BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: NJ
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 contacted equifax about removing inquries and have not got a response. 

i did not apply or give authorization for the inquiries listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2017-08-17
Company: ACS Education Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was in school full time from XXXX XXXX until I graduated from XXXX XXXX in XXXX of XXXX. During this time my loans were in deferment. Upon graduation I was informed that I have 6 months to not have to make payments. I filed for IBR payments in XXXX XXXX and have made all required payments on time, without fail, since then. Upon looking at my credit report this year, somehow my account with ACS is delinquent from XXXX XXXX XXXX, but then goes current again starting in XXXX XXXX and has been since. Somehow, in less than a month after graduation, I am 60 days late on a student loan within my 6 month grace period. 

I 've contacted ACS several times about this. I 've let them know that I have several other student loans and NONE of them have reported any late payments, ever. They have been completely unhelpful with this situation and are completely unwilling to help me out with this error on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello, I contacted TransUnion on several occasions regarding inquiries being deleted and re-inserted on my credit report. My first contact was through their online dispute system in XX/XX/XXXX. I was advised that inquiries were factual. In early XX/XX/XXXX I noticed more inquires on my credit report. So, I then mailed in a letter to Transunion advising that these inquiries were removed and re inserted without my knowledge. I again received a letter stating that inquiries are factual. I proceeded to write another letter in XX/XX/XXXX and XX/XX/XXXX. You guessed it, I got the same computerized response inquiries are factual.
I now know that Transunion has experienced 2 separate glitches that resulted in information being reinserted on credit reports. Transunion never told me that there was a glitch and that items that were deleted would be added back. I am aware of my legal rights. Transunion failed to notify me within 5 days PRIOR to adding these inquiries back to my report.
I demand that TransUnion remove all of the below inquiries for this reason.

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 2022-07-09
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Loancare will not Follow the Laws of my XXXX XXXX Bankruptcy and continues to try and collect on a Discharged Debt. This Company also will not provide proof of me signing a release of funds out of this Account along with information of where the funds went? My HELOC loan was Discharged from the original lender way back in 2011, I've been in Dispute of this Account for Many Many Years and have asked loancare Directly to show me Proof of Who Signed for the Withdrawal of funds out of this Account and Proof of where the Money that was Withdrawn Go? 
I had Received a Phone Call from a loancare representative a year ago saying they are Not pursuing any further actions. I have this conversation recorded. What a lie!! All I want is a lean release on the Title of my Property. If this can't be done immediately I will have no other choice but to bring Forth a law suit! 1st being Loancare Breaking Federal Law under XXXX XXXX Bankruptcy by harassment and continuing to force collects on a Discharged Debt. All documents have been saved over the years to prove this Fact! 2nd researched Documents by Loancare XXXX XXXX XXXX has never Provided Proof of the Funds Being Withdrawn from my account with my signature and where the funds went. Loancare is the Worst company to deal with and this Stress has been Heavy on me and my family for many years and still continues Today ....!! The Practices of this Company is Terrible as you can see from thousands of other Loancare clients have Huge Problems with this company that Bullies their way to destroying people 's Lives!! Next step for me is Hire an attorney and go Completely public on this issue if not Fixed immediately!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$27000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$190.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) {$910.00} according to the XXXX XXXX XXXX XXXX ( XXXX ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( XXXX ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.

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 2022-02-06
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-07-09
Company: Affirm Holdings, Inc
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 Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, XXXX Still has this Address in my credit report and other False information in my credit report I have had a bank account With XXXX from XX/XX/XXXX until XXXX at witch time I had closed that account Because XXXX also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and XXXX was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that XXXX Provides

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: WELLS FARGO & COMPANY
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 Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, XXXX Still has this Address in my credit report and other False information in my credit report I have had a bank account With Wells-Fargo from XX/XX/XXXX until XXXX at witch time I had closed that account Because Wellsfargo also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and wellsfargo was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that XXXX Provides

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 2017-08-16
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XXXX XXXX, 2017 at approximately XXXX CST I was contacted by a caller with the phone number XXXX.
This number belongs to a firm called RMP, which appears to be a collections agency based in Texas. The only information that the employee on the phone would disclose is that the matter had something to do with " a personal matter. '' I asked the employee if this was a debt collection call, which she refused to answer, again stating that the call was regarding a " personal matter. '' The employee would not discuss further unless I verified either : the last 4 digits of my social security number, date of birth, or current address. I did not feel comfortable proving this personal information to an unknown caller, and I ended the call shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed with XXXX, XXXX, and XXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
RE : Letters Submitted : XX/XX/2021 XX/XX/2021 & CFPB COMPLAINT XXXX FEEDBACK SUBMITTED XX/XX/2021 I called and spoke with a TRANSUNION representative about my report on XX/XX/2021. I was only provided a partial report with no score. When I spoke with the rep I was told that I would receive a new report and updated score once the full disputes had been compete. On XX/XX/2021 I received the new credit report but again it was partial information not a new full report with newly updated score. I do not have pay for a new score as the partial credit report sent to me states. I am entitled to accurate and fair reporting as the consumer. 

On XX/XX/2021 your organization responded to my complaint to the CFPB saying : Within 30 days, we will close out your dispute and advise you of the results in writing. You have not done so and you are in violation. Because you have not provided me with an updated credit report and score and have failed to respond to my written disputes within 30 days which makes you in violation of FCRA Section 611 Part ( A ) ( 1 ).

It is obvious that TRANSUNION has attempted to circumvent the system and I will report this if they do not comply. Since XX/XX/XXXXI have provided documentation and asked for them to investigate then delete this inaccurate information from my report and provide me with a newly updated report and score. It is now XXXX and TRANSUNION has failed to comply with the law. 

Also you are attempting to Re-age my account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. I am certain you are aware of the FCRA Section 605 ( c ) Running of the reporting period of which you are also in violation of. Its the original date of when the debt was incurred that determines when it is removed from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2021-08-24
Company: AES/PHEAA
State: NY
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:
Thank you in advance for your time and attention to this matter. 

I am writing because I have met all the requirements for loan forgiveness under the Public Service Loan Forgiveness Program ( PSLF ). For the last ten years, I have been a social worker at an employer that qualifies under PSLF. PHEAA/FedLoan Servicing have processed payments for 9 out of 10 years ( 108 out of 120 eligible payments ) and acknowledged that my employer qualifies. As of XX/XX/2021, I have submitted a certification to PHEAA/FedLoan Servicing that I have made all 120 of the payments required to process my loan forgiveness and forgive the remaining balance of my loans. Since that time ( ie for the last ~5 months ), my application for loan forgiveness has been in limbo with PHEAA/FedLoan servicing. I follow up regularly through various available channels but am never able to get more than perfunctory answers to questions about when my loan will be processed for forgiveness. The most I am told, repeatedly, for months now, is that PHEAA/FedLoan Servicing needs to verify my employment with a qualified employer. However, as mentioned, I have been at the same employer for years, and PHEAA/FedLoan Servicing has, in each year except this last one, timely verified my employment and confirmed that the employer is qualified. As a result of PHEAA/FedLoan Servicings refusal to certify my most recent year of employment, I am administratively stuck on 108 out of the 120 eligible payments. I am particularly distressed because it is clear that PSLF applicants are being processed on a regular basis these days, but my application is being left behind for unclear reasons. I have fulfilled my obligations and responsibilities towards loan forgiveness under the PSLF Program over ten strenuous years in public service. I am hoping that you can use the influence of your office to help push my application through. Thank you again. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion had a breach in XXXX where inquires were taken off then added back on. They did not notify me that this had happen. It is not legal to add things to credit without notifying me in writing. Then again this same thing happen in XXXX again. Once again I was n't notified and these inquiries were added back. I called Transunion and they said they could not do anything about the above breaches. These inquires should not have been added back twice. These need to be removed immediately. Thank you for your 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 2021-08-24
Company: JPMORGAN CHASE & CO.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Chase bank issued my auto loan for a used car I purchased last fall from the dealer. The issue I've had is that while the loan agreement expressly allows for me to make payments up to 90 days in advance Chase 's setup makes this almost impossible to do. If you submit a payment online and indicate it's a monthly payment the system changes it to a principal only payment without asking or telling me. If you send a check with a letter specifically directing the payment to be made for upcoming month 's payments they still do the same thing if you pay online. Even when I made a payment over the phone with a representative and specifically instructed how to apply the payment they lied by saying it would be applied to a following month and still made it a principal payment. 
The only way to actually get the payment applied correctly is to call back after making the payment and having a representative reverse it out and then reapply. This process takes up to an hour each time and the time period to fix the payment can be up to a week. 
It is clear Chase has this set up to make it difficult to pay ahead and allow them to try and violate the terms of their own loan. I finally just paid it off so I wouldn't have to continue to work with Chase bank but this process that they forced seems very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo is incorrectly reporting late payments on my home equity loan within HELOC for the months of XX/XX/XXXX and XX/XX/XXXX. I have been and am current and in good standing. These inaccuracies are unfortunately impacting my credit score quite dramatically ( 80+ points ). It is extremely disappointing to have these unjust discrepancies as I have been a fantastic customer.

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 2022-08-25
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation