BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: AES/PHEAA
State: OH
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:
I received notice to recertify my IDR plan on XX/XX/XXXX. My account has been on deferment for the past 2 years because of high repayment amounts. On XX/XX/XXXX I received notice of denial for my request for lower payments as my account had not entered repayment status as my deferment was not set to end until XX/XX/XXXX. I was told to resubmit the application which I did in XX/XX/XXXX. On XX/XX/XXXX, ( yes, 2 months later! ) I received another denial for my request for lower payments because I marked one box wrong on the application. I was again told to resubmit my application which I did immediately. I also had to apply for a forbearance because FedLoan sent me a bill for a standard repayment of almost {$600.00} due the beginning of XX/XX/XXXX, so I was granted a one month forbearance. In late XX/XX/XXXX, my application that I resubmitted on XX/XX/XXXX had still not been reviewed and I received yet another standard repayment bill due beginning of XX/XX/XXXX. I called FedLoan on  XX/XX/XXXX and was informed that they did not know why it was taking so long to review my application but that they would apply another forbearance until XX/XX/XXXX. On XX/XX/XXXX I received yet another denial for my application for request for lower payments because my account has not entered repayment! I am so sick of this back and forth! All I want to do is have my application reviewed and approved in a timely manner so that I do not have to keep requesting forbearance which then automatically denies my application since my account is not in repayment! This leads to me having to do the whole application process all over again! And for what reason! I am not at fault here! I do not understand why this company takes up to 2 months to review an IDR application! That is ridiculous and affects the consumers in a severely negative way! I have no idea what to do here but I need help to get this situation resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Please remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you in order to solidify my complaint. 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 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 2019-11-16
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First, let me give background. I am unsure of the debt and why there is an attempt to collect. I previously received information from XXXX XXXX XXXX, who provided the attached letter about the inability to validate.

I want the initial communication from ERC, required under 809 ( a ) of the Fair Debt Collection Practices Act, to dispute the debt and request validation of this supposed, as a previous collection agency tried to do so and had to send that letter. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute, not from whatever day ERC claims to have mailed it. I have not received the information, regardless of when it was mailed out, and it is on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I gave an online love interest my personal information including my social security number, my birthdate, family information including security questions, and address. I'm going to be receiving S.S.D.I benefits starting XX/XX/2021 and am concerned about it's security with this person who has my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Sending mail and emails about sueing me for not paying a debt I dont even have with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received the evidence ( s ) { attached dated XX/XX/XXXX  no letter just " papers '' no explanation simply vague production along with that final line on page two ( 2 ) and the contradicting statements made all over that page including Account History [ up to ] XXXX - but wait the next payment date is XX/XX/XXXX  there is a whole lot is unaccounted for therein } necessary to the proving of my allegations, alleged for some period of time now, against Bank of America [ BAC ] related to improper servicing, misapplication of funds, misrepresentations of terms, I will be mailing the first three ( 3 ) pages [ my response ] dated XX/XX/ ( of NEVER AGAIN 's ) out by postage prepaid 1st class US Mail on the XXXX of XXXX. The company has asserted in the ongoing complaint XXXX that " it needs more time '' or that " it's response is in progress ''. Again I represent and assert that is absurd the company is acting and has acted in Bad Faith in each and every instance I have alleged, and the proof has now been procured and is so attached hereto.

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 2023-08-16
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: TN
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:
They closed my account with all my money in it and they act like they cant give me my money it was like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit report I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on a payment. This account XXXX account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX however Equifax and XXXX states XXXX was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting. 

UPDATE TO PAID ON TIME NEVER LATE OR REMOVE ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my Experian and XXXX  credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.

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 2023-11-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report.

This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Company : XXXX Account # XXXX Violation XXXX Uploaded original contract from XXXX that verified my terms, they refused to delete the inaccuracy. 

Violation XXXX Last reported does not match XXXX say XXXX & Experian says XXXX Violation XXXX Date last active XXXX says XXXX & Experian says XXXX I have proof of all the errors. 

Per IdentityQ a trusted source for all XXXX credit bureaus I have blacked out certain items because these credit companies will copy and paste from my investigation rather than doing their job in investigations and fulfilling the law of consumer reporting I even reached out to the Attorney General concerning this matter of unethical consumer practices with legitimate factual reporting of errors of this account. 

XXXX has deleted this account due to the inaccuracies.

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 2023-08-15
Company: EQUIFAX, 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 sent a letter on multiple occasions to XXXX, Equifax, and XXXX. Here is my tracking number. It has been over 30 days and the credit reporting agencies have failed to send my investivation back. This isnt making any Sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
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:
I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) XXXX is reporting a closed collection account as open and XXXX is reporting a closed collection account as open and the status as 120 days late 5. ) In the month of XXXX, my credit report showed that the balanced owed changed from {$500.00} to {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Without being notified my regular payment of only XXXX that Ive been paying for the past year has gone up to XXXX. I called all of my insurances and even verified that my escrow was paid in full before the end of the year. My mortgage was sold twice and the second time they had to input information in wrong. I called them and they were just as confused. They sent my case to the escalation team and they never got back with me. I need help.

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 2023-03-14
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-14
Company: Physicians & Dentists Credit Bureau
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous disputes to this company with no response. So I sent them a cerified mail with a return receipt to the address listed on the credit report. It was returned undeliverable. 

1. The company never notified me in writing about this debt or gave me a chance to dispute/validate before it reported on my credit.

2. The address listed on the credit report is clearly not accurate, which is illegal under the Fair Credit Reporting Act.

3. This is clearly inaccurate and negatively affecting my credit unnecessarily. 

This needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
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:
I purchased a used car ( my first car ), I was scammed. The vehicle broke down on me and the company I brought it from wasn't trying to help at all. I was charged XXXX for a used XXXX XXXX with XXXX miles on it. I had no clue about buying cars. I kept trying to refinance and no one not even credit acceptance would refinance. The car ended up breaking completely down. I willingly told them to come get the car, after I had already paid it down to about XXXX. They took the car and resold it for ( how much I don't know ) but they never took that balance off my loan. This was in XXXX. Here we are in XXXX and this company is still falsely reporting to the credit bureau that I'm missing payments. They closed the loan every time I call and have my lawyer call and then reopen it and say I'm missed a payment constantly damaging my credit. They have been doing this for years. It has to stop. I never agreed to another payment against after I have the vehicle back and they are constantly reporting false information to the credit bureau.

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 2023-08-14
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:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX XXXX XXXX and also reached out to Equifax about my concerns about the following account which is XXXX XXXX XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX 's fraud bills caused my husband 's XXXX XXXXXXXX XXXX. He is useless person. A life has been destroyed by greed? our gov't can't do anything about it!!!?? They all say they don't have teeth what's point? reminds me famous saying - When united states system fails XXXX ( XXXX ) will be there!. 
I paid my final bills with proof XXXX but XXXX still kept generating bills, send collection agency. I called collection agency demanded their business licences and insurance info they refuse to do so. Every phone company records the conversation, NSA does, so does the XXXX. How a poor person can get justice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They are over 100 's of Soft Inquiries made by EXPERIAN.

Someone accessed my credit file without authorization.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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