BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm writing in regards to a response received for a dispute filed with TransUnion. I have been disputing since XX/XX/2016 information on my credit report regarding XXXX creditors - XXXX, XXXX/XXXX and XXXX. TransUnion has responded saying " XXXX-CONSUMER DISAGREES. '' They did not address the specific question I asked about. I was not asking for verification or accuracy of the accounts. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by TransUnion. Secondly, 1 of the creditors ( XXXX/XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by TransUnion. 
In summary, XXXX/XXXX is incorrect, and this fact was ignored by TransUnion. The other accounts were addressed but my letter and specific points were not, nor was any proof of documentation provided. 
I have attached a copy of my letter sent to TransUnion as well as their response. Also included is my identity verification. 
Thank You, 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 2016-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a second name that is not mine and never has been and there is also an address I 've never lived at or received mail at.

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 2018-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America is refusing to acknowledge me as a victim of fraud and identity theft. I filedseveral claims about transactions that had occurred, in fact On XX/XX/XXXX I went into a Bank of America financial center where I was am in fax all of my evidence concerning the identity theft matter. I was told that Bank of America would be sending out a packet for me to complete and send back. I never received the packet in the mail. XX/XX/XXXX I visited the financial center again and the banker told me that all of my claims were denied because I did not file the transactions within 60 days, although one of the police reports that Bank of America is in receipt of, states that my mail has been stolen, therefore I never received the statements. OnXX/XX/XXXX I  received a phone call from Bank of America, although I missed the call the representative left me a voice mail stating that Bank of America wanted to discuss details in regards to my claims, and left a reference number. I called Bank of America at the number that was left in the voice mail, and provided the reference number, The representative stated that there was no such reference number, she then asked for my account number, after verifying my account which is now closed, she stated that the call was from the claims department and transferred me. I was transferred a total of 6 times each time assured that the department that would receive me would be able to provide me with service. Eventually i spoke with a representative that said i would have to visit a financial branch to be provided service. I was able to deduce that Bank of America is not acting in accordance with Bank law and is violating my rights as the consumer. They are not filing claims, or furnishing documents that Federal Law imposes. An unauthorized account has also been opened using my information, online, Bank of America refuses to acknowledge those claims as well, and furnished a signature card, that was electronically signed in plain texts. I have documentation showing that these requests were made.

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 2018-05-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX/ last update XX/XX/XXXX bought the {$170.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) from this other collection co : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION : this alleged account has been past from one COLLECTION co 's to another for the last 7 to 8 years I have never had an account with XXXX XXXX nor have I never received and invoice on what the XXXX is for or any breakdown- I have been pushed to the max and will start treatment theses COLLECTION Co as a Hostile attacks on my personal Character and my personal financial goals - as of yesterday I receive notice from two Credit cards- that I have had open with great out standing credit starting from XX/XX/XXXX : this notice was that my FICA had falling over night fromXXXX to XXXX nothing has changed on my credit reports from all three over the last year - XXXX XXXX XXXX has been calling for 6 /7 months I have informed them to cease and assist- however they continue to call and view my reports on all three credit reporting co. every month as XXXX was the primary reporter by my Credit cards I called then and pulled my report - I asked them why did my FICA dropped 100 point over night - the person XXXX said I can tell you that without you payment money first- I said what this was a Negv report and they should give me every thing that has cursed my FICA to fall 100 point instead of helping me Collection companies can report anything they want there's nothing I can do about it- but he will be happy to file a dispute I told him I have filed many disputed about this account and it gets sold off to a new CO and it start all over again theses actions are considered bad faith and Federal intervention should be taking : I could pay this at any time but I will never give in to theses Fraudulent COLLECTION co 's

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: General Motors Financial Company, Inc.
State: CO
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:
This account was paid off early because it wa totaled and my insurance mailed the check to the company. This was in 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of 2020, I applied for a new payment plan for my student loans with Nelnet. My payments were made to be smaller and paid later. I confirmed this with Nelnet. On XX/XX/XXXX of 2020, the amount of {$110.00} was taken out of my bank account by third party XXXX XXXX  XXXX. I had never seen it before and the amount doesnt match up with the amount that my payments to Nelnet would be. I contacted XXXX XXXX  XXXX and they gave me the contact info of the servicer that withdrew from my account. I was given an email, XXXX, and their phone number, XXXX and have sent countless emails, and still have received no reply. Im worried that I may be getting scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CARVANT FINANCIAL 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:
made complaint about company to CFPB company placed a hard inquiry on report. This is a violation of improper credit use of consumer 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 2020-07-02
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Servicing escrows for my insurance and property taxes. Shellpoint has been taking money to pay my property taxes, but has not done so. As a result, I received a Delinquent Tax Notice ( see attached ) from the city, which added on Interest owed as a result. I reached out to Shellpoint last week ; they said it would be addressed by the end of last week, however I just checked and the tax payment still remains outstanding.

Shellpoint has caused other problems with my other mortgages that they service in the past, including where they were escrowing for insurance and did not pay for my insurance, then sending threatening notices about not having insurance paid on my property ( when they themselves are escrowing for it! ) There seems to be systemic issues at Shellpoint around escrowing and making proper payments. They unapologetically act in a reckless manner.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
So my husband and I both got a loan in XXXX of 2020, we made a couple payments then all of a sudden she started saying my payments where returned spoke with my bank that wasn't true, now her and the guy there are calling over and over and over all day to both of us and our references showing up at the house non stop. I've just been diagnosed with XXXX and I've begged her to stop and she does it more and more

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have called the corporate number as well as the regular customer service number on numerous occasions from XX/XX/XXXX up until now XX/XX/XXXX as the reporting to the credit bureaus are incorrect. 

The company has over 20 late payments on my account reporting showing me late when the have 1 ) applied all of payment of {$350.00} towards INTEREST ONLY 2 ) add a non-requested extension on the account without authorization showing no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX 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 XXXXXXXX XXXX, XXXX. 
XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I requested a review of my payments that were eligible for XXXXSLF. I work for a Public School ( 16 years and counting ) with Consolidated Loans, with 127 payments made towards them. Only 17 are eligible?? I have requested the reasons why only to be told thats all that are eligible. I requested that the payments be reviewed only to be told that it would take months to perform this recount. I was told that it would take three months, now I being told that they do not know how long the counting will take?? 

It took me 10 min to tally up my count? 

With the new Federal Rules for PSLF/TPSLF ALL of my payments should be counted. I have ALL of the necessary credentials for forgiveness, and I can not understand how I only have 17 payments being applied to my forgiveness, ALL 127 payments, NOT even counting the 20 months in Federal Forbearance, which would put my count at 147 payments?! 

I expect full loan forgiveness as a result of this review of my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two weeks ago, family members began telling me that they were receiving odd messages on their home answering machines concerning me. Some of them were threatening legal action and demanding a return call and many answered calls continued even though this company was told that I could not be reached at their numbers. These are the first of many collection violations under the FDCPA, FCRA, and Texas Finance Code. There are even FTC violations occurring as well. My family members have saved and given me every single voicemail that was left by this agency and one particularly resourceful person was able to record a threatening telephone conversation between themselves and an agent of this company. This company made claims of a civil case being processed against me, however, a good friend works in the city office and assured me this is not the case. This is a common harassment technique used by unethical debt collectors. Yet again, another violation of numerous debt collection governing agency laws. 

I looked up the contact information for this company and sent them a cease and desist notice and a debt validation request, as I was unaware of what this company wanted me with. These letters were sent by certified mail and delivered on XX/XX/2018. This company has persisted with collections and has now even reported to XXXX and XXXX credit bureaus without validating the debt, which is now yet another violation to add to a long list of actions that are for liable for damages under numerous governing agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested my free report online from Transunion and XXXX and they say that my report is undeliverable online. I then wrote letters to both credit reporting agencies requesting my free annual report and have not received it. I included copies of my drivers license, passport, several documents documenting my current 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 2018-04-05
Company: BMW Financial Services NA, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a XXXX XXXX car that was purchased in XX/XX/XXXX and I paid off the loan in XX/XX/XXXX. The BMW financial service handled the loan and I have a lien on my title. In Maryland, in order to remove the lien on my car 's title, BMW has to mail me a lien removal letter with the original loan amount and date and the loan release date. I contacted with them multiple times to request the correct letter. They mailed me two letters without the original loan amount and date on the title, and I brought them to XXXX and none of them are qualified. I show them XXXX 's requirement of lien removal letter, but they refused to provide me the CORRECT document and keep saying the WRONG documents they sent me is correct. 

First, they are CHEATING the customers about the incorrect lien release letter. 
Second, they intended to not give me the CORRECT documents and asked me to try many XXXX to see if I have some luck. 
Third, they are unwilling to make any effort to serve the customer. The effort meant by me is simply including the correct information on legal documents. 
Second, their refusal prevents me from selling my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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: Public record information inaccurate

Complaint:
Experian continues to disregard the FCR rules regarding reporting accurate and correct information. They continue to report a Bankruptcy that is not mines or have my name as it appears on my credit profile. The name they continue to list to a Bankruptcy filing in XX/XX/2017 is not linked to the name and social security matching Social Security Adm. I've provided police reports, FTC report and reports from XXXX XXXX all have investigate including the other credit reporting agency and determined the account does not belong to me. 
Experian is purposely reporting false information without providing proof and only stating according to public records, which if they properly investigate the complaint, they courts would tell them the case is not mines. I'm requesting any legal action that could be taken by the CFPB to begin charges against Experian for not complying with FCR rules and policy. 

I'm again submitting my FTC report along with the third party report XXXX XXXX since there previous response was they have not received any information regarding identity theft. 

I'm also requesting all response from Experian to proceed legal actions from my end for reporting information regarding a fraud name being used on my credit report. 

Their reporting source has removed it along with the other reporting agencies who has conducted an investigation and see that the account doesn't belong me but Experian still will not provide any documentation confirming their 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 non-monetary relief
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been in contact with XXXXXXXX XXXX on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to XXXX again to be told that Im not due until XX/XX/2021. Then I demanded that XXXX XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting XXXX XXXX  and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. XXXX XXXX  still refuses to remove the late payments off 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