BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
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:
After looking at all of my credit reports i noticed accounts that i didnt recognize, i have had my information compromised a while back and i think some information has been falsely used. Please remove the following account and account number from my report. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Information belongs to someone else

Complaint:
After looking at all of my credit reports i noticed accounts that i didnt recognize, i have had my information compromised a while back and i think some information has been falsely used. Please remove the following account and account number from my report. 

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 non-monetary relief
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Good afternoon, For several years ( since XX/XX/2008 ) I have been having trouble with my student loans. During my divorce our combined student loans ( mine from XXXX, XXXX and his from XXXX, XXXX ) were " ordered '' to be paid by my ex husband and I took other debt to equal things out. Since that time the debt has remained on my credit and despite court documents saying that I am not supposed to have to pay this back, it remains in my name and on my credit report. Navient ( the loan was formerly with XXXX ) indicated that since it was a federal loan the states decision that it was not my burden any more did not affect them. Quite frankly this does not seem right. This has impacted my ability to buy a house, retain credit, and shortly will impede my ability to get financial assistance to send my children to XXXX. To make matter worse my ex husband has not made a payment on the loan since our divorce and the amount is now almost doubled. There has got to be a way to relieve me ( and my children ) from this burden. I have tried all that I can think of and now I am hoping I can get some assistance from someone in government. I have to believe I am not the only person in this country that is affected by such things and if I can help others while helping my family by bringing this to the attention of the government, that would be even better. 
Can you let me know where I would take this issue to seek assistance? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was originally with XXXX. When they were sold it transferred to XXXX XXXX XXXX. In the XXXX of 2008 it was sold to XXXX. I would make my payments around the XXXX of each month as I got paid. The loan had a grace period until the XXXX of each month but every month @ XXXX I would start getting calls from XXXX debt collectors harassing me about the payment. Then I would be directed to the web site that each month charged me a {$12.00} " Convenience Fee '' they called it for using an automated system. Then I lost my job in XXXX XXXX '. At that point I needed to ask for a short sale. They held me out asking for above market amounts. The harassment was unbelievable by XXXX XXXX '. i was willing to do what I could to help sell the home and would vacate at any time. Eventually I had to file bankruptcy in XXXX XXXX '. After I filed bankruptcy then they wanted to help with a short sale. The home finally transferred XXXX XXXX '. XXXX made my life miserable. The treating phone calls at all hours of the day. Not wanting to help until I was forced into bankruptcy. As I get this financial nightmare turned around I will never be in a mortgage serviced by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: MN
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 submitted a dispute letter on XX/XX/2022. They have stalled their process without adequate evidence, and they violated my rights as the consumer in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use Bank of America and have been a customer since XXXX. I use the mobile banking app nearly 100 % of the time as there is a fee if I enter and use the branch. I use RDC ( remote deposit capture ) feature in the mobile app to deposit my bi-monthly paycheck. Today I tried to deposit my paycheck. Because there is a {$10000.00} monthly limit on RDCs, I was unable to deposit my paycheck. What happened is that I recently received a raise and now my checks are large enough that they add up to over {$10000.00} a month. I called to ask for the RDC {$10000.00} limit to be raised but the phone rep and the supervisor both told me it ca n't be raised. This is my primary complaint. How is it that a Bank will limit me from depositing my standard bi-weekly payroll? 

Second issue, I was then guided to make the deposit into a linked joint account that I share with my XXXX XXXX XXXX son. I was told that once the RDC transaction shows to the bank after the nightly processing, the next morning, the check image is available. They told me that I can then call in the morning and ask to move the deposit into the originally intended account. However, when I called back, the rep on the call said this could not be done. The rep then said the funds would not be available for 5 days. However, when I deposit my payroll check into the originally intended account, the funds are available next business day. 

So, the artificial {$10000.00} limit on RDC has cascaded into a series of bank blunders that have caused me to deposit my payroll check into an unwanted account and now the money is locked up in this account. The rep furthered that a lot of bank policy changes took place in the beginning of XXXX XXXX. However, I was never notified of these changes. '' It 's these kind of inflexible rules that hamper consumer banking. It 's difficult to make simple deposits ... and then the customer is forced into a branch to do basic consumer banking. 

Please help, 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 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 had Child support on my credit file, so I never really used my credit, I have been paying it through my job for years and decided to apply for a small loan, this passed XX/XX/2018 and I was approved, but also found these other accounts and inquires on my credit report. I did a little research and found out what steps to take in correcting the errors. So I placed a fraud alert and file a identity theft report per the Fair Credit Reporting Act. I am attaching a copy of the identity report and would like these items removed, including the inquires accounts. I discovered through my research, that these items should be removed within 5 business days, once I provide the identity theft report. 

I also went to XXXX website and input my information and XXXX, stated the my personal data was stolen in their data breach..

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 2017-09-15
Company: EQUIFAX, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
Got the email about the equifax data breach. Have been getting emails about my credit score decreasing from equifax ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do.
Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ).
It has been less than a year since my last credit report at experian, and I hoped that equifax had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests.
I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2019, I received a SPECIAL OFFER letter from XXXX XXXX XXXX XXXX : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from XXXX XXXX I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If XXXX XXXX never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If XXXX would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, XXXX XXXX continued to harrass me daily and report negative payment information to all 3 bureaus. 

XXXX XXXX has been removed from my XXXX credit file but the results from my dispute with Experian and XXXX   have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that XXXX 's has voluntary reported to different sources IS CONTRADICTING. 

XXXX XXXX continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Rodenburg LLP
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX turned me in to a collection debt company and I have signed an agreement to pay them XXXX a month. 
I mailed a check and sent it back to their lawyer office and just today they labeled me as an uncollected and loss to the company to XXXX. It lowered my credit score. What can I do to get it removed since I already started to pay it off with Rodenburg law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I previously disputed an account listed as XXXX XXXX XXXX on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the TRANSUNION account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called Transunion on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.

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 2015-03-23
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX, my vehicle, which is financed through Tidewater Motor Credit, was totaled in an accident where I was found to be 0 % at fault. The vehicle was totlated and my insurance provided a check in the amount of {$8000.00}, leaving me with abalance of almost {$4000.00}. I had multiple correspondence with various employees ofTidewater and explained that I would be pursuing legal action against the other insurancecompany ( asking for XXXX maximum for no fault ). I was told I could only do alump sum payment and could not make payments. I had regular correspondence withthem through XXXX XXXX. 
On multiple occasions in XX/XX/XXXX, I was contacted by employees ofTidewater via telephone at work, despite my telling them ( on multiple occasions ), that myemployer did not approve of such calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: National Credit Systems,Inc.
State: OH
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 had signed a lease with someone and when Covid hit we lost our jobs and had to move out to move in with family. I was in constant communication with the Management of the apartment complex and have signed documents stating me myself moving out. The other person did not have that and yet the responsibility it falling on me when I had did my part. I have reached out after finding this on my credit report. I do not believe I owe the full amount of any at all when I paid the full price of rent alone and had lost my job due to covid. I also did not feel a proper investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I first wrote a letter to all credit bureaus back in XX/XX/XXXX, the wrote back saying all the information on my report were correct. I called on XX/XX/XXXX to dispute the items on my credit report, it was " fixed '' the wrong names was still showing when I asked them to remove it and only shows the correct information, as well as other collections that should've been removed. One rep even told me they can not delete my address because " it part of my history ''. my address is not public record for others to see. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2021-12-14
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received copies of Loan Documents from Ally, The address they have on the account is Not Mine. I need them to remove this inaccurate account from under 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 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
On today, XXXX/XXXX/2017 I applied for a loan with XXXX. I was denied the loan based on my credit score was too low. The credit score they reported based on Transunion credit Bureau was XXXX. My Transunion credit score is XXXX. I called prosper to ask why there was a discrepancy in the scores and they told me to call Transunion. I did. 

Transunion stated to me, not verbatim, but essentially, that when a lender runs a credit check they use a different model and that is why there is difference in the credit scores. So i then ask, does that mean the lender has the right to alter my credit score. She could not give me a definite answer as to why there was a discrepancy n my credit score. 

I then called XXXX back to inquire again, because no one is giving me an answer that sound legitimate. The stated to me, again not verbatim but essentially, they run a soft check not a hard check, that would go on my credit and us a different matrix and that is why i may be seeing different number. 

This still is not feasible. I could see the lender saying, o.k your credit score is too low for our criteria. We require XXXX and yours was XXXX. In addition to your score being to low you also had this this and this that goes against you getting the loan, but at no time should the credit score be altered from what the credit bureau is reporting. Correct?
If my credit score is XXXX given by Transunion then when a lender say they pulled my credit from transunion, it should still be XXXX, correct. 

Is it legal for a lender to alter you credit score or how does the credit bureau release a different score than what is documented on your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collector hired a lawyer to seek payment for a debt, the lawyer went through the courts, and hired a server to serve documents to me requesting a response to these documents. The document were not secured in an envelope for privacy, and were bound by a paper clip and delivered to my father-in-law at his residence. Thus allowing him and any other residence easy access to confidential information about me. Furthermore I have not lived at that residence for over two and a half years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: OH
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:
Disputed numerous accounts that are showing up on my credit file. This accounts are not mine. The reporting agencies are unable to verify correct information. But equifax is posting information onto my credit file thats been provided by disputed companies. 
Recording addresses Ive never resided at. Changing my current address to a address I havent lived at. Going off of information these companies Im disputing that arent my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX : the original amount of debt was {$590.00}. 
The debt was with XXXX after switching service. Had called XXXX many times but debt continued to build up. 
Paid the entire debt in full and in good standing through ERC. ( letter attached ) PLEASE UPDATE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Validate it or prove it. The bankruptcy court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the bankruptcy court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these Bankruptcies aren't reporting in their system.

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 2016-09-30
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received treatment from a place called XXXX before I was seen by a doctor I had to submit my insurance information and a debit card on file. I never received a bill for the remaining balance that insurance did not pay instead the company was bought out by XXXX XXXX XXXX and all bills were turned over to Transworld collections I noticed the bill on my credit report and called and paid the bill immediately but also wondered why they did not use the debit card on file or XXXX card to pay the bill.

Company response to consumer: Closed with explanation