BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
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:
XXXX XXXX is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b XXXX XXXX is in violation of 15 USC 1681b Equifax is in violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Capital Link Management, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company ( Capital link Management ) calls and text me constantly, I told them several times I'm not XXXX XXXX the person who owes them money, but they continually harassment with phone calls and text. I don't know what else to do.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: FL
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:
i asked experian to verify items on my credit report as reporting correct. they fail to reply

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 2019-04-23
Company: AES/PHEAA
State: MI
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 am once again emailing you about Fed Loan. In short, it can not add up the correct amounts that I am paying for my loans and keeps telling me that I am behind on payments when I am not. More to the point, it does not count the {$80.00} debited account each month toward my overall total payment. It fixed this issue after I complained to CFPB last year ( see below ). My payment of roughly {$320.00} per month should always be divided between the {$80.00} debited from my account and the remaining money that owe. Fed Loan can not seem to figure this reality out. 


My previous complaint : Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Student loan Issue : Dealing with your lender or servicer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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:
Previously disputed bankruptcy reporting on credit file several times. I sent a validation letter asking for the person that verified information through clerks office but received no response back. I also contacted XXXX XXXX whom a rep by the name XXXX XXXX at (XXXX) XXXX who explained that a bankruptcy was not showing on her end. I also received a letter from XXXX stating the timeframe required that the bankruptcy could not be verified accurately after a re investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: GVA Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe my personal email was hacked on or about XX/XX/2021. I usually recieve about XXXX emails a day, then I received about XXXX. One of the emails was from Bright Lending/XXXX about an effort to collect a debt. I have no outstanding credit issues that would be in collection. I called Bright Lending and told them I have received an email from them in error and I had no debt in collection. They requested my social security number, address and other information that I refused to provide. I asked how to dispute the error and I was directed to their webiste. I disputed the claim. 
On XX/XX/2021, I received an email and attachments from them indicating I owed them {$2700.00}. The attached documents include an what looks like a loan form for {$800.00} at 666 % interest, now due. There is a loan document with my name, address, and cell phone number and with no signature. I responded to the email and indicated I would continue to dispute. I did not enter into any agreement with Bright Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello- I have previously disputed this item with Equifax XXXX We were the victims of XXXX Mortgage servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Please completely remove me as authorized user from the XXXX  XXXX XXXX credit card attached. 

Please completely remove this tradeline from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently had a very frustrating and extremely costly experience with Flagstar Bank. I feel that I am owed compensation totaling {$1800.00} from fraudulent activity on my ATM card. 
On XX/XX/2019, my ATM card was denied when I went to make a purchase so I went to my branch office to see what the problem was. They informed me that there were multiple ATM withdrawals over the last two days wiping out my life savings. They lady at the bank was surprised that Flagstar did not detect all these withdrawals and freeze the card account. I then filled out an affidavit confirming by oath that those eight charges were not mine. 
Instead of receiving a credit for this fraudulent activity, Flagstar bank denied my claim. According to federal law, the burden of proof is on the banking institution not the consumer. I feel they are in federal law violation by not returning my money that was taken from me fraudulently and that they are forcing the burden of proof on me. I have filed a police report with the XXXX XXXX Police Department on XX/XX/2019, case number XXXX. 
I am now demanding that they return in full my {$1800.00} that was fraudulently stolen from me and they should go after the bad people for their money not me.

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 2015-11-22
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Currently I bank with BB & T. I have had multiple issues with this bank. First issue I will like to bring attention to will be their false advertising. BB & T promotes that they are XXXX hours ( XXXX banking ) which is not true because if you deposit cash at the ATM after XXXX then it processes the next day. I complained to them about this because I think its unfair, but they said " its online banking that XXXX hrs ''. If thats the case, then why put it on the signs of BB & T. Also they charged me over draft fees, I did XXXX transactions that over drafted my account and they took XXXX fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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:
I went to car dealership and ask them to run my credit report for one lender, however I have multiple inquiries without my consent. In accordance with FCRA section 611, these companies violated my right to privacy and my consumer rights! 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BMW Financial Services NA, LLC
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with signing the paperwork

Complaint:
On XXXX/XXXX/XXXX, my daughter started an application with SOFI to refinance her private student loans. The rate she was quoted was high, so she listed me as a co-signer to get a lower rate. I received an application to complete as a co-signer. Once completed on line, I expected to see the new rate offered on the loan. However, all I received was a loan agreement to sign stating that I would make payments etc. When I called SOFI and spoke to a random agent, she said I could not see the rates and terms until I signed the loan agreement. She told me what the original rate was that my daughter qualified for on her own, but would n't discuss what the new proposed rates were since I had n't signed the loan agreement ( remember we are still in the application phase of this loan. ) When I refused to sign the loan agreement until I saw the terms, she suggested that I contact my daughter and have her look up the terms. My daughter discussed the terms she received which sounded reasonable so I went ahead and signed the loan agreement. However, I still had no access to the terms. My daughter signed her loan agreement and I received an email on XXXX XXXX, XXXX saying that she had signed the loan documents. I went on line to view the terms and still was not granted access. I called and was connected with a random agent and explained that as a co-signer I had the right to view the terms of the loan. The agent said that my daughter was the primary borrower and I was only there in case of default so I was not entitled to see the loan terms and documents. He suggested that I sign in as my daughter so I could see them. I am a co-signer on the loan, not a guarantor. I believe that banking regulations treat co-signers as co-borrowers and am appalled that I had to sign a commitment to pay without seeing the terms first hand in a document. Even after I signed and requested the loan documents, I was denied access. I realize SOFI is not a bank, and have contacted you to make this a formal complaint. I have had to commit via a loan agreement to a refi of a student loan of just over {$99000.00} without seeing any of the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been receiving phone calls from Discover about paying off my credit card debt. I have told them that I am working with a debt consolidation company to resolve my debt yet I continue to receive calls. They are rude and make very vague threats about this is our last time trying to call before we take further action. They have now began to call my mother, whom I live 700 miles away from and has no involvement in ANY of my finances. They are calling and threatening her now. This is so wildly inappropriate and should not be legal to contact my mother about MY account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
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 belongs to someone else

Complaint:
Fraudulent account with 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 2023-06-06
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern, Your company said I allegedly owe you money. I willPAYunder one condition if you can provide : 1.Validation of the debt -- that is the actual accounting.

2.Verification of a signed Invoice.

3.A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail 'so that there is an independent '' witness to it having been delivered. '' Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a new collection on my report as of XX/XX/2022 for a collection that is already being collected by XXXX XXXX for the same amount from the same creditor. I contacted the credit and also disputed the debt due to duplication and not receiving notifications about the debt in order to dispute it. So far I have not received any communication written, email, or any other type including phone calls regarding the debt. The company without any warning placed a collection on my credit without notifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got an email from them as chase bank And I assumed they are so I called them about my debt and after I gave my social security I realized they were scammer They were impersonating chase bank and being able to pull up my bank account This is the number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
During the pandemic I was late on tow payments on my car loan XX/XX/XXXX andXXXX XXXX due to lack of work and income. It is affecting my credit score and my ability to borrow money. I talked many time to Capital one Auto loan people who would understand my situation and refused to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 2019-08-29
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today XX/XX/2019 I Received a letter from my servicer Specialized Loan Servicing Dated XX/XX/2019. The Letter was in response to an Appeal / Second review of a Previous denied completed application request for a Loan Modification. The second review was submitted on XX/XX/2019 and cc to the CFPB on the same day thru my 3rd Party XXXX XXXX. 
The letter states that on XX/XX/2019 the secondary review was denied and that I am not eligible for any home retention options. 
On XX/XX/2019 at XXXX XXXX my authorized 3rd party XXXX XXXX called in for an update on the file. He spoke to XXXX in customer service who verified the account and put Mr. XXXX on Hold to research the account. XXXX then told Mr. XXXX in order to get an update on the File he would need to be Switched to the Bankruptcy Department. At XXXX XXXX He was switched to a person that Identified as XXXX ID XXXX. 
XXXX reported at first that a document request letter was sent to Ms. XXXX XXXX   Bankruptcy attorney XXXX XXXX. My 3rd party explained that Ms. XXXX has nothing to do with this application as we are Divorced and she does not live with me. 
My 3rd Party went on to say what documents are required and he would get them to her. XXXX said to hold on and would check and see. XXXX then got back on the phone and said she reviewed the notes and no other documents were due at this time and that the file was under review. XXXX went on to say to my 3rd party as to check back next week on or about XX/XX/2019. Based on this conversation on XX/XX/2019 the file is still in review. This contradicts the XX/XX/2019 rejection letter sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2019-04-23
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 belongs to someone else

Complaint:
Fraudulent accounts XXXX XXXX XX/XX/XXXX18 XXXX XX/XX/XXXX18

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Carter-Young, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I notified XXXX  of an invalid account on my credit file. Under federal laws and FCRA guidelines section 609 ; I requested XXXX  to validate/verify the account by the name Carter-Young INC/XXXX. In has now surpassed the 30 day investigation period and I have yet to receive a response. XXXX  is now in violation of FCRA section 609.

Company response to consumer: Closed with explanation