BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had several student loans with FedLoan Servicing that went into default. I entered and completed a rehabilitation to get them out of default. Once they were out of default, I applied for a consolidation. Now all of my student loans are consolidated under XXXX XXXX as the servicer. My new consolidated loan is accurately reported on my credit reports. However, FedLoan Servicing has not updated my information for the old loans. They still appear as if they are open and delinquent and as if I still owe a balance to them. I have tried to get this fixed. I have emailed them all of the information and have still received no response. I reached out to XXXX XXXX and they told me I had to deal with FedLoan to fix it. This is keeping me from getting approved for a mortgage loan and it is tanking my credit score. The mortgage loan officer told me the loans are showing as if they are currently in collections. Please fix this immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Nelnet, 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: Account status incorrect

Complaint:
NelNet has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.

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 2022-01-27
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: Account status incorrect

Complaint:
XXXX has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-07-21
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed on my credit report a collection account from Franklin Collection Service. I contacted them and requested a detailed description of charges as well as a signed document with the medical provider. The collection agency contacted XXXX XXXX Hospital and the hospital released to the collection agency a third party, my medical history, procedures, and tests without my consent. They did not send me a signed document from the medical provider. I feel that my rights have been violated. I never received a bill or notification from XXXX XXXX Hospital and this bill was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX XXXX veteran when they issued the loan at the interest rate of 22 % instead of at 7 % which I am eligible to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Tuesday, XX/XX/2018, I responded to a request of Trans World Systems Inc. ( TWSI ) for payment for this alleged debt of {$400.00}. 

I did not personally incur the debt. The debt was allegedly incurred by my adopted son, XXXX XXXX who was having some problems with the XXXX XXXX XXXX XXXX XXXX, and the said debt was forgiven by the Court, in XXXX County , Florida. 

On Tuesday, XX/XX/2018, I provided TWSI with proof that the debt was forgiven by the Court. At your request, I can provide you with the proof that I sent to TWSI. 

Once they received my response they were mandated by law, to refrain from contacting me again until they provided me with the proof that I was indebted to them. They did not. 

Now, 21 months later they have started contacting me again about the same debt. 

I submit, that when they failed to send me proof of my alleged indebtedness, they could no longer contact me about the said, alleged indebtedness. 

Also, they are also precluded from listing the debt on my credit report. 

I notified them, in writing, that I will be notifying the FTC of their attempt to resume collection of this alleged debt. 

And, if they had listed the alleged debt on my credit report, I demanded from them, that they remove it. 

Thank You. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2017-07-21
Company: Experian Information Solutions Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
To whom it may concern, I had paid off an XXXX XXXX credit card through XXXX XXXX. I made an agreement to pay in full to satisfy the payment history. I made the full payment of XXXX on XXXX XXXX 2016 and they still have satisfied their promise. I have tried numerous time to make contact with the current person from XXXX XXXX card services but I am never able to receive assist. I am making a complaint today because Experian disputes results say that it was update and its was not! This account is still reporting inaccuracy it states that in XXXX I failed to pay, but it was paid off in XXXX. No one seem to care about the fact that this account was promised to be removed with full payment. I spoke with XXXX from Experian and like always unwilling to help! Can you assist me on making sure that I have been treated fairly.

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 2022-06-14
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was with XXXX XXXX with auto pay for monthly loan payment. On XX/XX/2022, XXXX XXXX informed me that the loan processor is changed and the new loan processor will be shellpoint financial and they will communicate with me, but I didnt get any notification from shellpoint financial with the new account information to make payment. I was under impression that the previous lender might have transferred all of my information until I received a certified email stating that I was behind on my payment. 

As per the notification received by certified mail, I made payment on the same day and setup autopay for the future payments. The lender had multiple means to communicate with me like my home/cell phone numbers as well as my emails but I have never received any notification or voice message via those means and the lender reported me to credit report agency stating that I was late on payments.

I am meticulous with my finance and never been late in my payments. Your office can check my credit history and you will notice that I don't have any history of late payments. 

During this era of communications they had all my information from the previous lender, how come they couldnt reach me through mail, email or phone call or text.It is the negligence on the part of the lender and I shouldnt be penalized for their mistake. 
I firmly believe that it was the negligence or slackness on the part of lender to reach me and I shouldnt be penalized for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank Of America continues to report inaccurate information on my credit report account is being reported late

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 2022-01-27
Company: Experian Information Solutions Inc.
State: MA
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I usually pay my monthly rent through online banking at Bank of America. 
On XXXX and XXXX I made two payments of {$3500.00} through the Bank of America app that ended up in the account of someone I do not know, I have never had contact with and whose bank information somehow made it to my account. I verified that this individual ( XXXX XXXX XXXX who apparently has an account at Bank of America has never made or received a transaction from me before. I suspect either there is fraud or a banking error on my account. 
I filed two claims with Bank of America on XX/XX/XXXX for the two payments. I have not received any updates since then. I was told in store that the only way I could get the money bank is if that supposed individual agrees to hand it back. 
After more than 10 business days of 'investigation ', I still did not receive any provisional credit.

I believe the Bank is in violation of Regulation E which requires them to give provisional credit if they can not complete their investigation in 10 business days. Moreover, since that payment was clearly an 'error ', by Regulation E the Bank should refund the money. Finally, as I do not know that individual, I believe there either fraud or banking error on my account.

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 2022-01-27
Company: EQUIFAX, INC.
State: TX
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Suburban credit corporations trying to collect on the debt over six years old in the state of Virginia. This is a medical bill which is out of the statue of limitations to be collected on. This has been reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX, XXXX. : Account # : XXXX XXXX XXXXXXXX : Account # : 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 2022-06-14
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Additionally, I have contacted the bankruptcy court that the respective credit bureau is advising verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: TX
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-04-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX I opened an account with XXXX XXXX in XXXX the account was closed. Its now XXXX and Ive tried to have the account removed from Equifax they stated they cant remove the account even though its well over 7 years. I called XXXX XXXX and they cant even find me because the account is so old. This information only exist on Equifax and not the other credit reporting companys. I want it removed from my account its well over the statue of 7 years and they refuse to remove it. I disputed it a few times. XXXX XXXX said they cant even write a letter to Equifax because my account doesnt exist anymore. Same with the XXXX on my credit report with Equifax. Account doesnt exist anymore since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to have this account deleted from my Equifax report XXXX XXXX XXXX XXXX as this account is passed the Staute of Limititations for reporting. Equifax continues to re-age the account. Which is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: TX
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 XXXXXXXX on all accounts, had violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card 301 account under an open end consumer credit plan as late for and purpose.

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 2021-02-06
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAVALRY PORT is claiming that I owe them {$2000.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation