BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except XXXX  XXXX XXXX. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern Hello, my name is XXXX XXXX. I am trying to refinance my home. I just found out in XXXX that my credit score has gone down significantly because of two 30 days past due claims by my mortgage company in XXXX and XXXX. This was a surprise to me considering I never missed a payment. Since the origination of my loan my payments have been between XXXX and XXXX per month. I always pay XXXX just to insure I am paying above the amount of the mortgage. 
In XXXX. I received a letter stating that I was going to have forced insurance if I did not provide proof of insurance. In XXXX. I had my insurance provider send proof of insurance. Assuming that the problem had been resolved I continued to make my payment as usual. 
My mail is not reliable, so I was not aware that fifth third bank had misplaced the proof of insurance and raised my payments up until I got a phone call from fifth third bank notifying me of my partial payments in which I immediately brought the account current. I had my insurance company resend my proof of insurance and the problem was corrected and they mailed me a reimbursement check. I assumed that because they were willing to correct their mistake they would also correct their credit reporting but I was mistaken. 
In XXXX they said that I was an entire month delinquent. Upon further investigation it was determined that my regular payment was not being recognized because it was a partial payment due to an escrow adjustment that I was not aware of. This was corrected and I immediately brought my account current. 
Because of this confusion they reported to the credit bureau two thirty days past due claims. I asked them to correct this, and they said they could not because the shortages were not because of the mistake they made on my insurance, but rather the escrow adjustment. I feel this was an unfair reporting since I was working on resolving an insurance dispute with them at the same time as these adjustments were made. They have since adjusted my escrow back to its original amount. ( very suspect ) They are not accepting any responsibility for the misplaced payment or the mistaken laps in insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint years ago an the account was supposed to be marked not to create an escrow account without my permission. ( case XXXX ) I called in to try and resolve and the rep refused to transfer me to a manager or the office of the president after I provided all the information requested. I did not and WILL not be ok with bank or america creating an escrow account. I pay my taxes directly. I pay my insurance directly. The only taxes due are the current year taxes and the year is not out.

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 2015-09-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX XXXX XXXX, to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX XXXX XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with ARS 33-1361. Pursuant to ARS 33-1321 ( d ), the XXXX XXXX XXXX XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX XXXX XXXX XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX XXXX XXXX ANY monies, as rent was paid current through our tenancy. XXXX XXXX XXXX accepted return of possession of the unit on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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  Accounts # 1-6, has VIOLATED My Rights. 

1. XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX 2. XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15U.S.C 1681 Section 604 A Section A : It also States a Consumer Reporting Agency CAN NOT Furnish a Account without My written Intrusctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: NV
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 previously contacted Equifax on XX/XX/21 and XX/XX/21 about removing/Blocking/Deleting 3 accounts from my consumer report. 

Pursuant to the FCRA 15 USC 1681a ( 2 ) under the Exclusions section it states : The term consumer report does not included ( A ) ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. Also under the exclusions section in the FCRA, 15 USC 1681a ( B ) it states : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Pursuant to TILA 15 USC 1602 ( k ) " The term Credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining property, labor, or services on credit. Equifax has failed me as a consumer and violated my consumer right by allowing this information to continue to be furnished on my consumer reports, which has caused me great financial harm Also in response to my previous communications with Equifax, an investigation was allegedly administered. Pursuant to the FCRA 15 USC 1681a ( e ) it states : " The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such information. However, such information should not contain specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ''. To this date Equifax has never interviewed any of my neighbors, friends, relatives, or associates in relation to furnishing a consumer report in my name. Equifax has only received information relating to those accounts from the creditors and the creditors only which is another Violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
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: Problem with personal statement of dispute

Complaint:
Select Portfolio Service is my 2nd mortgage company. They have reported late payments from XX/XX/XXXX to XX/XX/XXXX. I tried to pay them but they returned payments. I have asked them to correct it. They will not work with me. They have now put me in forbearance so could make up the payments, but there will still be a negative impact to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Despite the multiple previous written requests, the CAPITAL ONE account still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-05-05
Company: KEYCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am trying to obtain relief due to the pandemic. We are one month behind and my husband is now out of work. I am very concerned as we are nearing the end of the loan term and can not make a payment this month. 

I tried to request an extension but the hold times are unbearable as I am working from home with XXXX small kids. Please help us obtain an extension and the available protections due to COVID. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am honestly not sure what this is for but my insurance covers XXXX percent of everything. Maybe you should include more information when sending someone a notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: ACS Education Services
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX back in school he can not make payment. I am co-signer and an XXXX years onld with finncial hardship. ACE refuses to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 2022-10-15
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX, acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records and convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if The person knows or has reasonable cost to believe the information is an accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX, ENCORE CAPITAL GROUP ARE INCOLLUSION WITH XXXX XXXX AND ARE BREAKING THE FINANCIAL CREDIT APARATUS FOR CONSUMERS AS WELL AS XXXX XXXX XXXX AND FCRA XXXX XXXX SEC XXXX XXXX. both illegal collections are still reporting on transunion llc after sol. expired XXXX  years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have XXXX private student loans with Navient ( Formerly XXXX XXXX ). I 'm just a month behind with my payments, however they have continuously called me daily. Normally, it 's 1 or 2 calls a day which I understand. Today ( XXXX/XXXX/15 ), I have been called 5 times from ( XXXX ) XXXX. This constitutes harassment by a collector. The call times are as follows : XXXX, XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX, ENCORE CAPITAL GROUP ARE INCOLLUSION WITH XXXX XXXX AND ARE BREAKING THE FINANCIAL CREDIT APARATUS FOR CONSUMERS AS WELL AS XXXX XXXX XXXX AND FCRA 15 U.S.C.. SEC TION 1681g. both illegal collections are still reporting on XXXX XXXX after sol. expired XXXX years ago.

Company response to consumer: Closed with explanation