BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: CCS Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2019, I discovered errors on my credit report that was furnished by your company CREDIT COLLECTION SERV / CCs. I disputed this erroneous information directly with the Credit Reporting Bureau. CREDIT COLLECTION SERV / CCs then informed the Credit Reporting Agency that it 1 ) conducted an investigation and 2 ) the information reported regarding me is correct as reported. On XX/XX/2019, I mailed your company a dispute letter. Despite all of my objections and disputes, CREDIT COLLECTION SERV / CCs continues report this erroneous debt to at least 2 Credit Reporting Bureaus. 
Privacy Concern. COLLECTION SERV / CCs collected, processes and retained private, Personally Identifiable Information ( PII ) regarding me. I DID NOT CONSENT to Credit Collection Serv / CCs obtaining or processing my PII as this debt does not belong to me and I do not have a relationship with or provide consent to CREDIT COLLECTION SERV / CCs. Any information you may have been provided regard me has been wrongfully and incorrectly provided to you. Aside from my separate issues with the Original Debtor, you have my PII and YOU HAVE NOT BEEN AUTHORIZED BY ME TO COLLECT OR HAVE ACCESS TO MY PII.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My student loan is due on the XXXX of the month. Today is the XXXX. So far I have received two calls today already from Navient. This happens any time that the payment is *late* ( however well within the grace period ). The first call was at XXXX XXXX my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Crow Creek Sioux Tribe
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had a loan with myloansite.com. I had issues paying the amount of interest and made an arrangement back in XXXX to pay {$100.00} mo. I have since paid over {$500.00} owed. The original amount borrowed was {$1200.00}. I made an arrangement to pay over 2800 as that was the best that they would do. This month due to the holiday my pay was in XXXX as opposed to the end of XXXX. I told them to take the money out on XXXX XXXX. They say I was to call again. So now they are saying I am in default, that I owe {$300.00} every two weeks and that I owe almost {$5000.00} and climbing. I can not do this! They will not assist and want more, almost 4 times what I borrowed.

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 2022-04-28
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act Ive contacted them asking for proof of contract or application for an approval none can be provided 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.

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 2022-04-28
Company: COMMERCE BANK
State: OR
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:
On XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I have NO IDEA why. I did not apply for credit, housing or employment anywhere. This appears to be fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. 

The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX But after calling, they say this information is not correct. 
The correct phone number is : XXXX I advised them what happened and gave them my info. They reported they just started receiving many calls with the same complaint. They said their Security Dept would return my call within 48 hours. That was today, XXXX XX/XX/2022 No further at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I do not frequently use my savings account at Bank of America ; instead, I typically use my checking account for direct deposit and bill paying. 

I was on a student account with no minimum balance requirements in my savings account. At some point this account was switched to a savings account which required a minimum balance, but I was not informed of this change. 

I just discovered that I 've been charged $ XXXX for at least XXXX years ( my statements do n't go back further ) because of this. Bank of America refuses to refund my account for those fees despite me offering to increase the balance of my account to meet the minimum.

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 2017-07-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Account Resolutions  Services  a debt validation letter in hopes that they will furnish any documentation stating that the debt was mine. In response they sent me a letter basically stating " This debt is valid ''. There were no attached signatures stating I was in a contractual agreement with this company or the original creditor. I was not sent an itemized statement. I also asked if they could not furnish any signatures or contracts that it should be removed from the credit reporting agencies and they still are reporting negative information on my file. I would like them to provide this information or remove the negative information from 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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX/XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations XXXX XXXX  didn't remove my public records

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 2020-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts (XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX DEALER SERVICES XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.

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 2021-06-14
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AR Resources had inputted on all three of my credit reports that I owe {$1800.00} from XX/XX/2018 and {$1200.00} from XX/XX/2018 and {$870.00} on XX/XX/2018. I have disputed it with all three credit bureaus. The response I received back to validate the information was an actual document from the hospital violating the HIPPA law, showing my name, my dates of service and the cpt codes, the description of my visit and the Dr who treated me at the time. Nothing that confirma this debt is mine, no signature, no contract anything. Just my personal Dr records. that they should not be in possession of. When I called them in late XXXX to express that they have violated the HIPPA law to remove those delinquencies at once. The rep and her manager got very angry with me and advised me that they didn't send me the letter when the envelope is from AR resources and notes their address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In two years of having Sun Trust / Suntrust Bank service our loan, they have twice missed the annual property insurance deadline and also missed paying our county property taxes once. I have spent ~20 hours fighting with different unhelpful agents to get them to make the payments for which they are escrowing money from us. The current property insurance payment is approaching 3 weeks late ( still not received ) and I can not get a clear answered when/how it was paid.

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 2022-08-05
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY 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 2022-04-28
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX  Account # XXXX Has violated my rights XXXX Account # XXXX Has violated my rights 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  Account number XXXX  Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving

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 2017-09-27
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX/2017 I submitted a fax to prosper to change my contact info from ( XXXX ) XXXX to ( XXXX ) XXXX i warned them via fax that if i keep getting calls to this number i will be submitting a complaint i have call logs that they are still calling me to ( XXXX ) XXXX after asking them to update my contact info. 

Note : The keep calling from number ( XXXX ) XXXX The change of info went in effect as of XXXX/2017 and they are in violation of my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximately one year ago, my loan was transferred from XXXX XXXX to Select Portfolio Servicing ( SPS ). When it was initially transferred, I was enrolled in a biweekly autopay program. It took me several months and many phone calls ( at least 10 ) to have my autopay set up with SPS. Because my payments are on autopay, I don't always look at my monthly statements, as I can see them coming out of my checking account. Last week, I logged on to the SPS site to see the balance of my loan. Upon logging in to the account, I noticed that my escrow account is over {$5200.00} in the negative. After reviewing the statement, I realized that SPS had been applying the money meant for taxes and insurance to the principle on my loan. I immediately called the lender to let them know of the issue so that it could be corrected. The initial person that I spoke with told me that she was going to put me on hold for a couple of minutes to see what the issue was. After over thirty minutes of being left on hold, I hung up and called back to speak with a manager. The manager ( XXXX @ ext XXXX ) looked at my account, and told me that I was correct. My tax and insurance money was being applied incorrectly. He stated that he was fixing it and I should see the money back in escrow account in a few minutes. I checked my account while I was still on the phone with him and the money was not back in the escrow account. I stated to XXXX that the money was not there, and he told me " oh, no it will take one to two days '' to appear in your escrow account. It has been more than " one to two '' days, and the money is still not in my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX bill that was settled and paid through Debt Recovery Solutions. <P/>Yet they refuse to send me acknowledgement that the debt was paid, and fail to report it as paid through the 3 credit bureaus. <P/>I paid the first installment on XX/XX/XXXX and the final installment on XX/XX/XXXX. <P/>I have called several times they acknowledge the debt is paid and I am not liable for the account, failed to send me notification through email or regular mail. Also making false statements to XXXX and XXXX saying I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: ZuntaFi Corp
State: UT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ZuntaFi sent a notice that they are willing to settle a defaulted student loan debt they claim to be servicing. My student loans are not in default, nor are they serviced by this company. There is no information about disputing the debt in their collection letter. 
Attempts to reach the company by phone are unanswered and in the meantime they are reporting the defaulted debt on my credit. There is no debt owed, I am in good standing and my servicer is XXXX according to studentaid.gov. 

Searching the internet on this company, they appear to be doing this to a lot of people. I am considering bringing a lawsuit against them under the fair debt collection practices act, but wanted to ensure they are reported to the government for running this scam so that perhaps you can hold these people legally accountable, because I can imagine many people would fall for this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts # XXXX and # XXXX are reporting a debt I do not owe. These accounts are past the statute of limitations. These should no longer be on credit.

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 2021-06-14
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2021, I made a payment via the online portal for Comenity Bank/XXXX XXXX. I incorrectly transcribed the last 4 digits of my bank account as XXXX instead of XXXX. The payment didnt clear, as the account was incorrect. I was unaware of the problem until my credit score dropped 90 points from this late payment. I immediately brought my account up to date. 

I have three credit cards with Comenity Bank, all of which have been paid in a timely manner. This late payments and subsequent drop in my credit score, has rendered it impossible for me to secure any kind of financing or loans for my small business.

I have sent 3 letters requesting a show of goodwill, all of which have been denied. At Comenity Banks request, I then disputed it through the credit bureau to which they also denied after telling me they would not.

I certainly understand that bills need to be paid on time. I have tried very hard to pay my bills on time, especially throughout covid and owning a business that was shut down for months. A 90 point drop in my credit score has decimated my credit. 

I am seeking the CFPBs assistance in hopefully rectifying this, if at all possible. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving

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 2019-07-16
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:
I went to a credit counseling class because I wan na better my future and what better way to start than with my credit. So after checking my credit report again I was shocked to see items that there are items on my credit report that are not mine on my credit report. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again these items listed are not mine and need to be removed from my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief