BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
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 information incorrect

Complaint:
They have been reporting wrong information ( my name, address, accounts, etc .. ) on my credit report, I have sent dispute letters to fix this situation and the credit bureaus have simply ignored me.

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 2021-11-25
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American CollectionsXXXX XXXXXXXX XXXX XXXX  XXXX on false debts. They are trying to collect a debt with an alleged date of XX/XX/2019 from a XXXX XXXX I didnt see until XX/XX/2019, then they say its because of my daughter XXXX XXXX when she was never a patient there, she was only XXXX. All details are false and dont make any sense. I have contacted the creditor : XXXX XXXX XXXX XXXX XXXX and they make it clear not debt is owed, I was on XXXX with no job and didnt pay anything out of pocket. This is identity theft with false information. They have also failed to respond to my debt validation letter with to in XXXX days.

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 2017-03-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have send Equifax several letters asking that since they keep saying they verified that this alleged XXXX account XXXX as being verified which is false information. I lived with my aunt who has exact same name as myself and they are mistaken and so to clear my name I have asked Equifax for physical documented proof because when I had an agency call XXXX we spoke with a XXXX Id number XXXX and she clearly said they ca n't release 3rd party information without the account holders written authorization and since my aunt is deceased she ca n't write a authorization to them. So clearly Equifax is making false statements in which if they do n't remove this unverified debt I have to seek legal action. I have clearly been keeping all my certified receipts with their signature showing each time I send a letter on this matter they have received this and still have not send me any physical documents in which they keep saying verified but how? I would like to know in writing how they supposed verified because if this unverified debt remains on my report in case I need to take this to trial due to this damaging my character it 's very embarrassing and they keep saying verified and nothing else. Clearly they are in violation of the FDCPA section 809 ( b ) and are not following FCRA 611 ( a ) rule. I also have asked several times who in their company verified this XXXX account in question if XXXX said they need a signed statement and being that I have not signed anything clearly means something is going on and this account needs be deleted. Someone with XXXX must authenticate the documents in my file that were used to verify the disputed account and I said they must have first hand knowledge of the alleged account under penalty or perjury. According to XXXX 's law dictionary XXXX edition 1990 defines " verification " as " confirmation of correctness, truth or authenticity, by affidavit oath or deposition " affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that Equifax must be willing to be able to produce a document that proves the account belong to me. Due to their continued disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 of the if the UNVERIFIED Item is not deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several phone calls about a debt that I owe to Macy 's. 
They call several, like XXXX or XXXX times a day. When I answer the phone sometimes they just hang up on me. I have been talking to them within the last 7 days and I asked them to not contact me anymore regarding this debt for at least 30 days. Because in the state of Ohio a debt collector can only contact you once every 30 days, when asked by a consumer. Within the last seven days I asked to not be contacted regarding this debt For at least 30 days. Today, XXXX XXXX, 2014 I have received at least XXXX phone calls, which XXXX of them I have answered and the other XXXX i missed. They are calling from phone number XXXX. Is there anything that I can do to stop the harassment? i have been notified about my bill and when it is due which is XXXX XXXX, 2014. I do n't really think that there is a need to call someone 4 times in XXXX day. The day is not over yet so I am sure that I will receive another phone call or XXXX by the XXXX deadline this evening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: NC
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:
This inquiries were unauthorized and my identity was compromised. I asked for validation from Equifax but it was validated with no information given. Here is the list of inquiries I would like removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Coastal Credit, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Coastal Credit, LLC out of XXXX, TX contacted my neighbor on her cell phone several months ago and left a message that they were trying to reach me. I called back and it turns out they 're trying to get in touch with a woman who shares the same first and last name as me, who lives on the opposite side of the state. She has a different middle initial and is a decade younger than myself. I know this because he tried confirming I was her by giving me her full name, date of birth and city of residence. 

Today, I get a call from a coworker who says she got a call on her cell phone from Coastal Credit, LLC trying to reach me. I called back and it was the same person from Coastal Credit still trying to get in touch with this other person. He tried confirming I was this other person by giving me the street she lived on. I had enough information between both calls to pull up this other persons address, phone number, prior and scheduled court dates and public voting registration. 

Coastal Credit has been told twice that I 'm not the same person they 're looking for, have no outstanding debt, no account with them and they 've been asked to stop contacting me and my known associates. When I asked how they got my neighbors and coworkers information, the response was, " It 's just what we do. '' I have no idea how my information has been mixed up with this other persons even though we share a first and last name, but on two occasions they have contacted friends and coworkers. If I 'm not mistaken, according to the Fair Debt Collection Practices Act, they ca n't contact 3rd parties trying to collect a debt. They also shared this woman 's information to a 3rd party to the degree that I could walk up and knock on her door if I were inclined to drive across the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Id like a proper investigation into my reports and soliciting

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 2022-04-18
Company: Social Finance, Inc.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been locked with Sofi bank since XXXX and I havent had access to my account since. I want access to my funds immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Mercedes Benz Financial Services
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Mercedes Benz placed incorrect lates in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX payment was made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Capital One is reporting a collection on my account through XXXX/XXXX. I spoke with a representative in which she advised Capital One bought XXXX Nevada but still disguising reporting using XXXX name. I was in a chapter XXXX bankrutpcy from XXXX - XXXX and Capital One was included. This account should have legally been discharged in this completed bankruptcy payment plan. Capital One is destroying my credit intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an audit statement from my mortgage company that my escrow account was going to be raised by {$200.00}. Then on XXXX XXXX, 2017 my mortgage company took thru an ACH transaction {$950.00} instead of the additional {$200.00} that was noted on my statement. I received no notice of that they were going to do this. When I spoke to them ( Ditech ) the response was that the escrow was short {$400.00} and that they would not be reversing the extra money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I have a creditor by the name of Citibank I 'm currently 15 days past due to pay my credit card and they continue to call me during unauthorized hours. 

Today Sunday XXXX XXXX 2015 I have received XXXX calls from CitiBank attempting to collect the past due balance. 

First call XXXX Second Call : XXXX I have told them numerous times currently and in the past that this is illegal and harassment to be calling me on a Sunday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank closed all my credit cards out of a sudden, without any notification. Only realised it since i could not used it everywhere for a week. Called the Office of President, they will not disclose further nor reopen the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016 My mortgage payment was submitted to Bank of America electronically on their Bill Pay web site from my Bank of America checking account to my Bank of America mortgage. 
On XXXX/XXXX/2016 My payment was refunded to my checking account and a late fee was assessed. I have called and asked for the late fee to be removed because the payment was sent and received and subsequently returned. I have made numerous phone calls and have been told the fee can not be removed.

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 2017-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

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 2017-03-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent to the credit company a demand letter and it was not properly investigated.

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 2022-10-01
Company: EQUIFAX, INC.
State: MA
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 15 USC 1681. 

1 ) XXXX XXXX : Account # : XXXX 2 ) XXXX  XXXX XXXX : Account # : XXXX 3 XXXX XXXX XXXX XXXX : Account # : XXXX 4 ) XXXX XXXXXXXX : Account # : XXXX 5 ) XXXX XXXX  : Account # : XXXX 6 ) XXXX XXXX  : Account # : XXXX 7 ) XXXX XXXX  : Account # : XXXX XXXX ) XXXX : Account # : XXXX XXXX ) XXXX XXXX : Account # : XXXX 10 ) XXXX  : Account # : XXXX 11 ) US DEPT OF EDXXXX : Account XXXX : XXXX These above accounts have 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have about 15 inquiries that arent mine! Ive never applied for a vehicle or some of those creditors!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is a collections account on my transunion credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.

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 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TransUnion was contacted on XX/XX/2017 via certified mail, signed receipt received on XX/XX/2017. The agency has not completed the investigation, nor did they notify me of their results. It has been over 30 days and a clear violation of the FCRA. I request the disputed information be deleted from my record.

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 2017-03-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2017 I attempted to dispute inaccurate information on my credit report pertaining to XXXX XXXX and a 30 day delinquency reported for the month of XXXX but was denied. XXXX XXXX has been an issue on my credit report for the past few months but Experian fails to conduct a thorough investigation in regards to reporting guidelines for creditors. XXXX XXXX continously reports delinquencies before the 30 day make has reached. The most recent occuring on my credit report took place on XXXX XXXX, 2017 when XXXX XXXX reported my account as 30 days delinquent. My payment is due on the XXXX of each month and my mot recent payment was submitted to XXXX XXXX by telephone on for XXXX on XXXX XXXX, 2017. At no time during my phone payment was it mentioned that I was past due for a additonal payment. The balance that wa reported to me when I asked was XXXX. My payment next payment due date is XXXX XXXX, 2017 and if an additonal payment is not submitted by that day then I would be considered 30 days past due. XXXX XXXX has a habit of reporting delinquencies well before they meet the delinquent mark and I have requested that Experian review my complete history with XXXX but instead they just confirm the informatin instead requiring documentation from XXXX XXXX. When I spoke with XXXX XXXX and file complaints against them they provide contradicting informaiton that suggest that they are follwing rules and in an attempt to stop any dispute process they try to request that I take a settlment in order to avoid arbortraion or any civil proceeding. I feel that Experian is allowing XXXX XXXX to provide inaccurate information purposely. I understand that each creditor reports information at differetn times of the month but my payment history reflects that payments were made before a 30 day dispute should have ben submitted. As of XXXX XXXX, 2017 I am 22 days past due. The balance they reported and the past due is also in correct. The balance that was reported t me was XXXX. Attached is a copy of my bank statement with my last XXXX payments and my original payment schedule which reflects that my payments are due on the XXXX day of the month which reflects that my account is still in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: First Associates Loan Servicing LLC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received an XXXX XXXX from XXXX XXXX University in XXXX NY in 2012. I was XXXX off from my job and wanted to go back to school. What I could not get Federal loans for XXXX XXXX said they would get me XXXX loans for. I am now in debt for around {$50000.00} and am having trouble making all the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My home was wrongfully foreclosed XX/XX/XXXX while my modification was still being processed with Ocwen Servicing. Ocwen Servicing agreed to rescind the property foreclosure sale and modify my mortgage loan to lower my payment. My mortgage has been modified, but Ocwen is reporting on my credit report Foreclosure redeemed. That is incorrect information that has reported to the credit bureau 's. I would appreciate your assistance in this urgent matter. This information on my credit report has hindered my employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
NAVIENT is always changing the amount due on my student loan. On XX/XX/2017 I talked to customer service since we have been receiving phone calls and emails about the payment not being made. However, I got a bill from NAVIENT saying the payment is not due until XX/XX/2017 in the amount of {$230.00}. NAVIENT customer service said they made an accounting error and that is why they are trying to collect more money. I should be getting accurate statements and payment due dates from NAVIENT. Additionally, NAVIENT should not be harassing me due to their own accounting errors. NAVIENT says we now owe {$400.00} for the month of XX/XX/XXXX even though my bill says {$230.00} is due by XX/XX/2017.

Company response to consumer: Closed with explanation