BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-05
Company: Pinnacle Credit Services, LLC
State: CA
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:
I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CARMEL FINANCIAL CORPORATION, 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:
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a condominium unit in  XXXX , Illinois .I have owned it since  XXXX . Approxiamaately 9 years ago the mortage was sold  to Ocwen Mortage loan  Servicing. During that time it has been a total mess trying to deal with them. They raise the mortage whenever they want to, charge me whenever they want to. I have a speech impediament, Stuttering, so when I talk to them its always a problem. Normally its a person from a foreign country that I am talking to.I am  XXXX  years of age with serious health issues. I have  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  Prescribed by my doctor. I weigh  XXXX  lbs. and when I walk up the stairs at the condo, ''  XXXX  floor '',   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . There is no elevator in the building.I had to stop working because of my health! I was a   XXXX   XXXX   XXXX   for 37 years. I ca n't do that anymore. According to Ocwen, I am behind {$4300.00}. Loan #  XXXX . And the mortage is not going down! The principal balance is still at {$63000.00}. I sent them a letter explaining my situation. And they keep sending me BILLS!! The latest  is Delinquency Information.   dated  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Debts were incurred to Citibank around XXXX years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against XXXX. that name was incorrect, and this complaint corrects that mistake ).

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 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Aidvantage about reinstating my student loans that were paid off over the pandemic. I called them on XX/XX/XXXX and was told I would recieve a refund XXXX weeks from that day. ( That timeframe was XX/XX/XXXX to XX/XX/XXXX ). I called them on XX/XX/XXXX ( week five since initially calling on XX/XX/XXXX ) to get an update because I hadn't seen my loan balance change from {$0.00} and certainly did not receive a refund at that time. The representative I spoke to said it was supposed to be processed and send out to the DoE on XXXX but it was delayed and they still were processing it. They said that I should expect to see the loans reinstated the following week. I then called the following week on XX/XX/XXXX. The first person I spoke to said " your loan was sent on XX/XX/XXXX and you should be seeing a refund XXXX weeks from that time ''. That didn't sit well with me so I called back to reconfirm that information and the second person I spoke to said that it was still processing and not actually sent out. She said to call back in a week. I once again called back yesterday, XX/XX/XXXX, and the lady gave me more contradicting information.. all the representatives I spoke with gave me a different story. It has now been 7 weeks to the day since I initially called to have my loans reinstated and it is still " processing '', which they can not define what that means, and it has not left aidvantages hands. They are now telling me that I should give it til the end of the month at the very least before calling back. I want my loan reinstatement processed immediately so that I have a balance to be apply for the loan forgiveness by the suggested XX/XX/XXXX date. I payed off my student loans over the pandemic and did my due diligence and now when it comes time for them to reinstate them, they are not acting in a timely manner and preventing me from applying for forgiveness. There are others who have called after my that have already had their loans reinstated and I need clarification immediately. I have called them multiple times, had my case escalated, submitted a complaint on their website and nothing is working. Every person I speak to gives me different information and give me the go around. I am completely in the dark and they provide no paper trail or insight as to were your loan is in the process of being " processed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
n accordance with the Fair Credit Reporting act XXXX  Account 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 response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I called TransUnion at XXXX to put a fraud alert on my social security number after it was released by my employer to the wrong employee. TransUnion had me provide all information into the phone and than provided me with the address of XXXX. The recording told me to send my personal information, social security card, and another form of identification, such as my drivers license. However no other information was provided, therefore I have no idea what I am supposed to send requesting to place a fraud alert on my account, no form or anything. The recording only said send my social security card to this address. I am in a great amount of frustration over the whole process and just want to place a fraud alert on my account to XXXX and TransUnion. How can I get this done?

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 2016-06-28
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
NES - National Enterprise Systems : They continue to call my place of work. They are lying saying my voicemail is full and giving messages to our corporate call center. I have been reprimanded for these continuous calls and now I am afraid of losing my job. Yesterday for example they called at XXXX ; XXXX ; XXXX ; and XXXX. Can someone please help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Lendmark Financial Services
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whomever it may concern ; This Complaint is about the consumer credit transaction iniated on XX/XX/2020 with your financial instituition executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 
The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above -mentioned Consumer Credit Transaction without giving me the opportunity to opt-out, your institution, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) According to 15 USC 6809 ( 4 ) ( a ) The term nonpublic personal information means personally identifiable financial information 01 Provided by a consumer to a financial institution 02 Resulting from any transaction with the consumer or any service performed for the consumer ; or 03 Otherwise obtained by a financial institution Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 
Therefore, as per literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 
In case your company admits that the company named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 
PuUnder5 USC 1681a ( d ) ( 2 ) ( a ) ( ii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if a company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your company has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my consumer report 01. Remove all late payments If you accept my complaint I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.

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 2016-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed XXXX accounts with transunion credit reporting agency informing them that these accounts were reporting inaccurately and to please remove off my credit report. When I received the results the accounts came back verified. I then called the original creditors and they were not able to provide me with information regarding the accounts I disputed. I then called transunion and request the method of verification to be provided to me. They told me they do not have any documentation to provide to me and that I need to contact the original creditor. I then informed them that I did in fact contact the oringinal creditor. She then stated that that is where they got their information from and I was like please provide me with this information and she stated she can not give me this information. I informed her per the fcra that o have the right to request method of verification and she said yes you are correct and to contact the oringinal creditor. I then informed her once again that I did talk to the them and I can provide you with the name of the person I spoke with, the time, the telephone number as well as the department and they all told me that they do not have any information regarding those accounts. I then asked to be put on the phone with a supervisor and she told me to hold and then she hung up the phone on me. The accounts that I am requesting to be removed are : XXXX/express acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # 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 2022-10-18
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
I filed a claim for several unauthorized charges on my Discover card about 60 days ago, they have treated more like a criminal. Interrogating over and over. They credited my account and sent me an affidavit to sign after almost 45 days, then they called and said the affidavit was not signed by and they would send another one again. Every time they send one they tell its 7-10 days to get it but instead its about 2 weeks. Till now I have not refined the second affidavit, my account is closed they have refused to reopen it even tho I kept my account in excellent standing. This has been a grueling process, the charges are completely fraudulent and that was easy to prove but for them to advertise 0 liability for fraud and then make a customer to go through this is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
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:
There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Focus Holding Company
State: TX
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:
Debt to XXXX was satisfied when account was closed and all equipment was returned, XXXX 2014. NO further contact from XXXX XXXX, however, 13 months later this " collection '' shows up on on my credit report. NO prior written or phone communication. I have attempted to contact this Debt Collector and can not get any information pertaining to my account from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, Account # XXXX and XXXX Account XXXX XXXX have violated my rights. 15 U.S.C.1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Currently I have an account with Bank of America. To be very Honest ; I love bank of america and I have been customer with them since XXXX. Up until recently I have never had any issues with bank of America. Until recently in XXXX when I cam across some financial difficulties which caused my account to go negative end up with higher then normal overdraft fee 's. Which I have no problem with paying ; because the over draft fee 's are to no one 's fault but my own. Hiowever now my account is overdrawn in the amount of XXXX well actually XXXX after the XXXX dollar transactions fee falls off. Of that XXXX XXXX are returned item fees and XXXX of that is overdraft fees. with a total of XXXX dollars and I think I am problem missing a XXXX of fees here. All in all I believe that my balance is XXXX. However when I contacted bank of America they state there is nothing they can do ; I think that is insane. Seriously the returned item fee 's I understand ; and I am fighting comed as we speak about submitting a payment XXXX. However the overdraft fees really. I think that is a bit much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
We have fraud names with mispelling the correct XXXX has been changed to XXXX and they have added a fraud XXXX XXXX address that is not or has ever been ours. 
we have had previously identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: PA
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 TO THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS XXXX XXXX XXXXI acct # XXXX {$300.00} XXXX XXXX acct # XXXX {$920.00} XXXX XXXXXXXX acct # XXXX {$300.00} XXXX acct # XXXX and XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX FOR EACH AND EVERY COMPANY I FAXED I CALLED I SENT CERTIFIED MAIL ALONG WITH MY REFERENCE NUMBER FROM IDENTITY THEFT.GOV WHICH IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: SC
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 these items, which are 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 these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : {$58.00} ; XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: AL
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 received a notice from transition, Equifax, and XXXX that my XXXX XXXX account was late for XXXX, XXXX, & XXXX of 2022 and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of 2022, so I have no idea why there is any activity occurring on the account ). 

I disputed it with XXXX, Equifax, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of 2022 ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.

Company response to consumer: Closed with explanation