BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX account was opened in XX/XX/2017 and it has a balance of {$450.00}. Ive called XXXX several times to resolve this and theyve yet to rectify it and its reporting on my credit. Also, theres a XXXX XXXX bill on my credit, opened XX/XX/2017 with a balance of {$1900.00}. Ive contoacted them several times and even attempted to do a payment plan because its on my credit. Its unfair because this is not and was never my account.

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 2019-02-15
Company: Bass & Associates, P.C., Attorneys at Law
State: MT
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 received a letter from Bass and Associates, P.C.Student Loan Department XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/2018.Immediately I send a validation letter requesting, 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts in Montana, on XX/XX/2018. Since then I have not seen the documents requested. I have received 2 more collection letters and they are still reporting t to all three credit bureaus. I need help. Please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fox Collections company only sent and/or provided documentation for the credit debt in the amount of {$350.00}. I NEVER received any correspondence for the 2nd account that is listed on my credit file. There has never been a verified copy of my signature sent for either one of these accounts, and I want them removed immediately. Providing a list of the procedures completed is not verifying that I gave any permission or that this medical information belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: ID
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 transactions that I have made. It is the result of identity theft XXXX XXXX XXXX and XXXX ( Original Creditor : MEDICAL ) 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 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
1. On XXXX. XXXX, 2020, XXXX XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XXXX. XXXX, 2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
3. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: NV
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:
For months I have been disputing multiple errors on my credit report and not only the creditors but also the credit bureaus have failed to delete, or even correct, the accounts in question.

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 2019-02-15
Company: ZOA, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I keep receiving calls from ( XXXX ) XXXX, from a Mr. XXXX XXXX regarding a loan that I did not take out, authorize anyone to take out, nor did I receive any such funds from this company.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1700.00} on Wednesday XX/XX/19 through the Fifth Third App. When I checked my account on Friday the funds were not available for me to use. When I called my Fifth Third Branch XXXX he advised that the check is placed on hold until XX/XX/19. He tried to escalate the issue and release the hold but he said it will not allow him to due to " reoccurring overages ''. Anytime I have over drafted I paid a fee of {$37.00} so I do not understand how they can punish me by charging me the overdraft fee, and then hold my funds without any communicated notice. I just do not understand how they are allowed to hold this transaction for nearly two weeks?! 

Any assistance with this would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: NV
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:
For months I have been disputing multiple errors on my credit report and not only the creditors but also the credit bureaus have failed to delete, or even correct, the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Midwest Recovery Systems
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by someone from an unavailable number who claimed they were collecting a debt for a creditor I had never heard of from 2013. They said they were Midwest Recovery according to them. The man told me I had to pay approximately {$1000.00} or he would be reporting me to all 3 credit bureaus. I told them I had not done business with the company he claimed to represent. He told me I took out a payday loan several years back, which was not true. I told them I do not do payday loans. I told him to please follow the debt collection process and send me written notice with the creditor information. They did not send anything. I told him I was not going to talk to someone from an unidentified number ; and a reputable debt collector will send me proper notice and does n't block their phone number. I got told I would have agents appear at my work if I did n't pay. Then a collection action appeared on my credit report from them for {$1000.00}. I looked them up online and they have apparently been doing this to many people. They violate the Fair Debt Collection Practices Act and are impacting my credit for a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: WILLOW BEND MORTGAGE
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We have an interim construction loan with Willow Bend Mortgage. They released {$22000.00} to our builder at closing ( XX/XX/18 ) without our knowledge. They informed us on the closing disclosure during the closing process. However, they did not verbally inform us and we missed the fine print. 
The builder requested a second draw ( XX/XX/18 ) which we approved thinking it was the first draw. The mortgage company did not require the builder to provide any invoices, paid permits, or any kind of proof that the first draw had been used according to the draw schedule. At the time he requested the second draw he had used {$2100.00} towards our property of the {$22000.00} he received. Additionally he received {$5000.00} earnest money. 
The mortgage company has defend the builder and applied no pressure for an accounting of the money drawn ( {$39000.00} ) their stance is I know it seems like a lot of money to you but its only 7 % of your loan its not our job to go knocking on peoples doors to get your money back this is between you and the builder Our issue with the bank is that they gave him the second draw without any documentation that the first draw was used appropriately. We understand with the first draw its an upfront draw so there isnt any proof required with that first soft draw. However, with the second draw there should have been some type of checks and balance system in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report. XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-04-08
Company: Nelnet, Inc.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have tried contacting XXXX XXXX Student loans regarding my account with them and have not been able to get ahold of anyone. I am trying to settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase bank used XXXX transfer pay and my funds of {$250.00} dollars were sent to the wrong person. Chase Bank is now stating they are not responsible for XXXX transfer payment going to wrong person. I reached out to them 1 week ago and they have failed to resolve stating they cant get my money back. They also state its not their responsibility yet this is a service provided by chase. I want my funds returned,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: PA
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 previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
State: OR
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 was married, went to college during our marriage, my student loans were based on married filing jointly income. My husband died in 2009. We had no assets to cover my student loans and I also lost my home to foreclosure. We lived in XXXX community property law applies including debt. 

Question : Is my deceased husband considered a borrower since his income was used for my student loans? 

Question : I was told by US dept of education that I do not qualify to have the loan forgiven, cancelled or discharged is this true? But it clearly states that if a borrower dies the loan debt will be cancelled or discharged. His income was used to determine my loan which I assume would legally make him a borrower. 

I am In default currently and the only options Ive been given is rehabilitation and income based repayment on the total balance which seems very unfair. He made more income than me and he is deceased and can not help pay the balance it was determined both of our incomes can afford. 

Please help! 

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 explanation
Consumer complaint received 2019-02-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 at XXXX a bank account transfer was initiated by myself to my XXXX XXXX XXXX XXXX   Account ending in XXXX. The estimated date of delivery was XX/XX/2019. As of XX/XX/2019, the amount ( {$540.00} ) was not received in my XXXX XXXX XXXX XXXX. Upon talking to XXXX  Customer Service, they advised the funds were on hold and would not explain why nor when they would be released. I am now claiming theft of {$540.00} by XXXX ( a company of PayPal ) and wish to prosecute accordingly. 

I have asked my local law enforcement to investigate and prosecute XXXX under Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this charge off on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
State: MI
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:
Since XX/XX/2018 I have submitted multiple disputes regarding Global lending service. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
talked with bank on auto loan that was paid off as of XX/XX/2017 but the bank is saying that i still owe on the vehicle, plus showing late payments on credit reports. However i have vehicle title and letter from bank that show that the car is paid in full. I have contacted the bank and all three credit reporting agencies, and have send this proof to the the credit reporting agencies to correct this error. But they are siding with the bank and reuse to remove the negative info. They are still reporting incorrect information and will only listen to the bank while i have sent the info via the credit reporting agency web site or via fax to them. They will not remove it and will not allow me to file another dispute to have them correct this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : IN RESPONSE TO CFPB:XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE  investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

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 Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX-17 XXXX XXXX {$230.00} Didnt receive any notification from of this debt, no phone calls and no notification in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Caliber Home Loans, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caliber Homes Loans ( XXXX XXXX ) is trying to collect on a debt that has been charge off, while debt was still being paid on auto pay, with out having the complete file they claimed was transfer they have start foreclose without sending, breach, acceleration, nothing. 

My mother had credit insurance on the mortgage that was filed in Official Land records of XXXX County. with no corrective or any paperwork to prove there claim that she did not have it. after finding out that a trust ( XXXX XXXX XXXX XXXX  ) is  not an actual bank, but a trust with no documents. refuse to supply information requested. 

Asking for Validation. as the records in the county do not support what they are claiming as investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am looking at my credit report and I see fraudulent addresses that are not mine on my file. I am a victim of fraud and I am current in the process of filing a FTC report. Someone has been using my name and ss.I HAVE NO IDEAL WHY THESE ADDRESSES ARE ON MY FILE PLEASE DELETE THEM ASAP!!! XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My name is XXXX XXXX XXXX MY PLEASE REMOVE ANY VARIATIONS OF MY NAME THEY ARE NOT ACCURATE. 
MY ADDRESS IS XXXX XXXX XXXX XXXX OH 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