BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: ECMC GROUP, INC.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX USED INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECEIVED ANY EDUCATION BENEFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU IN VIOLATION OF THE FAIR DEBT CREDIT REPORTING ACT. ECMC IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR XX/XX/XXXX. I HAVE MADE NUMEROUS REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRUMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. ECMC IS REPORTING FALSE INFORMATION TO REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL LAW. I HAVE PLACED ECMC ON NOTICE AND REQUESTED NUMEROUS DISPUTES OF THIS FRAUDULENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND ECMC HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. ECMC CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACCOUNT IS TIME BARRED UNDER FEDERAL LAW. THEIR ACTION HAVE RACIAL UNDERTONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRAUDULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW.I REQUEST AN INVESTIGATION INTO THESE ACTIONS. 

THANK YOU 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 monetary relief
Consumer complaint received 2020-11-18
Company: WELLS FARGO & COMPANY
State: MA
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2019-06-09
Company: ERC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Three companies are involved : 1. XXXX XXXX XXXX in XXXX. 
2. XXXX XXXX who took over for the last owners of XXXX XXXX XXXX XXXX they had been XXXX XXXX. I don't or never have had service with XXXX XXXX and XXXX XXXX XXXX account was closed in 2014. It ia no way they will except closure now because I have loved at XXXX XXXX XXXX in XXXX or XXXX XXXX since 2014. The accoint was requested closed but they never showed up to get in with me. If some used the account afterwards its because they could get in on their own account not a collection to me. 
They are claiming that I am using a cable box that don't exist. 
3. I have internet service through XXXX XXXX XXXX My bill with XXXX XXXXXXXX XXXX. WAS ONLY {$50.00} a month so where is this {$520.00} coming from. My this month bill is paid. And O am not supposed to be paying cable for XXXX if I say something to the owner suppose they stop allowing it. I need to know if they are going to correct this error. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have received this year two letters of credit denial from XXXX at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX, the first on XX/XX/2019, then XX/XX/2019, both times, they have pull my credit, with my authorization, never have applied or inquire either written or verbal for any credit lines or an account with them, the first time I send a letter to the instruction and their CEO with a copy of the denial letter, neither bother to respond. This organization is committing fraud big time, the federal government needs to investigate them

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 2020-11-18
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2019, I traveled to XXXX for my Wedding ceremony and spent a month and some weeks. I missed a payment because, unfortunately, I couldn't log in to my bank from XXXX due to security reasons to make my payments. I immediately made that payment once I returned to the US early this year. I spoke with the representative of Toyota financial services and explained my problem. They referred me to the credit bureau, who referred me back to Toyota financial. I hope you can get them to remove this negative statement since they both agree that the circumstances were out of my control. I don't think it's fair to suffer for this error due to distance and security. I offered to show proof of my travels, my ticket to and fro. I employ you to please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Experian Information Solutions Inc.
State: NC
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:
Accounts come back verified without all paperwork that should make such a case.

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 2020-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX XXXX XXXX XXXX  Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
In XX/XX/2020 I lost my wallet and all of its contents inside of a bar in XXXX XXXX. I filed a police report and closed all of my accounts, I also had to replace my credit cards and state issued drivers license. Somehow my mobile was also hacked and passwords were breached. Ever since I have been dealing with identity theft. Under the Fair Credit Reporting act 15 usc 1681 furnishers must investigate disputes received from credit reporting agencies and shall correct them. At this time I am exercising my rights under the FCRA to have all fraudulent accounts listed blocked and deleted immediately.

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 2019-04-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My checking account with Suntrust closed, causing my online banking profile to become invalid despite me having a Suntrust Credit card. I have contacted Suntrust multiple times to rectify to no avail. I need access to online banking to be able to use this CC effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions 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:
To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.

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 2019-06-05
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:
This matter is pertaining to Equifax. I have been a victim of identity theft and have taken all the necessary measures to clear my name including theft report file. Under the Fair Credit Reporting Act, information pertaining to fraud can be blocked at consumer request. I was told this by Equifax Fraud department. However, the following accounts is still showing on my file. Please assist me in resolving this matter CFPB. I am not the one who open the underlying accounts stated in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Brightfunders, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I initiated a refinance and during the initial call I was told a few things. 

