BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-09
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: Information belongs to someone else

Complaint:
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report ..XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am writing in regards to my auto loan with TD Bank originated on XX/XX/XXXX. This loan has been paid off in full as of XX/XX/XXXX. My concern involves the final payoff payment of {$200.00}. For the 5 years of my auto loan I enrolled in auto payment and was never late on a single payment. I was unaware that the final payment would not be paid through auto payment as all the previous payments had always been prior and there was no communication from TD Bank to communicate this change. When I had not received the title of the car after a few months, I logged into my online account to check the status of the loan and realized that the final payment was still due. I paid this immediately on XX/XX/XXXX, however, at that time the account was already past due over 90 days. I remedied this as soon as it came to my attention. 

Recently, I ran a credit check as I am in the process of refinancing my home. It was then that I realized this final payment issue has negatively impacted my credit score. I had been diligent about paying my auto loan on time for 5 years ( as well as all my other bills ) and my account history was always in good standing. I had reached out to TD Bank to try and resolve this since the loan is now fully paid off and this was only late payment over the course of 5 years in hopes that this will not negatively impact my credit score and financial health for the next 7 years. I am very diligent about ensuring I am responsible financially and am frustrated that I did not receive any communication instructing me that the final pay off amount would need to be paid manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Bull City Financial 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:
Several years ago I spoke with a representative of Bull City Financial. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: FL
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:
XXXX and Equifax have failed to provide me with my credit report when requested. 
After numerous attempts to rectify, success has not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX XXXX is reporting a balance of {$970.00} and charged-off monthly to the credit bureaus but they no longer own this account. I also suspect that the last payment made on this account was XXXX and not XXXX as XXXX XXXX XXXX claims, making it too old to be on my credit report. 
I filed a dispute with Experian. 
I told Experian that XXXX XXXX is reporting derogatory information and a balance on an account that they don't own. They sold the account and I have a letter from XXXX XXXX, XXXX dated XX/XX/XXXX and one from XXXX XXXX XXXX dated XX/XX/XXXX. The letter from XXXX XXXX XXXX says : The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX and XXXX XXXX XXXX can not sue you for it and XXXX XXXX XXXX and XXXX XXXX XXXX can not report it to any credit reporting agency. 

After the dispute, XXXX XXXX updated the account information to say : Charged off : {$970.00} Written off : {$970.00} Past Due as of : XXXX. XXXX Marked as FP ( Failed to Pay ) from XX/XX/XXXX - XX/XX/XXXX. No payment history prior to this, not even positive information. 
Experian didn't even ask for copies of the collection letter but sided with XXXX XXXX instead. 
It is also reported as charged off on XXXX. 
XXXX, however, says the current status is : In Collections/Charged Off. It has been like that since I checked my credit report in XX/XX/XXXX. 
After I got the results of the dispute in XX/XX/XXXX, I received another collection letter from XXXX XXXX , XXXX that clearly states XXXX XXXX is the owner of the account. The letter is dated XX/XX/XXXX. 
Clearly XXXX XXXX is violating FCRA violations and Experian is allowing it.

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 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ALL 4 CREDIT BUREAU S HAVE SECURITY ALERTS, FRAUD ALERTS EXTENDED ALERTS AND CONSUMER FRAUD STATEMNETS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX ( XXXX ) Credit card refused issue a chargeback of $ XXXX from a company that is being shutdown by the FTC for fraudulent activities. XXXX stated during the dispute process that even though there was a refund period, that I was outside the refund request timeframe. Yet other creditors like XXXX XXXX did provide the chargeback for the same amount in XX/XX/2017. I provided email chains citing the Merchant XXXX who was working with XXXX, did not reply in a timely manner to answer my request for a refund and therefore stated I was outside the " all sales final '' period of 3 days. The services for the $ XXXX was for a business start up to travel to one of their resorts which I never did. XXXX is now suing me for over $ XXXX while the FTC has an open lawsuit against XXXX. I'm now having to retain a lawyer to fight the creditor XXXX. I have not been served from the Sheriffs office, but law firms are writing me about the open lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
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: Account information incorrect

Complaint:
This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2018-12-09
Company: Navient Solutions, LLC.
State: KS
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:
In 2009 I graduated with my XXXX XXXX in XXXX XXXX putting me at around {$42000.00} in student loan debt. I contacted my student loan servicer, Navient then Sallie Mae, via telephone regarding loan repayment plan and loan forgiveness as I qualify based on my employment. I asked specifically what I needed to do to initiate the 10 years of payments to qualify for loan forgiveness. The loan servicer stated that all I needed to do was start making payments and show proof of qualifying employment. The servicer reported that at ten years of active payments I just had to apply for loan forgiveness. I was informed the sliding scale payment option would be acceptable ( payments start out low then slowly increase as time goes by ). At no time did they state I needed to apply for the income driven repayment plan and had to switch my loan to a Direct Loan in order for the payments to qualify. All the while, anytime I changed jobs I submitted qualifying loan forgiveness employment proof to my loan servicer specifically showing my intentions to request loan forgiveness. Seven years later I contacted my loan servicer to submit updated proof of qualifying employment as I changed jobs, all the while actively making payments towards my loan in accordance to what my loan servicer had instructed. At that time I checked with Navient on what the process looked like for when I actually needed to apply for loan forgiveness. That was the first time I received information from my loan servicer that I had no qualifying payments, needed to switch to an income driven repayment plan, and switch my current federal loan to a Federal Direct Loan before I could start making qualifying payments. Seven years of responsible consistent payments were not counted towards loan forgiveness based on the misinformation provided to me by my loan servicer even though the amount I was paying monthly was similar to what loan forgiveness qualifying payments would have looked like. I attempted to reconcile this issue with Navient, as the company was aware of my intentions for loan forgiveness based on my initial request as well as ongoing submissions of proof of qualifying employment for loan forgiveness. Navient stated there is nothing can do and refused to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted XXXX, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  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 2021-06-28
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLLECTION SERVICES LOCATED AT : XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$370.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
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:
Equifax dropped my credit score 79 points after having a collection removed from my credit report. I have submitted documents to them to show that I paid the collection agency and that XXXX should marked as paid. I have tried disputing with equifax and try put a comment that I was disputing on my credit report but the account has been paid in full and I feel dropping my credit score 79 points after paying a collection is not fair. I submitted documents to prove the account has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am filing a complaint about my experience in the XXXX, TN Wells Fargo bank today. I am also filing a complaint against the bank for closing my account due to me having an ethnic XXXX name. There is nothing wrong with my identity and I provided the bank with plenty of documentation. When I went to the bank to discuss this I was made to feel unwelcome and was rushed out. No options were given to me. No help was offered. The banker was rude. His name is XXXX XXXX. The bank manager was engaged yet he did not check on me to make sure I was ok or that my issue was resolved. His name is XXXX XXXX. My experience at the branch today told me all I need to know about this organization. Fortunately I have great banking relationships with XXXX XXXX XXXX and XXXX. They will take care of all of my business needs. Also the letter I received from the bank said I had 20 days to respond. It was dated XX/XX/2021. Yet my account is closed prior to that. Regardless it is ridiculous that this happened. I am very careful not to claim racial discrimination unjustly, but I feel very strongly that this is exactly what is happening. I have had issues with being treated this way due to my name in the past, but my experience in the bank today enforced that this organization should be reported. I also spent money on checks and bank deposit slips. I asked to be refunded and was told No by XXXX XXXX. I am willing to recount my entire experience down to him rushing me out of his office.

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 2018-02-13
Company: Northeast Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company is calling me and my family members- most recent message : XXXX XXXX this is XXXX ... contacting you with the offices of NRS. I am calling in regards to a complaint pending against your name and social security number from XXXX County and I do just need to speak with either yourself or your legal counsel prior to any further proceedings. The phone number that I do need an immediate response back to was XXXX and then the extension that is directly in my office is XXXX. Now XXXX this is a very time sensitive matter so it is imperative that I do get a response upon receipt of this message. 

Caller ID was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 when i pulled my credit reports, i noticed a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. reporting an amount : { {$750.00} } owed. I do not recall this company. My account is on alert for fraud, and this may be another one of them. I didn't receive a 30 day notice, and I was not aware of this debt. Security Credit Services never sent a letter to me allowing me to dispute the debt in  question. In addition, this account was placed on my credit reports past the statue of limitations, per information on my credit reports. I have disputed this account with the collections bureau only to have it on my credit report as verified.On XX/XX/2018, I sent a debt validation request to security credit services. I requested security credit services to provide me with information regarding how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc. I did not receive any response. The account was then marked as verified with all three credit bureaus. I then sent a second debt validation request on XX/XX/2018 to security credit services, and have yet to receive any information regarding this account While they are not required under federal law to respond, if they don't respond with proper validation then they are required to cease all collection activity. Again, I have not receive a clarification on this debt. I have recently pulled my credit report to only see this same account listed, and updated. I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. I am requesting the creditor to remove this account from my credit reports ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XX/XX/ -XX/XX/XXXX these are the dates i have contacted and disputed with XXXX  about this public record. to verify this account they have not given me any information on verifying the account. They continue to send me my credit report stating they verified the account. and its correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: AES/PHEAA
State: IL
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:
Last year 2017 XXXX did not contact me about the need recertify my PAYE plan. They literally put in every single bill they send that the payment is an estimate and the the plan " Since you are currently on the Revised Pay As You Earn ( REPAYE ) plan, you are required to recertify your income and family size annually. Your next payment due above is an estimated amount if you do not successfully recertify. '' They do not say WHEN I need to recertify. This year I still don't know if and when I should recertify so I just went to the XXXX and filled out the form myself when I was able to. This is completely ridiculous. Neither student.ed.gov or XXXX bothered to notify my of WHEN to recertify by. When I did recertify last year after the deadline I had to resubmit the SAME EXACT FORM 5 times because they kept denying it. Clearly this is a tactic to squeeze money out of students by causing all the interest to capitalize. Having this company run this is a complete disgrace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
I signed up for a XXXX Red card and set it to paperless statements and meant to set up automatic payment. The automatic payment was not set up so my first payment was missed. There was no notification from XXXX and they charged a {$38.00} late fee. This happened again for two more months with no notification. The first notification I got was from a collections agency over the phone where I stated that there was no notifications. The agent claimed there were many notifications but that is false. I have many XXXX Emails and none are notifications of late payment. I have XXXX credit cards with on time payments for over 15 years and plenty of money in my bank account so there was no reason for me to let it go unpaid except for error which could have been quickly corrected with a simple late notification. In stead XXXX is demanding over {$100.00} in late fees on a single purchase, {$39.00} balance. I feel that XXXX was negligent in notification policy and is improperly profiting through late fee charges at my expense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have provided proof from the creditor. Experian has no attempt by me mailing it to them 2 times nor uploading the documents on here. 
I have also file with the FTC and seeking legal advice to see how to file a law suit on Experian. 
Experian does nothing but play games and collect wrong information and can never back up or prove what 's on the report. Experian can not provide me nothing documented from the creditor. I need proof as I have from them to correct the issue or delete the account. 

I need proof showing a written off amount of {$410.00} as stated by Experian for XXXX 's I have also mailed for the 3 RD time from the creditor as {$0.00} owed

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