the same day I didn't Authorize that. XXXX XXXX XX/XX/XXXX I spoke to them XXXX XXXX they had said they would remove that and never did. XXXX XXXX XX/XX/XXXX I never authorized. XXXX XXXX XX/XX/XXXX XXXX Never authorized. Everything stated above I never gave anyone permission to run my credit. Okay lastly XXXX  XXXX XX/XX/XXXX I believe this was a credit card increase they had said would be a soft pull inquiry and that was the only reason I did it. If anybody has any question for me please feel free to reach out as I would like to resolve this matter as soon as possible. I understand with Covid-19 everyone going through hard times. I just want to have accurate information on my report to all the major credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: SC
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/19, I received a check in the mail for {$1700.00} for a piece of furniture I listed on XXXX I cashed the check and it " cleared '' on XX/XX/19. The " buyer '' wanted {$750.00} to be set aside for the movers. The next day, when the check " cleared '', he asked me to XXXX the {$750.00} to the movers, so I did. 

I found out within 15 minutes that it was a scam and called Bank of America to stop the XXXX transfer because it was still processing. They told me that there was nothing they could do. How could they have no consumer protection? The item was in processing when I called B of A and they had no ability to cancel it? What is my recourse with XXXX to stop this scammer?

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 2019-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX AND XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH. AS WITNESSED BY THE USPS WORKER WHO WROTE OUT THE STATEMENT THAT HE POSTMARKED, THERE WERE NUMEROUS MEDICAL INSURANCE IDs FOUND IN MY XXXX XXXX AT THE USPS IN XXXX XXXX MI AND I HAVE NEVER RODE IN AN AMBULANCE AND THE CHARGE FOR XXXX XXXX IS ORIGINALLY FROM XXXX XXXX XXXX XXXX. THIS IS OBVIOUSLY SOMEONE WHO IS USING MY INSURANCE ID CARD AND GAVE A FICTITIOUS SOCIAL SECURITY NUMBER THAT THEY MAY HAVE OBTAINED VIA THE BREACH. I HAVE NEVER RIDDEN IN AN AMBULANCE AND THESE CHARGES WERE NOT INCURRED BY ME NOR DID I RECEIVE ANY SERVICES FROM XXXX XXXX XXXX XXXX. IF I DID, I HAD GOOD INSURANCE THAT WOULD HAVE COVERED MEDICAL TRANSPORT SO THE PERSON WAS OBVIOUSLY NOT ME AS I HAD HEALTH INSURANCE THAT WOULD TAKE CARE OF THE TRANSPORT CHARGES.

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 2020-05-05
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$7600.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Lending Club Corp
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
CHECK # XXXX ISSUED FROM XXXX  XXXX XXXX  UNDER MY NAME CLEARED ON XX/XX/2019.YET THE PAYMENT HAS YET TO BE POSTED ON MY ACCOUNT IN A TIMELY EXPEDITIOUS MANNER, LENDING CLUB GOT THE MONEY BUT HAS NOT CREDITED MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cancelled my account with XXXX over 2 years ago. XXXX picked up equipment and nothing was owed or due. 
Diversified Consultants, Inc. have been continually reporting me falsely in an malicious attempt to extort money out of me. Moreover. they removed this from my credit previously then started placing this negative action back on my report causing me great financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Franklin Collection Service, Inc.
State: NJ
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 requested that this company verify the debt and they did n't send me any valid documents to support this debt. I also asked them to prove that they 're licensed to collect debt in NJ and they are not legally able to collect debt in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: NY
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:
I purchased a car and used XXXX XXXX XXXX to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid XXXX XXXX XXXX the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with XXXX XXXX XXXX was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted XXXX XXXX XXXX to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to XXXX XXXX XXXX. After 45 days XXXX XXXX XXXX hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services has arbitrarily imposed " personal insurance '' policy on my account when I have already provided insurance policy. They are charging my escrow account {$100.00} per month since XXXX. They refuse to stop stealing my escrow money for this fraudulent insurance policy. My insurance policy provides all coverage required by my loan and has been in place constantly from XXXX. 
I have XXXX loans with Rushmore, all originated with same lender, all have identical insurance provider BUT Rushmore is illegally stealing from this one account with their self imposed " personal insurance '' policy. 
I want these withdrawals stopped and all funds returned to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
ON XX/XX/XXXX, I FINANCED A VEHICLE FROM A NOW CLOSED AUTO DEALERSHIP NAMED XXXX LOCATED IN XXXX, FL. THE VEHICLE, A XXXX XXXX XXXX PRICED AT ROUGHLY {$16000.00}. I SAT WITH AN AGENT, DISCUSSED THE TERMS AND FINALLY CAME UP WITH A PAYMENT AMOUNT THAT INCLUDED GAP INSURANCE AT ROUGHLY {$430.00} PER MONTH FOR 72 MONTHS TOTALING TO {$30.00}, XXXX ROUGHLY WITH AN INTEREST RATE OF OVER 20 %. FROM XX/XX/XXXX-XX/XX/XXXX I MADE ON TIME PAYMENTS TO THIS BANK FOR THE VEHICLE. ON XX/XX/XXXX I WAS REAR ENDED BY ANOTHER VEHICLE CAUSING MY VEHICLE TO BE DECLARED A TOTAL LOSS. WITHIN THE NEXT FEW MONTHS, BY XX/XX/XXXX, THE VEHICLE WAS ASSESSED BY THE INSURANCE COMPANY AND VALUED AT ROUGHLY {$15000.00} AND THE PAYMENT WAS MADE TO THE BANK. FROM, THERE MY GAP INSURANCE WAS DUE TO PICK UP THE REMAINDER AMOUNT OF THE LOAN IF ANY. FROM XX/XX/XXXX - CURRENTLY, SANTANDER CONSUMER IS REPORTING A PAST DUE AMOUNT ON THE VEHICLE WHEN INDEED FOR A FACT THIS VEHICLE WAS PURCHASED WITH GAP INSURANCE TO COVER. THE PAST DUE AMOUNTS HAVE FLUCTUATED PREVIOUSLY ON CREDIT REPORTS FROM {$6700.00} DOWN TO {$5900.00}. THIS COMPANY HAS BEEN REPORTING INACCURACIES AND HAS BEEN VERY HARMFUL TO MY CREDIT STANDING. THIS VEHICLE SHOWS AS A REPOSSESSION TO CREDITORS AND IT IS NOT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
Company: EQUIFAX, 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 status incorrect

Complaint:
US Department of Education is reporting on my Equifax credit file ; as it has been sold to XXXX XXXX. This Is showing up as a duplicate student loan. I have already tried to get this removed several times. Its also falsely reporting a monthly payment. I have checked under studentaid.gov to confirm my student loans and they are not listed. This needs to be removed from my credit file. When trying to locate them in your system ; they are not even listed as a student loan company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: PNC Bank N.A.
State: AL
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:
in XXXX I flagged a XXXX XXXX XXXX charge. XXXX reissued the card but never credited the charge back. Here it is in XXXX they are now saying I owe XXXX on card XXXX for a service I never received nor owe. Unfortunately I did not receive service from the vendor. Scrupulously bank practices attached are transcripts from XXXX and XXXX in trying to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Commonwealth Financial Systems, 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: Account status incorrect

Complaint:
A certified letter was sent to XXXX XXXX XXXX on XX/XX/2019 asking for debt validation. Their letter advised a debt of {$480.00} that they would reduce to {$360.00}, their letter did not have a date in which this alleged debt occurred. Their letter stated " The legal time limit ( statute of limitations ) for suing to collect this debt has expired. '' My certified debt validation letter asked them to advise the SPECIFIC DATE and also stated how can a debt be valid when there is no date associated with it. I can not fight a debt or research this alleged debt without the date of service. This debt is on my credit report. XXXX XXXX XXXX has not responded with a date of this debt. I disputed the debt stating it is illegal for you to make up this debt. My letter to them also stated " Just because you sent me a bill and you specified a dollar amount, does not make it a valid debt. ". " I really feel like this is a joke since how can you provide proof when you can't even state the date this debt is from. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: American Coradius International LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a letter on XX/XX/2020, from American Coradius International, LLC, toll free phone number XXXX. It states we owe the following and should pay the amount to the address below, it also states we can pay {$470.00} as a partial payment. 
Creditor : XXXX, XXXX Account Number : XXXX Reference Number : XXXX Amount : {$630.00} Make Check payable to American Coradius International, LLC., XXXX XXXX XXXX XXXX XXXX, XXXX, NY. XXXX. 

My statement : I take paying my bills very serious and if I owed XXXX money I would have paid the debt, but this debt is sent to a XXXX XXXX, which is not my name nor the name of anyone in my family. We do not owe XXXX any money, nor have we ever owed XXXX money. After reviewing the XXXX and the XXXX community forum, we noticed there are dozens upon dozens of postings that contain similar cases such as ours relating to the American Coradius International, LLC l. ( ACI ) located in New York. Many users and even non-users of XXXX were contacted by this company trying to fraudulently collect money from home addresss that had fictitious names in the Salutation of the letter. 
We are disputing this for the following reasons : we have not used our XXXX accounts for a very long time ; our accounts show no balances ; there have been no transactions for years ; XXXX has never contacted us about this ; and the letter is addressed to someone that is not us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against Atlantic Bay in regards to my mortgage escrow account. I asked for an escrow analysis statement to be issued on XX/XX/XXXX Reference Number : XXXX. I needed this analysis as I received a property tax break for XXXX so there was a surplus of escrow. Atlantic Bay had a copy of my tax bill which amounted to {$610.00}. The projected amount for my taxes was {$2800.00}. So as you can see this was a justifiable reason to ask for an updated escrow analysis.

The ticket was never resolved and I was never provided the escrow analysis. I called Atlantic back on XX/XX/XXXX explained what information I needed and why. I was told to open a second ticket, Reference Number : XXXX. The ticket was closed with no comments or resolutions provided. Atlantic Bay also removed my previous escrow analysis document from my account. Very suspicious. Since having the XX/XX/XXXX ticket closed I have made endless attempts to call Atlantic Bay and inquire why they will not provide the escrow analysis. I filed complaints, been told my tickets are being escalated, however each time I call I am not allowed to speak with anyone from the escrow department and each supervisor I speak to has a different story to tell. 
My last conversations were on XX/XX/XXXX with XXXX ( agent ID XXXX ) she lied and told me she opened an " escalated ticket '' for me and assured me I would receive a call back the same day. I called back on Monday, XX/XX/XXXX I was told no one named XXXX worked there and transferred to another supervisor XXXX ( agent ID XXXX ), She opened another ticket on my behalf and provided me an actual ticket number XXXX. She assured me I have a right to ask for the escrow analysis and she did not understand why they would not provide one. 3 days have passed and no one has bothered to call or respond. I have been asking for this analysis since XXXX and it is now the end of XXXX and Atlantic Bay continues to refuse to provide one.

Based on my research I have every right to request a new analysis to be made, however, Atlantic Bay is refusing to provide one. I feel my legal rights under RESPA have been violated. Atlantic Bay has no right to keep that money in my escrow. I believe they are refusing the issue the analysis because if they do, they are legally required to refund me the surplus amount. They, of course, do not want to do that, so they are just refusing the run the analysis. 

I am aware that allegedly NC switched their timeline for the required annual escrow analysis to XXXX, however, I should not have to wait that long, I prefer to have my analysis ran at the beginning of the year as it more aligns with when property taxes are paid out. I would really appreciate your assistance in enforcing Atlantic Bay to follow the law. Happy to provide more details if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Nelnet, 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:
XX/XX/2015 Nelnet has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.

Company response to consumer: Closed with explanation