BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
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 fraud alerts or security freezes

Complaint:
For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among XXXX, XXXX and TransUnion. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>
Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
When I try to link my bank to any account the PNC mobile app acts up. In this situation it states " PNC Bank is block you from enabling external applications ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX-XXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX XXXX XXXX XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, 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:
XX/XX/XXXX Re : Confirmation # : XXXX Hello, In response to your dispute results, there are a few inquiries that should not be on my report as I did not make these requests. 
They should be removed ASAP. They are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX These inquiries that may impact my score are to be removed or investigated at once. I did not authorize any credit inquiries with these businesses nor do I have any open credit/trade accounts with them at all! 

Also, you are still reporting an account that does not belong to me. It is : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1600.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
diversified consultants is collecting for XXXX. acct was back in XXXX I had no service or signal so I purchased air wave equipment to obtain signal. XXXX stated I needed a secondary line to connect the equioment. XXXX denied me access saying my account was not eligible. XXXX failed to provide a signal that would allow me to reach any service, therefore I canceled my account. I do no know what charges could of created such a high balance of XXXX I am not liable for any termination fees as XXXX breached their own contract. I am unable to obtain records since my account is inactive status. diversified is only a middle man however such disputed verified acct is damaging my credit and they refused to remove it. this account is also past statute reporting and was illegally reaged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing recently filed for the Bankruptcy courts to lift the automatic stay which will allow them to foreclose on my home. I believe that this stems from me applying for the ( MAA ) Mortgage Assistance Alabama, and Specialize Loan Servicing not wanting me to receive this Covid Relief Assistance to help me become current on my payments. When I call they pretend that they are not knowledgeable of this program, however ; my assigned Underwriter has stated that Specialize Loan Servicing does participates in this program, and she's not sure why they wouldn't want me to be able to get this mortgage relief due to Covid. Although, I got behind a year ago on my payments, I have been making my monthly payments, however ; ( SLS ) has threaten to foreclose on my home. 

I also faxed ( SLS ) a letter on XX/XX/2022 requesting and giving them permission to give my information to the Underwriter, and they are pretending not to know what to do. 
It seems from my investigation that this company has a history of not wanting to help customers. We are in a pandemic and this program was designed to help people who are wanting to get back to some type of normalcy. Specialized Servicing goal is to take people homes.

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 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I submitted a complaint to you ( XXXX ) on XX/XX/19. It was regarding multiple {$35.00} charges that were debited from my account. The Bank of America has a program that allows clients to withdraw more from the ATM at times than they have in their account. Previously, they would charge the customer {$35.00} for every 5 days the funds were not deposited. A class action suit was filed ( I was not part of it ) which somehow stopped the bank from continuing this practice. Now they only charge one {$35.00} fee for the withdrawal. But they have a lot of my money ( multiple {$35.00} fees ) that they have not returned. If it was illegal I should get that money back. Someone from the bank looked at this complaint and got it mixed up with complaints I had filed on a completely different issue. They told you they had already closed this claim but that isn't correct. They have never contacted me re this complaint. They afre two different issues. Please look at this again. Thank you.

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 2017-11-11
Company: Midwest Recovery Systems
State: AK
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:
I filed a complaint about this already ; however, the information is on all 3 credit reports. On XX/XX/XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from Midwest Recovery Systems.
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor.
I called all the numbers for Midwest Recovery Systems found on the internet and provided on the credit report, none are good working numbers.
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent.
On XX/XX/XXXX I found that all 3 major credit reports show this debt.
Midwest violated the Federal Debt Protection Act by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Credit bureaus will not allow me to access my credit reports online or by phone.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
On Wednesday, XX/XX/XXXX, I contacted XXXX to inform them of my new banking information, however, no one answered. I left a detailed voicemail but never received a callback. On Tuesday, XX/XX/XXXX I contacted XXXX once again, and once again no one answered. I once again left a detailed voicemail but never received a callback. Last week after being informed by the credit bureaus that the balance was reported as an increase I disputed the amount and asked for an investigation. XXXX contacted me but only to pass the blame to everyone but themselves and offered no resolution. I dispute the account with them as well so there could be an investigation completed however this week instead of investigating I was meet with yet another negative mark on my credit on an actively disputed account that belongs to a servicemember protected under XXXX. XXXX has violated federal lending law and also provisions of the FCRA. A XXXX complaint was made but I have yet to receive a response from XXXX. I have also filed a XXXX AG complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I contacted FedLoan Servicing via secure email on XX/XX/XXXX seeking additional information about my federal student loans. A copy of the text of the message I sent them on XX/XX/XXXX is attached as Letter to FedLoan XXXX.rtf. To date, I have not received any contact or additional information from FedLoan Servicing regarding my inquiry. As it is my current understanding from information available online, FedLoan 's contract with the US Department of Education will end on XX/XX/XXXX and that FedLoan will soon cease to exist, I hope to receive information in a timely manner, which has not yet happened. Given the updates put out by the Department of Education, I am seeking review of the following payment periods : Loan Sequence 3, Period XX/XX/XXXX ; Loan Sequence 4, Period XX/XX/XXXX ; Loan Sequence 5, Period XX/XX/XXXX ; Loan Sequence 6, Period XX/XX/XXXX ; Loan Sequence 6, Period XX/XX/XXXX ; Loan Sequence 7, Period XX/XX/XXXX ; Loan Sequence 8, Period XX/XX/XXXX ; Loan Sequence 8, Period XX/XX/XXXX ; Loan Sequence 9, Period XX/XX/XXXX ; Loan Sequence 10, Period XX/XX/XXXX ; Loan Sequence 10, Period XX/XX/XXXX ; Loan Sequence 11, Period XX/XX/XXXX. Further details can be found in the Letter to FedLoan XXXXrtf attachment. I would like clarification whether these payments count under the new policy or if any additional steps are required to have them count under the new policy. If the payments remain ineligible, I would like a detailed explanation as to why that is the case. I am especially confused as why some payments from some of the same loan sequences counted for periods XX/XX/XXXX and XX/XX/XXXX but not XX/XX/XXXX. I also attached FedLoan 's previous confirmation of my employment with the State of Maryland at the time in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have made numerous attempts to have missing positive information on my credit report be reported. In place of the positive Consumer Data it reads ( No Data, Missing Data, Not Reported, etc .... ) From Equifax Website : Can I only report the positive or delinquent accounts? Am I required to report an account when payment behavior is inconsistent? *Equifax requires its Data Furnishers report full files on a monthly basis. Why were my full files not reported for various months? Also you have 30 days to respond to a complaint please explain why I have not been addressed for 10 months on 1 complaint from Equifax? I have written Emails and Called them to no avail. I have provided them with credit card statements to prove payments made as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My credit report reflects three consecutive mortgage lates back in XXXX, XXXX and XXXX of XXXX suggesting that I was late in XXXX, XXXX and XX/XX/XXXX XXXX 30 day reporting ) I wrote the XXXX XXXX on XX/XX/XXXX disputing this report. I submitted both the credit report as well as my bank statement reflecting payments and dates for a full calendar year for both my XXXX XXXX accounts. I received a general acknowledgment response thanking me for my inquiry stating that I would be provided a response by XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they were unable to determine my specific concerns. Additionally, I received a phone call that same day stating that they had resolution and basically reiterated what they show in their system. I asked them if they looked at any of my supporting documentation that reflected timely payments through my bank and that I thought they had an internal issue with how they applied they payments. This is consistent with how their statement reflects missing payments in XXXX and XXXX then multiple payments in XXXX. They admitted to not looking at the information and stated it would take more time. On or about XX/XX/XXXX, I received another phone call stating that they would not resolve my issues unless I submitted more supporting documentation. Since that time I have tried to get qualified for a mortgage on a new home and have been plagued with this inaccurate reporting. The new mortgage company that I have worked with has received very little cooperation from XXXX XXXX to resolve this as well. I am now stuck with the inability to get funding for a new home while in the process of moving. I believe XXXX XXXX has carefully walked the line in regards to being compliant with the FRCA, from a timing perspective, but has not done anything ethically to resolve the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am requesting all credit reporting agencies immediately remove from their information my 2001 XXXX XXXX XXXX XXXX from their files. Most states remove their records that type of information after 10 years. In VA it is 20 years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and XXXX and I want both removed. That would resolve the issue.

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 2021-10-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SANTANDER CONSUMER USA

Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Navient Solutions, LLC.
State: CA
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:
Our daughter attended school, XX/XX/XXXX school year at the XXXX XXXX XXXX XXXX XXXX. We received a loan by XXXX XXXX for her schooling..she left after one year of schooling, where upon we called XXXX XXXX to pay off her loan. We were told that our balance was XXXX. We paid by check the amount of XXXX and received no correspondence that this account had been paid ... or that any balance was due. It was n't until XX/XX/XXXX that we received a note saying we owed interest on the loan. At that time we started writing letters and calling. but received no return correspondence. This has been going on for 9 years, every time we call, we get a new person and have to start all over again ... now we have received a litigation letter. We called and went through the whole story.. again.. and was told our money was split up between our loan and three other loans that belonged to our daughter. No one informed us that this is what had happened with our original loan. The only loan we and our daughter took out was with XXXX XXXX, us as a co-signer. When talking to Navient who took over the loan.. we were informed if they redirected all funds to pay off our loan ( that we should n't have now because it was paid off ) ... the three loans that our daughter supposedly has, will go into default, pending litigation. This is a lousy way to do business. We took out a loan for our daughter to go to school and in good faith, paid off our debt, to only be harassed by this company. We took out a loan with XXXX XXXX only, accrued XXXX, when we were done we talked with XXXX XXXX and they told us our balance was XXXX, which we paid with a check ( we have copies of the canc check ) Now we are told that {$22000.00} was applied to our co-signed loan with XXXX XXXX, the other {$8700.00} was applied to our daughters other 3 loans. This gave us a balance that was still due, that we did not know about, that has been accruing interest and has been detrimental to our credit, and our daughters. We are at our wits end ... this has been going on forever ... and it 's the government, so there 's no way to fight or get satisfaction.

Company response to consumer: Closed with non-monetary relief