BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I mailed out some challenges and ask for an investigation XX/XX/2016. It is XX/XX/2016 and I have not received a response

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 2020-12-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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 2019-02-05
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house is scheduled to be auctioned off on XX/XX/XXXX. I tried my best to get a Loan Modification for over 7 Years. It was a marathon effort starting way back in XX/XX/XXXX, with the servicer - XXXX. I submitted tons of documents and XXXX kept on rejecting the Modification for one frivolous reason or the other. I was in fact asked to take the other Loss Mitigation option - Short Sale Now the new Servicer is " Specialized Loan Servicing '' ( SPS ). I have submitted a complete Short Sale Package and requested SLS to postpone the auction and allow time for the Short Sale to be processed. However they are not willing to do that. Hence this request through your good selves, so that I can avoid the Foreclosure stigma in my life and 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 explanation
Consumer complaint received 2020-03-17
Company: Student Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
About a month ago I went onto student aid .gov and applied for a option to consolidate my loans but the servicer denied me

Company response to consumer: Untimely response
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed XXXX XXXX XXXX hard inquiries on my credit report. I received a letter stating that they would investigate and keep me informed of the status within 30 days. I received no updates. These inquires were from XXXX and XXXX. I have called Equifax on a few separate occasions and have been told there is nothing they can do to help me. I called XXXX XXXX and they promised to send a letter requesting the fraudulent inquiries be removed from my report. Still nothing has happened. There should only be XXXX hard inquiry on my Equifax report that is actually mine. There are now XXXX, which puts my status in the POOR area. Equifax refuses to remove the fraudulent inquiries. Do I have to bring a lawsuit against them in order to get them to remove the fraudulent inquiries?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with XXXX and someone hacked into my account information and ordered 10-12 phones from an address in XXXX. Whoever hacked my account had my address and were able to pick up the phones from my address when they were delivered and outside. I never received any phones. I have tried to correct the issue with XXXX but they are unwilling to send me to their fraud department and have sent a collection to the company I'm filing the complaint against for XXXX. Please help me resolve this issues. I am not willing to pay for any service or equipment i never received. It's obvious i did not use these phones and have never had any phones other then the one I used. Please assist me any way you can. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
In XX/XX/2020, I noticed that there was a bad credit record showing that I have a delay payment for a BOA credit for more than a year. It hurts my XXXX credit score. However, I never had a BOA credit account and I am not a BOA customer anymore ( used to have a checking account from XXXX-XXXX ). I called multiple times to BOA and since it was not my account I don't know the exact account number, therefore, BOA customer service can not help me to locate that account or file a fraud report. 

I filed dispute with XXXX twice, and after so-called investigation, they kept recognizing it was my account. Until the later of XXXX, I went to BOA local branch. The front-desk manager helped us call their fraud center and explain the situation ( using his internal privilege ). We found out that there was a guy who had a similar name as mine but same at all, and ever lived in the same apartment building but not same unit as mine couple of years ago. BOA mistakenly put his bad credit and linked it with my credit report! BOA said they would investigate it and hand to XXXX within 60 days, but 60 days passed, we haven't heard anything. My credit score keeps decreasing and I am about to loan mortgage. I am quite innocent but no one seems working for protecting us.

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 2016-11-09
Company: Stevens Business Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
see attached dispute letter. I have never even been contacted by this company and I see them on my credit report.

Company response to consumer: Closed
Consumer complaint received 2016-03-09
Company: Merchants Credit Corporation
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Merchants Credit reported to XXXX a collections debt that was not mine without ever contacting me to verify if the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX on XX/XX/2020 ( Reported 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 2015-06-04
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The last correspondence I sent to Cavalry Portfolio Services on XXXX pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-24
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
When my father died, I notified his Discover card that he had passed ( sent them a copy of his death certificate ) and that his estate was insolvent ( it is ). 

They started sending ME the bills for his account, at my address and in my name, and calling me ( have called me at least XXXX times ) to tell me *I* owed the money. I told them the XXXX time they called that I did NOT owe the money, and that they should send documentation that I was responsible. They said " we ca n't '' and " we do n't have that documentation ''. But they continued to call. And my credit rating was impacted. 
FINALLY, after HOURS on the phone with them and sending several written complaints, they told me 1 - if I do n't pay it, it will continue to be on my credit rating, 2 - if I DO pay any part of the bill to protect my credit rating, AND then they resolve my dispute by confirming in their own research that I am NOT responsible for the account/debt, THEN THEY WILL NOT REFUND THE MONEY I HAVE PAID TO THE ACCOUNT while they were falsely insisting I owed it. 3 - At their advice, I paid the initial " minimum payment due '' from after my Dad died ( they had increased it to several hundred ) so as not to have my credit rating impacted quite so badly. So I paid {$35.00}. 4 - They CONTINUED to call to say " my '' account was past due. 5 - They sent me a LETTER stating " Based on a review of the information, we have removed your name from this account .... '' 6 - I CONTINUE to receive calls ( two just today ) stating I owe them money. 7 - Logging into the account via my Dad 's site, it STILL shows my name ON THE ACCOUNT. 8 -I am on hold with them now, and they have just confirmed my name is STILL ON THE ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About 7 years ago, I had a 2 year contract with XXXX with only a couple of months left to go when the phone stopped working due to an internal software issue and nothing I had done. Even though I had been paying for full coverage insurance every month for almost years, they wouldn't cover my phone because it had a small Crack in the corner of the screen. When I told them to fix the phone and don't worry about the Crack, they said it didn't work like that. They don't really fix your phone, they trade you for another one. So in order to do that your phone has to be in perfect cosmetic condition. Not only did they not validate my insurance, but they wanted me to pay hundreds of dollars for a deductible, to fix the phone, AND they wanted me to pay the monthly bill for a phone that didn't work. I told them I'll just go get a prepaid and cut my losses, and they told me I would also have to pay money for " breaking my contract ''!!! XXXX refused to help me resolve this issue in any way, then they sent it to collections where it has been ignored for years waiting for it to fall off my credit report. Only now there are XXXX XXXX accounts with 2 different numbers and two different amounts! One of them isn't mine, and the other should be erased out of decency!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for a credit card with Citizens Bank online in order to balance transfer a higher rate card which I indicated at application that I possibly wanted to transfer {$3000.00} ( not knowing the amount I would be approved for. I was informed obtained a {$6000.00} credit limit 2 weeks later. I accessed the account online and attempted to complete the transfer and it indicated that it would need to be completed by phone. I called and completed the transfer with a rep there for {$5500.00} who did not inform me there was another transfer pending. I received a letter on XX/XX/XXXX that indicated that the additional {$3000.00} transfer had been attempted but would not be able to be completed as it exceeded the credit limit. I did n't remember the {$3000.00} initially but thought that this was going to be resolved by the company 's fail-safe precautions to which the letter was informing. Later I had received a call from the credit card company indicating that both transfers had completed and I was over {$2500.00} over my credit limit. I indicated that I had not authorized the additional {$3000.00} and wanted it reversed. This rep apologized, indicated he would reverse the transfer and indicated it would all be corrected. A week later I got another call and an email from my credit protection company ( XXXX ) indicating that my score had dropped XXXX points as a result of me going over my limit. I talked to a rep who explained that the second transfer was a result of the amount requested prior to approval and indicated that the whole situation was my fault even though the rep that initiated the second transfer had not indicated there was a transfer pending, the letter indicate there should have been a fail-safe preventing the transfer and that the later rep said he could reverse the transfer. I indicated that I wanted to file a complaint and possibly take legal action and wanted all transcripts of the 3 earlier contacts by phone. He said that he could no longer speak to me due to this action but indicated that I would be contacted by their complaint department within 48 hours. Did not happen. Called back and again was told that I would be contacted. I since reversed the {$3000.00} from the credit card that received the transfer ( XXXX XXXX XXXX ) but per XXXX no change to my credit report has happened. That was 2 weeks ago. I want to file a formal complaint. I want my all XXXX repositories contacted and informed of the accurate balance and that the {$3000.00} transfer was a mistake by Citizens Bank and that my report should not be negatively affected by the balance exceeding the credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting 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 2022-10-10
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchase a XXXX XXXX XXXX from XXXX XXXX in XXXX, GA on XX/XX/XXXX. They force sold me a Extended warranty, they told me I had to take it. On XX/XX/XXXX my car shutdown on me on XXXX headed XXXX XXXX. When I had my car towed into the Dealership service Department they stated the Warranty Company said they would not cover the repairs because I neglected maintenance on my car. My Father is a Used Car Dealer, been in the Industry for 35 years and have friends who work for Extended Warranty Companies. They all said this is Fraud and both the Dealer and the Warranty Company are liable for damages. They tried to make me buy another car but right now I want to sue both the Extended Warranty Company and the Dealership for Fraud. I have reached out to a Attorney today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: AR
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:
I have contacted the bureaus about an investigation I wanted them to look into so I mailed my information into them on XX/XX/2020 and today is XX/XX/2020. To this day it has been over 60 days I understand that they have 30 to 45 days to respond to information I know is misleading and unverified but instead they just placed items on my account that I demand be removed for the simple fact that they have not responded to my request and may have seen that they in fact have no proof of these items i will be attaching to this complaint. Thank you I hope we can get this resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attatched XX/XX/XXXX FRAUD LETTER XX/XX/XXXX, FRAUD LETTERS. * credit we deposited at the beginning of investigation HAVE BEEN REVERSED. see attatched XX/XX/XXXX statement of transactions. ONLY CREDITS ARE MERCHANTS {$340.00}. NO NONE NO USAA CREDITS PROVIDED.!! USAA REVERSES CREDITS NEVER PROVIDED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XXXX XXXX America 's Servicing Company on several occasions XXXX billed our mortgage payments making it look as if we 're defaulted on our mortgage. We 've brought it to their attention and they have n't fixes it. No we have a Sheriff Sale date of XXXX XXXX 2015. We 've ahad a loan modification to fix the problem only to have them do the same. Their claiming we have n't paid our mortgage in 5 yrs. This has been on going for 9yrs with.them. They 're reporting this on my credit report ruining my credit, and made XXXX hard pulls on my credit when I was n't applying for credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  XXXX XXXX XXXX refuses to send permissible permission to access my credit report and continually claims my requests and complaints as duplicate. This involves account # XXXX. I have made more than 50 requests over the last two months and XXXX XXXX XXXX XXXX continually plays games and call request and complaints as duplicate.

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