BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: SC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$4600.00}, XXXX XXXX Balance : {$52000.00} & XXXX XXXX Balance : {$23000.00}

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 2021-06-10
Company: Informative Research
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  said I had to dispute these with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ) Here are more hard inquiries that I did not authorize : XXXX XXXX XXXXXXXX XXXX XXXX Informative Research XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a recurrent problem with Bank of America 's mortgage department. 

I am set up for monthly automatic payment of my principal + interest. On occasion, I attempt to make an additional PRINCIPAL-ONLY payment, but this is applied incorrectly to the NEXT principal + interest payment, 1 month in the future. I am therefore without the use of the funds for up to 1 month. 

This has happened twice this calendar year XXXX XXXX ) : in XXXX and in XXXX. 

When I ask a Bank of America to return the misapplied funds, they are unable to do so. 

Here is the Bank of America case number from 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 monetary relief
Consumer complaint received 2022-12-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2022 I paid my Comenity account completely. I did not realize {$2.00} interest fee was placed on my account after paid. This caused multiple late fees. When I caught on in XXXX or XXXX that they were calling me about this account I had already accumulated multiple late fees. I called and the representative stated that they were going to waive these fees. This process took about XXXX XXXX  to process and in the meantime they were repotting my account as delinquent. My XXXX XXXX dropped like XXXX points because of this situation. This is how these companies get more money out of customers who have paid their accounts off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-15
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have had issues with the servicer My Fed Loan Servicing not communicating in a clear or consistent fashion. Two IDR recertification processes in a row now they have either not sent reminders, or failed to send follow up communication that they themselves committed to send. 
The first time this happened this caused me to be kicked off the IDR plan and charged a monthly bill that I could not pay, and I was told by the servicer that I would have to either pay it or not pay it, and that if I did not that interest would be capitalized. I had to take the latter option due to being unable to pay that amount, and it took 3-4 months for the servicer to get me onto a IDR at that point. 

This year, the servicer sent a communication on XX/XX/19 that in the first two paragraphs was very clear : get ready to recertify in a couple of months, AND look for another letter from us for instructions about how to do so. That letter with instructions never came, and only because I recently had a income change did I log in to look and see if I needed to report the change, and by chance found on the account that the deadline for recertification was XX/XX/19. 
When I called the servicer, they pointed out that the initial letter from XX/XX/19 did indeed have that XX/XX/19 deadline in the body of the letter, though it was absolutely buried amongst MUCH less important information, towards the middle of the letter. He did not explain or take any responsibility for why the follow up with instructions never arrived. 

Regardless, the first part of the letter is clear ; WAIT for our letter with instructions, a letter that never came. If I had waited, I would have again been in the same predicament as last time, having interest capitalized, for a simple issue that is easily resolvable without significant cost on either party 's part, not to mention completely avoidable if communication is clear, not obfuscated and actually sent. 

To be clear, the servicer did NOT take any responsibility for any of these issues at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: KS
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 filed a complaint with the FTC and a police report for identity theft and sent it to Equifax along with the acct from the ID theft and a copy of my Id and social. 
XXXX XXXX  XXXX and required by law it must be removed and it hasnt been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: RFNA, LP
State: MS
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 have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. XXXX  is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how XXXX got the information to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy be removed from my credit report as per the fair credit reporting act. 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 2019-08-15
Company: EQUIFAX, INC.
State: PA
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 noticed several inaccurate and fraudulent accounts on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 received a notice of investigation results from TransUnion on XX/XX/2018 stating that the erroneous reporting account numbered XXXX from XXXX XXXX XXXX has been verified as accurate. I have been fighting this problem with erroneous reporting with TransUnion since XX/XX/2018. In the enclosed docs, you will find a report from the TransUnion website indicating an investigation had been completed on XX/XX/2018 on account numbered XXXX, and more specifically, the account being reported as having 10 missed payments. This account was opened on XX/XX/2018 and closed on XX/XX/2018 and the Highest Balance reported was {$35000.00}. As you can see under the title Dispute Reasons, TransUnion states that the payment history/rating is incorrect and the creditor agreed to delete this account. Now on XX/XX/2018, the account is still erroneously reporting on my credit report. You will also find in the enclosed docs that XXXX has deleted this account from my credit report because they couldn't accurately verify this account. I demand that TransUnion and XXXX also delete this erroneously reported account from my credit report due to defamation of character and negligent enablement of inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: ALLY FINANCIAL INC.
State: MI
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:
We received a bill from Ally Financial on XX/XX/XXXX and XX/XX/2016 and they stated that we owed {$590.00} for damage and excess wear on our XXXX XXXX. We turned the car in 6 months early so there wasn't any excess wear and there wasn't any damage on the car. The dealership reviewed the pictures they sent and couldn't see any visible damage. We sent them a check for {$100.00} and felt that was all we owed. 
Since then they have harassed us with phone calls and letters. We just found out that they have placed a bad mark on our excellent credit record. We are in our eighties and have always paid our bills on time. 
We find it very unfair that a company can do this to us. We would like some advice as to how we can get this off our 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 2017-12-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to this company in late XXXX. I sent them a payment, I am currently under a bankruptcy process here in NY. My original loan provider, XXXX XXXX, XXXX. sold my loan to this POS organization. I am required to send payments under a trail period before XXXX XXXX would agree to a permanent loan modification. Rushmore has claimed to never received my XXXX payment thus putting my permanent loan modification at risk or in fact now cancelling it out because they claim I never made the payment, which I did and have proof of. 
The payment amount was {$970.00} and was delivered to these XXXX onXX/XX/XXXX, I have the XXXX XXXX Mail receipt to prove they received it and a copy of the bank check stub that was sent in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: In progress
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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:
I have been locked out of my personal accounts

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I attempted to purchase a home and was told I had student loan debt. And because of this, I was denied.

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 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital one continues to go into my account and steal funds, they were told multiple times that there wee multiple charges from XXXX and that nothing was received, no order was placed and instead of getting the money back they continue to double and triple charge the account. 

When Capital one is called all they do is give me the run around, also they transfer calls to an offshore account where people are unable to communicate in English, making it extremely difficult to communicate with them. There are multiple charges on the account that are not supposed to be there. 

If I received nothing from XXXX why are they charging

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30
Company: Cascade CISS Holdings, LLC
State: MD
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:
I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since 2017 and it's been a nightmare trying to repair my credit just to be financially stable for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have received my results from experian in which they claim my personal wrong information has been deletes but in reality all wrong personal information is showing and affecting my credibility with financial companies.

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 2018-02-20
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:
Ive sent three letters requesting the removing of XXXX XXXX XXXX  inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX  they would know this account was reported as fraud. 

Also inquires XXXX XXXX and XXXX XXXX XXXX  was placed by a collection agency. When I contacted the collection agency on my account they stated no knowledge of this. 

Please remove them as I have no knowledge.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CITIBANK, N.A.
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:
XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX CITIBANK NA/THD  Inquiry : XX/XX/XXXX I have never heard of these and never authorized these charges. I was looking for an apartment and she gave me details on my credit and heard these but never filled out information.

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 2018-12-11
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I notified the debt collector and let them know that I paid my bill and that I also paid on one bill. The representative said they didn't see any information in the system at all. I sent them a copy of the receipt around XX/XX/2018. No one has responded. When I called back and asked did they record my call with the representative they said they record some calls but, mines wasn't recorded. I still have those bills on my account. 
The next claim is with an insurance agency. I called to let them know I could no longer afford the insurance and to cancel it. She said when we first started talking that the call was being recorded. I said ok. Now they are trying to charge me for not paying for 3 months. So, asked will you please pull up the call in which I was informed that was being recorded they couldn't find the call. I cancelled my insurance 3 months before and now they are trying to charge me. I also, made a Co-payment to the hospital in the emergency room. But, they said I owe a full payment which is unfair. I paid my co-pay but, they didn't deduct it from the bill. I don't owe these debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
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 XXXX5 U.S.C . 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation