BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: AL
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 submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that were not authorized! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EMCC Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ( Equiant Financial Service ) offered me and my husband a timeshare while on vacation to XXXX XXXX, Nevada  in XXXX XXXX, 2019. Under consideration, we completed the application process but the following day decided not to move forward with the contract. We was given five days to cancel without penalty. After many attempts to reach XXXX, the number provided was incorrect. I finally located a valid number, contacted XXXX, to proceed with canceling the contract ( loan ). 

I was assured by the representative it was canceled. However, I found a charge on my XXXX XXXX and XXXX card where a transaction was processed without my authorization. I disputed these transactions and was given a full refund as the investigation deemed I was not liable. The company, XXXX was notified. However, months later, during an application for a home loan, I was notified there were derogatory marks on my credit report for the timeshare. 

The company XXXX has not provided documentation as requested confirming cancellation and refuse to provide any legal document, confirming there is a contract. Moreover, after many attempts of contacting them in XXXX, the representative and supervisor refused to provide documentation and only requested I pay a large sum of money to satisfy a debt, that is not legally mine. 

They refuse to further assist me. I am seeking immediate resolution to remove EQUIANT FINANCIAL SVCS XXXX TimeSharedLoan XXXX11fXXXX all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Experian Information Solutions Inc.
State: MD
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:
charged off in bankruptcy ; no longer obligated to 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 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.

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 2022-08-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made attempts to contact them to notify them that this debt was being reported on my credit report and that it didnt belong to me. I have disputed it with XXXX, XXXX XXXX and XXXX and this company is reporting falsely. My confirmation number for my disputes are XXXX .I explained I may be a victim of identity theft however they are still reporting negative. I do not owe this debt and if they find me in error Id like a contract bearing my wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Account information incorrect

Complaint:
I have disputed in accurate information on my credit report, and Equifax, XXXX or XXXX has failed to properly communicate or respond back to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and TransUnion continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

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 2020-01-09
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a letter for a debt We agree to the monthly payment. 
As our agreement, I make my first payment on XX/XX/XXXX. 

The next payment should be on XX/XX/XXXX, but in the time I received a notification from XXXX saying this company sends me to the collection when they do promise me by phone they won't If I do accept a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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:
A bankruptcy is not allowed on my credit report after file date for more than 10 years. This is wrongful hurt to an individual when they allow it to stay on longer. Experian will not remove even though the other 2 credit reporting agencies did. This is vengeful on their part and Im not going to allow it.

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 2022-06-15
Company: EQUIFAX, 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 XXXX XXXX whom resides at XXXX XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer and has reached out to these companies XXXX times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. Here are the XXXX XXXX # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XXXX2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions 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:
There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$3700.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$11000.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$7300.00} XXXX XXXX- Acct # XXXX Amt {$6600.00} XXXX XXXX- Acct # XXXXAmt {$9.00}

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 2019-11-16
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I HAVE 2 LOANS WITH ALLY FINANCIAL. THEY PUT IN LOANS WITH RATES HIGH, AND TERMS WERE NOT DSCLOSED TO ME CLEARLY. THEY PREASURED ME IN TO BYING A SECOND CAR. 

I RECENTLY GOT BE HIND ON BOTH LOANS DUE TO A COURT BADLE ON MY CURRENT JOB AND HARRASMENT. 

THE INCOME PROVIDED WAS NOT ENOUGH FOR THE LOANS TO BE MADE TO MAKE THE PAYMENTS YET THE DEALER AND LENDER PUT ME IN THE LOANS KNOWLING KNOWING MY SITUATION AND OVER PRICING THE VEHICLES AND SOWING THEY GAVE ME HIGHER AMOUNT ON MY TRADE IN.

I GOT 4 PAYMENTS BEHIND ON MY VAN PAYMENT ABOUT {$400.00} A MONTH, CURRENT BALANCEAST DUE IS {$1600.00} AND BORROWED 3 PAYMENTS IN AMUNT OF {$1200.00} FROM MY BEST FRIEND, LEAVING 1 PAYMENT ON MY XXXX  XXXX XXXX. 

THEY SAID THEY ARE STILL REPOING MY VAN WITH 1 PAYMENT DUE. WHICH IS ONLY DUE NOW AND NOTLATE.

I FEEL THEY ARE DISCRIMIATING ON ME AS A SIGLE XXXX  MOTHER OF 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 2022-06-15
Company: EQUIFAX, INC.
State: NY
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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have my rights 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 2018-03-22
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
From XX/XX/XXXX to XX/XX/XXXX Navient tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to Navient and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Army and Air Force Exchange Service
State: CA
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:
XX/XX/2013 a XXXX account was opened with military star. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score

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 2020-01-09
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was closed due to a XXXX balance for a couple months but I was not made aware that this would happen. Also, I enrolled for a {$250.00} bonus offer ( see attached ) and completed all the requirements but never received it.

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 2022-01-28
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My lender has been applying my payment to interest only and splitting the loans applying daily interest and charging me for the balance of the total loan offered. Despite the fact that I returned or only borrowed a portion of the original loan. My consolidation company has used the amount of all loans and applying that rate toward interest, by doing so the loan has been extended numerous times. I have been paying for this loan since 2006 and the loan balance has not changed. They are churning and creating new loans and using my original agreement to extend the contracts for another loan. This has happened numerous times as the original loans were for 72 months. I did not agree nor was I advised that this would be happening for the next 14 years of my life. I have tried to work with them but they offer a new loan agreement which would extend my loan payments further and do not offer to change original terms. As a private loan servicer they have no government oversight as consumers we have no rights or ability to change anything they only offer more loan products to extend the life of the loan and we are penalized for making payments late and or not agreeing to their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been affected by the Corona Virus, and can not pay my mortgage. I would like for my payments to be deferred. My mortgage company is telling me that I would have to pay all of the passed due payments at once. Why cant the payments be pushed to the back of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: American Payment Holdco, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
When XXXX XXXX closed my account ( account # ending with XXXX ) in XX/XX/XXXX, they decided to return the overpayment amount of my credit card of {$1200.00} electronically back to CheckFree Pay/Fiserv instead of sending me a refund check on XX/XX/XXXX. CheckFree Pay/Fiserv advised XXXX XXXX that I would be required to return to the location where I originally made the overpayment ( XXXX ) in XX/XX/XXXX to collect my refund and provided the trace number XXXX. But when I went back to the original payment location ( XXXX ) to collect my refund, none of the XXXX representative ( including the manager ) recognized the trace number and told me to contact CheckFree Pay/Fiserv. On XX/XX/XXXX, I then contacted CheckFree Pay/Fiserv External Customer Service Department at XXXX to address this issue and even confirmed with XXXX Customer Service Department about the refund of {$1200.00} as per CheckFree Pay/Fiserv protocol. On XX/XX/XXXX, I followed up with CheckFree Pay/Fiserv and escalated this issue to their Internal Department ( ticket # XXXX ). On XX/XX/XXXX, I followed up again with CheckFree Pay Customer Service Manager and was told that they still have no resolution as they were unable to locate my refund. On XX/XX/XXXX, I followed up again with CheckFree Pay/Fiserv Customer Service Manager and was told the same thing. I even tried to contact XXXX XXXX Solutions Department representative ( XXXX ) but he never returned my calls. It has been over 3 months since XXXX refunded my overpayment of {$1200.00} and neither XXXX nor CheckFree Pay/Fiserv can locate my money and that is why Im filing this complaint. Essentially, my money is now caught in a limbo between XXXX who claimed that they already refunded my money to CheckFree Pay/Fiserv but provided a bogus trace number that neither CheckFree Pay/Fiserv nor XXXX ( payment agent ) can recognize and CheckFree Pay/Fiserv who is unable to locate my refund in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CBC Companies, 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:
My information was stolen years ago and I've had to file several reports to remove the inaccurate accounts from my credit file. No results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After depositing a payroll check, the bank made available an amount which I used to make a transfer {$200.00} later. one day after, I realized they had removed the available amount, making the whole check unavailable since XX/XX/XXXX until XX/XX/XXXX, this is a company check, I have already deposited three checks from three different payroll period for the same company. As a result, my account has now an insufficient funds fee of {$35.00}, and they say the only solution is me depositing the {$200.00} in order to avoid additional insufficient funds fee. I have left the bank without a solution, without funds in my account, and with the threat of additional fee, all caused for bank errors.

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 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had fraud on my account in 2016 and Bank of America claimed my account is overdrawn {$11000.00} but I dont understand how. Theyve sent me the banking statements for that time period, but it doesnt add up and this situation is hindering me opening any bank accounts with any other banks.

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 2020-01-09
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My XXXX school student loans originated in XXXX while I was in XXXX school. I had begun my repayments in XXXX via XXXX repayment plan ( income-based ). I had also began filling our employment certifications for PSLF program and had been approved for the terms. For the first several years I was getting accurate counts for the number of payments I had made towards the PSFL forgiveness program. As of late XXXX, I noticed my monthly statements now reset and showed XXXX payments " qualifying for PSLF '', despite me continuallly sending updates each year for the " employment certification for PSLF '' form ( most recently on XX/XX/XXXX ). Over the past year and a half I have been calling myfedloan.org customer service and have been told that " this happens frequently happens to other customers as well but we are back logged and it will take quite a while to get someone to do a manual count ''. I have been told this exact phrase several times over the last year when I speak to customer service. I am hoping to reach out to you to help resolve this issue and obtain a manual recount in order to accurately obtain a PSLF payment count as I am coming close to my 10 year mark in the next few years. 

Thank you!

Company response to consumer: Closed with non-monetary relief