BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

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 2021-04-12
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial abuse by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX. I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my XXXX  to further solidify my identity as a victim of abuse in many forms, financial abuse being one of the many.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: OH
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:
My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX  on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/2021 PayPal synchrony bank issued new cards for this PayPal account due to, there discovery of fraud charges and they alerted cardholders, XXXX XXXX XXXX an co card Holder XXXX XXXX XXXX. 

They agreed in writing sent via email and via usps that new cards were being issued. 

On XX/XX/2021, PayPal synchrony bank sent a letter to XXXX and XXXX, confirming that the charges were removed. 

As of today XXXX and XXXX have not received any new replacement cards. This is still an active account thats paid as agreed. 

Give us our cards. 

Attached are both letters from XX/XX/XXXX and XX/XX/2021 from PayPal synchrony bank This does not require any phone calls. As the fraud charges for the reason of issuing new cards was approved and resolved last month, multiple weeks ago.

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 2023-10-14
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/ I sent Midland Credit Management a debt validation letter asking them to provide the following. Agreement with there client that grants midland credit the authority to collect the alleged debt, signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collection, any agreement that bears the signature of debtor wherein agreed to pay creditor, all statements while account was open. Midland Credit Management only responded with copies of billing statements and old bill statement copies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently requested to close my account at TD Bank due to several issues with the bank. Even closing my account has been a true nightmare. To close the account I need a XXXX balance, and requested to transfer the funds to my XXXX account. The original transfer for the XXXX transfers below were returned due to a fraud warning on my TD account which returned the funds back to TD Bank. TD Bank then said they would refuse acceptance of the funds which were returned and send it back to XXXX. However, XXXX has confirmed MULTIPLE times and has provided all necessary documents and confirmations and even ran tracers across all their accounts, and do not have these funds below. I have tried reaching out to TD numerous times unsuccessfully. 

Nobody is able to assist and they keep gearing me to the branch they say it was transferred to XXXX but XXXX is saying they don't have it and nothing appears in my account. TD has not done anything to look into this further and just keeps putting the blame on XXXX. 

Ironically, XXXX confirmed via email this is happening for several customers using TD but it appears TD either doesn't care or not following their own process. They can not tell me where my money is at and it's not a low sum as you can see below. 

The below amounts were allegedly refused by TD Bank and allegedly sent back to XXXX. However, only XXXX can prove it's not in my account and I don't even have access my account at TD Bank. 

XX/XX/XXXX, Transfer {$6000.00} Transfer {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX  that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.

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 2021-03-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent three letters to each of the credit bureaus XXXX, equifax and XXXX since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: LEXISNEXIS
State: TN
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 is reporting a public record, Bankruptcy on my credit profile and that XXXX is obtaining that information from a third party data furnisher, LexisNexis. 

I contacted LexisNexis and disputed this information and then sent me a copy of my Consumer report which stated : After a reinvestigation of the data in question, LexisNexis was unable to verify the accuracy of bankruptcy case # XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your LexisNexis Risk View Report. 

I then sent my LexisNexis report to XXXX but they continue to report this public record stating that LexisNexis is continuing to provide this data and will not remove it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Mohela processed my PSLF application and forgave a large portion of the loans, but not the final amounts {$2600.00} and {$2400.00}. They finally sent me a letter on XX/XX/XXXXXXXX  stating that I had met all requirements of the PSLF program and the loans would be forgiven, but those final two amounts still have not been forgiven. I emailed them on XX/XX/XXXXXXXX  about why the loans were still not fully discharged and they told me that even though I had made 174 payments and only 120 were required, they still hadn't completed their review and I would need to allow the review to complete as more months might be added ( even though I had already made 54 more qualifying payment than were required for forgiveness ). I contacted them again about the same issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On the last two emails I mentioned that the loans were showing in repayment status even though they were supposed to be forgiven. They did not reply. I now have a bill for {$300.00} due on XX/XX/XXXXXXXX  for loans that are supposed to be forgiven. Also, when I originally applied for PSLF, I checked the box on the form that stated I believed I had made enough payments to qualify and wanted my loans to be in forbearance until the PSLF review had completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2021-09-13
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: MEGASTAR FINANCIAL CORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Megastar Financial fails to host and maintain a functional website that allows customers to pay their mortgage on time or even at all. The website puts end user into loop where you can attempt to reset password and it works. Then after login it fails to recognize the user. This company is a failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
No correspondence received after I asked for verification of this account : XXXX Account Number : 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 explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi CRA, XXXX XXXX and Transunion ... See attachments because This is driving me crazy. I've been wanting to have these items deleted ASAP so here -- I have included further information regarding the inaccuracies on these items and why exactly they should be rectified or alternatively removed from my credit report. I expect and demand that these errors be remedied at once, if you are not able to fulfill this then I ask that you furnish the full responses from the creditors as well as their full contact information like full legal name, accurate mailing address, as well as an accurate telephone number so I may address these issues directly with them.

Im little perplexed and shocked that these accounts below is still reporting falsely into my credit report which as dramatically affecting my credit score and my ability to finance a house for my family at this point. Especially during this pandemic of COVID19, Im finding it really hard to get any finance with these alleged delinquencies into my credit.

Honestly, there is no way that you conducted a reasonable investigation from my previous several disputes and challenged, because its still reporting incomplete, misleading, multiple inaccuracies and inconsistencies with reporting. Its my understanding after talking to your representatives and talking to a friend lawyer that once a CHARGE-OFF account is closed, it shouldnt report any more C/O status or 30/60/90+ days late on payment history. Cmon, how come there are different dates of last active, last payment, 1st dates of delinquencies, inconsistencies on my credit report if you get the information from the SAME FURNITURE. Therefore, these accounts are not in compliant with the consumer laws, and I demand an immediate deletions from my credit report. Please send me a new credit report showing the deletions. You are illegally causing this account to re-aged, which its adversely affecting my score. DELETE NOW!!! 

XXXX XXXX I paid off this account months ago, but you continue to report incomplete and erroneous information such as balance and payment status. 

****I PAID OFF THESE ACCOUNTS AND I WAS PROMISED BY THE CREDITORS THAT IT WOULDVE BEEN DELETED, AND IVE CALLED SEVERAL TIMES CONFIRMING THAT THEY WILL SUBMIT A NEW TICKET OR DISPUTE TO GET THEM DELETED, - PLUS ITS REPORTING MISLEADING AND INCOMPLETE INFO, AND THEREFORE ITS NOT VERIFIABLE AND NOT IN COMPLIANT! 

XXXX # XXXX - delete now!!! 
XXXX # XXXX XXXXXXX - delete now!!! 
XXXX # XXXX delete now!!! 
XXXX # XXXX XXXXXXX- delete now!!! 
XXXX XXXX XXXX # XXXX delete now!!!

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 2023-10-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 submitting a complaint about XXXX, XXXX, and experian. these credit agencies are improperly reporting information on my credit report. here is a list of accounts that are improperly listed on my account... 
XXXX XXXX balance {$6400.00} opened XX/XX/XXXX XXXX XXXX XXXXXXXX balance {$4900.00} opened XX/XX/XXXX XXXXXXXX XXXX balance {$23000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX  balance {$150000.00} opened XX/XX/XXXX 15 usc 1681b states that you need written permission by me before you can add anything to my report. i never gave permission for this account to be on my report.. PL 90-321 ( 82 stat 146 ) is a law that backs the code and is even stricter than 15 usc =1681b.. 
you are also not allowed to add information that contains transactions.. 
15 USC 1681e also was created to provide more accuracy to these reports and they are violating this code as well. 
they failed to comply the first dispute so i am entitled to {$1000.00} per violation... i have about 10 items that are inaccurate so {$10000.00} seems fair to me for them ignoring my complaint and being willfully non compliant. every company agrees to this law before operating and are clearly breaking the law by not following it. 
they are also violating the Privacy act of 1974 i also never received a privacy notice before they furnished any info to my consumer credit report... 
i was also never provided with an opt out option ... 12 CFR 1016.7 confirms that there needs to be an opt out option. 

15 USC 6802 b states you must give me an opt out notice before anything is added to my report..

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized account and transactions that have appeared on my credit report. I promptly reported this fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. Please delete this account : 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