BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: BSI Financial Holdings, Inc.
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had regularly scheduled, electronic payments with my mortgage lender ( BSI Financial ). All payments were scheduled for the XXXX of the month for the monthly payment, {$4400.00}, plus an additional {$1300.00} towards the principal. After my XXXX XXXX payment, I contacted BSI ( on or about XXXX XXXX ) regarding split payments to begin on XXXX XXXX to be {$2800.00} XXXX {$2200.00} in principal/interest and {$650.00} in additional principal ). On XXXX XXXX, the draft did not occur. I contacted BSI again and they said I did not specify the day of the week ( not true ) so I re-scheduled the split payment to occur on XXXX XXXX. Again, no draft occurred. I called a third time and was informed that they needed additional paperwork to conduct split payments. I told them I was done with attempting to do split payments as I had begun doing a re-finance due to low interest rates and a lack of confidence in their ability to manage my mortgage. I told them I wanted my full loan payment, plus the additional principal payment, to be drafted on XXXX XXXX and to continue that until my re-finance was complete. On XXXX XXXX, no draft. I contact them again and they push my draft to XXXX XXXX for the full payment plus principal. On XXXX XXXX, they drafted the split payment plus {$650.00} additional principal. I called again and they said they now needed 3 business days to process a change ( website says 2 ) and that is why it only drafted the split payment. I scheduled an immediate draft of the remaining payment plus another {$650.00} in principal but have yet to see it draft. There is no accountability within that office and their customer service is nothing but empty words. I am now at risk of being late on a payment if they do not resolve this issue prior to the XXXX which could affect my re-finance, my credit score, and other factors. In searching the internet, I have seen several other people have issues with this lender, but lenders can sell people 's mortgages to whoever they want and therefore, my mortgage could end up in BSI 's hands again if someone does not intervene to remove them as a credible lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Fed Loan Servicing is currently reporting false and incorrect information to XXXX, XXXX and XXXX. I have sent Fed Loan a certified letter over 30 days ago to validate this debt and to this day they have n't replied. I also have called several times to the # listed on my credit report XXXX and have received they no longer have this account and can not give me any information on this account BUT Fed Loan is verifying and updating to the credit bureaus the last two times I disputed. How can this be if when I 'm calling they have no information to give me? Also this account is over 7years old from. Per FCRA if this account is not removed ASAP I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I was served with papers for a " Breach of Contract '' and a request to report to court for outstanding debt on a credit card I don't own and had no idea existed. It is not on my credit history. Dated XX/XX/2022 and sealed on XX/XX/2022 by the XXXX XXXX XXXX XXXX. I am being asked to pay outstanding balance of {$950.00} that is under my nameXXXX XXXX XXXXXXXX is the bank and the Plantiff is noted as MIDLAND CREDIT MANAGEMENT INC. 
On XX/XX/2022 I filed a Fraud/Identity Theft report ( number XXXX ) with XXXX Police Dept . I pulled a credit report from all 3 reporting agencies XXXX, XXXX and XXXX with showed no evidence of the card ending in the XXXX in my credit history. I also put a credit freeze on my accounts and fraud alert. I tried to contact XXXXXXXX XXXX XXXX  with no success due to it being outside of their business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX has continued to sell this account to multiple debt collectors and I have been called 15 times a day starting at XXXX through XXXX hours. I have filed a police report stating that this debt is not mine and that my identity was stolen. I have completed all copies that XXXX wireless as required but I still get harassing letters and telephone calls. The latest company is Diversified Consultants , Inc and XXXX XXXX XXXX XXXX. They refuse to listen and my credit is being negatively affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
I Accordance with the Fair Credit Reporting 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 XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 Section 602 A, States I have the right to privacy 15 USC 1682 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

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 2022-10-21
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair or delete the items from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX RIVER XXXX XXXX XXXX XXXX XXXX, TX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have been a victim of identity theft, see attachments.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair or delete the items from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately : XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-10-13
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, has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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

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 2021-01-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account numberXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
Accounts and Inquires on my credit without my knowledge.

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 2016-09-23
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I defaulted on a loan with XXXX. The loan was sold to a collection company ( agent ) I made a payoff agreement with the agent of XXXX to payoff for removal. One the debt was paid off XXXX placed the debt back on my credit as a paid off collection and will not remove it as per the agreement with it 's agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 requested that 3 debts that I seen on my credit report be verified through transunion. I requested written proof via copies of any signed documents that I have with the reporting compaies. TransUnion just wrote back to me that everything was verified for XXXX XXXX in XXXX XXXX department store without showing me any proof of the debts in question. 

Also, they did not respond about the third company question. It has been over 30 days and I have not received a response so I would like credit first removed from my TransUnion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I was served with papers for a " Breach of Contract '' and a request to report to court for outstanding debt on a credit card I don't own and had no idea existed. It is not on my credit history. Dated XX/XX/2022 and sealed on XX/XX/2022 by the XXXX XXXX XXXX XXXX. I am being asked to pay outstanding balance of {$950.00} that is under my name.Synchrony Bank Carecredit is the bank and the Plantiff is noted as XXXX XXXX XXXX XXXX. 
On XX/XX/2022 I filed a Fraud/Identity Theft report ( number XXXX ) with XXXX Police XXXX XXXX I pulled a credit report from all 3 reporting agencies XXXX, XXXX and XXXX with showed no evidence of the card ending in the XXXX in my credit history. I also put a credit freeze on my accounts and fraud alert. I tried to contact Synchrony Bank carecredit with no success due to it being outside of their business hours.

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 2022-10-21
Company: EQUIFAX, INC.
State: VA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I initiated a funds transfer online via the USAA website. The transfer was from my USAA checking account and the money was to be sent to my XXXX Savings account. The transfer amount was for {$1300.00} After allowing several days for the transaction to process, I checked my accounts and the money had been taken from my USAA checking account but had not yet been sent to my XXXX Savings account. I then checked my " transfer activity '' via the USAA website and found the transfer to be " unsuccessful '' I then contacted USAA and was told to wait a few more days. After waiting some time, I contacted them again and was told my money went to the federal reserve and there was nothing they could do. I contacted them again to ask more questions and was told to contact XXXX Savings bank which I did and XXXX referred me back to USAA. I contacted USAA again and was told they could find my money for $ XXXX hour and told me it would take 2 business days but could not tell me how much it would cost. I do n't feel that I should be paying USAA to find my {$1300.00} as I have not made any mistakes on my end transferring the money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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