BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 9 accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a Comenity card from XXXX back in XXXX, apparently XXXX stopped using them as creditors for their credit cards. I still had to pay off what I used with Comenity when they were no longer affiliated with XXXX. XX/XX/XXXX I received a statement showing what I owed and that I still had available credit to spend proving that the account was open. I called them to set up payment arrangements to pay it off and told them to close my account. I no longer wanted this card so my next statement XX/XX/XXXX showed that my available credit was XXXX but also showing what I still owed. I have statements from XX/XX/XXXX until XX/XX/XXXX showing that I paid this card off. I kept paying the remaining balance yet they still kept charging me a finance fee and if I didn't pay that Finance fee on the account that was supposed to be closed they would charge me a {$40.00} fee racking up more debt. They refuse to close this account and they keep charging me every month a small Finance fee that's two or three dollars that again, if I don't pay they will rack up a {$40.00} fee every month on that two or three dollars. Mind you the only reason I had this card in the first place was to purchase things from XXXX, this creditor was no longer affiliated with XXXX therefore I no longer needed it so when I paid it off it should have been done with but they continue to send me statements with a new balance every month with finance charges when I have called them over and over again about closing this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am exercising my right to submit a dispute. I have sent this letter via certified mail with tracking and signature required as well so the company can not say they did not receive it. They will have the information 2x.

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 2017-07-11
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My debt has not been properly calculated. My Right to Cure letter is incorrect. The calculated debt is not accurate. XXXX, it 's servicing agents, XXXX and Harmon Law Offices, are in violation as well.

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 2021-09-22
Company: American Collections Enterprise, Inc.
State: MD
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:
On XX/XX/2021 I sent a dispute letter to American Collections ENT to the address that is on my Credit Report from XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, VA XXXX and the Letter came back return to sender.

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 2021-02-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There were unauthorized debits from my account, that were someone else 's account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: AZ
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/19 I RECEIVED A CALL FROM SOMEONE CLAIMING TO BE A LEGAL ASSISTANT FOR CREDIT ACCEPTANCE CORP. THEY ASKED ME TO VERIFY MY NUMBER AND SOCIAL SECURITY NUMBER, AND ADDRESS. THE LADY SAID THAT THERE ISN'T A DEBT IN THERE SYSTEM BUT THERE IS A DEBT ON MY CREDIT REPORT FROM THEM. THE PERSON ON THE PHONE WAS A FEMALE AND SHE SAID THAT SHE WORKED FOR CREDIT ACCEPTANCE. SHE ASKED FOR MY SOCIAL AND I REFUSED TO GIVE IT TO HER. I HAVE A COPY OF MY POLICE REPORT AND CREDIT REPORTS WHERE ITS ON IT. I'M CONFUSED ON WHATS GOING ON AND SOMEONE HAVE OBVIOUSLY STOLE MY INFORMATION OR GOT SOMETHING INCORRECT, THERE IS AN ERROR ON MY REPORT AND I DON'T WANT TO BE HELD ACCOUNTABLE FOR SOMETHING I DIDN'T DO. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I DON'T KNOW WHY THE LADY ASKED FOR MY SOCIAL AND WHY IS IT ON MY CREDIT REPORT. I HAVE WITNESSES OF THE CALL AND SITUATION AND IT IS ON MY CREDIT REPORT ILLEGALLY.THEY SAID THEY WILL BE SENDING A FORM, AN IDENTITY AFFIDAVIT. SOMEONE ALSO REQUESTED CREDIT ACCEPTANCE INQUIRIES ON MY REPORTS.

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 2017-07-11
Company: Navient Solutions, LLC.
State: MO
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 report is for NAVIENT student loan service.They keep attacking my credit after I have been making regular monthly payments.I am pay {$23.00} dollars over my agreed amount and still my balance is increasing.Navient is a fraudulent company and should be shut down.They are fraudulently charging customers interest to increase XXXX XXXX 's bonuses.This man and his staff should all be jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Hipaa wrights has been violated, when a collection agency has access to my private medical files, This private information needs to be remove. 
Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without 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 2019-06-12
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by XXXX XXXX PHH Mortgage Services. I have been attempting to make a payoff payment, but the practices of XXXX and/or PHH Mortgage Services is preventing me from doing so due to : 1 ) The online payoff payment statement functionality is broken, producing an error. There is no way for me to obtain this through the self-serve options online. 
2 ) I called the telephone servicing representative and informed them to send me the payoff payment statement. The representative has no capability to deliver this information directly over the phone ; it is only available via fax and postal mail. I requested the information both via fax and mail, but also experienced issues 3 ) The fax was never received 4 ) I informed the phone representative that the property address they had on file was incorrect due to a misspelling in my street address. That spelling mistake was never corrected. I believe that due to this, I have not and will not receive a payoff statement via mail The practices of these two companies result in continued interest compounding on my mortgage and I have no way to make a payoff payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: M&T BANK CORPORATION
State: NJ
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:
there are two accounts on my report that do not belong to me. 
CREDITOR : M & T BANK ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$6000.00} BUREAUS TO DISPUTE : 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 2022-02-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Today is XX/XX/2022 and this is my fourth time trying to submit this complaint about Experian to your company and each time my complaint has been rejected in your system. I XXXX XXXX XXXX XXXX XXXX is submitting this complaint for myself. I just got off the phone with your representative and your system wouldn't even allow her to submit my complaint by phone. What's really going on. Are you trying to do a stall tactic or what?????? This is not a joke for me. 
I have submitted my complaint to Experian numerous times along with several documentations verifying that I'm a true victim of identity theft and they are refusing to re-investigate my claim of the inaccuracies. erroneous and misleading information on my credit report. I'm a victim of several different companies : XXXX, XXXX, XXXX, Experian, XXXX, and the XXXX sent me a letter notifying me that someone has used my information to gain employment under my social security number. I have sent an XXXX reports and documents to back my claim on numerous occasions regarding my identity being stolen to the credit bureaus so that they could investigate and the have ignored my request and have also refused to investigate. I feel that this is a case of estoppel by silence which is a violation of my rights as a consumer.

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 2017-02-07
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
TD bank did not apply additional principal payments to the principal balance on my loan, they paid the payments going forward. They are unwilling to discuss with me how this happened and how they are going to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was enrolled equifax.com in a credit service since XXXX. I kept it paid yearly and renewed in XXXX, I could not use the service after renewal into XXXX and called to resolve this for a month getting answers it would be resolved. They screwed it up when they added myequifax.com and another account was opened. they seemed to have conflicted and they are not resolving it. i could not log in any longer and they could not fix it. recently they poked me yet again telling me they have no email address for me by a post card and I can not get in touch to get this fixed and do not want to spend another month. I can not log in and when retrieving password it says I do not have an account, but when I fill out all my info it says I do and will not send me anything to get it working. I can not get my credit report or the service with them any longer and wasted money in the past. I need their attention that this has not been resolved and I have spent too much time to beg them to get my account in order. The timeline may be off some, but the problem does exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am under a legal forbearance with the cares act with my mortgage servicer home bridge financial services. My forbearance does not expire until XX/XX/XXXX. However, since the inception of this forbearance in XX/XX/XXXX, I have been receiving harassment collection calls from home bridge demanding payment. The calls come from an automated system and a live person. The calls come in every other day. The latest collection call was today from the phoneXXXX. I complained to management about these collection calls multiple times and homebridge stated they will stop the collection calls. However this morning the collections manager stated that the collection calls need to done every month. While on the call, they ask you if you are occupying the property, if there are any damages to the property and that if we have any intentions to occupy the property. These questions are questions that relate to a foreclosure and not a forbearance. I demanded that these collection calls stop immediately or I will report them to CFPB and the FTC and state attorney office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: IL
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:
Equifax has violated my privacy rights, resulting in inaccuracies being reported on my consumer report. I contacted Equifax and spoke with representatives in effort to resolve issue and have these errors corrected by removal to no avail. Said representatives refused to acknowledge my demand of removal, even with proof by their admittance of a breach in their policy regarding personal data sharing. Instead of meeting my consumer needs of removals, there were additional disputes, inaccuracies and remarks added to my consumer report without my consent, which is further violation of my consumer rights by federal law. I have attached my response letter as well as supporting documentation regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: WELLS FARGO & COMPANY
State: NJ
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:
there are two accounts on my report that do not belong to me. 
CREDITOR : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : WF BANK NA ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$6000.00} BUREAUS TO DISPUTE : 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 2021-09-22
Company: EQUIFAX, 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:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/21, I requested my credit report and complete credit file from TRANSUNION. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. TRANSUNION has refused to send me upon request my complete credit file.

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 2022-02-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I started attending the XXXX XXXX XXXXXXXX in XXXX of XXXX and took approximately XXXX credit hours of instruction towards my Bachelor 's ( Even though I had XXXX credits from previous universities ) and another XXXX credit hours of instruction towards my Masters of Information Systems degree/certificate. I pursued this education option with the expectation that upon completion I'd be able to make enough in salary to comfortably pay back the money borrowed for education. The costs of attending XXXX XXXX XXXXXXXX seemed reasonable but little did I know this loan would balloon in to over {$200000.00} debt and continues to go up even though I have been faithfully making payments on time since XXXX of XXXX. During this time my student loan payment amount has increased from {$530.00} to over {$770.00} a month and is due for another increase in XXXX weeks!!! This is more than I pay in mortgage payments. I was forced to file bankruptcy just to keep a roof over my head. I am filing this complaint as I have recently learned that XXXX XXXX XXXXXXXX and/or Navient loan servicing have been found to have participated in unfair lending practices with these for profit institutions of higher learning even though they never advertised the " for-profit '' portion of their services. My original loan amount of {$66000.00} now has a current balance of {$180000.00}!!! And the account shows another loan with a {$6300.00} original balance that now has a balance of {$13000.00}!!!

Company response to consumer: Closed with explanation