BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am writing to formally request the cessation of reporting a late payment on my credit report. The late payment is associated with XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, an account I no longer have with the company, and I believe it is necessary to address the impact it has on my credit history, especially considering the challenges faced by everyone during and after the pandemic. 

To provide context, I want to emphasize that the late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain responsible financial habits. Unfortunately, the lingering presence of this late payment has had a lasting impact on my creditworthiness and financial opportunities. 

Furthermore, the circumstances surrounding the pandemic have posed significant challenges for individuals across the country and around the world. The economic repercussions and financial hardships experienced by many during this period have been unprecedented. In light of these challenges, it is crucial for credit reporting agencies to exercise flexibility and understanding regarding negative entries on credit reports, especially those stemming from years ago. 

Considering the aforementioned points, I kindly request your assistance in ceasing the reporting of this late payment on my credit report. I no longer have an account with the company associated with the late payment, and its continued presence on my credit report creates an unfair representation of my current financial status and efforts to rebuild. 

I kindly ask that you review this matter with consideration for the hardships faced by individuals during and after the pandemic, and the impact it has had on their financial well-being. I believe it is essential to provide individuals with the opportunity to recover from such setbacks and regain financial stability without being hindered by dated negative entries on their credit reports. 

I kindly request that you provide me with a written confirmation once the necessary actions have been taken to cease reporting this late payment. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this issue and ensuring the accuracy of my credit profile. 

Thank you for your understanding and consideration.

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 2023-07-01
Company: Upstart Holdings, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX a loan with the company Upstart was taken out in my name. I was made aware of this after a military training event when I made a check into my credit score. The company had performed little to no background checks in regards to ID verification, and had issued the loan with incorrect information. I had attempted to follow what the company had suggested according to their fraud department, and had contacted all three credit bureaus upon noticing the fraud account. Contact was made in XXXXXXXX XXXX XXXX 

As with life in the service, I was not available to make follow ups on my own behalf in timely manners, and as such had my durable POA act on my behalf. To which the company refused to work with at every turn. Even after having been given complete access to the issue by my verbal omission. This has only extended the issue into this date of XXXX. 

As of XXXX where the company now claims to have failed to receive a forum provided by them that was submitted in triplicate to them, to the address that was provided by Upstart. A request on where to find a new forum to be faxed was made, where Upstart then provided incorrect information, and a fax number on where to send it once completed. Attempts to get the correct information failed, and the company has little to no interest it seems in getting the issue resolved. 

As a large overview of the situation, I have never had the displeasure of dealing with a company who is so unwilling to work with a fraud situation. I am in great disapproval at their customer care in regards to dealings with a POA, and their validation process to get a loan issued. As it seems there is little to no verification as to the correct ID of any information of the person. Had they done so, they would have easily made note that the bank used in this account, the address used, and the employer information were all incorrect, dated, and no longer applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Your Loan Started XX/XX/XXXX Your Loan Ends XX/XX/XXXX Remaining Payments 90 Prepaid Principal {$16000.00} Prior Yr Principal Paid {$11000.00} Prior Yr Interest Paid {$1200.00} Suspense Balance They refuse to put the prepaid amount towards our principal. They have it in a suspense account. I can not quit crying. Now they have on our statement they will not accept payment unless we pay them in full. They sent our loan over to investors that placed it online. We have never missed a payment and prepaid them XXXX. They are trying to take our home from us. Thousands and thousands of fake fees. I want charges pressed immediately for the XXXX, their license revoked, my lien released, and XXXX in suffering. I can not sleep, I can not eat, and have been put on XXXX XXXX medicine. They have taken all our money and now they are trying to take our home. I reported them to the Attorney Generals office, XXXX, and others. We have had enough and want them to be held responsible. Shut them down, please. They have committed identity fraud. We are in our XXXX and have paid them every month. We dont deserve this. If they dont put the prepaid towards our principal I am filing theft. I can not take much more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX listed a collection on my credit reports that had been placed with XXXX XXXX XXXX. I requested debt verification and have not received it. I canceled service due to a move and returned all equipment to a local XXXX XXXX XXXX store. I do not owe this debt and demand that it be removed from all 3 credit bureaus immediately. I disputed this previously with XXXX and they stated that XXXX closed the account as disputed by consumer and said that they deleted any tradeline reported on behalf of XXXX XXXX XXXX XXXX XXXX Despite this, it is now back on my credit report. Delete immediately or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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 a consumer pursuant to 15 U.S.C. 1692a ( 3 ).

Chexsystems has furnish unauthorized information about me a consumer to third parties and other persons.

Chexsystems never received written instructions from me to do so pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, which states - ( a ) 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.

Chexsystems has violated 15 U.S. Code 1681q.Obtaining information under false pr
etenses by furnishing information without my consent, all employees officers, and senior members of Chexsystems are subject to the following - Any person who knowingly and willfully obtains informa
tion on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: NV
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 have reached out to the company and tried multiple times to resolve the issue. They refused to do anything.

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 2021-07-30
Company: American Credit Acceptance, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
American credit acceptance is a financial company that I used to finance a used vehicle back in XXXX. Then i started to fall behind on payments, and tried to set a payment plan with them. I was told, they DO NOT have any kind of repayment plan or refinance option at all. strange but ok, so they wanted the past due balance paid in full to make the account current that was a few grand at best. So I decided to wait for a better option, to either refinance with another company or another loan. Then came covid-19, i was laid off so no income at that time. Things were ok until XXXX on XX/XX/XXXX when my wife left home and went to a local XXXX  in XXXX, IN. Upon coming out she noticed the vehicle was gone, thought is was stolen. She called XXXX to report it and was told it was repossessed. Really how? I spoke to a local police officer that was on scene and he concluded that someone followed my wife from home across state lines to XXXX to tow a car. ( stalking ) not that serious for someone to sit outside my home and wait for my wife to leave and follow her where ever she went. ( crippy ) unacceptable to have my wife stranded in another state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
According to 15 U.S.C. 1681i ( 5 ) XXXX, XXXX and Equifax are suppose to modify my accounts that are NOT reporting correctly. I have been doing this back and forth for over a year. I have told them to reinvestigate these accounts XXXX XXXX XXXX XXXX and numerous Receivable XXXX XXXX XXXX However, they have stated everything was complete and accurate. But how is that possible when the dates open, last activity, including me even having a loan on my credit report when XXXX XXXX does not own any loans of mines after they were forgiven and removed from all credit beaurea but XXXX XXXX Equifax is constantly violating my rights and inaccurately reporting against my government social security number. 

I have also submitted supporting documentation with my previous request. 
I have advised them to remove these accounts and if not provide me proof of accuracy along with my WRITTEN CONSENT TO BE FURNISHING MY ACCOUNT which such information. Per XXXX XXXX. 1681 Section 604 A Section 2.

Per 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 more than seven years.

15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts upon my government administered social security number ; my rights has been violated.

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

15 U.S.C. 1681-2 ( A ) ( 1 ) states : 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 the information is inaccurate. They are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

I really hope we resolved this matter ; I have been trying to work with the beaurea but they are hurting my job livelihood, my means of having a home and my character with the inaccuracies and constant updates of false information on my report. I spoke to student loans XXXX times and they have stated that they have requested all credit beaurea remove them from my account since I have no loans with them and is no longer in default. XXXX abide however, experian and equifax has not. I am so fed up with going back and forth and constantly pulling you all into this but they are ignoring letters sent and well as dispute through you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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 information incorrect

Complaint:
I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the XXXX  and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! 

XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 : Account Name XXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX  XXXX {$600.00} 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 an account without written instructions. 15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2  ( XXXX ) 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 2017-08-09
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY & ATTORNEY 'S OFFICE HAS MADE NUMEROUS ERRONEOUS ATTEMPTS TO COLLECT A DEBT FROM ME THAT I DO NOT OWE. THEY FIRST OBTAINED A JUDGMENT WITHOUT EVER SERVING ME PROPERLY IN 2004. I WENT TO COURT AND RE-OPENED THE CASE AND THE JUDGMENT WAS VACATED. THIS WAS UNDER ONE NAME AND INDEX # AND ATTORNEYS OFFICE, THEN THEY AGAIN TRIED WITH THE SAME ATTORNEYS, BUT UNDER A NEW ATTORNEY 'S OFFICE NAME, SEEKING THE SAME DEBT UNDER ANOTHER COMPANY NAME. THIS CASE LIKEWISE NEVER RESULTED IN A JUDGMENT. YESTERDAY I GOT A LETTER FROM SELIP & STYLIANOU , LLP, ( WHO WERE PREVIOUSLY " XXXX XXXX XXXX '' YOU CAN SEE THOSE ATTORNEYS STILL ON THE LETTERHEAD OF SELIP AND STYLIANOU ) ON BEHALF OF XXXX XXXX SAYING I OWE A JUDGMENT. MY WIFE AND I HAVE WRITTEN AND CALLED THEM AT LEAST 25 TIMES OVER THE LAST 13 YEARS TELLING AND REMINDING THEM THAT I DO NOT OWE THIS AND THAT THEY DO NOT HAVE A JUDGMENT AND STILL THEY SEND THESE LETTERS AND WHEN WE CALL THEY ARE NASTY AND INSIST THAT I DO OWE THE MONEY AND THAT I DO HAVE A JUDGMENT AGAINST ME. I AM AT MY WITS END.

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 2023-06-21
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am sending this dispute letter on my behalf. Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2023-06-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XX/XX/2023 - {$1200.00} I was told by PayPal that a purchase was made to XXXX. Upon looking for them online I found that it was from a realty company. In order to file the dispute I needed to file a form. Upon filing this form I had made a mistake writing it from {$150.00} to {$15000.00}. In order to make the proper correction I would have to send then more $ XXXX 

They text me an E-Check for {$26000.00} from the XXXX XXXX XXXXXXXX which would be forwarded to my checking acct. upon there receipt of the money. 

XX/XX/2023 I needed to send them and additional {$1300.00}. Both times this was done by me going to a XXXX XXXX  sending them cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, R ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX ONEMAIN XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief