BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.

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 2022-01-04
Company: CREDIT ACCEPTANCE CORPORATION
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:
XXXX financed with Credit Acceptance. Paid 66 payment on time. Traded car to XXXX XXXX XXXX, who gave me an affidavit of payoff paid but they sent amount to wrong lienholder, XXXX XXXX XXXX. My credit report showed 30 days late, bringing down score XXXX XXXX XXXX sent letters to show their responsibility. Score still shows paid but 30 days late. ( am not responsible for this actin destroying my credit.I have tried to contact credit acceptance, XXXX, etc. ..no change. Credit ruined by XXXX XXXX XXXX XXXX XXXX ... Then, they tried to " fix '' the additional problem of elder abuse without " fixing '' it ... ..XXXX XXXX  fraudulently sold me a defective car as well, costing me {$2000.00} more and getting fraudulently getting {$2000.00} from 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 2017-07-21
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX visa that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency 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 2020-04-21
Company: EQUIFAX, 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:
attached ftc was sent 3 month ago so did another one will continue to do so until the ftc removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: NCB Management Services Inc.
State: TX
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 NCB MANAGMENT SERVICES added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA NCB MANAGMENT SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Information reporting error on 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 2021-02-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROM WHAT I AM ASSUMING IS A 3RD  PARTY THAT PURCHASED THE LOAN FROM XXXX XXXX AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX EQUIFAX/ XXXX  AND NOE  OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 I have filed a direct dispute with XXXX failed to protect my consumer rights they also failed to do a clear investigation and did not provide any proof to me I am a. Victim of identity theft as the supporting documentation can attest as such it should be clicked from appearing on my credit report.pursuant to. Section 605 B of the hair credit reporting act Im now taking full action to sue XXXX And Transuion for failing to comply and also failing to delete fraudulent information and they did not protect my consumer rights also Transuion failed to remove all fraudulent hard inquiries and open accounts that were opened without my consent as I did supply police report and theft affidavit

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: Ad Astra Recovery Services Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My account with AD ASTRA RECOVERY SERVICES, INC. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and XXXX. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I filed a dispute with my bank Chase, after the date of XX/XX/XXXX, because XXXX overcharged me for a ride that they did not show proof nor was it accurate. My bank came back on XX/XX/2020, and they reversed this charge for {$44.00}, and XXXX has not shown me proof or shown my bank proof that this is accurate charged amount, and so I'm being charged an extra incorrect {$44.00} amount, and there has been no remedy, no correction, and this is inaccurate by XXXX, and Chase should be properly handling this, but they aren't, and so I have not gotten a notice. The original ride that I was supposed to be charged for by XXXX was supposed to be {$23.00}, which the extra {$44.00} is incorrect, making the ride {$68.00}, the original ride for XXXX was originally {$23.00} dollars, but Chase has not gotten any proof or correction from XXXX, and I have not either. There has been no follow up, and this issue has not been properly resolved with my bank, Chase, and XXXX, and so I would like to please ask for your assistance, will you help me in this matter? Thanks.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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 XXXX XXXX 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 an 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 2022-06-14
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 XXXX. XXXX XXXX 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 an 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 2020-05-06
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had 2 deferrals due to impact of corona virus each of 3 months starting payment of XXXX till XXXX. I needed to cancel the deferral and refinance with another entity so I called the bank of America XX/XX/XXXX to cancel the deferral they told me I have to make XXXX payment to cancel it which I did, they took the money and misleadingly put it towards future XXXX payment. 
I called again on XX/XX/XXXX to double check I'm not on deferral they told me I have to pay the deferral amount which I did a total of 6 months. 
I call them every day spend 7 hours every days for 10 days now to stay on hold and they transfer me to different people but still they do not apply 2 months payments I believe they did that to prevent me from refinance to another bank. spoke to managers I have names, made complains they keep telling me its not in their hand. 
I keep paying fees for extension of the loan closure that I have with the new lender and the lock date is XX/XX/XXXX I feel I'm taken as a XXXX they had their money from XXXX of last month I keep paying for fees everyday and they keep making interests on my money. 
they promised me to apply the payments 4 days from the XXXX but they didn't. 
please help me switch my lender its affecting my life and my family.

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 2022-01-27
Company: AES/PHEAA
State: CA
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'm currently pursuing PSLF through FedLoan Servicing, and they have completely erased my entire history of PSLF payments. 

In XXXX of 2021 I was at roughly 82 qualifying payments towards PSLF ( pre-waiver rules ), but should be near or at forgiveness when the Limited Waiver is applied. However, as of XX/XX/2021 FedLoan has erased my entire PSLF history and it is now set to 0 with no explanation, especially in the context on the new Limited Waiver. 

I originally filed a complaint through the FSA with the Ombudsman, who helped get my pre-limited waiver PSLF payment counts to that 82. When my PSLF payment count dropped to 0 in XXXX I filed a new complaint with the Ombudsman, but they have put my request in " pending '' status and say that the error is " stuck '' with FedLoan. I have not been able to get any help from FedLoan or the Ombudsman in moving my complaint case forward. 

I am asking for my payment counts to be restored and for the limited waiver to be applied to update my now eligible past payments as I am either near forgiveness or should already have my loans forgiven under the PSLF Limited Waiver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Self Financial Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Installment loan of {$520.00} was paid off and the company deposited the amount {$120.00} and {$400.00} was on the credit card. The company closed the account completely and have not reimbursed me the {$400.00}. I have been calling daily and have not been able to get in contact with the company. Holds times are hours at a time. I want to be reimbursed for the {$400.00}. Now, its tell me to pay the minimum of {$25.00} and available will be {$370.00} on the website. I would like this account to be closed and refunded. Requesting that the company do not report anything negative to my credit report.

Company response to consumer: Closed with explanation
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 XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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 XXXX XXXX XXXX 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 an 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 2017-07-21
Company: Rent Recover, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I keep getting on again off again calls from Rent Recovery. Rent recovery was discharged in my bankruptcy XX/XX/XXXX. I get calls telling me to pay my bill and that I need to learn how to pay bills from irate people from rent recovery. I was told if I keep being harassed I can sue this company for 10 times the amount they say I owe once bankruptcy has been discharged if I keep getting calls or they try to open up new collections on my credit report. Rent recovery opened a new collections on my credit report XX/XX/XXXX. and this has prevented me from getting a home or apartment. I am recovering from a XXXX and can not be XXXX at any level and this company is a XXXX threat to me. I have sent letter to company asking them to remove themselves from my credit reports and no reply by.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: MO
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've been patient... I've been kind. I've been writing Experian for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. Their 30 day investigation took only 8 days to complete and respond ( including mail time ). What a joke. They didn't investigate anything. Didn't even bother with updating the dispute status to reflect the accounts being disputed. I'm uploading the letters to prove it. My next move is to go to small claims court since Experian will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. Experian 's business model seems to be to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

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: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer is Select Portfolio Servicing, Inc or " SPS ''. In my monthly statements I have been charged {$190.00} for " unpaid late charges '' and {$290.00} for " other charges and fees. '' I was not sure what these charges were for as I am currently up to date on my mortgage. I contacted SPS and the representative advised that part of these charges were transferred over from my previous servicer, XXXX, when the mortgage was assigned to SPS in XX/XX/XXXX. She advised that when the mortgage was transferred there were {$190.00}. XXXX in late charges and {$150.00} in " other charges. '' She also claimed that there were three additional late charges of {$29.00} for XXXX, XXXX and XXXX XXXX and three {$15.00} inspections for the same months. However, I do not think this is correct and that these charges may be a mistake. When my mortgage was transferred to SPS, I was current on my payments and had taken care of any previous fees. I did fall behind on my mortgage a couple of years ago and then reinstated it. When I reinstated my mortgage the representatives advised that I had paid all of my late charges, so I do not understand why I am now being charged for unpaid late charges for those months in XXXX. In addition, the representative from SPS assured me that the {$15.00} inspection fees would be waived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation