BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: Law Offices of Robert A. Schuerger Co., LPA
State: AZ
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:
I have been receiving student aid to attend classes full time since the XXXX of 2012. There is an old XXXX loan that showed up on my account and has been included in the total of outstanding loans. A law firm has taken the loan and put it into default status which has put a hold on my student aid for this Fall semester. I am on the XXXX XXXX XXXX at XXXX XXXX University with a XXXX GPA. I have XXXX classes remaining to graduate. If I do n't get my student aid, I can not take my classes which I 'm registered for and ultimately wo n't be able to graduate. There is currently grant money sitting on my student financial aid which can not be released because of this. I 've contacted the original loan servicer which is XXXX XXXX University, they told me to contact the Ohio Attorney General 's office and they directed me to the law firm. The law firm is Law Offices of Robert A. Schuerger Co. , LPA, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. XXXX. They told me there was nothing they could do and that I had to repay the entire loan plus extra fees and interest. The total amount is impossible to pay and I explained that I 've been enrolled in school full time for 5 years. In addition to that, the loan shows up on my list of loans two times with one showing default and the other as deferred. This also increases the total of my outstanding debt. If this is n't resolved so I can graduate, I 'll have wasted 5 years and gone into deep debt with no hope of getting a better paying job which would also enable me to pay off all of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Called company about their reports to credit report company. I pay XXXX$ a month and they stated my interest is XXXX$ a month so I’m short XXXX$ a month on interest so my balance only should be going up XXXX$ a month and they are reporting it’s going up XXXX$ every month

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 2020-05-15
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education / XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

XXXX  is reporting three ( 3 ) delinquent accounts from AES/XXXX XXXX. As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted AES/XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per XXXX, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MI
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:
" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Security Auto Loans, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm writing today because Security Auto Loans is reporting an alleged debit to my credit report with no proof. I have reached out to Security Auto Loans on more that one occasion requesting that they verify this debit. There has been no instance where security auto loans have responded back to me at all. I have asked them if they could send me some type of documentation to validate the debit ( preferably a copy of a signed agreement ) but i have been ignored with every request. The attached documents below are copies of the Latest letter that i have sent to Security Auto Loans requesting for proper validation of the alleged debit. The first letter dating back to over 90 days ago on XX/XX/XXXX and the most recent being XX/XX/XXXX. I have filed a dispute of the debit with XXXX who states that's security Auto Loans are responding back to them stating that the debit has been verified however Security auto loans has not provided XXXX nor I any documentation or information to which they have validated this debit. 

The following numbers are tracking numbers for a couple of the many letters i've sent to Security Auto Loans with regards to this issue. 

Tracking Numbers : Security Auto Loans XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered No Reponse

Company response to consumer: Untimely response
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Equifax is reporting an account with XXXX XXXX which is not correct. I was in the military at the time and contacted XXXX and sent them my orders showing I was being XXXX  and to place my services on hold. At the time they agreed to do so just as the other utility companies had done. I was XXXX   XX/XX/2014 and returned XX/XX/2014 when I returned I was told that the services were never placed on hold as they had agreed. They indicated that I owed money before I would be able to have my services reactivated that it there services were terminated due to no payment. Again I had spoken to them and sent them my orders showing I was being XXXX   and they agreed to place on hold for which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
After reviewing currently documents received from " Experian '' in reference to an account under the name : XXXX XXXX XXXX XXXX. 

According to Experian : the company has some how verified this account. Of which resulted were not satisfied. As a result of this response Experian response. I hereby challenge the company methods of verification under federal law section 609 ( b ).

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 2021-01-22
Company: DISCOVER BANK
State: GA
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:
Discover card is horrible they said that I was randomly picked for verification and I sent in and signed everything they needed through XXXX  and XXXX  sent me an email confirming that everything was done and accepted. Discover still didnt fix my issue with my card so I called and was told that it takes some time but I could upload three months of back statements and it would speed up the verification. This is all crazy because I had already had the card for several months and made payments before due dates because I very particular about my credit score. I think Discover is a scam on these secured cards where you are trying to build your credit. Total scam

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX 1XXXX XXXX XXXX XXXX, Ca XXXXXXXX XXXX XXXXC/O XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXAugust 20, 2019Re: Acct 01 Comenity Bank Victoria Secret		Dear: XXXX XXXX XXXX   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a mobile home together with the lot and closed on XX/XX/2019.  The attorney obtained a payoff demand letter for balance due of $XXXX (see attached) from the lender, Mr. Cooper aka nationstar. The closing agent/attorney wired the funds and was accepted by lender.  The lender has failed to release the lien against the mobile home as of this date even though it is required by state of Florida to file release within 10 days of payoff (see attached state form).  My attorney has requested number of times (see attached emails) for the release but get the run around.  Without the lien release I can't have the mobile home reg. in my name.  Further more the county tax collection won't let me retired the home to the lot.  I can't sale the property either.  I do hope the bureau can assist me in this matter and have the lender release the lien for which they took my funds for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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:
Paid to settle this account XX/XX/XXXX Theyre reporting it to be settled XX/XX/XXXX They also reported a Charge-off in XXXX, one month after the account was settled. 
Too many inconsistent reports on my credit report.

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 2021-01-26
Company: EQUIFAX, INC.
State: FL
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:
My issue is with Equifax. I reached out to them at least 5 times in reference to some unauthorized inquiries on my credit report. I contacted them and the companies that submitted the inquiries. I also submitted and FTC report in reference to the unauthorized inquiries on my report and sent a copy to Equifax three times. Once by mail which they said they never received. Second the the dedicated fraud dept fax number I was given then a second time to the same fax number after I called a fourth time and they said they still didn't receive it. On the fourth call I spoke to a representative that said she saw my report and will delete the inquiries right away. I gave it two weeks only 2 of the 4 inquiries were removed. I called again and talked to a different rep who at first said they did not see my etc report of the page that had the specific inquiries in question. The rep placed me on hold then came back and said he saw it and will take care of the inquiries and delete them. Again I waited with no results. I called today and was talked to a rep that told me the FTC report was invalid even though the previous two reps told me they had everything they needed to delete the inquiries. I asked to speak to a supervisor and after being placed on an extended hold the supervisor came on and said they only received one page of my FTC report so it is invalid. Again this was after 2 of the 4 inquiries were already deleted now all of a sudden instead of my 3 page etc report they only have one page on file with no report number. the supervisor was rude and unhelpful and basically lied about the form that I sent in that obviously had everything on it. I asked if the calls are recorded and documented why she could not see the previous two conversations I had with representatives at her company that said they received the report and would delete the inquiries for me immediately. instead of her listening she talked over me and would not rerspond to my questions. The inquiries to be deleted are from XXXX XXXX on XX/XX/2020 and XXXX XXXX on XX/XX/2020. I will include my letter to them and the FTC report in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account placed on my credit report by Afni, Inc. they have been advised that this is fraud and identity theft. I have provided them affidavits of fraud and forgery as well as police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX MEMORIAL CT XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX MEMORIAL CT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-06
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the XXXX XXXX have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the XXXX XXXX can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXX XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2018-10-01
Company: John C. Heath, Attorney at Law, PLLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I never authorized these companies to do a credit report on me one of them is saying I owe money that I never authorized them to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, Thank you for taking the time to review this letter. I am requesting the removal of the disputed 90-day late mark on my credit report from Fed Loans Servicing Agency. I have previously disputed the aforementioned information on the basis of negligence during my account transfer from XXXX XXXX XXXX XXXX to Fed Loans Servicing. As a result of the unfortunate circumstance, the matter was investigated and my account was placed in forbearance during the period the negative mark was reported. 

Subsequent to the investigation and the acknowledgment of negligence, Fed Loans approved an administrative forbearance on my account for the months of XXXX through XXXX of 2019 and issued a letter on XX/XX/2019 notifying me the credit information would be corrected and submitted to the consumer reporting agencies. The letter also stated it would take approximately 60 days for updates to reflect on my credit report. However, months has passed since XXXX of 2019 and the disputed 90 day late status is still visible on my credit report for XXXX of 2019. I am respectfully requesting the complete removal of this negative mark on my credit report as I do not want this error to jeopardize my credit worthiness to potential creditors. 

Please consider this letter as a formal request to remove the Fed Loans 90 date late negative mark as soon as possible as I do not understand why a 90 day late status remains when my account was in forbearance. Enclosed is a copy of the aforementioned approved forbearance agreement and the credit correction submission.

Company response to consumer: Closed with explanation