BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-29
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX charge me for service and product for that they erroneous duplicated. They sent me XXXX modems and XXXX different phone numbers. XXXX I used for year and half and other modem I sent back. I have tried to get this corrected since the service started om XXXX of 2013. They claimed I owe them {$350.00} for service I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been notifying Transunion of an issue with my credit report now over the last few months. However, there are still several inaccurate accounts on my credit report. This has gone too far and I havent seen any justice with the investigations.

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 2020-12-31
Company: Experian Information Solutions Inc.
State: NJ
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 have contacted experian numerious times via mail and over the phone in regards to fraudulent accounts that have been established in my name they have failed to remove these fraudulent accounts from my report even after sending them a police report and Identity theft report that lists these accounts as fraud. There claim is that they have gotten a response from the creditor indicating that the accounts are valid in which they have also failed to provide documentation to support this claim. I believe that my rights under the FCRA are being violated. I am asking that Experian be contacted and that a resolution be made in regards to these fraudulent accounts.

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 2020-12-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX of XXXX, the XXXX student loans associated with my wifes XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they ( XXXX ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX ) is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of 30 plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.

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 2020-03-11
Company: NATIONS RELIABLE LENDING LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I WAS GIVEN AN OFFER TO PURCHASE MY HOME XX/XX/2020. THE BUYER WAS TO HAVE EARNEST MONEY DEPOSITED BYXX/XX/2020. THE BUYER WAS TO HAVE PROOF OF A LOAN BY XX/XX/2020. THE CLOSING WAS XX/XX/2020 AND AT THE CLOSING I DISCOVERED THAT THE LENDER, XXXX XXXX OF NRL MORTAGE WHO HAD TOLD ME ALL THE REQUIRED MONEY HAD BEEN OBTAINED, HAD BEEN ROLLED INTO HER FHA LOAN WHICH SHE OBTAINED 2 DAYS PRIOR TO CLOSING. BREACHING THE CONTRACT AND KEEPING MY HOME OFF THE MARKET FOR 2 MONTHS FOR A PERSON THAT HAD NO FUNDS. 
I ALSO WAS CHARGED WITH HER CLOSING COSTS AND THE PRICE OF THE SALE OF MY HOME WAS REDUCED FROM {$98000.00}. TO {$97000.00}. DUE TO A MATH ERROR. 
HER LOAN AMOUNT WAS LISTED AS MY SELLING AMOUNT AND I WAS CHARGED FEES ON THE LOAN AMOUNT OF {$100000.00}. AS I WAS TOLD SHE ADDED {$6000.00} TO HER LOAN TO COVER HER CLOSING COSTS. IN THE END I ENDED UP LOSING {$10000.00}. OFF THE PRICE OF MY HOME AND THE COSTS I INCURED AND SHE WALKED AWAY WITH {$110000.00}. IN CREDITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I took this loan out to go to school. The school ended up closing.. credits not acceptable anywhere. They lied and told me they would find me a job nothing. Now Im trying to go back to school to get my XXXX and I cant because of this debt. Its for XXXX charged off on my credit report and I still cant use the certificate they lied to me about getting at XXXX. I need to go back to school.. I need this off my credit report. They keep sending it to different collection agencies..Please help. From 2008..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: AR
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:
Im assuming that you either didnt receive my letter on XXXX2020 or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted 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 2020-12-31
Company: EQUIFAX, INC.
State: AR
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:
Im assuming that you either didnt receive my letter on XXXX2020 or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter From Credit Collection Services about a debt that I supposedly owed from XXXX XXXX the company that hired them. I do NOT owe This collection agency OR XXXX ANY MONEY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 report act. capital one account # XXXX has violated my rights. 

15u.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 2018-06-28
Company: EQUIFAX, INC.
State: AZ
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 XXXX is not mine. It needs to be removed from my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX Regarding above complaint ; after months of fighting, Wells Fargo forgave the debt and XXXX out my account and closed it. Months later, I started receiving collections calls for more than {$1400.00}. 
I have been what seems as duped into believing that this company had rectified this error on their part and instead just moved the debt to another are of the company to try and retrieve. 
Please tell me how I may fix this once and for all and move on from this nightmare. 
Supporting document will be uploaded asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
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: Old information reappears or never goes away

Complaint:
For some reason XXXXXXXX XXXX  has been on my report since XXXX or XXXXTHIS IS NOT MY ACCOUNT AND IS REPORTED AS FRAUD BUT Equifax continually puts it in collect for the 8 years. 
A ) I have attempted to contact Equifax but it goes in circles I can not get in touch with a live person.I also noticed the creditor or collection agency lied and stated it was placed in XXXX???? Why this was not caught by Equifax with their expert monitoring is beyond me. I want this removed immediately. 
B ) XXXX XXXXXXXX is also another Fraud Account, I sent letters stating those charges were not authorized by me that were made to XXXX???? XXXX also sent a letter stating the charges were unauthorized. Those are not my charges and I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have been sending XXXX & Transunion information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries. 

As I understand it, they have 30 days to respond, which must be made available to me by law. 

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my Transunion & XXXX  Credit Reports and after finally receiving the Transunion report, it would not allow me to proceed to receive the XXXX report. 

Then it wouldn't let me back in to get the XXXX report saying that it was no longer available online.

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 2020-12-31
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:
I was part of the class action law suit against XXXX XXXX XXXX. I signed the executed agreement based on the terms laid out in XX/XX/XXXX. In the agreement I would receive a financial settlement and in paragraph 3 XXXX would remove all entries regarding the account from the credit bureaus. XXXX agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that XXXX refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact XXXX they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage XXXX has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted XXXX they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states XXXX should have removed this entry months ago with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was part of the class action law suit against XXXX XXXX XXXX. I signed the executed agreement based on the terms laid out in XX/XX/XXXX. In the agreement I would receive a financial settlement and in paragraph 3 XXXX would remove all entries regarding the account from the credit bureaus. XXXX agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that XXXX refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact XXXX they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage XXXX has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted XXXX they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states XXXX should have removed this entry months ago with all three credit 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 2015-05-07
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Eaton Group Attorneys are collecting an alleged debt for XXXX XXXX XXXX and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed Eaton Group, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! 

Because I can not seem to get anywhere with Eaton Group directly, this is my next line of action. 

I have also provided Eaton Group with an Affidavit showing that the XXXX XXXX card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had our mortgage automatically payment withdrawal through XXXX  XXXX for over three years, XXXX XXXX  had our email, phone number and property address. We received a letter from another bank in XX/XX/2020 that our mortgage hasnt been paid for 4 months, we called immediately and paid all the missed payments and late fees even though we never received a single email nor a phone call nor a letter till the account was passed due for four months and we had no idea that XXXX  XXXX  sold our account to Arvest central mortgage company. Now Arvest central mortgage company investigated the issue and sent us a letter saying that they will repair all the negative credit reporting they caused, however, they added more fees to the account related to the missed four payments that they never sent us a bill for. We asked over and over to have the fees removed and the declined to remove them, we would like to get a refund of all the late fees paid and we hope to have the account transfer to another bank in the near future. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive tried to resolve the late payment issue with fed loan servicing but their refusing to assist me. I suffered a terminal illness back in XXXX which I was unable to make my monthly payment. Again in XXXX I was hospitalized with XXXX  XXXX which caused me to miss XXXX months of work. The student loans were paid off and consolidated with another company. Fed loan servicing is refusing to remove the late payments. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a credit freeze on my credit report. I want to be able to lift the freeze via the internet. I am not able to lift this freeze without calling and wasting 30 minutes on the phone. They have incorrect data for previous addresses and will not correct this. When I call they give me the run around. I want to lift and set my security freeze based on the pin number issued by Transunion over the internet. I do not want to have to call in and announce my soc sec number and pin over the phone for everyone to hear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other then records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) a person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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