BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: ACS Education Services
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: Account information incorrect

Complaint:
I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period.

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: SYNCHRONY FINANCIAL
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX credit report. I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XX/XX/XXXX Synchrony Financial XXXX XXXX XXXX XXXX OH XX/XX/XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX Last 4 of SS # - 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 2017-11-29
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. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: MN
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 Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on  September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] Type of Business Date of inquiry XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Travel/Entertainment   XX/XX/XXXX XXXX XXXX XXXX XXXX Equipment Rentals/Leasing XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX  XXXX XXXX Truck Dealers XX/XX/XXXX Experian XXXX Leasing and Rental Reseller XX/XX/XXXX Experian XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXX XXXX Truck Dealers XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  Credit Report Brokers   XX/XX/XXXX Experian XXXX XXXX XXXX Truck Dealers   XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Miscellaneous XX/XX/XXXX XXXX   XXXX XXXX  XXXX Tenant Screeners XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/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 2019-09-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I Submitted a claim to the CFPB on XX/XX/XXXX stating that " XXXX XXXX XXXX is reporting that on XX/XX/XXXX & XX/XX/XXXX I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response. " XXXX XXXX XXXX responding saying that I went to XXXX XXXX XXXX to apply for a car loan. This is not true! I would like for XXXX XXXX XXXX to show my signed application on file to confirm that I indeed apply for credit and indeed did authorize an inquiry to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XXXX, XXXX attempts to validate this debt have been made, company refuses to validate

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 2017-11-24
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 disputed this charge before with XXXX XXXX XXXX and it was removed years ago. They tried to charge me an erroneous shipping charge on items that were returned and shipped with incorrect sizes. It now has suddenly shown up as a collection on my credit 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 2023-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
my name is XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX living breath XXXX born in the XXXX XXXX there fore I am afforded all of the rights put in place by our governmrnt and gaurenteed by my citizenship This Complaint is NOT A DUPLICATE I repeat THIS COMPLAINT IS NOT A DUPLICATE.In order for a complaint to br duplicated there would have to have been a finding of XXXX a proper investigation would have had to be don for wich neither has taken place .It is my legal right to ask for evidence used against me wich i have done so on numerous occasions, but my request for evidence has been repeadetly ignored wich is a violation of my rights by USSA , and the credit bureas XXXX. 
XXXX*My credit report shows 2 late payments more than days late ****MY COMPLAINT IS THE DATA FURNISHER IS REQUIRED BY LAW TO PROVIDE ME EVIDECE OF AN INVESTIGATION AND IF THE CFPB WILL LOOK BACK THE WILL FINT THATS I HAVE BUT NOTHING HAS EVER BEEN FROVIDED IF THE CFPB LOOKS BACK I HAVE ASKED FOR EITHER THE APPLICATION WHERE I APPLIED TO BE JOINT ON THIS ACCOUNT OR AUDIO WHERE I VOCALLY REQUESTED TO BE JOINT, AND HAVE NEVER BEEN PROVIDED .i WAS ASKED VIA A VOICE MAIL MBY A MEMBER OF USSA SUPPORT TO CALL THEM I DID SO OM 3 SEPERATE OCCASIONS AND LEFT VOICEMAILS BUT NO FURTHER CORRISPONDANCE CAME FROM MY ACTIONS cfpb I AM AWARE OF MY RIGHTS AND THER HAS BEEN CLEAR UNDEBATABLE VIOLATIONS MADE TO MY RIGHTS BY USAA. 
CFPB ALLOWING THIS FILE TO REMAIN ON MY CREDIT REPORT FURTHER VIOLATES MY RIGHTS, AS I WAS EXHAUSTED ALL TIME AND ACTION REQUIREMENTS ASKED OF MYSELF THE CONSUMER TO BE IN THE CLEAR TO REQUEST THE REMOVAL. i ASK THAT YOU ASK THEM TO REMOVE THIS FILE IMMEDIATLY AND I WOULD BE MUCH ABLIDGED IF YOU WOULD SEE FIT T GRANT MYSELF THE CONSUMER A MONATARY PAYMENT PER VIOLATION AS STATED IN THE FCRA BEING THE ELONGATED DAMAGE AND REJECTION THIS FILE ALONE HAS COST ME .THANK YOU IN ADVANCE SO JUST SO WE ARE ALL OF THE SAME PAGE cFPB A FAIR RESALOUTION IS THAT USAA EITHER PRODUCE A COPY OF MY APPLICATIN FOR JOINT ( THEY ( CREDITORS ) DO NOT JUST GO AND MAKE RANDOM OR EVEN REQUESTED PEOPLE JOINT MEMBERSHIP TO AN ACCOUNT FITH OUT FIRST APPLYING. THEY EITHER PRODUCE A COPY OF MY APP WITH MY SIGNATURE OR AUDIO OF ME VERBALLY APPLYING OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT PER MY RIGHTS GRANTED IN THE FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I Submitted to the CFPB on XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX is reporting that on XX/XX/XXXX I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response. '' XXXX XXXX XXXX XXXX responded on XX/XX/XXXX stating that " We received a dispute from this consumer on XX/XX/XXXX. That is why the consumer has not received the response yet. This consumer submitted an application XX/XX/XXXX through XXXX XXXX XXXX of XXXX to finance the purchase of a XXXX XXXX XXXX. Upon receipt of the credit application, we had a permissible purpose pursuant to the FCRA to obtain and review a credit report to make a credit decision. The credit application was declined. Based on public records, the consumer lived at the address on the credit application. Attached is a screen shot of the application received from the dealership. If the consumer, in fact, did not apply for financing with the dealership and believes she is a victim of identity theft, she may send me a fraud affidavit and police report to XXXX. If she did, then the credit inquiry is valid and should not be removed. '' However, the screen shot that was attached was not an application filled out by me. it was intact a screenshot of a software that I do not recognize. The company does not have my signed and dated credit application on file because I did not provide written consent to XXXX XXXX XXXX of XXXX or another firm to run my credit on XX/XX/XXXX. This is not identity theft as suggested my the company, this is simply a case where a representative ran my credit without my written prior authorization or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
6 attempts in writing as well as notarized letters have been made to Simon Agency to provide validation for items that they are reporting on my credit report. This has been going on since XXXX. The Simon Agency has ignored my requests for validation and continue to report incorrect and false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Carvana Group, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
CARVANA is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Travel/Entertainment   XX/XX/XXXX TransUnion  XXXX XXXX XXXX Equipment Rentals/Leasing  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX Truck Dealers XX/XX/XXXX XXXX   XXXX Leasing and Rental Reseller XX/XX/XXXX XXXX   XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Truck Dealers XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  Auto Financing XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Credit Report Brokers   XX/XX/XXXX XXXX  XXXX XXXX XXXX Truck Dealers   XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Tenant Screeners XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Capital Benefit, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Capital Benefit try to foreclosure on me and charge me late and other charge and I do not know what kind of charge is that? Please request them to spell out what is other due?? why the late charges is so high, Capital Benefit try to rip off consumer and try to foreclosure their customer illegal. Please stop them to help the consumer. I need to know what is Other due for {$3400.00}. You charges customer so much money and you can not say that you don't know what is that for. I need to hear from you asap. What is include in {$11000.00} on your NOD?? I need the detail for this charges. 
Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Reporting company used your report improperly

