BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX  ( XXXX XXXX XXXX XXXX ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved 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 2019-10-09
Company: AES/PHEAA
State: TX
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 received a bill dated XX/XX/XXXX from myfedloan stating I owed {$290.00} on XX/XX/XXXX. The breakdown of that bill is as follows : Loan Disbursed XX/XX/XXXX current due amount of {$73.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$69.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$43.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$0.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$100.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$0.00}. 

On XX/XX/XXXX I made a payment of {$330.00}. The break down of that payment is as follows : Loan Disbursed XX/XX/XXXX payment of {$73.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$69.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$43.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$0.00}. 
Loan Disbursed XX/XX/XXXX payment of {$100.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$39.00}. 

ON XX/XX/XXXX I logged into my online account and saw a warning message informing me that my loan which originated on XX/XX/XXXX for an initial amount of {$2300.00} was past due. The bill I received said that I did not need to make a payment as it had my current amount due at {$0.00} so I did not make a payment toward that loan. 

I called myfedloan on XX/XX/XXXX and spoke with a male representative who told me that I was past due and I needed to submit a payment of {$47.00}. He could not explain to me how this loan went from being paid ahead to past due. After I hung up with him I submitted an additional payment of {$47.00} to Loan Disbursed XX/XX/XXXX to avoid a negative mark on my credit report. 

I received a letter dated XX/XX/XXXX from myfedload stating that my loan terms had changed and that I was no longer on the Graduated repayment plan, but moved to the Standard repayment plan. I never requested or agreed to this change in my loan terms. 

On XX/XX/XXXX I called myfedloan and spoke with XXXX employee ID XXXX at extension XXXX. I asked her to explain to me why my term loan had changed. She was unable to figure out why the terms had changed on the 57 minute call. She told me she would research and call me on XX/XX/XXXX. I did not receive a call. 

On XX/XX/XXXX I called XXXX and ask her to explain to my why my loan had changed. She stated that it had changed because I was paying ahead on my loan and the system automatically changed my loan terms. I asked her to provide me with any documentation or proof that showed I agreed to allow for my payment plan to be changed. She stated she would email this to me. I currently awaititing for this email. 

I never agreed to change my loan repayment plan. I was never made aware that my loan could autmatically change repayment terms if you pay ahead on your loans. 

My loan repayment plan should have never changed. I would like my repayment plan to be reverted back to the original agreement I approved of which was a Graduated repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An attorney that was assigned to be my children 's advocate attorney in XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XXXX. She continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.

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 2017-11-30
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX XXXX, I 've received XXXX phone calls from a debt collector named XXXX XXXX. Additionally, they are harassing my wife asking for me. They are looking for someone with the same name as me, but the address and social security number associated with the debt are different from mine. It is also for an XXXX XXXX XXXX service I 've never had, so it is clearly not my debt and I 've informed them of that. When I tell them this information they immediately hang up the phone, but then I get additional phone calls afterwards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: SLM CORPORATION
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I try to call Sallie Mae to resolve my son 's past due student loan and the representative that took the call was threatening, rude and disrespectful. I asked to worked out a smaller payment and she treated me like I was the lowest scum of the earth and yelled at me. I really do not want to speak with any of them anymore because of the way I was treated. Sallie Mae contacted relatives in a different state and secretaries in my office to obtain my personal information. They left voicemails, spoke with our secretaries, and faxed my employer. They call continuously and don't have any respect of boundaries. This is harassment and it needs to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My co-signer passed away and I was informed my debt was now collectible. However not having the money I could not pay and instead of going after my co-signers estate the whole burden fell on me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$1400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Credit Protection Association, L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It says date opened XX/XX/2017. {$330.00} was due. I had contacted them and told them this wasnt me, they said I still had to pay it so not sure what I need to do from here

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 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Capital one is fraudulently reporting my account 30 days late in XXXX of 2019. I made the payment through the online system and alerted the customer service representative about the issue with the online banking with my bank and capital one. Every month there was a problem making payments until I switched to a debit card. I contacted customer service reps and managers without assistance. My bank has made several accommodations for capital one. I will be suing capital one of my credit report is fixed and the balance waived. This company never does right by customers and always tries to purposely hurt the consumers credit. I made my payment on time there was issues with there online system and there ach clearing house with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Ditech Financial LLC
State: ND
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recieved mailing from prodicence advocates to help refinance my mortgage I had set up with ditech financial. They sent me documents and said they could settle with them and lower my apr payment and current balance and said not to pay them nor contact them as they would do all that during the process..XXXX  XXXX was the sr case manager he was with XXXX XXXX XXXX   XXXX XXXX XXXX XXXX . XXXX XXXX XXXX : XXXX Toll-Free :  XXXX Ext. XXXX Fax : XXXX XXXX He told me to mail money orders via USPS to this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone is XXXX which I sent them payments as advised I starting getting late payment notices via ditech I asked XXXX repeatedly bout it he said not to respond or contact or pay that he is taking care of it ..after a foreclosure notice I contacted ditech and found out I was scammed and brought to the attorney general 's attention and they investigated and was able to get my money refunded to me but has no authority of reversing my credit and I have tried asking ditech to remove my 90 day late on my credit report back XX/XX/XXXX by writing them a letter of hardship on what happened to me explained everything and they denied it I again called XX/XX/XXXX they again denied it but said they will send another request to have it removed ... please contact the attorney general out of North Dakota to search the case thank you I want the 90 day late removed from my credit report from ditech they said it will be on for 10 yrs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ XXXX on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XXXX with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/XXXX removed ALL Listings from my XXXX, XXXX and Equifax credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
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 fraud alerts or security freezes

Complaint:
ASKED TO RESUBMIT MY COMPLAINT TO REMOVE AN EXTENDED FRAUD ALERT WITH MY ID AND ADDRESS PROOF 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 non-monetary relief
Consumer complaint received 2017-11-29
Company: TRANSWORLD SYSTEMS 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: Investigation took more than 30 days

Complaint:
I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A XXXX XXXX REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XX/XX/XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XX/XX/XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XX/XX/XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: NCB Management Services Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know ncb debt collections management have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft

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 2018-03-15
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have a Wells Fargo Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my credit score to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. Wells Fargo told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called Wells Fargo in XX/XX/XXXX to  inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 @ XXXX I just got a voice mail from this Cmre Financial Services. They refused to verify their identity and kept trying to get private information. I should be able to give you the reference number and you tell me who has hired you to collect this money. I believe this is a scam and harassment at it's finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see page 7 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XX/XX/XXXX DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; MED DATA SYS XXXX MED DATA SYS XXXX ARS ACCOUNT RESOLUTION XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: Experian Information Solutions 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:
On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.

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