BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: Eagle Accounts Group, Inc.
State: MD
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:
I disputed a account from my credit report due to inaccurate information. On XX/XX/XXXX the account in question was removed from my credit report. On XX/XX/XXXX the item reappeared on my credit report with a different amount owed. If on XX/XX/XXXX it was completely removed, how can you come back and place it back on my report. The initial request from this company via MVA was to submit paperwork requesting information due to my vehicle not being able to be moved is why the relapse happened in the first place. In which I submitted the proper paperwork in XXXX. My State income taxes were still intercepted in lieu of this issue.

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 2017-10-08
Company: EQUIFAX, INC.
State: LA
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:
There is an address in my credit score that Ive never lived at. Ive never lived in California and i dont know how my address has changed from XX/XX/XXXX-XX/XX/XXXX, because I still live down south at my most recent location!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I purchased a used truck at XXXX. At the time of purchase, I was told the payment will not be due until 45 days from the date of purchase. I did not know the first payment was due 30 days from the date of purchase until my credit score dropped. XXXX told me a lie about my first payment being due and now I have a late payment on my credit report which has affected my score. I spoke to J.P. Morgan Chase bank about the late payment and they told me there is nothing they can do. I contacted the credit bureaus and was told I have to contact the lender ( J.P. Morgan Chase Bank ). I  informed credit bureaus that I already spoke with the lender. So now I'm stuck with the first late payment on my credit report which I genuinely care about. I just want the late payment off my credit reports as I been requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions 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:
Its been well over 6 month and I have been battling XXXX to review my letters and and remove the remaining collection accounts. The accounts in question have been updated to 3 collections. They changed the accounts to show that they are recent collections of a month ago when I solicited your help in the matter. All they did was close them, and updated the acoounts to a recent collection/late status when they are not even my accounts. 

The accounts are not mine, and my score has now decreased because of their change of status to closed collection. 

The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX ( recently added ) XXXX XXXX act # XXXX These accounts are not mine. Experian has spitefully added them as a collection late-closed status due to my request that you investigate this on my behalf. Like I said, my credit score has gone down to my request to you to investigage. Please help. Experian is clearly retaliating against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EXPERIAN Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature I ask that these inquiries be removed and an updated report be sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXs XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX XXXX Made on XXXX XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on XXXX XX/XX/XXXX Made with : Transunion

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 2021-10-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services, although I talked to them that I do not owe anything to XXXX insurance and XXXX knows it, they keep sending me letters and advice me to proof that I do not owe them anything. I do not know what else to to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
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: Account status incorrect

Complaint:
I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is :XXXX XXXX XXXX XXXX XXXX FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX XXXX XXXX XXXX XXXX and began employment XXXX XXXX and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in XXXX I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.

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 2021-10-26
Company: EQUIFAX, INC.
State: GA
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 information on my credit report is not correct. I don't know these account I didn't apply for any of them. I don't understand where is come from and why I see them. I think someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Resurgent Capital Services L.P.
State: GA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} LVNV Funding LLC XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY LISTED BELOW IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX reporting information that is against the law. Its my right as an consumer to demand Transunion to remove frivolous information immediately. Its a violation according to Congress.

1608 USC 1028A

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 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a re-escalation of CFPB complaint XXXX. The original complaint pertained to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, but this re-escalation most specifically calls attention to the un-enrollment of my IRRA account from XXXX, and the negligent oversight by Bank of America XXXX XXXX to advise me the account needed to be re-enrolled, which resulted in missed opportunity for trading over a period of time. As mentioned in the original complaint, I authorized a {$41000.00} disbursement from my XXXX in XX/XX/XXXX to  serve as a form of down payment for a home my wife and I purchased. The company response indicates I was advised a 1099 form would be generated and sent whether the distribution was returned in 60 days or not. If the company verified I was told about the generation of a form 1099 via recorded calls, I wo n't dispute their findings. However, the related element XXXX will dispute is the receipt of form 5498, which I was told I would receive in XX/XX/XXXX for XX/XX/XXXX tax filing. The company response indicates they are unsure why I would assume the receipt of the form 5498 when  there is nothing in the conversations that would indicate the withdrawal was related to a XX/XX/XXXXfiling. This rationale sounds ridiculous ; the distribution was made in XX/XX/XXXX, thus I was under the impression I would receive the form 5498 the following XX/XX/XXXX. The initial representative who advised me of this information made no verbal distinction that I would actually receive form 5498 in XX/XX/XXXX. The company should re-review recorded calls to research this part of my claim, and take ownership for the error. Regarding the un-enrollment of my XXXX from XXXX - my contention is that during the phone call to reinvest the {$41000.00} distribution back into my IRRA, I was NOT advised by the assisting representative about the need to " re-profile '' or re-enroll into the MESP. The call simply concluded, and there was no additional contact to inform me of the same. This was a huge oversight on the part of the company by not proactively consulting me on critical next steps to ensure my account could resume trading, which undoubtedly cost me in the form of missed trading gains during the time period the account was unenrolled. The company response did not address this specific point about this oversight made by the representative ( s ) who handled the phone call when the reinvestment occurred, and I suspect intentionally opted to overlook this important element of my complaint.

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 2017-10-31
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently heard Pennsylvania filed a lawsuit against Navient for unfair practices. Upon investigation of my own loans I have discovered that my original loan balance for my federal and private loans was {$59000.00}. My privates loans were for {$37000.00}. I have made {$29000.00} in payments of which {$19000.00} has gone to interest with {$9900.00} going to the principal. My current balance is {$29000.00}. My first federal loan was for {$9800.00} I have made {$5400.00} in payments with {$4400.00} going to interest and only {$960.00} going towards my principal. After being forced into forbearance my current balance is {$11000.00}. My second federal loan has a starting balance of {$12000.00}. I have made {$6900.00} in payments of which {$5600.00} has gone to interest and only {$1200.00} has gone to my principal. After being forced into forbearance my current balance is {$14000.00}. Navient states my current balance owed is {$54000.00} which doesnt even take in to account the {$42000.00} in payments I have made. {$29000.00} has gone to interest with only {$12000.00} going towards my principal. I have called Navient at least once a week trying to get explanations about how my payments are applied and I get no real answers in return. My private loans are in an interest rate reduction program. I was recently told that my payment of {$250.00} was divided between the interest of {$230.00} and {$20.00} going to my principal. I have been trying to get on an income based payment but I can not afford the payment because they add me and my husbands income together and come up with an outrageous amount for me to pay. I am now trying to apply for an income sensitive repayment program which Im being told will take my husbands income into account also so I wont be able to afford the payment again. I want to know what happened to all the money I have paid and why my balance only reflects a {$5000.00} difference when according to them I have paid {$12000.00} on my principal. I have asked for documents and copies of my promissory note and was told they would be in the mail but I have never received any documentation. I also asked for proof that my father co-signed my loans and have never received that document either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i did not apply for credit during these times/dates stated below these are unauthorized inquiry i called the XXXX major credit bureaus and they told me to file a complaint with the cfpb and reach back out to them in a couple weeks XXXXXXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 TransUnion

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 2017-10-05
Company: Gurstel Law Firm, P.C.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received information from Gurstel yesterday XXXX/XXXX/XXXX trying to garnish my wages for a private student loan for XXXX XXXX XXXX. Per attorneys that I 've contacted there is a class action lawsuit against XXXX XXXX XXXX for their collection tactics and they 've been advised to stop all collection efforts on their private student loans until further notice. Gurstel has continued to harass me and try to collect. They are currently sending letters to my employer to garnish my wages. I am currently the head of household and this will cause a severe hardship for me. This loan is over XXXX XXXX XXXX. Please advise what recourse I may have with this company. They have added on {XXXX of interest on a XXXX  original loan. They will not accept any payment arrangements that I 've attempted to make with XXXX at Gurstel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 disputed the inquiries online with XXXX and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted TransUnion via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and TransUnion, it has already been removed from XXXX. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.

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 2022-03-12
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2017-10-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX Veteran. I was contacted by USAA and told that I was pre approved for a mortgage, and they assisted me with figuring out monthly payments, and a GFE. 
The told me about the program that the government has regarding discounted home taxes. They asked me my XXXX amount, ( 60 % ) and told me that my house taxes would be reduces by that amount. When the qualified me for the loan, and I found a home they used that number for the taxes, and it greatly reduced my monthly payment. 
At no time, did they ever explain any other parameters for that program., or state that the taxes had any chance of not being reduced by 60 %. The link they even sent me for the government program, does not say the taxes are subject to any other local parameters. 

After I closed in XXXX, I then found out that the tax exemptions have to be filed for by a certain time to be counted for the following year. Because I closed in XXXX, it was already past that point. 
I filed, and the earliest they tax exemption I would get was now 1 1/2 years away. 
I made arrangements to pay the mortgage payment that was now {$2400.00}, not the {$1400.00} they estimated me, for the time being. 
When I filed for the tax break, they could not confirm the amount, and stated I had to wait until it kicked in, next year. 
When the " tax break '' finally kicked in, I found that it was a 60 % reduction on state and federal only, NOT school, which was the bulk of the taxes. 
my tax break was barley {$1000.00}. which I get in a lump sum, and my payment is still $ 2450 monthly! 
Each school district decides how much of a break, if any, to give. This was never even mentioned to me- and would have greatly effected my decision on where I purchased my home. 
I am now stuck with this {$2400.00} payment, and just barley making the payments every month. 
I am a single mom, XXXX veteran, on a fixed budget. Not fully explaining this program, and providing me with monthly payment estimates, and qualifying me for a loan based on a number they had no control over- was completely unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation