BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: CURO Intermediate Holdings
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 is missing that should be on the report

Complaint:
I previously filed a complaint against Ad Astra Recovery services through CFPB ( XXXX ). Part of their response was : 1. ) " Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client. '' 2. ) " Following a review of the consumers complaint, Ad Astra could not find any instance of failing to provide validation to the consumer. '' 3. ) " Our client has since confirmed the ACCURACY of the information and the amount owed for the account. We have researched our records and the current records of our client and determined that there is NO INCONSISTENCY with the data we are reporting to the credit reporting agencies. '' Unfortunately, I have looked at my latest reports from XXXX and XXXX, and found that inaccuracies and inconsistencies are being reported on my credit by Ad Astra : 1. Ad Astra Recovery is still reporting two different " Dates Last Active '' to XXXX and to XXXX. 
2. Ad Astra Recovery is reporting two different " Dates Opened '' to XXXX and to XXXX. 
3. Ad Astra Recovery is not reporting a past due amount, credit limit, No. of months ( term ), Date of last payment, or monthly payment.

Ad Astra has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that Ad Astra has NOT researched and verified this account in violation of my rights.

Needless to say, their willful and continued disregard for the law has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My check was fraudulent from a potential employer. I did not know this before the submission to the bank since I was seeking an employee account. When the bank informed me that the check was a fraud. They then requested documentation of the entity that sent me the check. The next day I went to the original banking center and submitted the documents I had. I asked The representative to call or contact my Credit bureaus and informed them of my intrusion into my finance. the representative then stated " no that 's not my position '' and decline to inform the authorities about my encounter. I further informed Him that this is the XXXX time I have been sited for this kind of fraudulent conduct and he still stated that he would do nothing on my behave or " not his position ''. How can we Americans stop this type of intrusion unless we have better assistance with these needs. Life, Liberty and the Pursuit of happiness comes in where on this matter? Thank You for you consideration on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 2022-07-05
Company: Experian Information Solutions 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, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2019-03-12
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax and XXXX XXXX XXXX are fraudulently reporting a negative credit item in the amount of {$210.00} despite being contacted by the FTA and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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:
I saw on my experian credit report 3 inquiries which is not mine, please help me to they remove from my credit report. Thank you XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX.

Type : Bank Credit Cards Phone number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX  XXXX  CARDS XXXX   Inquiry date : XX/XX/XXXX.

Removal date : XX/XX/XXXX Type : Bank Credit Cards Phone number : NO PHONE PROVIDED Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX   XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Type : Bank Credit Cards Phone number : XXXX Address : XXXX XXXX XXXX XXXX, DE 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 2022-07-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 closing attorney requested partial payoff and release from a portfolio loan. Mortgage company - Select Portfolio Servicing submitted a payoff figure for the full amount of the loan - not the partial as per the loan documents - page 45, section 25. This is holding up our closing and funds dispersal. Select Portfolio Servicing, Inc. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I obtained a consolidated student loan with ACS in XX/XX/XXXX. In the XX/XX/XXXX another consolidated all my loans again and the loan with ACS was paid in full and closed. On XX/XX/XXXX, I received an alert on credit check total that ACS had flagged my credit report with negative information. ACS decided to report my CLOSED and PAID account as CURRENTLY 120 days past due. The account has been CLOSED and PAID since XX/XX/XXXX. As you can see from the attached evidence ACS is reporting that the CURRENT status of this account is 120 days past due which is defamation and false reporting under the FDCPA. My score decreased because of this misrepresentation. I do n't currently have an account with ASC so why are they reporting a PAId and closed account as 120 days past due in XX/XX/XXXX? Please correct this misrepresention of my account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have sold my home and we are waiting on closing. I also mailed a copy of the sales contract to Vanderbilt Mortgage. The closing company has requested the title and deed from Vanderbilt but someone from Vanderbilt contacted me on XX/XX/2017 wanting XXXX. Closing was set for XX/XX/2017 but the appraiser found that XXXX mobile homes did not put anchors on my home over 13 years ago. That has been taken care of and inspected and approved and the appraiser has to do a walk through and we can close. Vanderbilt wo n't stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I feel puzzled right now coz I have no idea what is going on over there at the CFPB. Ive submitted this same complaint twice already but you still claim Im not the one submitting it. This to me is just foolish. So Im submitting it again hopefully for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the public records listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the public records without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these public records blocked/removed from my credit file per FCRA. 

XXXX  XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX 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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX 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 2017-05-31
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am in the process of my fourth and final year of my   XXXX   XXXX   obligation ( I literally would be done with   XXXX   XXXX   XXXX  on   XX/XX/XXXX  ), but as of  XX/XX/XXXX ,   my grant (  XXXX  ) was turned into a loan ( with an interest aroun d 7,000 ) due  to not turning my paperwork in on time. The reason I did not turn the form in was because last year I had an awful time with it. I sent it in 4 times before they approved it because they kept saying that I could not put a future date ( I kept putting that I finish in   XX/XX/XXXX  even though they want the form in  XX/XX/XXXX  ) s  o  this year, I decided to wait until the year was finished to turn in my paperwork because I thought the due date of the form was a mistake on their (  Fedloan 's ) part. I have attached the form and on page 2 y ou can see where they ask for the to and from dates.   To be honest, I 'm devastated, because this grant has basically determined my whole pas t 5-6 years. I added   XXXX   XXXX   to my degree to receive the  grant, I moved to certain locations to work at a  XXXX  that is   XXXX   XXXX   XXXX  accepted and I only took on positions that aligned with the requirements of the   XXXX   XXXX   XXXX  only to lose everything I worked for over a form. When I called to try to work this out, they brushed me off as if this was no big deal and acted like I had no options and that this was a done deal.   I guess I am e-mailing you just to see what you think my next step should be or if you know of any contacts at the federal level that could help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in the process of refinancing my home loan. The previous lender sold my loan to XXXX XXXX. I have requested a " net escrow '' payoff from my new mortgage lender since XXXX XXXX, 2015. There have been several requests since then. I have called in and also faxed in a request several times, with no success. They keep sending me a regular payoff. I had {$2400.00} in my escrow account that was to be deducted from the payoff balance. They keep saying they have processed the request. Two weeks ago they sent out a payoff only showing a balance of {$1100.00} and the property taxes are n't due until next month. Last week I requested documentation that shows what happened to that money and have received no explanation. This delay has caused me to lose my rate lock and now rates have gone up, which is now costing me thousands of dollars in back end interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2017-03-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was recently viewing my credit report through experion credit report- and after looking at my credit report I did notice there were late payments on one of the cards. I thought that was odd because I do not have any debt on my credit all my debt is paid off. Doing some more investigation from XXXX I did find out I did have a negative balance of {$2500.00} of which I was not responsible for which is a result of identity theft. The Citi card was opened on XX/XX/XXXX and the card was closed due to charge offs. So someone did use my social security number, possibly my name with a different address to shop for the following items. 
After doing some investigative work online I did find out that the card is associated with Home Depot or it 's a CITI card that they issue to home depot. I initially called the CITI cards and they told me they do n't have me on file that I needed to contact Hope Depot in order to dispute the charges. After calling the Home Depot they gave me a CITI card number again and they told me to call the following XXXX numbers XXXX of the numbers is associated with their Home Depot CITI cards. XXXX. The other number is XXXX XXXX. 
I have n't had a chance to call the last XXXX numbers. I did contact some other government agencies and I did file a report. On the other hand I did contact the credit bureu and they did file an identity theft report and they are doing some investigative work and they 'll let me know what he result is in the next 30 days. So as a result I 'd like the following credit card issuers to clear my debt because its ruining my credit or I 'll be taking legal charges against CITI/Home Depot card for ruining my credit. Thank 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Frontline Asset Strategies, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received a missed call from an unrecognized number. I called the number back at XXXX in which stated Frontline Asset Strategies. I spoke to someone in why I explained that I did not owe this debt to them. Upon the first contact that I have had with them on XX/XX/XXXX, I informed the representative that I had not received any written notice in regards to such debt and the call was disconnected. As of today XX/XX/XXXX, they have been calling repeatedly I did not receive written notification within the 5 days as per my rights under the Fair Debt Collection Practices Act. I sent them a letter today by Certified Mail Return Receipt informing of this and instructing them that I will seek legal compensation for violating my rights unless collection attempts are terminated for violating the laws to allow a consumer to validate weather the debt is valid!

Company response to consumer: Closed with explanation