Total fees would be {$3100.00} ( title : {$1500.00} & Origination {$1600.00} ) my total closing costs were {$5300.00}. 

I was told XXXX would purchase my points as a promotion. The closing disclosure has a charge of {$1500.00} charged to me. 

I was told I would be refunded half of the {$570.00} appraisal. I can only assume this is in " other credits '' on my closing disclosure but I don't know. 

Every time I questioned the closing docs the answer was " these things are always so wrong ''. 

This entire process was based on lies from agents working with XXXX. I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: SD
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:
I have tried to get my free annual credit report but have not been able to from XX/XX/XXXX. when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. Experian and XXXX  also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your 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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
I have tried to get my free annual credit report but have not been able to from XX/XX/XXXX when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. XX/XX/XXXX and transunion also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your 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 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written five ( 5 ) letters to Bank of America to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX, XXXX, and XXXX XXXX credit reports. The only communication that I have received from Bank of America included several monthly statements, however, I have never received these statements in the past.

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 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
I've never had cc with XXXX there on myXX/XX/XXXXit seems like XXXX and XX/XX/XXXXare in couhotes together also on my capital one shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I've been trying to get my credit report on the annual credit report website but it says my information doesn't appear

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 2019-06-09
Company: EQUIFAX, INC.
State: MT
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:
The short version of the story is XXXX XXXX is reporting my debt in a manner that negatively affects my credit score despite the fact that I have made my payments on time every month. It was never disclosed to me that my repayment plan was not sufficient to keep my credit in excellent standing. It was never disclosed to me that my student loans could negatively impact my credit report. 

The longer version of the story is as follows : In XXXX I was assigned XXXX XXXX as my loan servicing company upon graduation from XXXX school at XXXX  XXXX University. At the time I graduated I had a combined balance of roughly {$110000.00} with about 20 different subsidized and unsubsidized loans. 

I decided that consolidation and income based repayment would be a good option for me, so I consolidated my loans with a 5 % interest rate with a 20-25 year forgiveness plan. The payment plan worked well for me. My payments were roughly {$100.00} a month and I have made the payments on time every month. Fast forward 3 1/2 years after graduation and I have saved up enough money to put a down payment on a home! 

Between XX/XX/XXXX and XX/XX/XXXX my boyfriend and I met with XXXX XXXX XXXX in XXXX Montana. We had our credit reports pulled to find that my student loans were negatively impacting my credit report. XXXX XXXX was reporting the loan amount of {$110000.00} with a balance of {$120000.00}. 

I was never informed that should my balance grow beyond what was consolidated that it would report negatively. Together with the help of our Loan Officer this XX/XX/XXXX, we called XXXX   XXXX XXXX to inform them of the reporting error. XXXX  XXXX servicing informed us that they had only started reporting their loans this way in XXXX of XXXX. When we asked why and if we could have it reported correctly we were put on hold for 30 minutes. This tested our patience and we eventually hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date of service was XX/XX/2011. Amount owed is XXXX. The actions that i have taken is calling the original entity XXXX/XXXX XXXX XXXX HOSP XXXX. I called and explained to them that I was not present nor was I the patient for this bill. I believe that my ex-wife brought our daughter to the hospital for care. I also believe that the amount owed was not paid by our insurance company due to the hospital and the doctor fees being billed seperately. They may have gotten my social security number from XXXX, my insurance company. I have called XXXX/XXXX XXXX XXXX HOSP XXXX and theynhave said in the past that there is no balance due to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On numerous occasions I have calculated credit card balances that differ from what was calculated by US Bank. XXXX XXXX, 2017 my available credit was {$150.00} according to US Bank. A {$100.00} difference than what I calculated. Later same day, my credit purchase was declined. After phone balance inquiry, my balance was calculated {$80.00} shy of US Bank original calculations that morning, and no purchase had been made and none still pending. Another checking account I have with US Bank had been targeted and stolen from in the past. I have reported this bank to local police.

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