BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me XXXX and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Today, XX/XX/XXXX I went to pay my loans through Navient. I planned to pay extra as well. My loans are due today and I had a late fee of {$120.00} I had to pay. This was a total of {$250.00}. I played all of it so that I was current and no longer charger but I do want that money back or to go to the principle of the loan of my choice. I don't feel I should be charged because it is still the XXXX. I attached a picture that shows the date today and the payment due date being today. My payment was made around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I constantly am getting calls from Receivables Management Partners LLC after asking this debt collector to stop calling my phone. I have blocked their number from calling my phone and still receive voicemails. One time I called they told me " well you will have to deal with this on your credit '' and disconnected the call from me. Today I called and asked why are they still calling me leaving voicemails and they said " I am disconnecting the call ''. This is frustrating and it's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
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:
My current car loan which show it being with XXXX XXXX XXXX on XXXX and XXXX but shows XXXX XXXX XXXX XXXX on my Experian report is being reported late every month on XXXX and XXXX but my payments on time with Experian. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number 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 2018-12-27
Company: First Data Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To Whom It May Concern : My name is Mr. XXXX XXXX XXXX, I am a United States Veteran and Senior Citizen writing you concerning a matter that happened in XX/XX/2018 regarding my payroll account. I worked for XXXX XXXX during the month of XXXX I received two direct deposits to my XXXX XXXX card. One direct deposit was for XXXX and the balance was XXXX that was on XX/XX/2018. Then on XX/XX/2018 a direct deposit was made to my payroll card for XXXX the balance was XXXX. I submitted a police report for the incident that took place on XX/XX/2018 and I am still waiting for a claim form to be sent to me for the XX/XX/2018 incident as well. I also ; reported that my wallet had been stolen to the XXXX XXXX located in XXXX, IL thats the office I work out of from time to time. I also ; reported my debit card stolen to XXXX XXXX. 
On XX/XX/2018 I filed a police report concerning my payroll card and wallet being stolen, which I have a copy of. I also ; spoked with one of your representatives concerning the account ending in XXXX and debit card ending in XXXX, which the XXXX was taken out of an ATM and a withdrawal fee was applied. I asked specifically, why when the card was reported stolen was it not immediately cancelled? The response that I was given was that there were transactions still being made so, therefore the card remained open. If a debit card has been reported stolen by the owner it should be immediately cancelled! The second payroll card which ended in XXXX and account number ending in XXXX had a deposit made to it for XXXX and a balance of XXXX on XX/XX/2018 this card was never in my possession. Now, tell me how can there be two different payroll cards with two different account numbers which has two different pin numbers attached to them and someone is still able to extract money from each account! I have proof of everything that is mentioned in this letter. On the payroll card ending in XXXX there were two transactions made at XXXX  gas station, one for XXXX and another transaction for XXXX on the same day XX/XX/2018. I didnt purchase any gas because I dont own a vehicle. Then Im sent a letter stating that my claim has been closed. By all means this situation is far from over, I have alerted the Illinois State Attorney General 's office and the XXXX. I will also ; be getting an attorney and involving the State of Illinois Veterans Administration. 
I will advise that this case be revisited and reopened, there will be documentation included with this initial letter of notification. In closing if there are any further questions please fill free to contact me @ XXXX. 

Sincerely, Mr. 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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My current car loan which show it being with XXXX XXXX XXXX on XXXX and Transunion but shows XXXX XXXX XXXX XXXX on my XXXX report is being reported late every month on XXXX  and Transunion but my payments on time with XXXX. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number 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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion is refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.

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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 currently have four federal student loans serviced by XXXX / Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX XXXX refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA. 

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. 

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.

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 2019-09-15
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello, I am filing a complaint on a late payment that occurred on XX/XX/2017 until XX/XX/2017 with Comenity Bank / XXXX XXXX. At the time i was facing a financial deficit, and tried working with the Bank for assistance before it could affect my credit. Unfortunately, they decided not to work with me with my situation and this caused me to have a bad enquiry against my credit. As you can see on my new Credit Report, i have always been up to date since. I am requesting to have this negative inquiry removed sooner. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 to transunion about incorrect information on my credit report and have not received information on how they verified the account. I have attached XXXX certified request from secretary of state and i have no liens placed against my name for the said account listed on my credit report that the credit bureau verified and remain. They are in violation of the fcra for not properly verifying these accounts. I have attached a re- investigation letter for their review.

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 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fruad alerts on my credit report, I did not ask/ request one at any time

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 2021-07-19
Company: EQUIFAX, INC.
State: IL
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 currently have four federal student loans serviced by XXXX XXXX Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX XXXX refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA. 

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. 

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX real estate/public accommodations pulled an inquiry on XX/XX/2020 that I did not authorize XXXX XXXX pulled an inquiry on XX/XX/2020 that I did not authorize XXXX national credit cards/ airlines pulled an inquiry on XX/XX/2020 that I did not authorize. 

XXXX XXXX XXXX XXXX pulled an inquiry on XX/XX/2020 that I did not authorize. 

I did not give any of these companies my written permission to pull a hard inquiry on my credit report and I feel this is wrong.

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 2021-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from credit XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXXXXXX XXXX  Account Number XXXX Balance {$3400.00} XXXXXXXX XXXX Account Number XXXX Balance {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IN
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 had an account with Premiere Acceptance and then I got a refinance loan with XXXX XXXX at a cheaper rate. The car was paid off in the transaction. I paid the account as agreed on a monthly basis. The account was recently posted to Credit bureaus from XXXX? Why is this just now being viewable on my reports??? The dates are false. Its XXXX! Also they would repossess the car if I was to be 120 days late. They have caused my credit score to take a big hit while I was in the process of purchasing a home. The account details reported are listed below. I want restitution from this creditor and my credit reports updated with this information updated with payoff and in good status along with deletion of derogatory status. 

Status Date Reported XX/XX/XXXX????? 
Payment Status 120 Days Late * ( I was never late, Made Monthly payments ) Account Details Bureau Name PREMIER ACCEPTANCE Account Type Auto Loan Responsibility Individual Original Loan Amount {$27000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX This was paid off by new loan with cheaper rate. These dates are wrong Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Lender Info XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Remarks Closed. ****It was paid off in a positive status and not late*******

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
I have a credit card with Bank of America and I almost never use it. I have a auto draft setup for several years for this card so the balance will always remain XXXX. This credit card has a $ XXXX  yearly service fee. Last year around XXXX this credit card charged a service fee that was not automatically withdrawn using my auto draft. Unknown to me the service fee stayed on the account as a balance and I was charged 30 days delinquent not for actual purchase but for a service fee. I have spoke with Bank Of America customer service on several occasions and they all admit the issue is on their side however when ever they send the correction request to their credit reporting department the department refuses to acknowledge that the technical error happened on their end and correct my credit reporting. I have XXXX credit score for maintaining an perfect payment record this reporting put a blemish on my credit for something that is Bank of America 's fault and I should not be punished for that 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: FB FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FirstBank hold my mortgage. On XX/XX/XXXX the sent a letter explaining that the servicing of my mortgage was changing to another company and that the very next payment would not be accepted on XX/XX/XXXX... my next payment date just days away. 

I understand that these things can change but .... 
1 ) such short notice to comply with the change is ridiculous 2 ) the letter looked like it could have come from anybody setting up the prefect scam to have people start sending their payments to this new address 3 ) my payment was on auto pay and it the payment was controlled by firstbank. The payment could have been initiated by the new servicer but it was not. 

I'm wondering how many people are going to be hit by late fees generating possibly millions of dollars in late fees for this bank that never would have happened if they had executed this transfer more responsibly. I would like the record noted at the CFPB that is a possible scam to reward managers at this bank.

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 2017-08-08
Company: Jon Barry and Associates, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - XXXX XXXX/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - XXXX/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XX/XX/XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX

Company response to consumer: Closed with non-monetary relief