BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS COMPLAINT IS REGARDING BANK OF AMERICA ACCOUNT XXXX.MULTIPLE DISPUTES HAVE BEEN INITIATED THROUGH XXXX AND OTHER BUREAUS.IN ADDITION THE CREDITOR WAS ADDRESSED IN CFPB DISPUTES AND COMPLAINT. 
BANK OF AMERICA AND XXXX ARE DEPICTING ERRONEOUS LATES.NOW, I PLAN TO SUE BOFA AND XXXX  FOR EVERY FRAUDULENT VERIFICATION/CERTIFICATION THAT HAS BEEN ACCOMPLISHED.THE STATUTORY DAMAGE AMOUNT IS XXXX DOLLARS PER INFRACTION WITHOUT PROVING NEGLIGENCE OR INTENT.FOLLOWING THE RESULT OF THIS COMPLAINT I WILL SEND A DEMAND LETTER TO XXXX  AND BOFA SEPERATELY DEPENDING SOME-WHAT ON THE OUTCOME HERE, OTHERWISE I WILL ADD XXXX EACH TO EACH CLAIM IF UNSATISFIED AND I WILL SEE YOU IN COURT OR NOT IN XXXX SUPERIOR COURT. 
THE 2 VERIFIED DISPUTES DATED COMPLETE ON XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX AND XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX FROM XXXX SHOW THE LATES AS EXCLUSIVE AND DIFFERENT FROM THE EXCLUSIVE AND DIFFERENT DATES SHOWN ON PAGE ONE FROM THE BOFA FINAL LETTER.REMOVE BOFA FROM ALL BUREAUS

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 2021-07-20
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX reposesed my car in XXXX/XX/XX/2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, XXXX charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.

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 2020-01-28
Company: Marlette Funding, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was first contacted by ProCollect that owed a debt for {$270.00} for an online apartment application for XXXX at XXXX XXXX. I told that them that it was identity theft and that asked what documents I needed to submit to prove so for an investigation. The employee of ProCollect just to send what I thought I should send. On XX/XX/19, I emailed them my IDTheft Report, a letter telling them it was identity theft, and two utility bills proving my address during the time. They then sent me a letter saying I still owed the debt along with the application that was completed on line. None of the information on the application is correct besides my social security number. All other information is incorrect. There is also no driver 's license identification attached with the application. I called Procollect and was told I needed to submit a police report also to confirm identify theft. I emailed the police report on XX/XX/19. On XX/XX/19, the debt was reported to my credit report even after I told them it was not my debt and it was identity theft in writing. I have since spoken to ProCollect several times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and they say it my debt only because the social security numbers match and the thieves are using an old driver 's license number that is no longer valid, in use, and is from another state. I am a victim of several online breaches including XXXX  breach and my social security number could have been stolen then. An employee named Mrs. XXXX said she was not required to let me have the investigators report even though I requested 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 2023-04-17
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 noticed unauthorized inquiries in my credit report that I would like to be removed, because it was not 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 explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.

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 2020-11-28
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter about an alleged debt in XXXX stating that I owed them an amount for of {$400.00} for the last payment of the vehicle and received another notice a few days letter telling me I owe an additional {$2000.00} for the wear and tear of the vehicle. I sent over a verification letter to find out more information about this alleged debt in XXXX, and never received anything other than a bill/statement telling me how much I owe. I then sent over a letter letting them know the multiple violations they have commited towards me pursuant to 15 USC 1692 on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to receive ANY communication from them letting me know how they are going to rectify how they have violated my consumer rights blatantly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: AES/PHEAA
State: IL
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 am writing this complaint over concerns that FedLoan Servicing has inadequately managed my student loans. I have had an account with this servicer since XX/XX/XXXX when two Direct Consolidated ( one Subsidized & one Unsubsidized ) Loans were dispersed. 

I have been making on time monthly payments to my lender in hopes of qualifying for Public Service Loan Forgiveness ( PSLF ). This program allows those working for non-profit organizations to receive complete loan forgiveness after 120 monthly payments under a qualifying income-based repayment plan. As a way to track progress, I am obligated to submit employment certification forms to FedLoan which confirms my eligibility and shows my time remaining in the program. Previously, I had received a letter directly from FedLoan Servicing indicating thetotal PSLF qualifying payments I made from XX/XX/XXXX until XX/XX/XXXX, in which it concluded was 32 qualifying payments. Ihave attached the supporting documentation. I have continued to make on time payments and submit employment verification since XX/XX/XXXX, but sometime between XX/XX/XXXX and XX/XX/XXXX FedLoan re-dispersedmy two Direct ( Subsidized and Unsubsidized ) Consolidated loans and created 3 new Direct Consolidated loan amounts ( now 1 Subsidized and 2 Unsubsidized ). In doing so they essentially reset my PSLF qualifying payment counts back to zero starting the Fall of XXXX. I am left with no clear indication that they will honor the previous qualifying loan payments. 

I have contacted FedLoan numerous times to rectify the counts and have received inconsistent explanations each time. On XX/XX/XXXX, I requested for a formal review to be made of my account and that the total number of qualifying payments be recalculated and updated. At that time I was told that my original 2 consolidated Direct loans were split into 3 new loans due to the amount of interest my loans were generating, but that all of my prior payments would still be credited despite the changes. I then this week called to follow up and was told that there is a pending review because FedLoan is waiting for documentation from my " prior loan servicer ''. They claim that FedLoanhas only been my loan servicersince XX/XX/XXXX, which is incorrect since they have been the servicer since XXXX. This to me indicates that they have lost all prior documentation of my on time, qualifying loan payments to FedLoan and I am concerned that all of my prior qualifying payments will not be counted.The total PSLF qualifying payment count should be approximately 51 payments from XX/XX/XXXX until XX/XX/XXXX ( the date of my most recent employment verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I opened my credit report and found that it has inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2023 I once again reviewed all three of my credit reports from XXXX, Equifax and XXXX to find that I am the victim of identity theft and my information was fraudulently used to apply for car loans and credit cards. There are multiple inquiries from these companies that I am requesting to be deleted immediately. I have already filed an FTC report and a Police Report. 
The credit bureaus are in violation, reporting that these inquiries into these credit applications were determined to be factual, but this is incorrect and they are refusing to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: OK
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:
Hello, I have reached out periodically to Experian. Yesterday, I made six calls and repeated the same information over and over. I was transferred to 2 supervisors and after a long hold they disconnected the phone call. 

Everywhere on my Experian report it says that all of my payment have been paid as agreed. Except for my score profile. This is an Experian error, therefore since this error is not attached to an account I can not electronically dispute it nor will they let me dispute this error by phone. 

Per Experian Report What's helping your score? 
No Missed Payments Low Revolving Credit Usage Recent Credit Card Usage Not Seeking Credit What's hurting your score? 
Few Accounts Paid On Time ( please notice Experian 's helping my score says no missed payment, which are correct ) You have few accounts that are in good standing. ( I have 3 open accounts and according to Experian 's report ALL of my account have been paid as agreed, which is correct. 

Number of your accounts currently being paid as agreed 2 accounts ( Your score Profile XXXX Scores are used in 90 % of credit decisions. In fact, XXXX  Scores are the global standard for lenders in the banking, mortgage, credit card, auto and retail industries. XXXX Score 8 ranges from XXXX to XXXX. Higher scores are better. 

What's helping your score? 
No Missed Payments Low Revolving Credit Usage Recent Credit Card Usage Not Seeking Credit What's hurting your score? 
Few Accounts Paid On Time You have few accounts that are in good standing. ( Please see Experian credit report ), simple incorrect information. 
Number of your accounts currently being paid as agreed 2 accounts -Experian 's report shows three active accounts that have all been paid on time. 

The XXXX  Score considers the number of accounts showing on time payments. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion performed an investigation on XX/XX/2023 related to the account VA XXXX XXXX XXXX XXXX # XXXX. The investigation results indicated that the BALANCE = {$1900.00}, the PAYMENT STATUS = 120 days late, and there are THREE 90 days late payments. All the previous data is incorrect to include the balance, payment status and payment history. I do not have a balance, I am not in a late payment status and I have never been late.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN IS GIVING ME BOTH THE RUN AROUND AND FALSE INFORMATION. I HAVE SENT 2 VERIFICATION REQUESTS TO ALL OF THE BUREAUS. EXPERIAN CAME BACK THE FIRST TIME REFUSING TO REINVESTIGATE. THE SECOND ROUND IS ATTACHED. THE FIRST PAGE TELLS ME THAT THEY GOT THEIR INFORMATION FROM SOME ORIGINAL AND SOME 3RD PARTY COLLECTORS. THAT IN ITSELF IS ILLEGAL. THAT DID NOT GIVE ME ANY PROOF. THEY DID NOT SHOW ME ANY ORIGINAL SIGNATURES OR NOTHING. I AM ALLOWED TO HAVE A FULL VERIFICATION NOT A GUESS. I THEN NOTICE THAT THEIR BEFORE AND AFTER FIRST REPORTED DATES, FALL OFF THE CREDIT REPORT DATES, ETC. DON'T MATCH. THEY ARE REAGING THIS STUFF. THEY EVEN TOLD ME THAT ONE ACCOUNT WAS DELETED BUT IT IS STILL LISTED. I AM FURIOUS. THIS IS AND HAS AFFECTED MY WAY OF LIFE THROUGH ABILITY TO GET JOBS, CARS, AND HOME OWNERSHIP. I AM SURE THAT I AM IN NO WAY SPECIAL AND MILLIONS OF OTHERS HAVE WRONG INFO ON THEIR CREDIT WITH THE BUREAU REFUSING TO CORRECT IT. THERE ARE THINGS THERE THAT SHOULD HAVE FALLEN OFF LONG AGO. THERE ARE THINGS THERE THAT CAN NOT BE VALIDATED NOR VERIFIED. THEY DID NOT DO A FULL CHECK WITH THE ORIGINAL CREDITOR ONLY AS THE LAW STATES. THEY ALSO HAVE CHANGED DATES OF FIRST REPORT AND EXPECTED FALL OFF. LIES!!!

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 2020-11-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My auto finance loan was set up for auto pay. The last payment of my loan was never automatically taken and I had no idea. I had bought a home in XX/XX/2108 and I had moved from my apartment. My address was never updated. I never received a letter from TD Auto Finance that I was missing my very last payment of a 6 yr loan that I had paid monthly on-time, every time. I assumed the car loan was paid off. Around XXXX I received some vague phone calls from TD autofinance asking me for my information to confirm who I was. At first I was skeptical as I had no idea what they were calling about because they refused to give me any information and I thought the call was someone trying to obtain my personal information. I then logged into my TD bank account and realized I still had a balance which I didn't know why. I finally called the TD Bank phone number back and was told that since my payment was for less than my monthly payment, the Auto Payment wouldn't go automatically. I paid the balance on the phone that day and thought everything was ok. I recently applied for a credit card and was denied due to my credit report. I obtained my credit report and it states that I have bad credit due to this incident with TD Bank Auto Finance. I am unsure why this wasn't cleared. To date I still do not have any letter or email notifying me of my payment being overdue or the threat of this ruining my credit score. I am very upset since my credit has always been relatively VERY GOOD and this error was not entirely my fault. Shouldn't I be notified via email or at least within 30 days by phone of this issue and not 90 days later? What is TD Bank 's gain for not clearing this? I can't even login to their account for additional information because they closed my account since my loan is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I file bankruptcy XX/XX/2018 and XXXX, experian is still reporting the creditors and past due instead of removing them 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 2019-10-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax keep reporting the same inaccurate information that was closed in my bankruptcy 2017 in which they have recorded. Over and over again which causes my credit score to drop over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Winn Law Group is very unprofessional, rude and illegal! Attempting to collect on a very old debt from XXXX ... .this account was an identity theft in first place and XXXX received dispute complaint back in 2015 and I NEVER received any collection notices from them and all of a sudden now collectors from WINN LAw group are threatening to arrest me if I didn't pay the full balance owed immediately? .... I'm on XXXX which is my only income and they are threatening to levy my accounts and garnish my XXXX pay .... Isn't this illegal to do? ... please help WINN Law Groups claims to be collecting for XXXX, who stated they do NOT have any past due balances on this account or in my name .... 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I applied for a student loan for my daughter. I was told by the student finance officer the loan will automatically go into deferment and will continue as long as she stays a full time student at XXXX XXXX XXXX UNIVERSITY. From XXXX  2018 to XXXX 2018 XXXX XXXX XXXX took the account out of deferment causing it to reflect late payments, without my knowledge or good cause. I was told their system shows my daughter is no longer in school. My daughter has been a full time student since initial enrollment. I was told I had to make another request for a deferment. I went to my daughter school and told them they need to notify the loan institution of the correct information so these late payments can be removed from my 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 2021-02-08
Company: EQUIFAX, INC.
State: UT
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:
XXXX account number starting with XXXX is reporting on my credit report and this is not my account. I have tried to speak with the credit bureau but they will not show me proof that the account is mine.

Company response to consumer: Closed with explanation