BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: ENCORE CAPITAL GROUP 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:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting 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:
someone else used my information to apply for this liability. I never cosigned for anyones auto loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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. 


XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX   Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is not the first time that Navient has ignored the governments decision to stop the payment to student loans. They are not supposed to begin charging until XX/XX/2022. I received an email informing me to check my Navient account, and to my surprise it states that I am past due - that my payment was due in XXXX and they will be taking action to collect payment. My next payment, according to Navient is in XXXX. I have XXXX loans through them, a mix a stafford subsidized and unsubsidized loans. They also report non-payment to credit agencies, which hurts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Columbia Debt Recovery is attempting collecting a purchased debt in a state which they are not licensed to conduct business. According to XXXX XXXX XXXX upon searching " Columbia Debt Recovery LLC '' I have found that the company is not licensed to conduct business within the state of XXXX ( I have included a screenshot of the search results which show that they are only licensed within the states of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. ) XXXX  state statute reads as follows, " XXXX of consumer collection agencies required ; exemptions. 
( XXXX ) After XX/XX/1994, no person shall engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. 
( XXXX ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. XXXX. 
( XXXX ) A prospective registrant shall be entitled to be registered when registration information is complete on its face and the applicable registration fee has been paid ; however, the office may reject a registration submitted by a prospective registrant if the registrant or any principal of the registrant previously has held any professional license or state registration which was the subject of any suspension or revocation which has not been explained by the prospective registrant to the satisfaction of the office either in the registration information submitted initially or upon the subsequent written request of the office. In the event that an attempted registration is rejected by the office the prospective registrant shall be informed of the basis for rejection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: DISCOVER BANK
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against this creditor, who I believe has violated consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action, including the removal of the associated debt from my credit report. 
I have outlined the specific violations and concerns as follows : Re-Aging of Debt : Creditor has attempted to re-age a debt by reporting a more recent date of delinquency, which is a clear violation of the FCRA ( 15 U.S.C. 1681c ). This re-aging misrepresents the actual delinquency date and has resulted in the debt remaining on my credit report for an extended period. 
XXXX and XXXX Practices : XXXX has engaged in harassment, false statements, and abusive practices in their attempts to collect the debt, in violation of the FDCPA ( 15 U.S.C. 1692d ). These practices include false representations on my credit report with their abusive practices. 
I have enclosed copies of relevant documentation to support my complaint, including copies of credit reports that demonstrate the re-aging of the debt. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations by this creditor. Furthermore, I request that you ensure the removal of this debt from my credit report, as it has been inaccurately reported due to the re-aging and associated harassment. 
I appreciate your prompt attention to this matter and your commitment to protecting consumers ' rights under these vital consumer protection laws. Please let me know if you require any additional information or documentation to facilitate your investigation. 
Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are trying to refinance our interest only mortgage. This mortgage was obtained in 2007 with XXXX. When the mortgage was originated the house address was incorrect. At closing I told the title company the address was incorrect according to the XXXX XXXX but the title company said they did not care because they did not want to redo all the paperwork. XXXX XXXX XXXX then purchased our mortgage and never changed the address. Nationstar Mortgage Company now owns our loan and although they did make correct the address in their files they refuse to give this information to HARP so we can refinance our Freddie Mac loan. The bank that is willing to refinance our mortgage said Nationstar flat out refused to acknowledge the address change. Yet all the paperwork we received from Nationstar ( i.e., interest statement for tax purchases ) has the corrected address. We also received a notice of a change of address from Nationstar. How do we get Nationstar to cooperate with the bank that is trying to refinance our loan? 
As you can see from the attachments Nationstar acknowledges our address is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. The original paperwork that XXXX had was XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This address does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked Trans Union for documents that they have on file that they use to verify the debt. They refuse to send the documents

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 2015-04-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our loan in XXXX 2015, with XXXX XXXX XXXX XXXX XXXX Loan # XXXX. Our loan was sold to Nationstar Mortgage LLC effective XXXX XXXX, 2015, loan # XXXX. At the time our loan was transferred to Nationstar, per the letter their was a transferred escrow amount of {$1600.00}. Nationstar states they only received {$1.00} from XXXX XXXX from the transfer of the account. In the meantime, my homeowners insurance has expired because no one sent payment. And the {$1600.00} escrow account of my funds is missing. No one can tell me where the funds have been applied and why they are not in my current escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: MECHANICS BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I made XXXX payments on this car of XXXX a month the total of that is XXXX and the total financed was XXXX which leaves XXXX. Now this was during Covid when they came to get my car knowing that I was going to make the payment the next day. They added all these fees so it was impossible for me to get it back. Then they sold it for XXXX and they had that I owed XXXX on my credit for the longest time and they just changed it to XXXX. But I dont see how that I owe that and the way that they have been trying to scam me for XXXX for years just baffles me. I dont owe this amount. They have never given me documentation of anything just letters threatening me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: MoneyLion Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone reached out to my HR deposit posing as me requesting to change the direct deposit information for my paycheck. They filled out a XXXX XXXX authorization form and sent in a Moneylion voided check showing my name but not the correct address at the top left. I called Moneylion to report the account opened in my name and they advised it was not in my name and they could not tell me who it was trying to impersonate me to my company. I do not know how this person was able to track me to my employer or my HR director, but they almost took my entire paycheck. Thankfully ADP alerted me that my direct deposit information had been updated or I wouldn't have known and the check would have been put into this account. The information of the account is as follows. Moneylion advised they deactivated the account, but I just want to be certain so they cant use it to scam someone else. 

XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by Capital XXXX. Capital XXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was Discharged. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.

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 2019-01-09
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: Account information incorrect

Complaint:
I have disputed a collections account from XXXX XXXX XXXX on my Equifax credit report multiple times now. With zero results, nothing has changed, despite me disputing this item multiple times over several years now. I have also asked for my consumer disclosure file for this collections account, per FCRA Section 609 ( a ) ( 1 ), multiple times and never received anything from either ARS or Equifax. 
I have informed Equifax multiple times that I have never received a medical bill for this alleged debt. I have informed them that it is my right to have been given a bill for this debt, which I never was given. Therefore, I also was never given the chance to dispute this item with the original creditor or collections agency. The hospital that this was most likely billed from is notorious for sending bills directly to collections when the patient did not have insurance. I have no doubt that this is most likely the case with this debt, but there again, since I have never been issued a bill for this item, I can only speculate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX  accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602A, 15 USC 1681 section 604A section 2 and 15 USC 1666B View attachments below

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Dear XXXX XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/2021 Status Paid, Closed. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

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 2021-06-23
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I paid for a service provided by a third party via PayPal using my credit card and PayPal never paid the company nor have they refunded the money back to my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
experain has my XXXX XXXX account duplicated the same card is listed 2 times both of the accounts have dirrent information and one of the accounts is accurate I have no lates at all on none of the other credit reports nor threw XXXX is there a late experain has 2 accounts created where there should only be 1 listing that is the account that is accurate and that does not have a late i am requesting they delete the duplicate account with the LATE this information is inaccurate-

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