BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-19
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Received a loan through XXXX XXXX XXXX, who in turn hired BSI Financial to service it. XXXX properties, XXXX loan. The servicer has repeatedly demanded I pay insurance on the properties even though premiums were collected a year in advance at the time the loan was made. XXXX is again threatening force-placement, and repeated attempts by my rep at XXXX XXXX to correct the issue have not yielded results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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:
I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. XXXX  XXXX BAL XXXX {$15000.00} and XXXX XXXX BAL : {$3300.00} On all 3 credit bureaus. 

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
please see letter attached

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 2017-05-27
Company: Stuart-Lippman and Associates, 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: Old information reappears or never goes away

Complaint:
I have   XXXX   accounts  with Stuart Lippman that I d isputed, due to the fact that these are payments to an insurance company for money owed to credit unions. I currently pay this money every month to a clerk of courts. After I filed the original dispute back in  XXXX  around the  XXXX , of  2017 ,  XXXX  accounts were removed from my credit files. However, around  XXXX   XXXX ,  2017   XXXX  of the accounts were added back to my file without my knowledge.   In accordance with t  he requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency.
I received no such notifications  . This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: National Enterprise Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company called me today X/X/2017 and asked to speak to my wife. After asking why, representative said that it was a personal matter. They keep calling me 24/7, and will never stop. Keeps using XXXX  phone numbers to keep calling me, examples are XXXX and XXXX. They are doing this, because incase I block them intentionally, they will try to call me back with another number locally. I want this company settled. Also, representative was very rude to me, and demanded to speak to my wife. I do not have a account nor my wife has one with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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  Account XXXX XXXXXXXX ( Original Creditor : XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
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 ( Original Creditor : 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 explanation
Consumer complaint received 2022-07-07
Company: Navient Solutions, LLC.
State: WA
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:
I was advised in XXXX that if I consolidated my loans, after graduating with my XXXX XXXX XXXX in XXXX, I would be able to have the balance forgiven after 10 years of payments, under an Obama plan. I believed the loan servicing company and consolidated my loans. I had been paying on the loans since XXXX. I went back to school to get a XXXX XXXX XXXX in XXXX XXXX, I graduated in XXXX of XXXX. In XXXX of XXXX, my husband was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called about getting part of my loans forgiven because I had been paying on them for 10 years. I was told there was no such thing as student loan forgiveness, and I was lied to and I needed to consolidate my loans again to lower my payments. I consolidated my loans and about 2 years later I started hearing that loan forgiveness and cancelation was a real thing. My loans were in income-driven payment plans for 13 years, and I assumed that I was well on the way to loan forgiveness. Fast forward to a week ago when I called XXXX and was informed that every time, I consolidated my loans I started my repayment period towards loan forgiveness over again. I was never informed that I restarted my loan payments to forgiveness each time I consolidated. Each person I talked to told me that I had to consolidate my loans to be able to put them in an income-driven plan. I have been trying to pay off my loans but with the lies, deception, and predation by XXXX XXXX XXXX I now owe {$170000.00} and I am unable to purchase a home because of my debt. This is unfair and there is no way I can ever pay this debt off with a XXXXXXXX XXXX income, I also can never buy a house because of the amount of student debt I carry. I was informed consolidation was the only way to make my payments qualify for income-driven repayment plans and the only way to continue my payments to forgiveness. I was told to continue the number of payments, not restart the number of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2021, XXXX XXXX XXXXXXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2017-08-19
Company: Pendrick Capital Partners Holding, LLC
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a XXXX dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been XXXX XXXX XXXX XXXX but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from XXXX XXXX XXXX XXXX, representing Pendrick Capital Partners LLC who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. Pendrick Capital Partners LLC 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX XXXX XXXX XXXX XXXX is asking me to pay them {$880.00} which is likely the original bill for the ambulance. They have sent me XXXX paper debt collection letters, XXXX in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the XXXX XXXX due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Experian Information Solutions Inc.
State: FL
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 was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help 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 2017-08-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I was working with Navient on my private student loans. net over documentation several times to them uploading through their portal and sending via email ( at least 5 times ). Each time, they claim non receipt. All while this is going, they told me that my account is being place in forbearance and there would not be a payment as they are reviewing the documents and setting up my payment plan. I kept calling only to get wither your paperwork was not received again or it is with the VP for review during his monthly review of accounts, however, have no worries as they will accept the payment arrangements we have established. Long of short, I called after my credit report showed 90 days late. Today it is showing 120 days delayed. This is inaccurate as I have paid monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, PNC bank withdrew {$3200.00} and charge a fee of {$100.00} from my savings account. I called and was informed it was court order. 

They sent me a copy of the letter which was printed with the XXXX XXXX government letter however, the address and phone number belongs to a collection agency. 

PNC withdrew money from my savings account without verifying it was from XXXX XXXX government and failed to verify the amount if indeed it was from the county. 

They also failed to notify me in a timely manner, I received the letter from PNC on XX/XX/XXXX after they money was withdrawn. 

I've sent them an email about this matter and I've called, XXXX, person in responding to my complaint but each time I've called, she has not returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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 ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Approximately 6 years ago, I was going through a divorce after being a XXXX for 16 years. Having XXXX children in college and desperately needing money, I accepted a credit card from Wells Fargo. Sadly, I used to pay bills which led to me reaching my max amount very quickly. Everything was fine until I missed a payment and my minimum amount was increased to a point where I could n't afford to pay it anymore. I tried calling to make different payment arrangements and was told " use your tax refund to pay us ''. I have struggled so much financially and emotionally over the past several years and they only made everything worst. Now they sued me, put a lien on my house, and are garnishing my wages even when I do n't even make enough to pay my bills. I feel Wells Fargo targets people like me who are vulnerable and desperate. They knew I no income and still issued me a card knowing that owned a home. They took advantage of my situation based on the information they have about the equity in my house ( they are my mortgage company. I hold my self responsible, but I also want something to be done to prevent other people from going through suffering an experience like this. Wells Fargo should not issue credits cards to people who are not employed knowing that they can after their property.

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 2019-11-26
Company: The Best Service Co.,Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Best Service Company in collusion with XXXX XXXX XXXX XXXX XXXX XXXX is reporting a debt on my credit report that is not owed. I do not have and never had an account with these morons.

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 2022-08-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I don't understand why it indicates collections when I thought it's all good. This is absurd! I've never made this to happen Additionally, the account is displaying false information. The dates of opening, last reporting, and last activity are false! IT'S ALL DIFFERENT!!

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 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help 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 2017-08-19
Company: TD BANK US HOLDING COMPANY
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:
I opened an account with target, and that same day, I acquired merchandise worth of approximately {$300.00}. Then, weeks later I tried to pay my balance with my account number given because Target had failed to send me a tangible credit card, this was my only choice to pay dues. However, this when the problems arise. Suggested by a store rep, I waited until I receive the card 's statement ( still my card was n't sent yet ), and in it, it showed purchases and payments not incurred by me. I contacted Target to resolve the issue that I did n't create, but it failed to help or remove it. Target 's Negligence has affected my personal and business goals. I have attempted to obtain credit for XXXX XXXX, but due to that wrongful report, I have n't being able. my business has n't being able to grow, therefore, provide for my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-20
Company: Experian Information Solutions Inc.
State: ID
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:
I have disputed the information on my credit report for date opened and they will not change it. The date that they have listed is the day they bought the past due balance from XXXX XXXX XXXX. By law the date opened is the date XXXX opened the account. If the date was made correct it would be past time to be off all my credit reports. Also i would like them to provide me with a copy of the contract of original loan from 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 2022-07-07
Company: EQUIFAX, INC.
State: MT
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$6200.00}, XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1900.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$450.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$270.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$350.00}, and XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$310.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation