BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I XXXX XXXX believe that I have a legitimate case of identity theft that needs the immediate attention of the Consumer Financial Protection Bureau. My case can be described in a chronological order so that it can be clear that my personal information such as my social security number, date of birth and additional personal information are being held by a collection agency that has no legal recourse against me personally. On XXXX XXXX, XXXX my debts from any XXXX student loans were legally discharged in a United States XXXX court. All of my debts were legally discharged and there is no legal position to collect. Any student loans procured after XXXX XXXX would fall under a different legal guideline, but any or all student loan debts procured before that timeline are dischargeable from a bankruptcy petition. The use of any of my personal information to abuse my credit reports is without question an identity theft. This company is using an abusive collection process in violation of my rights under the Fair Debt Collection Practices Act. I demand my file to be purged permanently and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: MA
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 reinvestigation results response from Experian reinvestigation results from report number XXXX, which I made under FCRA 611 ( a ) regarding an erroneous item on my credit report. 

I included an official letter on my dispute received from the clerk of the United States Court stating they do not " share any information with Credit reports or 3rd Party agencies and Experian keep confirmed that have verified these accounts, I wonder who has verified if United States Court stating they do not share any information with Credit reports or 3rd Party agencies.

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 2021-01-01
Company: Experian Information Solutions 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've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but XXXX XXXX, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called XXXX XXXX to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. XXXX XXXX send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XX/XX/XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any XXXX XXXX in my life and I won't open one in the future.

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 2017-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was unable to pull my free annual credit report for Equifax. In addition to this, I tried to do a dispute through Equifax and it states they can not confirm my identity. I also use third party credit monitoring services and the Equifax portion has not been updated since  XXXX   XXXX     2017. I c ontacted my 3rd party monitoring services and they stated Equifax is not allowing them to pull anything. They told me to contact Equifax directly. I contacted Equifax directly and got nowhere. They were able to confirm my identity, however they could n't tell me what the issue is in regards to pulling reports and credit monitoring services I use. All they did is offer me to purchase a credit score pull directly from them ... .I do n't understand how I cant pull through my credit monitoring services that I pay for, but yet E quifax is a ble to if I pay them directly. To me it appears they are purposely doing this to force people into paying for their products directly to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I informed the third party company 3 months ago I am unemployed and homeless and will not have any monetary payment until I get back on my feet. They continue to call me repeatedly XXXX a day leaving voicemails and threatening to take legal action.i

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I prequalified for a loan with XXXX XXXX XXXX, XXXX CO in XXXX 2020. 
I went under contract for a new construction home in XXXX 2020. 
I was paid for appraisal on XX/XX/XXXX ( after my Realtor reminded broker to order the appraisal ). 
I was scheduled to close XXXX. 
There were builder delays in closing pushing it to XX/XX/XXXX and then XX/XX/XXXX. Certificate of occupancy was issued XX/XX/XXXX. 
On XX/XX/XXXX, the broker did not have the appraisal to do disclosure notices to close. 
The appraisal was obtained XX/XX/XXXX but was the wrong property. An update was issued XX/XX/XXXX for the correct propety. Disclosures were issued XX/XX/XXXX and closure was scheduled for XX/XX/XXXX. Lender ( Lakeview Loan, XXXX XXXX, FL ) did not prepare closing documents. 
Closing rescheduled for XX/XX/XXXX and XX/XX/XXXX - still no closing documents. 
I have suffered losses due to delays, lost annual leave scheduled for move that hasn't happened, having to " restock '' my household goods in temporary storage, having to stay with friends, etc. I'm also in CO with the super covid bug now in outbreak. This is dangerous and I still have not closed on my home. 
I am still awaiting closing with no hope of it happening.

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 2020-03-11
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened this new XXXX XXXX  card issued thru Citi card in XX/XX/XXXX. Statements were set up for online billing and I didnt make this request. I preferred mailed paper statements and complained in XX/XX/XXXX, I was assured that statements would be mailed in the future. This didnt happen and the online bills went to my junk file on my computer. I received a call on XX/XX/XXXX indicating that I was 2 payments behind. I paid my balance in a payment of {$150.00} on XX/XX/XXXX and {$910.00} on XX/XX/XXXX. I was charged late fees of {$39.00} each for 2 billing dates.
I complained that I was promised that I would receive regular bills back in XX/XX/XXXX and they failed to correct my account. 
I filed a dispute against CitiCard on XX/XX/XXXX with XXXX acting on my behalf.

My 1st mailed paper statement was for XX/XX/XXXX for {$1000.00} and that amount had already been paid I spoke with my credit protection provider, XXXX, on XX/XX/XXXX about the problem. She recommended that I try to contact a supervisor at CitiCard and I finally got through to a supervisor on XX/XX/XXXX. 
I was told the problem would likely get cleared up the next week. 
I called CitiCard a couple of more times and could not get any reply. 
Today, I spoke with XXXX  to see if they had anything back from CitiCard regarding our refined dispute. To date, that have not heard any further from CitiCard, nor have I. 
The representative from XXXX  recommended that I file this complaint against Citicard through the FTC.

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 2016-07-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: VA
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:
dear sir/madam, the   XXXX   XXXX   XXXX  , was started report on   XXXX   XXXX   XXXX  , an account, that was an a Personal loan for {$5000.00}, opened on   XXXX   XXXX  . THEY ARE REPORT like a " Conventional Real Estate Mortgage '' AND  (  Closed - Derogatory ) impacting my score in a frivolus AND MALINTENTION TO HURT MY CREDIT MORE, because that account was included in a chapter "  XXXX  '' schedule, AS A PERSONAL LOAN NOT A MORTAGE, on   XXXX   XXXX   XXXX   and discharge on   XXXX   XXXX      (  United States Bankruptcy Court  XXXX   XXXX  of Florida.     credit report :   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX , P.R. XXXX  (  XXXX  )  XXXX  Reported on   XXXX   XXXX   XXXX   {$4700.00} Account Details Last Reported   XXXX   XXXX   XXXX   Creditor Name   XXXX   XXXX   Account Type Conventional Real Estate Mortgage Account Status Closed - Derogatory Opened Date   XXXX   XXXX   XXXX   Closed Date   XXXX   XXXX   XXXX   Limit Term 60 Months Monthly Payment {$140.00} Responsibility Individual Balance {$4700.00} Highest Balance {$5000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment   XXXX   XXXX   XXXX   Amount Past Due {$1700.00} Times  30/60/90  Days Late  0/0/0 Re marks Charged off as bad debt Profit and loss write-off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, 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. Section 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 explanation
Consumer complaint received 2021-01-01
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 HAVE UNAUTHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY UNAUTHORIZED ITEMS ON MY REPORT MUST BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE THESE ITEMS FROM MY 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 2016-06-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Opened a savings account with TD bank on XXXX XXXX and have made XXXX transactions ( electronic funds transfer ) online to and from my checking account. Was informed by TD that it is their policy to only issue quarterly statements, regardless of the number and nature of transactions made in that month. 
Regulation E 1005.9 directly refutes that policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to collage before getting married, and was surprised when they were going to figure my payment from both incomes, but whatever then they said that they base the payment from my PRE-TAX income, if I brought home my pre-tax income I could make a payment, as it was they wanted almost XXXX dollars a month, which was too much and when I offered to send at least XXXX a month for good faith I was told not too bother that it would not be counted. Prior to becoming Navient I was paying XXXX $ a month and there is no record of it from Navient so that was a waste of payments so I have been deferring and racking up interest. I hope too have my car paid off in a few years ( need the car to get to work ) and I can put that payment to my Loans but it would still only be XXXX a month so im at a loss I want to pay but XXXX a month is too much I would rather pay XXXX a month till im XXXX then XXXX and not feed my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Had a few unauthorized transactions on account. When I first noticed something it was international charges I called the 1800 # and she asked if I made a purchase From a site frm XXXX XXXX I said yes cause I did and she informed me tht where those charges came from. Next I went to make pay for some in XXXX XXXX realized I didn't have my card on me the young lady informed me I can use XXXX XXXX  which I tried but but couldn't make transactions due to them saying the phone device they had on file was incorrect so I went online to check and saw my account was hooked up to an XXXX which I never owned and at the time I notice the email they had on file wasn't mines either. I was able to change the mobile device online but was instructed to go inside the Branch to change email so I did ... The next day I wake up my account is XXXX I call the 1800 # they told.me to go inside the branch. So I did when I went into the branch she looked into my account and said I wrote check for XXXX and took funds out equaling XXXX which wasnt true I never owned checks. When she printed the check it was from XXXX I never been to XXXX and when I saw the signature on check it wasn't my signature and name was misspelled. I was told to go file a police report which I did and brought back the same day.. it's been since XXXX and I really have gotten any help besides the run around ... I've never been negative and never took large amounts frm the Atm I don't even know why this was allowed without being informed about transactions since these transactions was out the norm for my account ... Nothing as been done and its been since XX/XX/XXXX at Regions 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 2022-10-10
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted FirstPoint to advise them I was not the owner of these accounts ; they could not even properly verify my identity or and personal information such as my contact number or date of birth an address can easily be found. If You feel I obtained goods or services Please have a senior executive from your company certify under the penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Failure to comply to request 15 U.S 1681o Civil liability for negligent noncompliance ( a ) In general any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case if any successful action to enforce liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Marlette Funding, LLC
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:
On   XXXX   XXXX   , 2017 I looked  logged into the website  by Bestegg to see if I was qualified and what my rates would by ONLY. On their page where I entered my information, it stated that to check rates and to see if you are qualified your credit WILL NOT be affected. My credit was affected immediately! I was alerted within 2 minutes that my credit was affected. I called the customer service department of Bestegg and was assured that my credit was not affected. I received a call 1 week later by a customer agent from Bestegg asking if I was still interested in the loan. At this time I explained how upset I was about the false  advertisement and how my credit was affected when I read on their front page that my credit would NOT be affected by just checking rates and to see if I qualified for a loan. If you do not accept their loan then your credit is not affected!! This agent seemed to be genuine and was going to pass my complaint on to her supervisor and I would receive a call from this person and  1 1/2 m onths later I am still waiting while my credit is looking awful as I am always working hard to keep it perfect. This is not a company that I would ever work with after I was a victim of fraud and lied to b y two differe nt individuals within this company. I am due some type of restitution for causing my  credit score to rise against my will leading me to have to w ait to refinance my mortgage until this is removed from my credit.   The name that appears on my credit from BestEgg.com  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX

Company response to consumer: Closed with explanation