BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today I Bank of America at XXXX and spoke with a female claiming to be XXXX XXXX who said that she had submitted the request to remove all the late fees for a total of {$100.00}. I had to repeat the reason for non-payment a 4th time which has not changed. I did not get my statement. They were put in the wrong mailbox. Instead of XXXX it was placed in XXXX. The 1st female who cancelled the 1st card I never received took the information. She was rude claiming it's not a Bank of America problem, it's a postal problem. I made a complaint to the Post Office. I made a request on XX/XX/2018 to XXXX XXXX who probably never attempted to put the late fees in, then XXXX a late fee was added

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 2018-09-30
Company: WELLS FARGO & COMPANY
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 belongs to someone else

Complaint:
On XX/XX/2018 I submitted a debt validation letter to Wells Fargo for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and XXXX advised me to dispute this information directly with Wells Fargo, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and Wells Fargo has failed to provide any validation of debt as requested. I received a letter from Wells Fargo showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as XXXX. Wells Fargo is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.

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 2018-09-30
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I submitted a debt validation letter to Transunion and XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it with Transunion in the past. I was advised to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against Transunion as well as XXXX XXXX XXXX for violating my rights as a consumer.

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 2023-02-14
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN DEPT OF EDUCATIONXXXX 90 days late DEPT OF EDUCATIONXXXX 90 days late You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

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 2020-07-08
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX  and XXXX. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by XXXX. 
Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact XXXX and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company Midland Funding LLC is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with Midland Funding LLC and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX. He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that Midland Funding makes him do that to people. He told me that Midland changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. Midland violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: LA
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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.

I need this information below. If you can not provide this information please delete these accounts from my credit report.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of The Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: AES/PHEAA
State: WA
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:
My loan servicer is listing the incorrect number of PSFL qualifying payments on my loans. I began making qualifying payments in XX/XX/2013 and have had more than 60 qualifying payments. However, they list only 40 qualifying payments on most of my loans. They tell me that my qualifying payments are " under review, '' but this review has taken an unreasonable amount of time ( more than 5 months ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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:
I was a victim of predatory lending with School XXXX XXXX was sent a letter by XXXX XXXX XXXX informing me that I’m no longer responsible for loans and I have a zero balance. But company refuses to honor the discharge. And I was sent a letter that my dispute was denied by company XXXX. Student Loans Amounts in Total is XXXX   dollars. XX/XX/XXXX loan amount XX/XX/XXXXXXXX. , XX/XX/XXXX XX/XX/XXXXXXXX,  XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX. This has been an on going problem for 10 years. And I would like to be able to get my life back. I’ve reported to all bureaus and was denied of my disputes.

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 2018-09-30
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:
I paid off both student loan accounts with Navient ( servicer ) in XX/XX/ by requesting a loan payoff amount directly through Navient 's website. In XX/XX/XXXX, I received a loan payoff confirmation letter, but it only confirmed that one of my accounts was paid off. ( See attached copy ). Then, mysteriously, my account reflected that I had a several XXXX dollar rebate credit, which would be sent to me. When I contacted Navient regarding the rebate, they acknowledged that it was in error and that my student loans were both paid off on full, and that no further payments were required. 

Then on XX/XX/XXXX, I received a statement from Navient stating that I had further payments due, and that I needed to pay {$49.00} in my next monthly installment, which would be due XX/XX/XXXX ( yes, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/XXXX ). I then called Navient on XX/XX/XXXX, and spoke to Navient employee no. XXXX regarding various accounting discrepancies. She acknowledged that Navient was in error and that I would receive revised statements reflecting a zero balance. I requested a full accounting be provided from the beginning of the loan to the present, reflecting loan disbursement amounts as well as all payments applied to the loan. She said the accounting would be provided on XX/XX/XXXX. 

To date, I have not received the requested accounting from Navient. According to Navient 's online statements, I have calculated that I overpaid my loan accounts by somewhere between {$480.00} - approximately {$610.00}, but it is unclear from Navient 's records what the exact amount is. Receiving an accounting would help clarify what amount has been overpaid. 

I believe I am owed a significant overpayment check from Navient, but have not received the accounting I have asked for nor any over-payment check. I would like both of those as soon as possible, given my loan payoff in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2023-05-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2018 I sent a Cease and desist letter to the company requesting to cease all further communications. 
Today I receive a collection notice from the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.

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 2017-09-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX Seller could no longer pay the mortgage on our previous house which was his home.. The owner 's wife had another XXXX and they had a loss of income and XXXX XXXX XXXX triple the payment on the mortgage. So the seller 's started a short sale process. They received and offer of XXXX and the balance was XXXX and a HELOC of XXXX. So with a loss of income. After many months of XXXX requesting documents repeatedly they received an approval for XXXX. After the home inspection was done the property was found to have around XXXX of section termite and repair work to be done. The first buyers walked. 

So it was put it back on the market. and received another cash offer. Again the amount of work caused these buyer to withdraw their offer. 

So this time we received another cash offer for XXXX on XXXX/XXXX/XXXX and the loan was sold to Shellpoint Mortgage Servicing and again they are stalling with this offer and Single Point of Contact is not returning calls with in the 24-48 hour guidelines and XXXX XXXX his supervisor has not returned the call. 

So the short sale is at an empass where comps of sold and active along with the new settlement statement to was provide Shellpoint XXXX instead of XXXX since the buyer is doing all the section 1 termite work.rather than a credit for the work. 

The house was brokern into last week which Shellpoint was informed and a requestto please approve the short sale. They are again stalling..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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've already submitted a police report and dispute letters stating that the accounts and inquiries that are on my report are inaccurate and have been connected to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: SYNCHRONY FINANCIAL
State: AZ
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 was an authorized user on a TJ Max card and its only on my XXXX  report hurting my credit. We have requested them to remove me but they have not. See attached doc

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 2023-01-04
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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