BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: GA
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 accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An accordance with the fair credit reporting act. ( XXXX XXXX ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter on XX/XX/2020 but there was still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-02-28
Company: STATE FARM BANK, FSB
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in XX/XX/XXXX we refinanced our morgage from the 22years we would have had left of a 30 year morgage to a 15 year morgage and we went from 8.5 % interest to 5.5 % interest. the payoff or maturity date was XX/XX/XXXX to be paid off. this morgage is through state farm bank. XXXX XXXX  XXXX XXXX   , nj,XXXX  there phone number isXXXX XXXX XXXX XXXX. In XX/XX/XXXX we filled out an application for a loan modification but when we got the papers we decided we didnt want to mess with our morgage so we never sign them or had them notorized. I still have all the paper work they sent us not signed. but state farm went ahead and did something that added 2 years to the end of our loan. now there saying the maturity date is XX/XX/XXXX, so the added 2 years to the turm of my loan which is going to cost us almost {$30000.00} dollars. we never got any money from them for nothing. in XX/XX/XXXX we got a 2nd morgage through XXXX XXXX for XXXX to do stuff to house. i keep writing and calling and faxing with state farm and they never give me what im asking for. like i wanted our payment history going back too XX/XX/XXXX and they send me it from XX/XX/XXXX. XX/XX/XXXX they sent me a letter saying there not fixing it. a statefarm bank lady told me to go to my county taxes and get a copy of deed and if its not on there it didnt happen.well i have the deed paperwork and theres no loan mod in XX/XX/XXXX on it anywhere. please help me with this or guide me to someone that can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.

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 2019-02-28
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is reporting that I currently owe them {$1600.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: BAM Management US Holdings Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Early XX/XX/2021 Binance.US locked my account to the point where I was unable to withdraw, deposit or otherwise trade any of the money in my account, a total of {$4000.00}. We are now at the end of the month and after MULTIPLE attempts at contacting the company via their " ticket '' system, I have yet to hear anything from them and my account REMAINS completely frozen. They are in possession of MY MONEY and will not allow me access at all. THIS HAS TO BE ILLEGAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing is reporting that I currently owe them {$1100.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. 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 explanation
Consumer complaint received 2018-12-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I cancelled my service w/ XXXX. I returned the equipment at one of their drop off facilities in Nevada. 
I paid my final balance on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from a collection agency stating I owed {$120.00}. 
On XX/XX/XXXX I contacted the collections agency called I.C. Systems & informed them I haven't received any calls or emails from XXXX about the false charges. 
I was informed by collection agency to contact XXXX directly to resolve the false charges. 
I contacted XXXX on XX/XX/XXXX & spoke w/ customer service representative who informed me that she saw the equipment was turned in but the drop off location did not properly process. She transferred me to the XXXX Collections Dept. 
The Collections Dept of XXXX rep told me that I would have to call back in one hour because the system was down But did tell me that it shows I didn't return the equipment.

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 2019-10-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PHOENIX RECOVERY GROUP out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has falsely claimed that I owe a debt in which I did not accrue. Additionally they have reported to the 3 credit bureaus that I have missed late payments with them. This fraudulent claim has dropped my score from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX  XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX  XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX  XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES 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 US BKPT CT  GA XXXX CHAPTER XXXX REF # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/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 2020-05-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a private student loan through Navient ( Salle Mae ) in 2008 to pay for XXXX  school at XXXX XXXX XXXX XXXX ( sit for the CA State Bar ). I was fraudulently admitted to XXXX XXXX XXXX XXXX ( I lacked XXXX  credits at the time ), paid for four years of school and the school was closed due to the improprieties of the dean. I initially sought counsel, but was told I shouldn't throw good money after bad because I would never collect from the Dean. The units are worthless as I have not been able to transfer any units, so I have been paying on this loan for years for nothing. At one point, I had trouble paying my loan and Navient forced me into a forbearance, which added another $ XXXX or so to my loan. shortly before Covid broke, I reached out to Navient in attempt to resolve my issues. Basically, they gave me the XXXX. I was furloughed due to Covid and they REFUSED to modify my loan in any fashion. The only student loans XXXX XXXX XXXX XXXX offered were private loans. I wish I had known then what I know now. Private student loans seem to be the only financial service where there is no risk for the lender. Navient must be run by a group of lackeys that can't hack it in the real world, while collecting millions in compensation. I am not aware of any financial institution where the lender will not work with the consumer, especially in unique cases of fraud, job loss, etc. I have an Amicus Curiae letter drafted that will be circulated to the XXXX XXXX in your pending lawsuit against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions 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 am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.

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 2021-05-03
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This has been going on so long I can not remember the exact date it started. I have tried writing the company and calling them. I can not get a response regardless of what number XXXX use to call or address I use to write them. When I make my monthly payment the recording always states I owe more than my payment. This is having an affect on my credit rating. Out of frustration and desperation I finally paid the amount they said was due but it did nothing for me. This month the same thing happened again. I have requested a hard copy of all my payments and can not get them to send one. I want a hard copy that shows how, when and why they keep coming up with their amount due. They do not cooperate at all or respond. I know for certain this was going on as far back and probably further back as XXXX of 2020. Can you please help me out of this mess? I am XXXX XXXX XXXX and feel they are taking advantage of me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently sent a letter to Ad Astra Recovery Services requesting they provide me with physical validation regarding all account history information Ad Astra conferred to any credit bureaus for me. This was a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 { b } that their claim is disputed and validation is requested. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Yesterday I received a response letter in the mail from Ad Astra, saying that they " examined '' the account file with their " client '' and determined that the facts in reference to the debt are consistent with information provided by their " client ''. 
They then asked me to send THEM supporting documentation concerning the dispute, however did not provide any actual verification of validation. I contacted the credit bureaus today, who also confirmed that no validation of the debt was sent to them either. Since no validation was provided, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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 fraud alerts or security freezes

Complaint:
TransUnion is currently leaking credit reports that are supposed to be frozen. If an credit report is frozen, fraudulent actors can still obtain a copy of your credit report. This is an explicit violation of the law. 

I have hard evidence to prove this if necessary. 

TransUnion mostly dodged my inquiries - either their system is inaccurate or they lied and said they never received a credit inquiry, despite hard evidence to the contrary.

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 2021-05-03
Company: CCS Financial Services, 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: Account status incorrect

Complaint:
This debt was settled with XXXX XXXX yet Credit Collection Service is reporting the account as adverse and that there is a balance owed. 

Be advised a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: NC
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. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have had issues with this company since it acquired my mortgage from XXXX. I have finally been able to find a company to refinance my mortgage with a better interest rate than I had with Rushmore Loan Management.

Through the process, I requested two payoff letters that were faxed to my loan officer within three business days after the request. The second payoff letter was requested through the date of XX/XX/XXXX. My new loan actually closed on XX/XX/XXXX. According to at least one customer service rep, a new payoff letter was requested by the title company on XX/XX/XXXX. I was told that a payoff amount {$110000.00} as of XX/XX/XXXX was faxed to my loan officer. Per  my loan officer at XXXX, that fax was not received until XX/XX/XXXX. The amount of the payment to close the loan was electronically delivered on XX/XX/XXXX was {$110000.00}. That amount was taken from the payoff date through XX/XX/XXXX. I was told my loan was not paid off and closed without the {$78.00} shortage being paid ... in addition to a charge of {$19.00} per day that it was not paid in full. I have multiple email contact, phone calls, and text messages with my loan officer at XXXX XXXX as well as emails with XXXX XXXX XXXX. 

I disagree that I am required to pay interest on the {$78.00} when my request for payoff was dated XX/XX/XXXX. The payoff letter states " It states that if the " funds received on or after date will be charged an additional {$19.00} per day. '' My loan closed XX/XX/XXXX and a new final amount request was made on XX/XX/XXXX in order to process the electronic payment. Rushmore did not know the loan would close earlier, so how could the interest start on XX/XX/XXXX?

Company response to consumer: Closed with explanation