BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Exeter Finance Corp.
State: IL
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:
According to XXXX last checked ( XX/XX/2022 ), Exeter XXXX XXXX has violated my rights pursuant to 15 USC 1681b ( c ) ( c ) and unlawfully furnished my report and was not initiated by me. Also 15 usc 6208 ( b ) and did not inform me of the opting out. Furthermore 15 usc 1692 ( c ) ( c ) is my right and I am exercising it. The experian website is showing late payments from 5/2021-09/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. 

After this, I never received a bill for this service or any request for payment. 

While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. 

My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). 

The Patient Balance on this document is {$510.00} I never received a bill or a statement requesting any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a bank statement in the mail recently for the statement. XX/XX/2022 through XX/XX/2022. I never opened up an account with this bank but it has my name and address on the account. I called TD Bank and they connected me with their fraud line and I spoke to the lady she told me that she was gon na put a lock on the account and do what she had to do to close the account on her end and recommended I do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My account is now handled by the Equifax Consumer Affairs and I would like for it to be REMOVED. They are rude, inconsiderate and just blatantly hang up on you because I ca n't pull m info anymore. This is N OT HOW you t reat consumers!! I would like for my account to be removed ASAP! I ca n't pull my score for free or reports anymore something has happened and this was months after they started handling my account. I should be able to monitor my report and not call a rude  XXXX  department

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
OnXX/XX/XXXX2015, I took out three phones from XXXX with a family plan. A week later, I returned all three phones on the store, located at XXXX, XXXX County, Florida because the phone connections do not meet our expectations. Since I returned my phones to XXXX because the expected signals did not meet our family expectations, and I paid the appropriate fees for that transaction, and I am not obligated to pay anything to this company. However, XXXX has tried to collect a debt of {$830.00} with different collection companies. They have hurt my credit inappropriately and despite my phone is placed in " Do not call list '' they are continuing calling me looking for the " supposed '' debt. Despite, I have sent several letters requesting a Video recorded analysis in the store in which the supposed transaction was done, they have omitted this fact and they just send me bills with no signatures with my name at the top. Please, investigate this complaint and have them to remove it record from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: BYL Collection Services
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to Tennessee state licensure verification, XXXX XXXX is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of improving my credit. Original request for verification was sent certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: SC
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 applied for a credit card through Credit Karma and it said it wouldn't affect my credit scores to check to see if I was pre-approved but they ran my credit and it dropped my credit score and showed up on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 2022-03-10
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: Personal information incorrect

Complaint:
ive tried to change my address and let them know i never lived in any of the places on my credit report but they wont remove the other address of my profile

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 2017-06-23
Company: AMERICAN EXPRESS COMPANY
State: WA
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: Problem with personal statement of dispute

Complaint:
Both American Express and   XXXX   XXXX    XXXX  " charged-off '' and " written-off '' my debt. According to the definition of the above it states that both companie s Charge of f means that the credit grantor wrote your account off of their receivables as a loss.   They have both gotten judgements and put a lien on the title of my home. I am verified  XXXX   XXXX  and this has been communicated to both parties before and during legal action in the courts was taken. I have written  XXXX   County Superior Court to no avail. Although I do still owe the money, these compa nies are breaking the law by double dipping. Why the courts protect the big banks over   XXXX    XXXX  persons is a serious injustice and I would like to see accountability in this matter. Part of being  XXXX  is to say that I am no longer able to work, notwithstanding money is in short supply. As such, hiring an attorney to get these liens off of my title is not an option. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I have previously been a victim of Identity Theft. I recently disputed an account that was originally XXXX XXXX XXXX  XXXX XXXX ... .account # XXXX ... ... this account was proven to be fraudulent and has been removed from my CREDIT REPORTS several times and they keep fraudulently putting it back. It has now been purchased by XXXX XXXX XXXX one of the slimiest collection companies/debt collectors around. But this is the SAME ACCOUNT that was proven to be fraud so the XXXX XXXX  purchased a FRAUDULENT debt and has now put in on my CREDIT REPORTS again!!! all the bureaus did was update the account they did not REMOVE IT AND DELETE permanently as it should. I really think it's time to file a LAW SUIT ... ..this grimy collection BUREAUS NEVER do their jobs and protect us the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
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:
The VA has overpaid me entitlements twice in XX/XX/XXXX for {$160.00} and {$320.00}, the debt was official {$0.00} as of XX/XX/XXXX, they took payments of the overpayment out of my XXXX but yet it is showing up as a collection that was paid. The first time and only time it was reported to the credit bureau was XX/XX/XXXX. I am in the middle of purchasing a home so I was told by the VA that I need to get with the credit bureau for removal the credit bureau is telling me they can't remove without the VA consent. VA says they don't issue delete letters only letters stating the payment for the debt was received. Also, the VA says they don't do third-party calls but refuse to give the credit bureaus any form of assistance. This has been really taking a toll on our family as its holding up our closing

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 2017-06-23
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:
victim on credit inquiry and negative information reported on credit report.. I called the credit companies filed complains with them not solved i have negative information on my credit report from XXXX that was reported a payment was sent then returned back into my account because the bank could not match info when i checked i found out later with out notice that payment was sent back. account is settled and paid for XXXX XXXX is still reported negative info on my credit file .. Inquiries on my credit report from XXXX XXXX recently they requested my file on XXXX XXXX XXXX which resulted in a hard inquiry and from XXXX inquiry when i called i found it was from an auto loan place on XXXX XXXX XXXX inquiry. XXXX XXXX which i never authorized a copy of my report which results in a the inquires and negative info report on all XXXX bureas and this is really hurting 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 2022-09-06
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX XXXX and XXXX I took out 5 loans. 
The last in XXXX being XXXX. For years navient recommended forbearance and or deferments and when payment was made when not in deferments. The moneys were allocated to loans that did not need payment yet and this caused extra late fees on the loans that were supposed to have gotten the full payment. They told us they divided up the money and dispersed it to all the loans. When asked for a lower payment option we were given an amount that didn't even cover the 12 % interest rate on the XXXX loan. Now 14 years later the XXXX loan is now a XXXX loan. Having the unpaid interest transferred to the principle. This causes interest rate to increase. At one point they claimed I owed XXXX on the XXXX loan due to interest. They have since lowered that number to XXXX. I am not sure why the moneys that we paid only went to pay off the smaller XXXX and XXXX loans with a 4 % interest rate. Also I spoke to XXXX XXXX who says They have my 5 loans including the XXXX loan. And we have been paying them as well. Navient claims my loans are private loans and are different. That is untrue. My loans are Federal Family loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
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:
This is incorrect information, it belongs to someone else. 

XXXX XXXX XXXX, Opened XXXX XXXX 2016

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: 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Again, Im sending over an Identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including TransUnion, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from TRANSUNION, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. TRANSUNION did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the account tells all of us, they have not maintained verifiable information in their own ( TransUnion 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT TRANSUNION DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX XXXX  Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX XXXX  Acct # XXXX ... XXXX I will gladly hire a lawyer as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.

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 2017-06-23
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Trying to use XXXX XXXX and on there app it is showing that my account in still in the negative. I spoke to my bank and they remove what has had my account in the negative. And on the app it is still show nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2022, I called to request a refund of the payment I made on my student loan during the COVID 19 pause. I was told that I was entitled to a refund due to a provision in the CARES Act. The person I spoke with on the phone said that he would put in my refund request for processing that day and that he did not foresee any issues. I've contacted Aidvantage regarding the status on multiple occassions and have been completely ignored. My account has not been updated, which implies that no action has been taken in the past two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have on numerous occasions attempted to resolve this issue of false reporting with the company XXXX XXXX XXXX XXXX XXXX  and the consumer reporting agencies. 
XXXX XXXX These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 ALL IN 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Freedom Mortgage ( FM ). I did not choose this company. My loan was sold to them. Payment is due the XXXX of each month. I pay {$3200.00} on the XXXX. In XXXX of this year, due to the holiday, my payment was made and accepted on XX/XX/XXXX by FM for {$3200.00}. Later in the month, I received notice from FM my XXXX mortgage payment was not made. I checked my account to see they received my payment. Confused, I spoke to a FM employee on Friday, XX/XX/XXXX, to find out my payment was changed to account for a shortfall in my escrow account. I was charged a late payment because my money was put into a holding account and not applied to my account due to being considered a partial payment. I asked the rep. To seek approval to cancel the late fees for the confusion and stated I would send the {$100.00} the next day. She got approval and we ended the call. I made payment for {$110.00} the following morning, a bit more than {$100.00} she requested. XXXX XXXX, my bank, shows the money taken from my account Monday XX/XX/XXXX. All was done and I made my XXXX payment to cover the new requested monthly payment. On XX/XX/XXXX, using XXXX XXXX, I found my credit score dropped more than XXXX points to find FM reported I was 30 days late on my XXXX payment. I immediately called FM to plead my case and they would not work with me. I made my XXXX payment on time and paid the new difference within one business day of knowing my payment was changed. I would like to have my credit report updated. I could see if I did not send my total payment. In this case, stating I did not make payment when they had {$3200.00} of the needed {$3300.00} for the month of XXXX is just wrong. To repot me for failure to make a payment on their inability to tell me on my call with them on XX/XX/XXXX I was going to be turned in is not good business. They have no heart for the working man proud to say in 30 years I have never been late on a mortgage payment. Help is needed to make this right.

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