BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: Experian Information Solutions 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:
XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$750.00} XXXX   XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been treated. Horribly by management and lied to numerous times and told I would receive credits that then were never given, in fact made up stories and continuous disrespect and lack of listening have occurred too many times which has all led to where we are now. There is foul play with my account and trying to cover up and make up crazy outcomes despite physical proof and me trying to explain. I'm so disgusted that this is what keeps happening to me and I'm supposed to be protected and taken care of. Instead my bank is stealing and being shady. I want whats only mine and it's been over a year with excised and promises on top of disrespect. I have several claims and XXXX I received a letter for and was suppose to be credited and never was, 8 bankers all seen the same thing but now it's all mixed up. I will be seeking legal service from my lawyer if not handled ASAP cause it's been too long and too much already. To be on the phone for 3 hours then disregarded by a MANAGER nonetheless and then fake transferred is Unacceptable! Thanks

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 monetary relief
Consumer complaint received 2017-09-16
Company: Convergys
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not sure of the exact date but it was about 2 weeks ago. Convergys ( collecting for XXXX ) called my father and after he told them that he was not me they still continued to verify sensitive information like my social security number. I had set up a payment plan but fell behind because they told be that it would n't hit my credit report if I paid ( they told my wife ) something monthly but it did. This company is horrible and I feel my rights were violated because they gave my sensitive information out.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: First Advantage LNS 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:
On XX/XX/2018 creditor ( National Credit Audit Corp ) added a derogatory remark to my XXXX  profile per XXXX XXXX. Upon further research, this account was a transfer/sold and i am no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( National Credit Audit Corp ) has validated my rights as a consumer and I am request legal actions to remove this account IMMEDIATLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, I put a loan payment XXXX check XXXX XXXX XXXX in the drop box ( at their location ). With the payment, as I always do, ( but never get ), I requested my balance, which should only have XXXX more payments remaining. Well I was mailed a receipt a few days later ( post stamped XXXX XX/XX/XXXX ). The receipt did not have my actual balance, but instead said I'd renewed my loan foXXXX XXXX XXXX-which I did not do. Plus, how am I able to renew a loan when I dropped in the night box ( which it states on the receipt under " Check in night '' payment method. Again, I did not renew any loan. 
Additionally, I always paid XXXX XXXX monthly payments, which is more than that what my minimum payment is. However, on this occasion, I paid {XXXX} because I knew it my payments were near the end. However, m they said the principal payment was {XXXX} and the {XXXX}. was late fees. Their fee payment structure is not computing. It's as if they're making amounts up as they go.

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 2018-04-21
Company: EQUIFAX, INC.
State: FL
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:
Inquiries are fraudulent and were not authorized. I continue to dispute them with Equifax who is telling me that they are verified as true and they are neither verified nor true and I want them deleted! Hard inquires are as followed XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/22, I sent Experian a dispute regarding personal information they are furnishing that is not accurate. Experian is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information.

I have notified Experian that they are preparing consumer reports concerning me with inaccurate names and addresses, and that they were reporting an account from an alleged debt collector that I have never done business with and do not have a contract with.

Experian only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Experian did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Experian is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Experian regarding my dispute. 

I did not give Experian permission to furnish this information in any consumer file or consumer report concerning me. 

I also requested full disclosure of the consumer file concerning me in Experian 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. 

I provided Experian with a copy of my ID and a current bill showing my address.

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 2022-04-05
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Made payments on time but reporting late payment

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 recently received a copy of my consumer report XX/XX/2022 and am frustrated to have found so many inaccurate accounts being furnished in errors. Pursuant to 15 USC 1666b, a creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. Congress has noted that XXXX, XXXX and Trans Union is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character and general reputation of consumers. Congress has also made it clear that XXXX, Trans Union and XXXX have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. Per Congress l, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, Trans Union and XXXX acted impartially towards me because you furnished inaccurate information l, defaming my character and reputation, with no proof. Not to mention l, I never gave XXXX, Trans Union and XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b as well 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report so you have no authority to furnish this information. XXXX, XXXX and Trans Union has caused me severe stress and anxiety due to these abusive and unfair practices.

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 2020-10-08
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted a complete financial documents to my lender Specialized loan servicing and they claim they do not accept XX/XX/XXXX/XX/XX/XXXX Tax transcripts that are directly sent from the IRS they claim there is no schedule C on XX/XX/XXXXtaxes however I think they do not know how to actually read the transcripts. If they look on page 4 of XX/XX/XXXX transcripts Schedule C is at the end which they claim it was not submitted

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2019-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the company but to no avail. They have failed to return my calls or emails. 

This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against.

The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I have no idea how these inquiries got onto my report. I was alerted by the  Experian app of inquiries that are not recognized on the report. I do recognize them and i want them off my report.

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 2019-07-02
Company: EQUIFAX, INC.
State: AK
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 submitted two disputes with Equifax about a collection that is on my report from XXXX XXXX in XXXX AK on an account for XXXX XXXX XXXX who works out of the regional hospital. The debt is my daughters and not mine but cornerstone tied me to it anyway. The debt of {$120.00} belongs to my daughter XXXX XXXX. This was also on XXXX but after disputing it and their investigation, XXXX  removed it. XXXX  XXXX told us the bill was paid. XXXX was also covered by XXXX  XXXX XXXX XXXX, but they were never billed in this matter. We have not been able to contact XXXX XXXX as his phone just rings or goes to a fax machine. When we have contacted XXXX we are just told " you owe it you have to pay it ''. Equifax on both disputes came back with " verified by debtor '' who is XXXX. XXXX has a reputation in the community for collecting on debts already paid and Equifax should not just take their word on a debt before posting it to someone's report. This needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: MS
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 sent several letters to XXXX, XXXX  and Equifax to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested mortgage assistance due to ( salary reduction due to COVID impacts ) and completed all required paperwork. The mortgage servicer has continually requested documents that we have already provided even though we have had verbal insurances that all of our documentation was correct. The servicer eventually stopped accepting mortgage payments, although we have continued to submit documents and to get assistance. The mortgage servicer 's rejection of our application was based on erroneous information, or false information ( for instance, the mortgage servicer stated that we did not qualify for a repayment plan because we " did not submit sufficient financial information to determine if our income could support the proposed payment ''. This is not true. We repeatedly all of the information that was requested. Based on these and other errors, we appealed the denial. We were then told to resubmit a request for payment assistance. We would just like to get this resolved, but we feel as though we are getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Reliant Capital Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a letter stating what the debt was, nor that I could dispute it. I was contacted via phone and told they wouldn't do a payment plan with me and I would have to pay in full or get a loan to pay in full which would then just make me be paying a monthly payment to a different company. I was also told if I didn't pay my credit would be hurt from this going to the credit bureaus. This was back in XXXX when first contact was made. I told them I wanted this in writing and I would not talk with them again unless my mother is on the line with me or I get a lawyer once I can afford representation. They continue to call me almost everyday to try and collect the debt. Still no letter has been sent after 3 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have an extended warranty o. XXXX XXXX XXXX and XXXX took the warranty claim my request aND NEVER LOOKED AT IT I TALKEC TO XXXX XXXX XXXX IN WARRANTY AND THEY ADMITTED XXXX NEVER LOOKED AT REQUEST FOR WARRANTY REIMBURSEMENT AND THEY STUCK IT IN A FILE LIKE IT NVER EXisted!!!!!!!! Well it does exist I gave XXXX mile warranty on my car and they acted like this claim never existed! XXXX told me fly wheel resurfacing was covered under mbwarranty snd XXXX told me XXXX documented its not covered!!!! Guess what??????? XXXX csm document anything he wants but he told me its covered!!!!!!!!! 
XXXX warranty is a joke Im reporting to XXXX consumer protection bureau XXXX and everyone else snd applying for refund!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi - I got a hard inquiry on my TransUnion credit report dated : XXXX XXXX, XXXX. This inquiry is in error. The inquiry looks like it is from XXXX XXXX. After researching a bit, I found out that this is a commonly occurring entry on people 's credit scores without them requesting it. My XXXX XXXX took a hit by XXXX points because of this. I tried calling TransUnion but I only got to a customer service representative once and did not receive any help. I would really appreciate any help I can get in this matter. 

Thank you! 

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 2017-10-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I fell behind on my Navient school loans and have made several calls/attempts to try to get on an affordable repayment plan. I have been told based on my family size and income that i can afford ( x ) dollars and it just is n't feasible. I have asked on several different occasions to work in another type of repayment plan and have been told that due to my income and family size this is what a piece of paper that the person on the other end is looking at is what i am able to afford. That is not the case at all. I would like some guidance as they have been submitting to the credit bureau my shortcoming of payments and its is personally affecting my credit score and opportunities for future purchases.

Company response to consumer: Closed with explanation