BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023 Hayt Hayt & Landau P.L. fraudulently began receiving 25 % of my employment pay from my employer, XXXX XXXX. I never received notification from Hayt Hayt & Landau P.L. of a Garnishment, nor was I served paperwork, or a letter to appear in court, that I was being sued for a debt. Hayt Hayt & Landau P.L. also has sent inaccurate information to the credit agencies causing me to be denied for a home.

Hayt Hayt & Landau P.L. received a Debt Validation letter from me, ( CERTIFIED ), and I have not received a response from them as of today.

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 2021-04-06
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from NewRez that my interest rate was going up. I received the letter about two years ago. The letter stated that my interest rate was changing from 3 % - 6 % to 4 % -9 %. I have contacted the company several times and was given the excuse of not knowing what my interest rate and that was the rate they were using for the loan. I have lost the letter they sent me for the change. I have tried to get a copy of the letter. They always tell me the letter is on the way but I have never received it. 

This company must have had some problems because they have changed names several time. My original loan was with XXXX XXXX. They sold the loan to Green Tree that became Ditech that became New Rez. When they purchase the loan the rate was 2.25 %. When XXXX XXXX wrote the loan the rates were dropping and the best way for me to get the lowest rate was to write it up with a variable rate with a 6 % cap. Every since Ditech / New Rez acquired the loan the rate has gone up. They have collected interest money outside the parameter of the contract.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: MA
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:
This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Affirm Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2023, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX  at the XXXX XXXX website and I paid the amount of {$1500.00} and I paid the item through XXXX-a creditor which offers virtual loan for items being sold at stores where they accept it. Affirm offered XXXX equal monthly installment payment of {$150.00} and I was charged {$150.00} on XX/XX/2023 and the second payment of {$150.00} on XX/XX/2023 while my return is being processed. When I received the item I did not like it and opted to return the designer watch and I returned the item on XX/XX/2023 to XXXX located at the XXXX XXXX XXXX  , I was issued an acknowledgment receipt by XXXX  with tracking number XXXX. I notified Affirm of the return so they can halt charging my account. Apparently, the item I returned was stolen or lost in transit which I learned through the Customer Service of XXXX. I opened a case on the lost or stolen returned item and notified XXXX XXXX and spoke with XXXX and she also opened a case to recover the amount of the watch lost or stolen in transit. Affirm is harassing me to pay the item which I returned and would not want to refund my XXXX payments. It also reported me to XXXX which affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1 ) Transunion 2 ) XXXX  3 ) XXXX  All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, 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 explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX. I am a student loan borrower. I was still making student loan payments during the XXXX student loan payment pauses from XX/XX/XXXX to XX/XX/XXXX as my employer was not qualified for the Public Loan Forgiveness . 
However, because of the recent waiver change and the new law in California ( U.S. Department of Educations updated Public Service Loan Forgiveness ( PSLF ) program launched on XX/XX/XXXX, and will now allow eligible California physicians to participate in the program, despite our state prohibitions on physician employment by private non-profit hospitals, clinics, foundations and other health care entities ), my employer for the past 2 years is now qualified for PSLFs. 
I have contacted Mohela, my loan servicer, to request refund for the payment made during this time as I was not required to make payment during this COVID-19 pause. I was informed by Mohela that the deadline has passed to ask for refund. 
I have never received any contact or update from Mohela regarding this. 
Therefore, I requests to have these payment to be refunded to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX XXXXFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX XXXXFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, Dept of EdXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 



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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2023-10-20
Company: Self Financial Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

I REQUESTED ON XX/XX/23 I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 


I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately .CREDITOR DID NOT UPDATE MY ACCOUNT THAT A PROPER investigation WAS MADE. THE COMMENT SECTION ON MY CREDIT REPORT AS OF XX/XX/23 HAS NOT UDATED SINCE MY FIRST DISPUTE ON XXXX PAYMENT STATUS IS LATE 60 DAY AND THE ACCOUNT IS PAID AND CURRENT. UPDATE TO PAYMENT NEVER LATE OR REMOVE FROM MY CREDIT REPORT FOR FAILURE TO COMPLETE AN investigation ON MY ACOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: AZ
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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a victim of check washing fraud by Chase bank and XXXX  XXXX XXXX. For a total loss of XXXX, was cashed and stolen from my account. I have been trying to recover it from Chase however 10 months have gone by, and I have been unsuccessful. The bank also wont issue me provisional credit, while they complete the investigation. 

I am requesting to be helped out this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have received confusing and contradictory information regarding my repayment options. I tried to resolve this on multiple occasions without success ( lack of communication from my servicer, FedLoan Servicing ). My bill then increased by over 100 % ( approximately 3,000/month ), still without any communication. 

I have been in the IDR plan for many years. My income increased this year, and when I went to recertify, I was told that my application was on hold. Here is a timeline of events : XX/XX/2019 I received an email notice that I need to recertify my IDR XX/XX/2019 I received email confirmation that my IDR request was received. I was informed it was on hold, and that I would receive additional information after XX/XX/2019 when my final payment posted. 

I never received this email. I logged into my account in XXXX and the progress of my request said " denied. '' This message was present : " We were not able to process your recertification request for your IDR plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. This letter never arrived. 

I never received this letter. 

XX/XX/2019 I sent an email communication asking for more information. A day later, I received a letter stating that I would remain in the IBR plan, and that my payments would be ~ $ XXXX/month. At the same time, the next balance statement for me stated I would owe ~ $ XXXX. I did not receive a reply to my email inquiry about this. 

The bill stayed at XXXX despite my email request for more information, and I was charged XXXX ( approximately 50 % of my current monthly take-home pay, and about 25 % of my household income ). On top of that my outstanding interest was capitalized, presumably because I was changed into a new plan? 

I completed my paperwork ahead of time, and tried on multiple occasions to figure out the problem. I received no direct communication despite my attempts at email, and as a result of the inability to resolve the problem had a massive jump in my monthly payment as well as a capitalization of my interest. 


A second complaint, though more minor is equally frustrating. A loan repayment assistance program to which I replied requested a " total payoff balance '' statement from my servicer. I sent 5 emails over two weeks requesting this, and never received a single response. The deadline from the assistance program has now passed, and it may affected my eligibility for assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
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 hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXX XXXX XXXX XXXX account number XXXX. In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX  and XX/XX/2021. I assert that my payment was made on XXXX XXXX XXXX in the amount of {$300.00} with confirmation number XXXX as well as a payment XXXX XXXX XXXX  in the amount of {$460.00} confirmation number XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: HW Holding, Inc
State: GA
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:
Hunter Warfield fraudulently added my name to my XXXX XXXX XXXX XXXX account claiming the debt was joint and reported it to the credit bureaus. {$4700.00} I was on a lease with my daughter from XX/XX/XXXX, to end of XX/XX/XXXX. After that time I was removed. My daughter singed a lease with XXXX XXXX XXXX XX/XX/XXXX. The debt comes from unpaid rent in XXXX of XXXX. 

I have copies of the general release by landlord dated XX/XX/XXXX, the lease dated XX/XX/XXXX without my name on it, as well as a letter from the XXXX XXXXXXXX XXXX dated XX/XX/XXXX stating that they did not submit my name to Hunter Warfield. 

I have received over 30 calls in a 3 month time frame, some multiple times in a single day. They started leaving voice mails, with no details, and when I called they wanted personal information. 

Hunter Warfeild illegally obtained an old lease to post this fraudulent debt in my name to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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:
I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Paramount Recovery Systems, L.P.
State: WI
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:
Account XXXX Upon review of my credit report, I notice that I had 2 new medical collections on my report, One, I recognized, the other, I did not. The collection agency, Paramount Recovery Systems, failed to send me a notice of debt on either collections, giving me the opportunity to dispute the validity of the debt before placing it on my credit report. My credit report states that this account had opened on XX/XX/XXXX. I had not received any services rendered from the original creditor, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXXXXXX XXXX I reached out to the original creditor to verify this account and they could not verify nor validate that I was rendered services as reported on my credit report. I also contacted the collection agency, in which I could not confirm nor verify because they did not want confirm the record of services rendered. I am not sure if this is just a duplicate account or a case of Identity theft. I am currently in dispute with bureaus. I am not liable for this debt with XXXXXXXX XXXX XXXX I do not have a contract with PARAMOUNT RECOVERY SYS, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CO
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, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : 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 explanation