BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
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: Information belongs to someone else

Complaint:
I am filing again this complaint and informing you to do an investigation on this account XXXX XXXX XXXX XXXX that is appearing negatively on my report that I am not aware where it came from. This is my 2nd time filing a complaint because my first complaint was closed without proper investigation. I am attaching the letter I have sent to the bureaus.

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
in response to what tranunion is going to do here is what i want donego over cpmplaints i submit and according to law you have to provide me with my wet signature or proof i was ofered credit from all these companys XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Retailer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/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 2022-09-18
Company: Resurgent Capital Services L.P.
State: TN
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:
XXXX : 6 addresses, 7 closed account and 2 Collections that need to be removed from my credit report. 
XXXX : 7 closed account that Need to be remove from my credit report. 
XXXX : 8 closed account, 2 collections, 1 address that need to be removed from my credit report. These credit bureaus are reporting inaccurate information into my report WITHOUT MY CONSENT AND that is causing me to get denied for everything that I apply for. Even for an apartment, Im going XXXX cause no one want to lend me anything. These negative items in my credit report is causing me my XXXX XXXX. Im stress and Im going to loose it if XXXX, XXXX and XXXX do not Delete the negative items on my credit report. I have disputed these negative items on my credit report EVERY SINGLE MONTHS to get them out and they still not being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and # 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 : Also states a consumer reporting agency connot furnish a account without my written instruction

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 2022-09-18
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: Account status incorrect

Complaint:
XXXX and experian they are using my accounts from XXXX  XXXX that has discharged and showing and reporting 90 days late causing my score to drop they have blocked any dispute on line and has not responded to any mail in disputes I sent them possible negative that's was on my report and I reported it to you and it disappeared using language signal to creditors what's type of account it is.using certain words on report I have not paid any thing late since I filed my XXXX XXXX discharge putting loan amounts and showing current lates like I'm recently missed payment latley.

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 2020-11-11
Company: Experian Information Solutions Inc.
State: MD
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

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 2020-11-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/ {$66.00} Company that I don't recognize report a collection debt on my credit report without authorization and previous notification. Also, they never sent me a bill on my address, email or a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter on XXXX XXXX, 2016 to One Main Financial which was listed on my credit report requesting validation of this account. I requested that if they could not validate this debt that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XXXX XXXX, 2016 I pulled another copy of my credit report and noticed that One Main Financial did not furnish the credit bureau 's with the required disclosure within the 30 day period required by law. Under Federal Law they are to place a " notice of dispute '' on my account within 30 days of my dispute which they received in XXXX 2016. I sent a certified letter to One Main Financial on XXXX XXXX, 2016 informing them they were of this federal law violation. To date they have not deleted my account as requested and they are clearly violating Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2017 I received a call ( first contact ) from IC Systems on behalf of XXXX. They provided incorrect information about my cancellation date and associated charges. On XXXX I submitted a formal written dispute, including proof that their information was false and requested that the debt be verified. The letter was sent via registered mail and received on XX/XX/2017. I did not receive any response. Instead they reported and unverified delinquency to the credit Bureau and violated my fair credit reporting rights.

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 2022-09-18
Company: AES/PHEAA
State: OH
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:
On XX/XX/1922, I called Fedloan to ask for a refund for payments made during Covid period under Cares act. It has been over 4 months and still havent received a refund. I called again on XX/XX/22 and checked on the status of the refund and they said I never requested a refund. I have email documentation and phone records showing I requested the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Westlake Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have made all of my payments on time. I also have the right to privacy. A consumer agency can not furnish an account without my written instructions. I wish for my payment history on my account to be changed.

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 2015-12-25
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
For nearly 2 years, one collection agency after another, harassed me by phone at irregular times with questionable business/collection practices. 

When I wrote back disputing the facts and offering to pay what was ( less than ) the fair amount owed, the agencies transferred collections repeatedly and continued to place inaccurate record on my credit. 

they repeatedly did not answer to my fair, final settlement to pay and settle and totally stopped communications this year. IC systems have been less than fair when it comes to my end of the negotiation and writing to settle. 

copies of my effort to communicate, offer to settle for fair actual amounts owed were in vain, and are available for review, if needed. 

please help me get this monkey off my back and restore my credit. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Arbor Residential Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca has erroneously begun evaluating my mortgage for PMI cancellation, which I did not request. 

This is a problem because it leaves me exposed to subsequent illegal fees ranging anywhere from {$12.00} to {$1200.00} for BPO, appraisals, inspections, etc. according to the fee schedule on my mortgage statement ( Exhibit A, Page XXXX ). 

On XXXX/XXXX/2016 I sent a " secured message '' via Seneca 's website ( Exhibit B ) requesting that they re-analyze my escrow ( and lower my payment ) since their latest escrow analysis failed to take into account that PMI will terminate automatically in XXXX since my loan will have reached 78 %. Please see the attached screenshot of my account from Seneca 's website to verify the date of automatic termination ( Exhibit C ). 

On XXXX/XXXX/2016 Seneca posted a " Letter '' to my online account on their website informing me of the erroneous evaluation ( Exhibit D ). 

It is worth reminding that PMI cancellation and termination are not the same thing and that PMI termination happens automatically, without fees, and without any sort of evaluation, which is precisely why I opted to not request PMI cancellation and instead let it terminate automatically XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 I requested National Credit System provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: ACS Education Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I applied for an economic deferment in XXXX of 2016 when my current deferment was ending. they kept requesting more information and I kept sending more information mind you each time took XXXX to 3 weeks for them to process. then they reported me 60 days late even though I had been going through this process the entire time. Finally after over 10 phone calls and XXXX faxes they applied my deferment retroactively. They refused to remove the lates even though I was in deferment. According to section XXXX they need to be reporting accurate information. How could I be late and I 'm deferment at the same time? They have been absolutely awful. This is literally XXXX of the most frustrating experiences I have encountered. Please help! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, 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:
IN RESPONSE TO EQUIFAX WHERE THEY ON XX/XX/XXXX SENT TO XXXX XXXX XXXX, UNDER THEIR CONFIRMATION # XXXX, WHERE CHANGES MADE TO MY CREDIT REPORT AND WHAT ACTIONS WERE TAKEN. 

EQUIFAX STATED WHERE I CAN PROVIDE ADDITIONAL INFORMATION ABOUT MY DISPUTE RESULTS WITH ADDITIONAL INFORMATION AND I AM COMPLYING. 

I AM COMPLYING AS REQUESTED BY EQUIFAX BY PROVIDING A COPY OF MY LETTER TO THE Office of the Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Re : Case # XXXX : XXXX XXXX  XXXX/XXXX  XXXX. 

Where XXXX XXXX  XXXX/XXXX XXXX violated the following Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) The credit cards issued under accounts # XXXX opened XX/XX/XXXX and XXXX opened in XX/XX/XXXX was an illegal act by XXXX XXXX   XXXX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have one ( 1 ) Bank of America credit card ending in XXXX and one ( 1 ) Bank of America debit card ending in XXXX. 

I do not know when monthly payment is due BECAUSE THE BANK OF AMERICA NO LONGER PROVIDES ME WITH PAPER BILLS! 

I have repeatedly complained to Mr. XXXX of the XXXX, New Jersey branch of the Bank of America. He promised to make sure I have paper bills. That was three ( 3 ) weeks ago. 

I still receive NO paper bills and so am at a loss what I owe on the two said cards! 

I NEVER AGREED TO PAPERLESS BILLING!

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 monetary relief
Consumer complaint received 2015-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX, I was mailed a credit card offer by Capital One stating that payment would not have to be made until XX/XX/XXXX. I applied and received the credit card. I called in XX/XX/XXXX to find out the exact date of when the credit card payment would be due before the 0 % interest expired. I was told by a customer service representative that I had until XX/XX/XXXX to make the payment. I called again on XX/XX/XXXX and was told that the 0 % interest off would expire on XX/XX/XXXX and that there was nothing they could do about the misinformation that I received. Now if the payment is n't made in full, I will be subjected to 22.9 % interest. I feel like this was a scam and I would have never signed up for this offer had I known this was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've attempted to contact IQ Data, MULTIPLE times. Each time I get a rude rep who does not want to help me with my issue. The issue is I have the ledger and move out statement from the the collector prior to IQ DATA,  showing that the account is satisfied at a {$0.00} balance.I need IQ DATA to  cease collection and remove themselves from my credit reports. Not to mention, I searched TEXAS database for IQ DATA, they were not in the database, bonded to collect, which is MANDATORY in Texas. I'm about to be homeless if I don't get this account resolved. The collector prior to IQ DATA was XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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:
I opened a XXXX revolving line of credit in amount of {$10000.00} in XXXX. I paid the required bimonthly payment of {$260.00} for 16 consecutive months ( debited automatically from my checking account ). After 32 on-time payments, I contacted XXXX to inquire why my balance continued to go up even though I was making on time payments. I also inquired about making a lump sum payment to pay off the account more quickly. It was at this point that I was told that my interest rate was nearly 50 % and that I was not allowed to make a lump sum payment on the account unless I paid the entire balance of {$11000.00}. At this point, I realized that this was the typical predatory loan that was designed to hurt consumers rather than help consumers in need. 

At this point, I contacted and contracted with the XXXX XXXX XXXX to settle this account. I had already re-paid about {$8000.00} on this loan in 16-18 months however my loan balance was increasing. The XXXX XXXX XXXX was able to arrange a settlement agreement on the account for about {$4100.00} ( on top of the {$8000.00} I had already paid ). The agreement stated that I was suppose to make monthly payments of {$250.00} for about two years. I paid the entire {$4100.00} settlement amount off in 4 months. A stipulation of the settlement agreement entered into by the XXXX XXXX XXXX and XXXX was that no payments would be reported late once the contract was formed and executed. XXXX breached the contract with the XXXX XXXX XXXX by reporting my payments late to all credit bureaus during XX/XX/XXXX - XX/XX/XXXX. The contract clearly stated that no payments would be reported late as long as I made my payments on time to the XXXX XXXX XXXX. The XXXX XXXX XXXX promptly paid XXXX each month on time yet XXXX still reported that my initial {$500.00} obligation to them was late even though they contracted to accepted the settlement monthly amount. 

I have contacted XXXX on multiple occasions to request that all late payments during the settlement agreement period be removed. They indicated that the no late payments were to be reported during the settlement period provided that payments were made yet late payments were reported. Please have all 5-6 of these late payments to XXXX deleted from all of my consumer reporting agency reports XXXX Equifax, XXXX, and XXXX  XXXX. Please report this account as a positive paid on time account. This has negatively affected my ability to establish credit, purchase a car and purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made continous payments toward my XXXX XXXX account and the agreement was to have these items removed and they were not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed