BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: Possible Financial Inc
State: CA
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:
XXXX Account # : XXXX Date Opened : XX/XX/2021 Balance : {$190.00} This is a charge off account but it still has reporting balance. XXXX is not reporting and the payment history is showing multiple charge off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: OK
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:
Many years ago I paid a collection with XXXX XXXX and was advised that the tradeline would be removed from my reports. It was removed from XXXX and XXXX, but remains on Equifax. I recently contacted XXXX XXXX and spoke with XXXX. She advised me that they had requested for the collection to be removed years ago and no longer had any record of it. She suggested that I contact Equifax, which I have done multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: U.S. BANCORP
State: UT
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:
To whom It may concern, I recently, reviewed a copy of my XXXX  credit report and { US BANK XXXX XXXX } ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Us Bank XXXX XXXX and investigate such occurrence.

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 2017-09-12
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCC is reporting a balance of {$2200.00} with a past due of {$7900.00}. This is incorrect. The past due and the balance due are the same, {$2200.00}. 
I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CFPB Response Closed With Explanation XXXX XXXX ( Case # XXXX ) XX/XX/2022 Client Services , IncXXXX XXXX XXXX ) is a financial services provider, which represents clients in recovering delinquent account balances. Please be aware, XXXX does not purchase delinquent debt or file litigation against consumers. XXXX collection efforts are limited to telephone calls and written correspondence. XXXX appreciates that XXXX XXXX has taken the time to make the company aware of the situation. XXXX strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that XXXX takes all complaints very seriously. XXXX has conducted a thorough investigation of XXXX XXXX claims. We received XXXX XXXX accounts on XXXX. Per XXXX XXXX request, the accounts have been placed in cease and desist status and XXXX XXXX will not receive any more communication from Client Services , Inc . If they would like to discuss this matter, XXXX can be reached at XXXX. Thank you for giving XXXX the opportunity to investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Stellar Recovery, 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: Information belongs to someone else

Complaint:
Violates Hippa and CRA. 

Police report # XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: ERC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Violates Hippa and CRA. 

Police report # XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a ton of inquiries showing up on my report that I do not recognize. These companies had has not had my written nor verbal permission to access my credit file. I have reached out to each company individually and they have each stated for me to contact the credit bureaus. In doing so, each credit bureau has not addressed this issue in a timely matter. 
The companies listed did not have my permission to access my credit file. 

XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: LEXISNEXIS
State: NY
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:
My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out several federal student loans in the 90 's. They were all federal student loans, now serviced by Navient, but initially with Sallie MAe. They informed me during our last conversation that they were no longer Federally subsidized loans and therefore I wasn't covered under the payment moratoriums. They also told me 20 years ago I wasn't able to consolidate under the much lower interest rates later on because I had consolidated once before. That consolidation was only to aggregate the loan into 1 payment instead of the 15 or so payments they had coupon books for and locked in the same rated forever without being informed. I feel like I need a lawyer as the misinformation or lack of has mired me into a lifelong debt that will never be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a debt that I do not owe from medical appointments that were paid for by my insurance and the counselor agreed to accept what my insurance paid. 
They need to remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
75 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid - Payment Status Details Current, was past due 60 days Paid or paying as agreed - Status Updated XX/XX/XXXX - Balance {$48000.00} This account is reporting on my credit report, its not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: MT
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:
Equifax claims to have leaked my personal information in a data breach. This is an unacceptable level of data security on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 our loan was transferred from XXXX XXXX to Specialized Loan Servicing. We have XXXX borrowers on our account. I have made multiple attempts to access my loan, but am not allowed to post a payment or create an account, because I am listed as # XXXX on the loan. 

It is unacceptable that I can not access my account. I have made numerous attempts online and over the phone. 

The employees are rude and unhelpful, their phone system continuously disconnects you. Our payment is due today, and we have been unable to post the payment. They insist on charging exorbitant fees if you don't pay online, but will not grant online access.

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 2022-01-13
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, my checking account was overdrawn, causing me to be assessed an overdraft fee. Over the course of 5 days, I was assessed {$210.00} in overdraft fees, even though I deposited over {$700.00} over the course of several deposits. Because I could not deposit them quickly enough, I was continued to be charged for having overdrafts. When I reached out to the bank, they refused to credit any of the fees, citing that I had had one overdraft fee refunded in XXXX of XXXX. This was on XX/XX/XXXX. I believe that these types of fees directly impact customers who are clearly struggling, and prevent them from bringing their accounts out of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
This is regarding Equifax 's security breach - I 've had to place a freeze on my accounts, close accounts, and change all my passwords and security questions. I 've already had suspicious activity on a website where someone obtained my information and placed a XXXX dollar order on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and information that are erroneously reporting on my Credit report! I have been sending multiple letters requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: GA
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 filled out a form online asking for current VA mortgage rate quotes. I did not include my social security number on any form. This lender just sent me a letter telling me they could give me a mortgage after running my credit. When I checked 4 companies ran my credit, when I only authorize one of the four. My credit score took a hit from XXXX to XXXX because of this. I need it fixed ASAP because I am in process of buying new home and need best rate I can get.

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 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.

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 2022-01-13
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, I submitted CFPB complaint number XXXX, in which I explain that CashApp will not let me access the funds in my CashApp account $ XXXX. CashApp replied, indicating that if I opened a second CashApp account and contacted CashApp support, that CashApp would then let me access my funds. Because CashApp replied, CFPB closed my complaint. I opened a second CashApp account $ XXXX and contacted support asking CashApp to allow me to access my funds. CashApp again refused to allow me to access my funds. Thus, I am opening another complaint.

Please do not close the complaint simply because Block responds to the complaint. Please close the complaint only after the matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Myself along with my Title Attorney have been attempting to receive a payoff quote for my mortgage currently serviced by LoanCare. I  submitted my initial request on XX/XX/2020 providing both a mailing address along with a fax number. After no communication from LoanCare for almost two weeks I submitted another payoff request on XX/XX/2020 again with a mailing address and fax number. Still zero communication from LoanCare. I have also attempted to reach them by email at XXXX on XX/XX/2020 I have attempted to reach them by phone as well. Unfortunately they have a fully automated system. The only way I can speak with a live person is if I act like i want to refinance my home. When I explain my situation to them I once again get forwarded to the automated line. 

Not receiving the payoff quote is costing me interest daily along with the additional money for the tax credit I will owe the buyer of my home.

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 2021-07-24
Company: Specialized Loan Servicing Holdings LLC
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:
XXXX XXXX XXXX  transferred ownership of my Home Equity Loan to Specialized Loan Servicing ( SLS ) effective XX/XX/XXXX. I have always paid this loan on time. However, SLS has now reported a payment delinquent over 30 days to XXXX, XXXX, and XXXX. SLS made these reports and knew that their records were incorrect. SLS claims that the XX/XX/XXXX payment is in question. SLS has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent SLS documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with SLS without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, SLS has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with XXXX, but SLS apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX  and SLS concerning the transfer of ownership, the SLS online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with XXXX alone has dropped from XXXX to XXXX as a result of their negligent actions. SLS is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem SLS has with XXXX XXXX XXXX, not me. SLS should not be permitted to make such reports.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act - XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1605 Determination of finance charge 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-11-23
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:
This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.

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 2022-01-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These accounts are not mine. Please provide proof that these were opened by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: MN
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief