BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
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 is missing that should be on the report

Complaint:
I have been diligently trying to rebuild my credit since XXXX ... I have disputed / reported many discrepancies & have successfully removed a lot of them ... however, there are presently 2 items within the 3 credit bureaus that are inconsistent ; a collection is removed by both XXXX XXXX Equifax, but it is still on XXXX ... a medical collection is removed by XXXX / XXXX but still appears on Equifax... finally, my length of credit history is inconsistent for all of them ; XXXX is the only bureau that recognizes that I had a Dept. of Education loan that closed back in XXXX, yet all 3 bureaus insist my score age is only XXXX XXXX old. I had messaged XXXX prior to this complaint, and was told by an employee " I dont have access to your XXXX account '' to which I was astonished by. I have a Fair rating as of XX/XX/XXXX and feel these inconstancies are preventing my score from being Good to Very Good. 

As previously mentioned, I think as an individual I've done all I can with trying to resolve said issues with the 3 individual agencies and the CFPB. I think now would be the time it'd be worthwhile to seek professional advice / action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express written permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX XXXX  nor transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Froze credit report for Experian around the time XXXX  was shamefully hacked ( 2017 ). Now I have to lift a security freeze I set with them, but they deactivated my account and I am unable to lift the freeze within the time frame I have right now. 

This will cost me money that is critically important to me at the moment.

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 2023-06-16
Company: EQUIFAX, 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 belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: Midwest Recovery Systems
State: ME
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery placed a {$270.00} debt on my credit report on XX/XX/XXXX this year. I never received anything from this company prior to seeing it come up on my XXXX  report. I called them today and they said they had my correct address and that they dont have to notify of the debt prior to placing my my report but if I paid it theyll send me a deletion letter. I should have had 30 days to dispute the validity of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Sandtander Consumer USA LLC is the auto loan account holder for a XXXX XXXXXXXX XXXX in XX/XX/XXXX that I purchased. They are practicing a Rule of 78 's & Rule of 72 's loan which is prohibited in the USA & XXXX. 
Sandtander Consumer USA LLC is violating 15 US Code 1615 Prohibition on use of " Rule of 78 's '' in connection with mortgage, refinancing, and other consumer loans. 
They are utilizing daily compound simple interest, and prioritizing the simple interest & penalizing me the consumer for additional payments by applying additional principal payment funds to the daily simple compound interest. This practice was outlawed in XXXX in USA, and XXXX in XXXX is prohibited in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a credit card while in XXXX. I made the most payments I could under my federal work study program. The credit card company, I also moved around and got bills late. Finally when I got the bill they wanted the entire amount which I could not afford being that I was still a student. I moved around again, by the time I got the notice there was a default judgement. Wages were garnished for several years and the account was transferred several times to different attorneys. I finally made a settlement offer after loosing my job for the amount of XXXX that was paid with a cashier 's check from my bank and sent to XXXX XXXX XXXX and they agreed to it and cahsed the check. They never sent me a letter that the debt was settled after calling them several times and I was told by their representitive I owed them nothing. Almost seven years pass and now I am getting another debt collection from the offices of XXXX XXXX, XXXX ( Same case steming from the XXXX XXXX XXXXXXXX XXXX  ), and it continues to be passed around even after debt was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

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 2021-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I get paid once a week. My card was lost, so on MondayXX/XX/XXXX I called to replace it and ask bank if america to XXXX XXXX my check as I have no cash for the last week. This was around XXXX XXXX XXXX they advised in a new disclosure it could take 24 hours. It's now XXXX XXXX XXXX XXXX XXXX at the bank will help me I have reviewed no wire. Since XXXXy I have called and called to ask why it hasn't been wired, I have held for hours on dead lines. I need my pay to feed my family. I need help the bank refuses to send it allow me to get my check even tho I explained it's an emergency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: MD
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:
After reviewing my report i noticed someone used my name and social security number without my permission. There are inquires i did not consent to on my report. I submitted an Identity Theft report with the FTC and sent it to Experian. Attached FTC report with inquires from 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 
Please delete these unauthorized entries. They do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a deal with a guys whos name is supposedly XXXX XXXX whos paypal id XXXX to buy an iphone x that he was supposed to ship and it was supposed to be delievered on XX/XX/XXXX but it didnt come. I had already paid him XXXX for shipping and as a deposit but now he has completely gone ghost his number doesnt exist no more and his XXXX account is gone. He stole XXXX dollars from me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This two with XXXX XXXX XXXX Account Number XXXX Account TypeCredit Card Terms Revolving Date Opened XX/XX/2016 Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/2016 is not mine, they was removed from my report and then added again by EXPERIAN As a result my credit keeps decreasing. to. This increased my XXXX level causing my XXXX XXXX to increase and I began to have further issues with my XXXX. I ended up having emergency 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 2019-02-20
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX reports FICO score to Wells Fargo which allows me access to it. My credit rating throughout the last year was steady at about 825 ( see attachment ), then in XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and XXXX. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called XXXX, Wells Fargo 's supplier, to complain, and they threw it back on the bank, which in turn blamed 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 2023-02-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX... Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$360.00}

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 non-monetary relief
Consumer complaint received 2022-08-25
Company: AES/PHEAA
State: NY
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:
My loan servicer, AES, failed to notify me that I could consolidate my FFEL loans and be eligible for the CARES ACT interest and payment pause. It was not until recently, towards the end of the pause period that I learned, through my own research, that I could benefit from this. 

I feel like AES had a duty to make a glaringly obvious notification to inform their clients about possible benefits of Direct consolidation during the pandemic. Instead, they were shady and withheld this information for their own gain. 

I continued making my full monthly payments, throughout the pandemic, while a struggling new mom working as an essential worker with a reduced paycheck. 

Had I been properly informed of my ability to consolidate and pause my payments and pause my interest, I would be in a much better situation financially. My student loan obligation during the pandemic caused undue financial burden for my family and contributed to severe stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni is reporting a debt from XXXX on my credit report. I have requested this account be verified through letters to the Credit Bureaus, dated XX/X/17. This debt was removed from my XXXX report, therefore not verified, however it continues to come back as verified through XXXX. I have no knowledge of this account belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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: Reporting company used your report improperly

Complaint:
My personal data was collected and resold without my permission for profit by XXXX, yet XXXX failed to secure this most critical of personal data from being stolen.

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 2021-03-31
Company: Robinson, Reagan and Young PLLC
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 belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CCS Financial Services, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX allowed my nephew and my mother two loans on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: ACS Education Services
State: NY
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:
ACS Educational services was in charge of my loan repayments. However the loan is now in default- I never received a letter or email stating why or how it got to that stage and where the payments went or how they were applied to my account. I am in dire need of who I need to speak with to rectify the matter. But since my loans were consolidated I am lost on where to start. And I am upset this company played around with providing services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX. With the XXXX fiasco, I tried to contact Transunion to put a freeze on my credit report. Initially, when I clicked on Click to initiate freeze process, I was directed to a screen about a {$19.00} fee. Later, I got the message, " We are experiencing heavy volumes due to the XXXX breach. Please try your request again later. '' I 've been trying for days. Now, the message is The website is temporarily unavailable. Please check back later. We apologize for the delay. Incredibly, initiating a freeze with XXXX  and XXXX was easier. 

XXXX. Why is TransUnion trying to get us to pay them {$19.00} for a freeze? This should be waived. 

XXXX. I 'd complain about XXXX, but everyone knows about that situation and a complaint wo n't solve anything.

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 2020-10-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report. In doing so I notice an account that I did not authorize this account to be on my credit report. I have attached a copy of my FTC report. Along with two proof of Identification. I am a highly intelligent XXXX XXXX Female. Please do not insult my intelligence by saying I am using a credit repair services. I know my rights and I know the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.

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 2021-01-22
Company: Credit Plus 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:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDIT PLUS Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation