BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: AES/PHEAA
State: PA
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 graduated from XXXX on XX/XX/2019. I was supposed to be in a 6 month grace period until payments start. I am also a transfer student and begin XXXX College for more than 1/2 time on XX/XX/19. Unfortunately, FedLoan ignored the grace period and has been harassing me since I graduated and demanded payments begin on XX/XX/2019. My mom, XXXX XXXX SS # XXXX, also has a ParentPlus loan with FedLoan and she is having the same issue so I am filing this complaint for both of us. 

I have updated my " transfer '' status numerous times beginning on XX/XX/2019 only to receive the following response : " Thank you for using the school/grace update feature! 
Generally, we receive weekly updates from your school automatically, but it may take some time for your in-school status to be confirmed. This update can happen before you start school or in some situations not until you've already started your new classes. 
If we don't hear from your school closer to your class start date, we will follow up with you to provide next steps if needed. '' I have also followed up with an email explaining my situation ; however, I have never received a reply to my emails to customer service : " XXXX Thank you for contacting us! 
We received your School Enrollment Status question, and will get back to you as soon as possible.In the meantime you can review your account details through Account Access. '' My credit report has been affected. Bottom line, regardless of my school notifying FedLoan, I was  supposed to be in a 6 month grace period and FedLoan completely disregarded. Not to mention, XXXX has notified FedLoan that I  transferred to XXXX and will begin school on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: SYNCHRONY FINANCIAL
State: RI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020 I called on : XX/XX/2020 Synchrony Bank XXXX  sent me an e-mail stating that changes were made that effects my credit score.

Synchrony told the credit bureau my usage went up % 66 and they dropped my available credit from {$2500.00} to {$250.00} I did not cause this. My synchrony/care credit card hasn't been used since XXXX 2020. 
How is this possible since it hasn't been used. 

I called Synchrony and they refused to correct the problem they created

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice XXXX paid in full never late agreed to removal from all 3 credit bureaus.

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 2019-02-25
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Sir/Madam The following companies bellow, have respectively put a collection notice for two different amounts on XXXX XXXX dated the XX/XX/2019 Claiming I owe this debt that I have no recollection, nor any business transaction with said companies. If this was an old dept that was from years ago, I would like to know why now? why does it show up on my credit report a week ago without any notice. I am in the process of buying a house and now my credit is damaged, down by 27 points due to this unexpected reporting. These two companies have to show proof of contract with my signature, that prove I have any direct transaction with them respectively. I never received any communications with them via mail nor have I received any phone calls discussing any old dept. To your knowledge there has never been any correspondence from original creditor nor these collection agencies, that show in writing any amounts due. This is the first time I see these collections that showed up in my records last week. I need these two companies out of my record as they have in my opinion broke some state laws or statutes. 

Her are the two companies in question. 
Creditor Information *Creditor Information CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Collection amount {$1200.00} *Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Collection amount {$580.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Wednesday XX/XX/2019, my Bank of America checkings account a was closed due to someone sending me a fake check. I didnt know it was fake and I deposited it to my bank. I tried to explain to Bank of America that I didnt know it was fake. I was looking for a babysitting job on XXXX and this lady messaged me telling me she wanted to hire me and I would need to deposit the check in and then I can deduct my paycheck and use the rest of the money for their new house. I would really like to get my checkings account back because now I cant open any checkings account at any bank because of this. Thank you so much!

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 2019-08-15
Company: First Associates Loan Servicing LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice that the company purchased the account and turned it over for collection. The letter states that the the last payment was made on XX/XX/2006. There is no judgment against me for this. The statute of limitations has run out. They have had 13 years to contact me and this letter does not seem legitimate. I do not recognize the original creditor. Contacted them requesting original documentation, but the verification process required me to provide them with information they do not have. The verification process was odd. I called them with an attorney present and they kept putting us on hold to speak privately. They refused to send the documentation unless I provided them with an email address and my current phone number. I believe by contacting me at this time the new company is attempting to " re-age '' the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: ENCORE CAPITAL GROUP 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:
On XXXX XXXX, 2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX did not delete as requested and just updated the accounts for Midland Funding. As relevant proof I disputed these Midland Funding accounts with XXXX, since XXXX had a different name reporting along with my other personal information, as a result XXXX deleted the erroneous Midland Funding accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BARCLAYS BANK DELAWARE
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on BRCLYSBANKDE ( Account # XXXX Balance : {$0.00} Date opened : XX/XX/2015 ). Also, I tried to reach out to the Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2017-12-16
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 information incorrect

Complaint:
This Two Credit Report Agency XXXX and Equifax, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.

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 2022-10-25
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was never informed of this medical debt and I would like it removed. I have contacted the company to try and figure out exactly what it is, but they cant seem to tell me exactly what this bill relates to. The debt is for {$410.00}, please help me get this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started with this bank roughly two months ago. I used it for a couple of days, then a few weeks later, I was unable to access my account. I called the company, informed them about the problem. I was then transferred to the fraud department, and verified my information. The representative was rude, and told me that I had to go in with my Identification card to a local branch to resolve the issue. As told, I went to the branch, sat down with a manager, and he spoke with the fraud department and I as well, account was cleared. I was able to access my account for about twenty minutes, until I received the same error as before, " invalid login ''. I contacted the fraud department again, plead to them that I already went through the process of verification with the fraud department. I told them I run a business, I was told I could n't use the account for commercial use. In order for me to reactivate my account, I will have to be investigated by the fraud department. I transferred money from an external account as well as used, XXXX, for my clients. They indicated it as FRAUD. There is no fraud on my account. The claim was submitted on X/XX/17, and I was told that an investigator will contact me regarding the freeze/hold on my account within 48 hours. NO ONE HAS CALLED YET! I called them twice, spoke to customer service department, transferred to the Fraud department and get hung up on. Holds up to thirty minutes. Just not fair. It has been almost two weeks with no contact, and a lot of my funds are in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly ( 120 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages 6, 7, and 8 of the attached credit report. ) This account has been paid in full since XXXX, 2019 and should not be reporting on my credit report. This account has been closed. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt was written off by XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Absolutely no attempts to collect this debt have been made by company since then. In XX/XX/XXXX company mailed a XXXX Cancellation of Debt to me which I did not receive until approximately XX/XX/XXXX, to late for me to include it on my XXXX tax forms, because they mailed it to the wrong address. Company discharged debt in the amount of {$1000.00} but have continued to report on a monthly basis a " Not Paid '' amount to credit reporting agencies in the amount of {$1800.00} ( I believe the discrepancy is their fees and interest ). I have been forced to pay hundreds of dollars in taxes and fees on this amount because they didn't provide the required tax documents to me in a timely basis and because they failed to attempt collection for more than 36 months this XXXX should have been issued for XX/XX/XXXX not XX/XX/XXXX.  Furthermore, because of the XXXX XXXX XXXX for their decision to no longer pursue collection of this debt the " Failure to Pay '' code should have ended at the very least in XX/XX/XXXX if not the actual 36 month period of XX/XX/XXXX. As a consumer it is extremely inequitable that the company gets all the benefits of their tax write offs and to basically do whatever they want while I am forced to claim this as additional income and pay taxes on it while still being expected to pay the debt and placed in a position to pay thousands of dollars extra for my mortgage loan and car loans and substantially effect every aspect of my life by continuing to report this on my credit. I have disputed this multiple times with the credit reporting agencies along with a copy of the XXXX and always get the same answer that the debt is " confirmed ''. And still every single month the amount of {$1800.00} is reported monthly as not paid driving my credit score down. It wasn't doing this until I filed a complaint with the credit agencies, now I feel almost like i'm being retaliated against for filing a complaint they are making sure my credit score goes down every month because of a derogatory payment report. These are unfair credit reporting practices that benefit the business at the extreme detriment of the consumer. Their issuance of the XXXX cancels the debt, that should have been the end of credit reporting.

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 2019-08-15
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:
XXXX  and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages 6, 7, and 8 of the attached credit report. ) This account has been paid in full since XX/XX/2019 and should not be reporting on my credit report. This account has been closed. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score.

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 2019-08-15
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 Quicken Loans called me to refinance my existing mortgage with them. The words " refinance '' or " we need to re-run your credit '' were never said. I advised them that I didn't want to run my credit report again, but the representative, XXXX said that she already did. I asked to speak with a manager, which I did, but he can't " un-run '' my credit report. They continued to try to sell me their " product ''. I feel personally violated by this gimmick.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. TELECOM SELF-REPORTED XXXX, UTILITY SELF-REPORTED XXXX, TELECOM SELF-REPORTED XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXT XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX-XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, ( Original Creditor : 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 explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation