BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: HI
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:
Back in XXXX of XXXX I sent a written dispute to Equifax via XXXX XXXX mail tracking # XXXX which they received on XX/XX/XXXX, regarding the following collection account : XXXX XXXX XXXX - Account # XXXX for the amount of {$2400.00}. The original creditor for this collection account is XXXX XXXX XXXX. 

The results that I received from Equifax dated XX/XX/XXXX, regarding the account were that they modified the comment section ; I disputed this account again and the 2nd results dated XX/XX/XXXX, came back as verified therefore it still remains on my credit report. 

I have also written to XXXX XXXX XXXX and to date I have never gotten a response regarding this collection account. At one point this collection account was also on both my XXXX and XXXX credit reports as well. I disputed the account with both companies, and they deleted this account from my credit profile. Equifax has failed to do the same. 

I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX any money at all. XXXX XXXX XXXX took me to civil court in the State of Hawaii at the XXXX XXXX in efforts to sue me for {$2400.00} back in XXXX of XXXX. The courts ruled in my favor and the Judge dismissed the case with prejudice on XX/XX/XXXX. 

When a case is dismissed with prejudice, the plaintiff is barred from filing a lawsuit on the same issue at a later date. Therefore, there should have been no further collection activity towards me. 

I have been dealing with the negative effects of this for 6 years. I am a single mother of 5 and it has prevented me from many opportunities including obtaining housing in the past. This is clearly the illegal debt collection practice known as debt parking and Equifax is allowing this by continuing to report this information on my credit report. This is damaging to my character and costing me financially. 

I have attached proof of the case record which shows the dismissal from the XXXX XXXX XXXX XXXX of the State of Hawaii for your reference as well as additional documentation that supports my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a certified letter to Lexis Nexis asking to verify a bankruptcy that remains on my credit profile. This letter was signed for on XX/XX/XXXX at approximately XXXX. According to FCRA it is my right to have them verify these items and they had failed to do so. Not only have they failed to verify but they have willfully violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a XXXX credit card issued through XXXX XXXX. I just received a statement showing I had paid the previous balance in full and on time, but I was charged {$1.00} in interest charges. I called XXXX and was told that the bank that issues the card, XXXX, charges a " trailing interest fee '', but only for the time between the time they mailed the bill to me and the date they received my payment. Thus, they want {$1.00} in interest charges even though my bill was paid in full and on time. XXXX removed the fee and I cancelled my account. I am concerned that if this fee is legal, it should not be. I am also concerned that others are not catching this extra fee and paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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:
I RECENTLY DISCOVERED A FRAUDULENT ACCOUNT BY XXXX XXXX XXXXXXXX ( PARTIAL ACCOUNT NO : XXXX ) IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION OPENED A XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN A SECURED CREDIT CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: EQUIFAX, 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:
Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home XX/XX/2021 using XXXX XXXX XXXX. The property taxes were paid from the closing to XXXX XXXX XXXX ( Texas ). 

My previous lender, PNC Mortgage, also paid the property taxes from my escrow account through a third party XXXX in XXXX, Texas. 

XXXX XXXX https : XXXX recorded the payment from XXXX XXXX XXXX XXXX I have contacted XXXX XXXX XXXX XXXX, they indicate they send the payment back to XXXX who would return to PNC escrow to return to me. I have been in contact with all three companies by telephone, email, and online multiple times to identify their process and recover the overpayment in property taxes of approximately {$8200.00}. To date, PNC Mortgage still tells me to wait- they havent received the funds. I have asked each of these companies make notes of my call and the situation. 

I would appreciate review of processes of the companies and tax office in this complaint to assist in recovery of my overpaid taxes. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called Lvnv Funding LLC today in regards to a debt for XXXX $ that is reporting to my credit. I spoke to 2 people the first person offered to take my payment in full but stated that they do n't actually service my account. When I asked who does they gave me multiple names of company. I was informed that this debt was a purchased debt that they have had since 2015. I stated that due to lack of communication from the company that I would like to have this deleted from my credit and asked how that can be done. This rep was unable to tell me if any letters were mailed to me and that they wait for the consumer to contact them before they send out notice of collection agency placement. I advised that I felt like this was a violation as I was never given a 30 day opportunity to dispute. He placed me on hold and had me speak to XXXX XXXX, senior customer service manager. I asked her to provide me with a date in which communication was attempted and she stated that I needed to put that request in writing and that they would send me a letter. ( to me this would mean that they will then attempt communication ) She told me that the original creditor would have notified us that it was placed, and denied responsibility of the collection agency to do so. She then gave me the name of a different account servicer and said that they had placed my account with multiple servicers. She confirmed that she could see my account history and but still would not provide me with dates in which communication was attempted. I then requested to speak to her higher up and she kept saying that would be unnecessary, then said she was on lunch that she would take a message for her despite the fact that the supervisor ( XXXX XXXX ) has a voicemail. They also claimed that this debt was purchased directly from the original creditor however according to her they obtained it more than 2 yrs after it was charged off. When I started questioning how they purchased it directly from the creditor if there is such a large gap in time, she then stated it was probably with a different collection agency. To me this means that she is providing false information as well to make it sound more credible. And she said that she works for resergent?? How many company 's are truly attempting to collect my debt??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS is my loan servicer that was tranferred from XXXX XXXX XXXX. In XX/XX/XXXX I filed a Ch.XXXX bankruptcy on XX/XX/XXXX our bankruptcy was paid in full and discharged. On XX/XX/XXXX I recieved a letter from SLS stating that we were late on our mortgage payments. I contacted SLS and XXXX XXXX XXXX on XX/XX/XXXX. SLS says the loan came to them behind on payments. XXXX XXXX XXXX says that we still owed fees from the bankruptcy and they collected the fees in XX/XX/XXXX after we recieved a modification. I would like to get a complete payment history from SLS and XXXX XXXX XXXX We successfully paid the terms of our Ch.XXXX they ca n't come back and say we owe money. I would like to get this matter resolved.

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 2022-06-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my Experian, XXXX and XXXX credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).

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 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem getting your free annual credit report

Complaint:
Tried to access my credit report for the first time so I can start to build my credit and it is stating my information is n't matching. I have never established credit and know I am entering the correct information I am now concerned my identity has been compromised and need assistance on how I can speak with someone to get this taken care of.

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 2017-08-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Im disputing all late charges as well as negative credit derogatory by Santander bank. The late charges staring in XX/XX/XXXX to XX/XX/XXXX. These actions are due to poor customer service retaining information I provided them on my change of address. This institution has locked me out of my online banking making it impossible to make appropriate payment. This state does not have a Santander branch so this was my only method of payment other than using the postal service. However, I have not received a statement and I cant go online to access the account. How do I know what to pay? 
As of XX/XX/XXXX I was current on my payments. In XX/XX/XXXX I called Santander because I did not receive a statement and I discovered my online account was locked. Customer service told me that my address was inaccurate but I never received a courtesy phone call on the matter and I do have a piece of mail I received from them that month. So why Im not getting a billing statement is a mystery. My account at this point was past due but the issue was the amount past due. The rep told me I owe approximately 1500 in which I thought was outrageous. I wanted an explanation but the rep could not give me a valid reason. I could not pay the entire amount and have been playing catch up at the same time compounded with late charges and late payment reporting. I asked Santander customer dispute department for help in resolving the matter without the penalties and reporting but it all fell upon deaf ears. At this point I get 3 phone calls a day and constant letters about my next payment. Threats on losing my house because of failure to make payments.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$270.00}, 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 consent

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 2022-01-19
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Account rehabilitated and shouldve been deleted, loans being handled by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i was recently a member of a health club at the beginning of the year, after that i became ill and was not able to use the membership, i contacted them and told them what was going on and i wouldnt be able to utilize my membership. they were rude about the whole situation. i called corporate and they were even worse, telling me it wasnt there fault that i became ill ( which i never argued that it was ) also there was nothing they could do about. i mean if im sick and cant utilize the membership and wasent at the time i should have not been charged for something. so iv recieved phone calls nearly everyday about how im going to be taken to court if i didnt clear the debt and for some thats really scary, i have kids so knowing or feeling like any day i could be served all because i could not keep a membership with a gym is kind of crazy and receiving threaten phone calls is beyond me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$270.00}, 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 consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have filed complaints against XXXX XXXX XXXX since 2017 for false claims that I and my wife owe them money. in fact XXXX owes me thousands of dollars for being paid money for credit repair that never occurred. 

XXXX  has repeatedly falsely claimed that I and my wife owe them XXXX and now they are using a so called law office to threaten me and my wife. 

XXXX along with the law office of James r vaughn need to be investigated for the following : 1. deceitful communication tactics related to credit repair 2. false statements via electronic means 3. harassment via electronic means 4. threatening behavior via electronic means 5. fraud for stealing from service members under the false claims that credit will be repaired 6. stealing money from Veterans and service members for services not delivered, i.e, credit repair.

7. false claims related to marketing : that if you are not satisfied with their services you do not have to pay any further.

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 2022-06-21
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an entry on my XXXX credit report that appeared in XX/XX/2022 from SA-VIT XXXX XXXX  collections agency for {$240.00}. This debt does not belong to me and it should be deleted from my credit report. I mailed this company a debt validation letter on XX/XX/2022, asking them to validate the debt or delete it from my credit profile. I am attaching a copy of this letter to this complaint. As of XX/XX/2022, I have not received a written response from SA-VIT XXXX XXXX nor has this invalid entry on my XXXX been removed. I am asking that you please ask this company to delete this entry from my XXXX credit report as it is not mind and they have not proven the validity of this debt.

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 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a transfer to XXXX, and the bill said that it could arrive on XX/XX/XXXX or even earlier, but the XXXX side has not received it now, and it does not work to go to the bank to ask

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 2017-08-22
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, ( Nationwide Recovery Service ) which I hold no contract with nor have received services from, reported collections against my SSN in the amounts of : {$50.00} ; {$50.00} ; {$50.00} ; {$50.00} ; {$130.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested on several occasions verification of the debt and accounts, however the business has failed/refused to provide adequate proof. This business does NOT have a contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation