BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX bank told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXXXXXX bank had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXXXXXX bank but they have yet to correct the information on my consumer repoort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Incorrect info from XXXX stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at XXXX that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with XXXX has done no good. Please help us remove the incorrect info that XXXX has chosen to ruin our credit for us two XXXX  citizens in XXXX XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was PAID ( XXXX on my taxes by original creditor ). 
This account should NOT be reporting on my Credit Reports by a Debt Collector as this debt has already been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust Mortgage placed hazard insurance on a residential investment property that I owned. I complied with the instructions for the class action law suit, XXXX v. SunTrust Mortgage Inc. et al., Case No. XXXX ( XXXX. Florida ) but my claim was rejected because it allegedly remained incomplete, even though the documents were submitted in full compliance with the instructions. They ultimately foreclosed on my property, claiming that the loan modification documents provided for the request were incomplete, again, even though they were in full compliance with their 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 2016-04-26
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
FEDLOAN servicing is refusing to respond after 3 months of waiting ... and continues to report and refuses to do anything but " SERVICE ME " when asked to simply provide validation they have responded with silence for 3 months but will not remove the item from report. I asked them to prove who they are, and they have not STOPPED sending me notices about how much I owe, and here I thought that the FDCPA and the FCRA say stop all collection until the dispute is finished??? HELP!!!!!!!!!!! I have been forced to place a fraud alert on my report and have contacted FTC ... I have recording of the treatment I suffered at their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In mid-2014, XXXX sold off its servicing rights or mortgage portfolio to Specialized Loan Services (  SLS ). Since inception, ACH was set up with XXXX to have monthly mortgage payments withdrawn from a designated bank account. When SLS took over from XXXX, SLS failed to properly transition my two mortgage accounts and failed to inform me of any issues with late payment. SLS reported delinquency in payments to the credit agencies. The designated bank account was always fully funded. I have attempted to have SLS correct this error but was given no attention. I have since paid off the mortgages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I was recently part of a class action lawsuit with Wells Fargo CPI, and they are admitting that they were at fault and contributed to me filling a bankruptcy do to repossessed vehicle, Im asking Well Fargo to contact XXXX to have Bankruptcy removed that was filled in 2012, 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 explanation
Consumer complaint received 2017-10-15
Company: EQUIFAX, 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:
There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/16 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my report XX/XX/2022 ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries

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 2015-04-22
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green-tree Service representative XXXX would not resolve or aid in simply getting information to change insurance and escrow information. She repeatedly would put me on hold and not transfer to supervisor when requested. I called in to change our information but she would not supply me with the information to complete my request, after being left on hold for 30 minute and then disconnected I called again and was put back through to " XXXX '' when I requested a supervisor she hung up. Called a XXXX time with the same result. Called a XXXX time and asked to NOT be transferred to XXXX, the rep was able to give me the information requested. XXXX is our " point of contact and has been abusive and repeatedly break 's agreements about contacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i am trying to get a loan modification from abnk of america, and the keep asking me to send them more paper work, and more paperwork..My name is XXXX and XXXX XXXX XXXX, and my loan # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
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 purchased a 2009 XXXX XXXX with my son. He was arrested and the vehicle was seized. I worked with the states attorney and credit acceptance to get the car back and obtained approval from credit acceptance to reduce the payments from {$460.00} to {$300.00} which I have been paying monthly and sometimes twice per month. I recently was made aware that the car was out for repossession before it was seized because my son did not make his payments but once it was seized the repossession stopped. Credit acceptance is stating that the payments are being reported as 120 days late each month because of the prior repo order. I am being told there is nothing they can do even when I am current on my payments because the car was up for repossession at one point which made the entire loan due. I was never told this when I renegotiated the payment amount and this is effecting my credit score drastically. I have tried to call a manager but no one has returned my calls and the representatives are rude when speaking to me. My payment history proves my on time payments and the letter I received when lowering my payments never speaks about The entire loan being due. Please look into this matter as I believe this is an illegal and unfair practice.

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 2017-05-22
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received an incorrect bill. They have called me, giving me an ultimatum, and telling me they would affect my credit. This seems to be harassment due to the below history. History : XX/XX/XXXX- I petition health benefits from the Social Security Administration ,  receiving a response saying I do not qualify. XX/XX/XXXX- I go through a XXXX procedure at XXXX XXXX XXXX XXXX XX/XX/XXXX- I receive a bill fro {$480.00} of charges, totaling {$1900.00} where XXXX would cover {$1400.00}. XX/XX/XXXX- The coverage by my health insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ended. XX/XX/XXXX- The coverage from XXXX XXXX XXXX XXXX XXXX , began XX/XX/XXXX- I paid the bill of {$130.00} for the total charges of {$290.00} where XXXX covers {$210.00} XX/XX/XXXX- Agreed for a payment plan to pay the balance of {$480.00} in 10 payments. I completed these payments between XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX- I received a bill for {$680.00} XX/XX/XXXX- I had a conversation with a representative at XXXX where I explained that this payment doesnt correspond to me, since I had already paid my {$500.00} deductible, and it is the responsibility of XXXX to pay that bill. I also added that it was very inconvenient that they were creating differing statements. XX/XX/XXXX- I receive a notice for the Collection Agency requiring the payment of {$680.00}. XX/XX/XXXX- I receive a telephone call from the Collection Agency ( XXXX  XXXX ) where I explain the inappropriateness of this bill. I then sent all the records and history of this issue. XX/XX/XXXX- In other conversations where I myself called XXXX , they agreed to pay this charge ( even if I dont have coverage with them at the moment ). The only condition they placed is that I send them a letter from the Social Security Administration stating that I was not qualified for XXXX. I obtained that letter, I sent it to XXXX and a copy to the Collection Agency. We agreed to wait for a response. XX/XX/XXXX- I received another notice from the Collection Agency requiring the above-mentioned bill amount, this time with very harassing notes, without any attempt to speak and communicate with me over the our previous agreement of waiting for a response from XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from 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 2022-02-28
Company: National Credit Adjusters, LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since NATIONAL CREDIT ADJUST has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. They also do not respond to requests for proof of signature and incorrect opened date. PLEASE Reprimand them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I accessed a free credit report from Experian in XX/XX/XXXX. I did not authorize a trial membership from the company, which charged me approximately {$15.00} every month since then until I cancelled the account on XX/XX/XXXX. I asked for a full refund. Experian said no after I spoke with a supervisor. I then filed a fraud claim with my credit card company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated an {$8000.00} wire transfer from my local Suntrust/Truist Branch in XXXX Fl, XXXX XXXX Branch from my checking acct XXXX on XX/XX/20. The " Pay Through Bank '' was put on by The Suntrust Rep as XXXX XXXX  XXXX, XXXX. New York XXXX. The receiving Bank in XXXX later advised that the pay through bank should have been XXXX XXXX XXXX XXXX and Suntrust advised to me the funds were returned to XXXX on either XX/XX/20 or XX/XX/20. My local Suntrust Branch advises that they have been reaching out to XXXX and the {$8000.00} is " in suspense ''. I am advised by Suntrust that there is nothing I can do and have to wait. The funds were to purchase a vehicle in XXXX and the transaction has fallen apart and a {$1000.00} deposit has been forfeited. I also had monthly bills and obligations to meet and now do not have the funds to meet them.I am being put in dire financial straights and need some help on this ASAP. The Bank in XXXX was XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX to be deposited to XXXX XXXX Acct : XXXX. I would greatly appreciate anything you can do to get the {$8000.00} returned to my account ASAP as I am now in desperate financial straights. Thank You very much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2020 an automotive company attempted to run my credit report, as did another a few days prior, and had issues attempting to get it due to a fraud alert. Please have Experian, XXXX, and XXXX  remove fraud alerts, immediately. Thanks

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IC Systems did not provide information on letter C ( Step 3 ) in the previous 1692gb letter that I sent them. They have not given me the acopy of yourlegal authority to collect the alleged debt onbehalfoftheoriginalcreditor. You are attempting to collect an alleged debt that I do not owe in clear violation of the FDCPA. 

I am attaching another document to this complaint.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MS
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:
Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone opened up an account using my name and social security number And then transferred money using XXXX to another person. Opened the account on XX/XX/2021 and then on XX/XX/2021 sent several electronic payments equaling {$210.00}. I received a statement from a collections company from the bank to settle the account balance, so I then went to the bank and reported it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: Stellar Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX pulled my credit twice accidentally within two days, XX/XX/XXXX & XX/XX/XXXX which as irrelevant as it is dropped my score tremendously.. 

I should not be docked for mistakes made by banks. This was an obvious error on their part not mine. 

I am so fed up with this unfair system.

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