BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
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 recently submitted a request for an investigation of the disputed account, which Credit Bureaus claimed was verified. Since I believed they didnt properly investigate my dispute I contact the XXXX XXXX  on the previous month XX/XX/2022, via certified mail. They were responding proving to me that I was correct. XXXX, XXXX and TransUnion records show that it was incorrect. Since their investigation was done improperly, I need the following accounts listed below to be updated in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$7900.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my 3 credit reports with XXXX, XXXX XXXX Experian it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.

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 2022-07-08
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:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please withdraw the following items in my file : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX date XX/XX/2022 o XXXX XXXX Inquiry XX/XX/2022 o XXXX Inquiry Date XX/XX/2022 o XXXX XXXX Inquiry Date XX/XX/2022 o XXXX XXXX Inquiry Date XX/XX/2022

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 2022-07-08
Company: EQUIFAX, 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 recently submitted a request for an investigation of the disputed account, which Credit Bureaus claimed was verified. Since I believed they didnt properly investigate my dispute I contact the data furnisher on the previous month XX/XX/2022, via certified mail. They were responding proving to me that I was correct. XXXX, Equifax and XXXX records show that it was incorrect. Since their investigation was done improperly, I need the following accounts listed below to be updated in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
o XXXX XXXX XXXX Balance Owed : {$7900.00} o XXXX XXXX XXXX Balance Owed : {$12000.00} o XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
A
merican Education Services ( PHEAA ) continues to harass my cosigner and I. After I made a payment in full, they still sent letters to my cosigner asking for payments on XX/XX/XXXX. This harassment needs to cease and desist or else I will seek litigation with an Attorney for the constant harassment that occurs. This company is overstepping its maximum authority by doing this.
2nd to that, their system is not updating reflected payments that were made a day or days prior. As of today, I 'm putting this company under scrutinized investigation for Unfair Business Practices. The excuses that I continue to receive regarding their " rules '' are not going to be accepted, because I truly do believe they have no idea what harassment is. While AES maintains they are controlling/managing the debt that is owed, they are not entitled to act as an unlawful debt collector, which is the gist of it.
If I have intentions to pay a bill and it is paid, you have no right to continue to send letters harassing either my cosigner or myself. I do n't care what the loan agreement says. As far as I 'm concerned, that 's beyond the scope of the limitations at this point because it was years ago. In prescribing debt owed, that 's what it is, debt owed. It does not legally obligate any company operating in the United States of America to create their own laws which appear to violate the laws of the Federal Government. In short, you are not entitled to act as a hostile debt collector. This is why The Federal Government of the United States created those laws to protect us civilians.
I will absolutely not repeat this again.
Regards, XXXX XXXX XXXX & Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: MONEY SOURCE, INC., THE
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im in the process of loan modification after receiving forbearance under the carts act My mortgage company TMS ( the money source ) refuses to provide me explanations to the different types of options I have and have stated to me that foreclosure is my next option

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX requesting to have the accountant prepare and file FEDERAL TAX FORM 1099 OID to cover the eligible issues and forensic accounting, corresponding to FinCEN Form 101, " Suspicious activity report '' for the alleged vehicle loan. As of today I still have not received any documents or direct mail response to my request. 

On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX informing the XXXX that the claim of {$23000.00} is DISPUTED since no response was received. 

XXXX XXXX XXXX of GM Financial was also informed that I'm more than willing to settle any financial obligation I might rightfully owe, as soon as I have received 5 specific pieces of documentary evidence to validate the alleged debt owed. ( Please see attachments ) As of today I still have not received any documents or direct mail response to my request. 

On XXXX XXXX, I received a letter dated XXXX 2021 from GM Financial Title Notice Of DEFAULT , RIGHT TO CURE, AND INTENT TO ACCELERATE, which I found to be very threatening, abusive, obscene and profane language and intimidating consequences to coerce payment of the alleged debt which has not been validated in accordance with FDCPA & FCRA. ( Please see attachments ) Such correspondence is direct violation to 15 USC 1692d ( 1 ), ( 2 ), and ( 4 ). Then there's also violations to 15 USC 1692e ( 2 ) ( A ), ( 4 ), ( 5 ), ( 6 ) ( A ) ( B ) and ( 11 ) for failing to disclose that the communication is from a debt collector. Each stated above violation carries a civil liability of {$1000.00}. 

As of today, XXXX XXXX XXXX of GM Financial has not provided me with any requested validated documentary evidence of proof of the alleged debt. Such action or lack thereof is a direct violation of 15 USC 1692g ( a ) ( 1-5 ) ( Please see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: EQUIFAX, 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:
problems on my credit report with equifax is that i have open accounts with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX All my accounts and in good standing but not being reported to equifax or they have not updated the information. Before i put fraud alert on my report my open account with XXXX XXXX  reported but since after it now does not report to them. i have no problems with XXXX or XXXX reporting information the only problem is with equifax. This information should be reported because they are all in good standing!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, Specialized Loan Servicing LLC confirmed that the balance on my HELOC was {$0.00}. On XXXX XXXX, XXXX when my Title Insurance Company requested a written estoppel letter, Specialized Loan Servicing, LLC realizing that I was selling the home, now falsely represented that a balance of {$77000.00} was due and that unless I placed that into Escrow, I would be penalized by not closing the sale of the home. I have send numerous letters, third party authorizations, and they keep orchestrating the fraud because they know that at the end of the month, the Escrow may be released.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both Experian and XXXX. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by 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 2018-08-20
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from XXXX  for {$66.00} dated XX/XX/2018. I promptly disputed the debt, requested validation, and requested that they cease and desist all collection efforts, including credit reporting, until they either validate the debt or notify me they do not intend to attempt to collect in a letter I wrote to them on XX/XX/2018. This collection agency did not do either one. They failed to respond, did not provide validation, and still continue to report this invalid information on my credit report. Reporting information to the credit bureaus is considered collection activity. It is a violation of the FDCPA to further attempts to collect without validating information after it has already been disputed. This information furnisher did not respond to my dispute and must remove the information from my credit files at this time.

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 2022-07-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Professional Debt Mediation, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I 've received calls for months now in attempts to collect a debt for a payday loan I never received. The company calls themselves Debt Mediation Services out of XXXX FL In college, back in XXXX, I inquired about these types of loans but never actually took one out. The calls stopped for a while, after doing research I found it was a scam and so I just blocked their call any time I they called Today XXXX/XXXX/XXXX. I received a voicemail from XXXX XXXX at XXXX. I promptly blocked this number on my phone : XXXX I then get a call from my sister that she received a voicemail from Debt Mediation services from the same person attempting to reach me. Her number is my former phone number of XXXX I called him back after he called my sister. He said the same speech as the previous person that I owe {$990.00} but they will avoid wage garnishment and a lawsuit if I pay now in the amount of {$280.00}. I asked him if this conversation was recorded. He said yes. I told him that my family is not to be contacted in this matter. He told me he has the authority to contact anyone he needs to collect a debt. I asked him about where this money was deposited and what bank account it was. He said he did n't have the account but that it was for XXXX XXXX XXXX XXXX back in XXXX. I asked him if he was aware that I have n't had a bank account with XXXX since XXXX when XXXX XXXX XXXX bought it. He said it was irrelevant. I told him I was not interested in settling. He threatened me with " we 'll keep calling '' and I asked if he just threatened me and he attempted to backpedal. I terminated the call. And told my sister to block them.

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 2017-08-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I was kept on hold for a total of about 35 minutes and spoke to representatives for all of about 3 minutes. I have been trying to access my money through an online exchange called XXXX XXXX XXXX XXXX. I have every right to access my money in this matter and know many who access their money through XXXX with a TD account linked with no problems whatsoever. I get a message saying TD is blocking me from third party applications. I call support and he tells me " that 's no problem, we can just lift the block from your account '' he then puts me through to a tech representative who pretty much told me what I was talking about did n't exist and she could n't help me all while complaining to me about why the support rep put me through to her iin the first place. Then I asked to speak to the supervisor who actually gave me some service but told me that I cant access my account through XXXX. I feel targeted and very annoyed that I can see account transfers on friends TD Bank applications involving XXXX but I 'm told I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Self Financial Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In a nutshell, this credit building repair states that the will report to all three CBR when you sign up with them. It is not a loan, rather, they pull draws from your personal checking account for a period of 24 months, they claim they only take {$9.00} administrative fee, the money is held on an authorized bank account and is released after 24 months. what they don't say, they charge finance charge on your own money? Please see screenshot attached were they list they terms and conditions, not disclosed anywhere, or barely emphasized on that particular screen. Furthermore, when you cease they sign up process, you are bombarded with " customer reviews '' to encourage signing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: NCB Management Services 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: Account status incorrect

Complaint:
On XX/XX/2021 I checked my consumer report and noticed that XXXX XXXX was reporting an inaccurate account on my credit profile. Neither XXXX nor XXXX has this account on my credit profile. This is a violation of 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. No other consumer reporting agencies have this account listed on my report. This makes this company also in violation of 15 USC 1681e- Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am requesting the information from the original creditor and also an investigative report as to why this account is reporting on my consumer report. 15 USC 1681g Disclosures to consumers ( a ) Clearly states Every consumer agency SHALL, upon request clearly and accurately disclose to the consumer : all of the information in the consumers file at the time of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Early Warning Services, LLC
State: MN
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 contacted Early Warning Services , LLC, by phone requesting a copy of my consumer report. I explained to the customer service representative that all of the adverse information and bank checking accounts, listed on my consumer report is fraudulent, inaccurate and not my accounts or information. The representative used a XXXX slur against me, and told me I was a lying XXXX, and that nothing would be deleted from my consumer report because the fraudulent bank checking accounts and adverse information belongs to me. The representative used hateful, profane and abusive language against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/XXXX thru XX/XX/2022 ; I spent time applying for a personal line of credit. I applied by email. The representative never applied my information towards the proper process. It appears that he never applied for the personal line of credit. 
I was never given disclosures, nor did I sign any documents in reference to applying. I was not given anything official. I do not know what they were really doing with my information. I was asked to provide information on my start up company although I was not applying for a business line. 

The bank ran my business credit ; However, I still do not know what they were doing. 
I contacted the bank several times and spoke to different people XXXX of whom asked me questions that were completely irrelevant to the personal line of credit. She was just gathering irrelevant information I questioned the representative on why she needed that information. I was disregarded. XXXX XXXX has decided to disregarded me entirely. 

They refuse to provide me with a denial letter or reason for anything or any actual documentation for anything.

Company response to consumer: Closed with explanation