BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This institution ( University XXXX XXXX - XXXX XXXX ) failed to fulfill its most basic obligations as a student loan servicer. Furthermore, its shortcomings were echoed in the experiences I've had with its contracted debt collection agency ( XXXX XXXX XXXX. ), as well as its loan servicer ( Heartland ECSI ). Collectively, these three entities deprived me of basic borrower 's rights, neglected their creditor obligations to me, provided me conflicting & misleading information to me, and habitually resorted to shifting blame amongst one another. 

Violations by XXXX ( and the aforementioned, on XXXX 's behalf ) include : 1 ) After multiple requests to XXXX, XXXX XXXX , & Heartland ECSI, all three entities refuse to provide a signed copy of my Federal Perkins Loan Rehabilitation Agreement. The  agreement states that I am entitled to a signed copy, but my requests for documentation have been rejected or ignored. 

2 ) Failure to maintain adequate payment records. There are inexplicable discrepancies between the dates payments were made to XXXX XXXX, and the reported payment dates on record with Heartland ECSI. When addressing this issue with both entities, I was told that this was due to the respective monthly reporting cycles for each entity. I find it preposterous that the reported payment dates can not be retroactively corrected, especially if I am to be charged interest for the discrepant days. Additionally, XXXX shows that a portion of all payments had been allocated to interest, whereas Heartland ECSI 's records show that interest allocations were made quarterly. I was not provided an adequate explanation to this day, and don't know which to reference while figuring the student loan interest deduction for my taxes. 

3 ) I was informed that upon successfully rehabilitating my loan, per our Federal Perkins Loan Rehabilitation Agreement, XXXX would instruct credit bureaus to remove records of previous default & late payments from my credit history. My final payment, which marks the successful rehabilitation of this loan, was made on XX/XX/2020. I requested an updated credit report from XXXX  on XX/XX/2020, which still shows both the previous default & late payments for this account. 

4 ) Prior to initiating the rehabilitation agreement, a XXXX representative informed me that successfully rehabilitating this loan would reinstate benefits entitled via the original promissory note, including a waiver of collection fees. This statement was made via email correspondence, and I am able to furnish the email log upon request. This promise was one of the explicit reasons I agreed to rehabilitate this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal dispute regarding violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), which have significantly impacted my financial well-being and emotional state. I am seeking your assistance in addressing these violations and ensuring that my legal rights are upheld. 

I have recently discovered several inaccuracies and questionable account information on my credit report, which have negatively affected my financial standing and peace of mind. The following creditors and accounts are in question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have diligently reviewed my credit report and identified multiple instances where these accounts are either inaccurately listed or not properly verified. These errors have not only affected my ability to secure favorable credit terms but have also taken a significant toll on my emotional well-being. 

To provide a personal context, let me share a distressing incident that exemplifies the repercussions of these inaccuracies. Last year, I applied for a mortgage to fulfill a lifelong dream of owning a home for my family. Despite having a stable financial history and diligently managing my obligations, the presence of these questionable accounts led to the denial of my mortgage application. This heartbreaking setback not only shattered my dream but also caused immense stress and XXXX for me and my family. 

I urge the Consumer Financial Protection Bureau to enforce the legal rights that safeguard consumers like me from unfair and inaccurate credit reporting. I implore you to intervene on my behalf and ensure that the following actions are taken : Investigate the violations of the FCRA committed by the mentioned creditors. 
Enforce the accurate reporting of my credit information in accordance with the FCRA provisions. 
Direct the creditors to remove the unverified and questionable accounts from my credit report. 
I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and diligently address my concerns. Your intervention will not only rectify the financial harm I have endured but also provide a sense of justice and relief that my family and I desperately need. 

Thank you for your attention to this matter. I am eagerly awaiting your response and assistance in resolving these distressing issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Within five days of purchase of a membership with XXXX XXXX XXXX on our Chase Credit Card ( JP Morgan ), we requested cancellation with XXXX, which we did not receive a timely response. This resulted in XXXXs contacting Chase Card Services to do the initial dispute of the charges. At that time SW Chase Card Services refunded the money. 

Then on we received an email on XX/XX/XXXX that the Merchant wanted to have a phone call to discussMonday XX/XX/XXXX we received a call from XXXX XXXX XXXX saying that they would like for us to remove the dispute from the SW Chase CC due to it negatively impacting them as a merchant and that they would execute the refund for us. So we decided to cancel the dispute and let the merchant credit us directly. Once we did that SW CC charge us for the initial charges. 

However, XXXX ( XXXX XXXX XXXX XXXX  ) has sent a letter stating that they did not receive the funds back from Chase Bank. Currently, Chase is stating that they did send the funds. 

Therefore, at this point in time, both banks are stating they do not have the funds ; yet Chase will not work with XXXX to discuss the matter and review the transactions. I am requesting that the Chase work with XXXX to discuss the transactions and resolve this matter. I have included below the contact information for XXXX members working this item. 

-XXXX  XXXXXXXX XXXX XXXX  XXXXOffice manager, Tel. XXXX Ext. XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX, Tel XXXX Ext.29 XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX , Tel. XXXX Ext.XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 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 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 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

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 2020-03-14
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Called the office of Bureau of Med Economics on XX/XX/XXXX to advise that debt owed to XXXX XXXX XXXX  XXXX of {$250.00} was included in my husband 's bankruptcy which was discharged XX/XX/XXXX. XXXXXXXX Was told it would be taken care of. To date nothing has been done, it is still on the credit reports for each agency showing as " collection ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
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: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
There are two separate incidents inXX/XX/XXXX where I found on my bank statements that target cleared my credit card payment by converting my check and then submitted the physical check to my bank. Two separate incidents occurred where Target used the same check twice. The same check was cleared for payment from my bank account as both a converted check and then a physical check. 
The dates of the incidents : XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a converted check. 

XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a physical check. 

XX/XX/2021 check # XXXX written to Target for {$800.00} was reversed once to correct the double payment. 

Target was unaware that check # XXXX for my credit card payment had been cleared from my bank account twice. 

My Target credit card statement did NOT indicate the two payments deducted by Target using the same check # XXXX. The payment was only credited to my Target credit card balance once. I had to send Target proof of their mistake before the money was refunded. 

XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a converted check. 

XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a physical check. 

XX/XX/2021 I called Target again to ask them to correct the clearing of my payment as a converted check and then as a physical check. 
I told them this was the second identical mistake in less than a year. 

I am concerned this same issue could go undetected by other Target credit card holders. 
At this point I am not certain if this mistake by Target is incompetent business practices or intentionally collecting money twice from their customers. I would like this situation investigated to stop this from happening to anyone again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this to file a formal complaint regarding the closure of an account that was furnished on my consumer report without my written or oral consent. The closed account I am referring to is the Account Details : Creditor : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Current Status : CLOSED Balance : {$0.00} Date ReportedXXXX I believe that this has been carried out in a manner that is unjust and without proper communication. I had reached out to these reporting agencies on XX/XX/XXXX of XXXX in regard to this closed account. The response i have obtained was that this account has came back verified and accurate but never sent out Documation on how they verified this information and who did they get this information from. They never did a proper investigation consumer report. The closure of that account has caused me significant inconvenience and disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: RI
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 received notification that credit report changed, when I logged into my account it said I had XXXX new hard inquiries one from XXXX XXXX and XXXX from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from Experian and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call Experian and I sent them an email. They never responded. I called XXXX financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.

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 2021-10-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. I received a letter from Resurgent Capital Services attempting to collect an alleged debt, I never gave any consent to this company to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. 

I have proof of it and it will be attached to this complaint that Resurgent Capital Services is violating my federal CONSUMER rights pursuant the FDCPA laws mention above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: LJ Ross Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under LJ Ross Associates Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as LJ Ross Associates Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well

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 2021-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One is reporting closed and paid in full WalmartCapital One card to all credit bureaus XXXX, XXXX and XXXX as missed payments which drops my fico scores dramatically keeping it in the negative with other possible financial creditors. Why is this reported four times its paid its closed. XXXX XXXX is saying that capital one gives them the information to report and they do it and get paid for it. This is unprofessional and fraudulent activity. As a woman this is discriminatory toward my gender and a person of XXXX as I have on many occasions as for a resolution and the answer is not resolved. These practices must stop. Iam asking cfbs to take the most aggressive steps to stop is egregious behavior towards correcting my credit accounts reported as I final step I will seek legal action for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
This account XXXX XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Aspen Yo LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are trying to get our mortgage modified but they want money up front. My mortgage has been bought and sold so many times, I'm not sure who holds the note. I am disabled, I put {$100000.00} down on my home. Now they tell me my home is worth {$80000.00} less. I need help. I want to keep my home, we have been here 20 years. Just a payment to fit my ssdi. They do a modification, bam my payment goes up. No help, should I sue these companies? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XX/XX/XXXX account XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXXXX/XX/XXXX Acct number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy, 15 U.S.C 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