BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: NY
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:
Ive been disputing my XXXX account that is on my credit reports. The account has never been paid late ... XXXX has investigated this and corrected it to show as a positive account however upon reviewing my Experian credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX, XXXX. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, TransUnion 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 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: Data Mortgage Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The house was sold on XX/XX/2022 and the amount Essex Mortgage stated needed to be paid was on the pay off letter. Then they sent me a notice that I still owed over {$27.00} XXXX dollars for a place I havent had since XXXX. XXXX title company paid an additional amount to make sure everything is cleared and they are still reporting that I owe {$350000.00} for a place that has been sold for XXXX months. 

They do no communicate with their customers very well, especially during Covid, and dont communicate internally to show that the house has been paid off. All loans are cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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 and XXXX  Acct 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and 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 602 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 2017-07-21
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Behind on payments, moved to a different house, listed house with Realtor, had two different offers and both offers fell through due to buyer 's lender 's underwriting requirements that came up 30+ days into the sale. Offers fell apart. Realtor tried to get M. & T. Bank ( lien holder XXXX ) to pre-approve a Short Sale but bank refused said not allowed. During the process of trying to work with M. & T. Bank on both offers, various employees of M. & T. Bank had different information on the process, took weeks at a time to respond, refused to work with the Realtor ( even though all forms were submitted to give permission to work with ). No straight answers, no person capable of making decisions about offers were ever available to speak with, no email addresses ever available nor direct phone numbers. When calling M. & T. Bank it was a circular phone message no parties ever answered. The bank denied even knowing the company they hired, XXXX XXXXto assist with Sale. XXXX XXXX ( XXXX -- XXXX ) said always have to deal directly with M. & T. If was a " Circle of Nothingness '' Any person that you could reach by phone was unable to make a decision and they required an offer in hand before they would stop the clock ticking on the process.

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 2022-01-27
Company: PNC Bank N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was the victim of identity theft and am unable to get a response from PNC Bank about the fraudulent accounts that were opened, or the fraudulent documents they accepted to open the accounts in my name. 
In early XXXX, 2022 I received what I thought was marketing credit card offer from PNC bank. 
On XX/XX/2022 I received a letter from PNC Bank stating that I had opened 3 Consumer accounts with PNC Bank. I did not open any accounts with PNC. I called PNC immediately. During the phone call I was told that I could not get any information on the accounts unless I gave my SSN or an account number. The letter I received only had the last 4 numbers of the account number and given the nature of the call, I would not give my SSN so the representative could not look up the accounts. She told me I could take the letter to a PNC branch, however there are no branches in my area, only ATMs. I determined that what I thought was marketing was actually a credit card that had been opened in my name. I gave the representative that card number. I was told that the information would be given to the fraud department and I would receive a call back in about 48 hours. I did not hear back from the fraud department and on XX/XX/2022 started trying again to reach PNC to discuss the matter. 
On XX/XX/2022 I received a letter from PNC Bank to confirm my address change. I did not make any changes. I called PNC again multiple times. Due to long wait times, I was unable to talk to anyone until XX/XX/2022. During this call I was given the direct number for the fraud department. I have called the fraud department multiple times and have never been able to speak with a representative. I left a voicemail on XX/XX/2022 and to date have not received a return call. I also wrote a letter on XX/XX/2022 requesting confirmation that the accounts have been closed. I understand it is too soon to get a response from the letter, but the lack of response to my phone calls is extremely troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
BOA put a fraudulent credit card inquiry on my credit file, its not mine and its damages my credit score. On XX/XX/2022 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 2022-01-27
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ERC Enhanced Recovery Company had tried to collect {$5300.00} from me in XXXX of 2019. I informed them that this debt didn't belong to me and that I had been a victim of identity theft and if they could provide me any documentation with my signature on it. they removed the account due to no evidence within 30 calendar days from XXXX, XXXX and XXXX. I took a look of my credit reports and seen that they inserted this debt back on my credit reports. I do know that once a debt is removed with the same account number it can not be inserted back on your credit report. But they broke the law by adding this back on my reports and I am wondering how did the 3 credit bureau 's let them do this illegal transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have rights under 15 USC 1681. XXXX  is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of 2022 XXXX  illegally repossessed a vehicle I had with them. Mechanics bank then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX of this year I paid {$70.00} to XXXX XXXX  Hospital for services received. I subsequently received calls from them in XX/XX/XXXX requesting payment again for the same amount. I provided proof of payment to two different individuals when they called. On the second call I received acknowledgement from the representative that the bill was indeed paid and heard nothing further from XXXX XXXX Hospital. In XX/XX/XXXX I received several calls from a company called Aargon, XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX, purporting to be collecting for the same debt that had been previously paid. I explained the situation verbally and then finally via email on XX/XX/XXXX with proof of payment attached. I warned in that email that continued harassment would be reported to the appropriate authorities. This morning I received yet another harassing phone call from Aargon for the same debt. I explained that the issue had been resolved and referenced my email of XX/XX/XXXX. The representative XXXX ( would not provide last name ) stated " we have not received such an email '' and insisted that the payment was still outstanding. She provided another contact email which I have forwarded the earlier correspondence to in response to her call. I am happy to provide any and all reference materials in support of my case but request assistance to stop this undue harassment.

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 2021-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One reporting derogatory information on my Credit report. I do not have a capital one account, and I never applied for a Capital One account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: First Data Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Dear  Sirs, O ur company who name is    XXXX   XXXX   XXXX  , we  are a wholesaler and importer in  XXXX   XXXX , California over 19 years. We use the credit card merchant service from  First Data  under the contract ( account #  XXXX   ) s ince   XXXX   XXXX   until now.     Bu t First Data ha s increased the retail rate under our account without notifying and have over charged too much from our account during  XX/XX/XXXX - XX/XX/XXXX .The monthly statement  of First Data provided to us witho ut full detail which kind of credit card/retail rate and amount of charge /service fee of each transaction and each date always.     We have not got full detail of monthly statements of    XXXX   XXXX  -  XXXX   a nd over charge amount from First Data still after  over 40 days  difficult negotiate with   XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX   of  First Data  since   XXXX   XXXX   until today.     According to the program guide, accompanying the merchant application and agreement between  XXXX   XXXX   XXXX  and  First Data : Sub ject to section  XXXX , we als o may increase our fees or add new fees for services for any reason at any time, by notifying you twenty ( 20 ) day 's prior.      It is our right that  XXXX   XXXX   XXXX  as a senior and value customer of  First Data to know full detail of charge of each transaction/each date and get back full   amount of over charge from monthly statements which kind of credit card/retail rate and amount of charge/service fee during    XXXX   XXXX  -  XXXX   w hich all in  one page from First Data base on our retail rate have been increased and have been over charge our account without any notifying by First Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Yes, I have called you guys multiples of time regarding my fraud transactions and you guys told me that you guys would remove those XXXX fraud transaction with the card ending in XXXX, and it's still on my statement, what the deal??? the transaction are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im tired of contacting you guys and requesting for the same thing over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: CO
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: AES/PHEAA
State: OH
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:
OnXX/XX/2019 I became aware that FedLoan Servicing ( MyFedLoan ) stopped auto drafting for two of my student loans without notification and without my consent. The bank account which these loans are auto drafting from has more than enough funds to supplement the auto-draft, so any none sufficient funds is not the issue. Additionally it seems MyFedLoan drafted my account on XX/XX/19, but did not actually apply it to the loan as it's still due for the same date and is building up interesting in the mean time. It's been over two weeks since my initial inquiry with MyFedLoan and they have not provided me with any additional details or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: OK
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2022-06-14
Company: EQUIFAX, INC.
State: CO
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have some credit inquires in my credit report. XXXX XXXX  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 explanation
Consumer complaint received 2021-07-24
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:
I have sent multiple dispute letters to the credit bureaus in regards to inaccurate reporting on my credit report. There are inquires reporting that I did not authorize and the credit bureaus have not removed this inaccurate information. There are multiple accounts reporting late and I have never been late on any of my accounts. Incorrect balance reporting. Inconsistency. Due to these inaccurate information, my credit score is impacted in a negative manner.

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 2017-11-16
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Nelnet, Thank you for the response. Now you are stating that these are tactics and this is fraud, but did not provide any information requested by affidavit ( commissioner of the court ) to prove that this debt has indeed has not been paid. Are you stating that the law HJR 92 IS FRAUD? Are you stating that these options of ACCEPTED FOR VALUE and exemption is FRAUD? Please provide the REAL STATEMENT OF ACCOUNT that will show you that this IS NOT fraud and your company is committing fraud and this has been paid. I am not afraid of the law and a commercial lien will be filed. Now you have attached a contract ( NOTHING WITH YOUR NAME OR COMPANY NAME ON IT THAT SHOWS I CONTRACTED WITH YOUR COMPANY ) nor did you attach your jurisdiction are the full statement of account on the private side to prove this debt. All these items have been requested from your company because my student loan is closed on my credit but was apparently sold to company and that contract was requested as well. You are a collection agency and again are no where listed on my loan. Your company did not loan me anything. Have the company that is listed on the loan to contact me or show me your jurisdiction contract with the company and lets see who the fraud is. I attached the still existing law that states what FRAUD is. 
1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and NELNET to pay debt collector which will give your company jurisdiction to report this debt on my credit. Please mail are attach all requested information by affidavit that has been sent to your company, with the AUTHENTIC statement of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Bread Financial 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:
I purchased a {$16.00} dollar item on my XXXX Credit card just because I had not used the card in a while. Comenity Bank handles the XXXX card. They did not send me an invoice, ever. But did charge {$35.00} late fees and report to the credit bureaus. I contacted XXXX. They understood the error. Later XXXX even sent me a letter of apology which I still have. Comenity, the thief in this event, has never cleared the bad credit mark they reported and may not have refunded all the false charges they hit me with. I've been busy enough it's hard to keep wasting time that should not need to be wasted. Comenity appears to be ruining company 's reputations by charging that company 's customers huge late fees which they earn by NOT sending invoices. I have bought thousands of XXXX products in the last ten years alone. But never again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Specialized Loan Servicing Holdings LLC
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Specialized Loan Sevicing ParXXXX of the XXXX XXXX is has committed identity theft and attempting to commit fraud. They are trying to collect on note that has been paid for. They have not verified any proof by sending me a certified accounting/true bill of what they claim they are entitled to. I never subjected myself with a contract with the company. I will be filing a local police report of attempted identity theft and fraud. 

UCC 1-308 All Rights Reserved, w/o Prejudice.

Company response to consumer: Closed with explanation