Complaint:
Equifax just announced a leak of personal information. Upon checking on their website https : //www.equifaxsecurity2017.com/XXXX, Equifax stated that I may have been impacted in this incident. I am worried that my identity will be stolen, & my quality of life ( of hopefully 60+ years ) will worsen and become intolerable as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regards to the complaint # XXXX submitted on XX/XX/2019. So far I havent heard from anyone regarding the complaint however I have been receiving calls to pay the the total amount of $ XXXX/- And the calls are more like threatening and harassing because they keep on saying that theyll seize my account and block the social security. Is that the right way of communication? This is ridiculous. I submitted a complaint because I need your help in resolving this issue. But it seems that u havent been of any help in removing the unnecessary charges that were imposed on me without any notification. Id like to remind u that Id really be grateful if u could resolve this issue at the earliest. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Back in XX/XX/XXXX, my wife and I were struggling to pay our two student loans and I contacted AES to find out what can be done. I was contacted by an agent that told me our best bet was to consolidate our loans. Based on his advice, we did, only to find out that it effectively made our situation much worse. XXXX is the servicer of our consolidation loan, which currently sits at 7 % and despite several attempts to reduce this percentage, we were told we were given one chance but a late payment took that opportunity away. Additionally, by consolidating, I took away my qualification for Public Service Loan forgiveness program ( I have worked in XXXX XXXX in XXXX since XX/XX/XXXX ). This was NEVER disclosed to me during the sales pitch to consolidate our loans. It has now been over TWENTY FIVE YEARS since I first started paying on my student loans and over 12 since we were talked into consolidating - and our principal has actually gone UP significantly since the consolidation. I want answers and I want retribution for all the money we have paid into our loans without seeing any reduction of our principal balance. 
XXXX and its representatives ( and I blame AES services too ) misled us and we have been paying for it - literally - ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: URS Holding, LLC
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
I graduated from XXXX XXXX XXXX in XXXX on XXXX 2014 as a XXXX. In order for me to attend that school, they helped me to obtain XXXX student loans, XXXX for about {$20000.00} backed by the Federal Student loan and the other for {$8100.00} from another lender. Six months after my graduation I was to start repaying the loans, which I did with some of my savings, money from the XXXX XXXX, one weekend a month, and my father help. I made payments for about six to seven months but without a job I could not continue doing so. I applied for " a Forbearance '' form both loans and it was granted to me by the Federal Student Loan right away but the other loan refused to give me a Forbearance and decided instead to refer my Loan to a collection agency, the name of the agency is Enterprise Recovery Systems. I am finally working as a XXXX XXXX and I contacted the XXXX Student Loans organization to start repaying those Loans. In the mean time, the Collection Agency is adding about XXXX % to the XXXX loan, the original amount was {$8100.00} now the balance is {$10000.00}, Documents attached. Is this something that is allow by law for this collection agency to add such a outrageous amount to a loan? The only reason I was not paying is because I did not have a job. 
Please advise. 
Thanks - XXXX XXXX - XXXXXXXXXXXX

Company response to consumer: Closed with explanation