BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In Reviewing my credit report, I discovered that my file fails to include information that I know is important to providing a complete portrait of me as a consumer. I request that you add the following information to 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 2018-04-30
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a request for validation to PHOENIX FINANCIAL SERVICE for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
State: KS
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 reporting a fraudulent account on my credit report after XXXX XXXX stated they do not have knowledge or any information in their system regarding this account. Account number XXXX XXXX XXXX XXXX have sent multiple dispute letters regarding this account and Experian has yet to remove this account. Also, I havent made any payment towards this fraudulent account but Experian is reporting a recent payment of {$2.00}.

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 2018-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have ask XXXX to provide documentation to me several times validating this student loan debt and by validating these debts I actually wan na see who signed the loans if there is even a signature. 

I feel these loans where opened fraudauluantly until otherwise proven by signature that these loans belong to me. For some reason XXXX has not and wont provide this information to me, when I so called have rights to these loans. 

I will ask once again for XXXX to provide this information to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: PHH Mortgage Services Corporation
State: PA
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 inquired with PHH mortgage services regarding loan refinancing. After talking to them I declined the loan. They sent a packet of all my financial and personal information to another customer of theirs. When this customer realized he received all my information he notified PHH. He stated he spoke with several people at PHH. They all instructed him to ignore this and shred the documents if possible. I was made aware of this by the customer. PHH mortgage corporation never notified me of this breach of my security and still has not. The only reason I know of this is because of the customer who felt he should tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Consumer Portfolio Services, Inc.
State: PA
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:
Consumer Port Svc. ha8s placed an hard inquiry on credit file on XX/XX/2018. Inform company inquiry was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XX/XX/XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Bank of America sent out a 30 day late notice, the only one in many accounts because a dormant account had an annual fee placed on it without notification. And it was not paid until the next bill was sent out.

XXXX  investigated and did not do a thing because technically I was 30 days late from when they wanted it paid even though I was not notified because it was a dormant account. Also, my credit limited was reinstated and the late fee removed but this was not reflected on the credit report either.

I currently owe XXXX and in fact Bank if America is late sending me a check for an over payment.

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 2017-08-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had sent a request to all three credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. XXXX and Equifax both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why XXXX and Equifax seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to Equifax and XXXX just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Applied Data Finance, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Account Name : PERSONIFY Account XXXX : XXXX Reason : Incorrect late payment to credit reporting agencies. 

I originally borrowed {$1000.00} from this company around XX/XX/2019. But the interest rate was way too high for me. Originally they said I had to make payments around {$100.00} a month I do believe. Then they tried taking out over {$2000.00} a month from my XXXX  XXXX XXXX checking account. This is insane. I had to call XXXX XXXX XXXXXXXX, account number XXXX to block this company from taking XXXX out each month for x amount of months when I only owed like XXXX to them. This went on for months and I refused to pay this much because I was struggling and I am a XXXX veteran. They never gave me the chance to explain my financial situation. They then kept increasing the balance owed because now they charged it off as me owing over XXXX dollars. and it's affecting my credit really bad and I called them to fix it but they refused to help me. they told me they had already turned it over to a collections agency. I want them to fix this so i can get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I make my credit card payment on the due date every month, which I always take a screenshot of, and I still am charged a late fee that has gone up several dollars over the last few months. When I called to find out why this was happening, I was told that the payment had to be made by XXXX Central time ... ... WHAT?!?!? Oh but, if I payed by phone it was a different time, and if I went directly to the store, it was a different time as well. What the heck?!?! Really???? Ive NEVER had this issue paying my bills on the due date! And then their customer service agent told me I was redicilous for making a payment without actually looking at my statement ... ... .... since when does a due date actually have a time limit??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has sent me to collections for a debt that is not, and is impossible to be, mine. This is for an account that I have since transferred and closed. It is being claimed that this account was closed in XXXX of XXXX, when I closed the account three years prior. I have a screenshot of that account closure. 

I have documentation that I had transferred my service from XXXX XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX as of XX/XX/XXXX. 

I could not have had service in two places at once. 

Furthermore, I have also attached an account closure notification for the jersey city account on XX/XX/XXXX. 

In XXXX 's letter, the info graph of gas usage was zero for all of last year, and then somehow restarts in XXXX of XXXX. There is no explanation for this, i have not lived at this address for 4 years. 

The collections agency said this debt is valid because it's in my name. I sent them my documentation and they claim there is nothing they can do. 

It is clear to me that someone on XXXX 's end failed to close my account properly, or it was reopened under the last known resident. Either way, this is not my debt. I have not lived at this address in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
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: Information belongs to someone else

Complaint:
A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: Western-Shamrock Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company was written and received a certified letter on XX/XX/19 after this company called me at my workplace. In the letter I instructed the company that I was not allowed calls at work and that they could only contact me via mail. The certified letter was signed and delivered back to me. They have since continued to call me as well as my references multiple times. I have sent a second certified letter as of XX/XX/19 instructing them to not contact any of my references nor me, that they are to only contact me via mail. They continue as of today to call my cell phone multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EQUIFAX, INC.
State: WI
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:
PLEASE SEE ATTACHED EQUIFAX_FINAL DEMAND FOR COMPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
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:
XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX  FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX  at XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: EQUIFAX, INC.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was recently banking with chime and I was notified that ny account would be put on suspension until I provide said documentation. After I provided documentation my account was still closed. Now there telling me they wont issue a check to me but instead the originator would have to request it but they cant because they arent allowed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: AES/PHEAA
State: WA
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 '' ) has consistently and willfully failed to update my information to major credit reporting bureaus within a timely manner. They have failed to update in XX/XX/2018 and failed to include my monthly payments on my credit report. This has led me to be denied for several mortgage loans strictly because of XXXX 's inability to furnish timely and accurate information to the credit bureaus. 

My monthly payment should be listed at {$160.00} instead of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was paid off on XX/XX/XXXX. Wells Fargo advised that escrow balance plus refund from overpayment of mortgage balance would be received by XX/XX/XXXX. So far nothing has been received from the company. 

Online account says that a check has been issued for {$3800.00} as of XX/XX/XXXX but that amount only includes funds from the escrow account. It does not include the amount overpaid in principle in interested ( estimated around {$1500.00} ). I was told that I would receive one check with both amounts. 

Additionally Wells Fargo continues to pay PMI on this loan after a payoff was received so my escrow balance has been reduced since loan closing.

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 2019-03-19
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: Information belongs to someone else

Complaint:
This is not a redundant or repeat complaint. 

XXXX refuses to provided information : ID verification, application information for a loan that they claim I applied for in XX/XX/2013. 

They do not respond to phone calls and there is no way to get through to them to handle this issue. 

I am including yet another police report that I had to refile as the previous was sent to them years ago. 

There is no way to contact this company and the phone number listed in their responses goes unanswered. 

They have listed multiple amounts due for a loan not owed. The bank drafts were disputed and refunded by my bank. This has been an issue for 6 years and the company refuses to address it.

Company response to consumer: Closed with explanation