BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Consumer Adjustment Company Incorporated
State: TX
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 Illinois XXXX This bill has been fully paid by XXXX of Texas. 
I have verified all information plus I have the pay statement from XXXX. Blessing hospital has called to reverse off of collection but Consumer Adjustment Company the collection agency XXXX will not cooperate with me to remove it. I have disputed this 3 times since it has been paid in full and they will not cooperate with me. All im asking from them is to remove this paid debt from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are inaccuracies in my credit report, such as incorrect employers. It's essential to swiftly correct this fraudulent information. Having experienced such issues before, I am diligently working to ensure the accuracy of my reported data. Despite my persistent efforts, I have not received a satisfactory response from the responsible organizations responsible for providing accurate and lawful information. Consequently, I am reaching out for assistance from a higher authority. Your prompt attention to this matter is highly appreciated.

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 2023-10-22
Company: Nelnet, Inc.
State: CO
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 submitted my SAVE application on XX/XX/XXXX to reduce my student loans by XXXX to {$200.00}. During that time they said they would send an email every 10 days to know the status of your application. I have not heard anything since. On XX/XX/XXXX I was required to pay an absurd amount of my student loan even though I can not afford it and my save plan is still processing. I have tried calling every week since XX/XX/XXXX and every time I call, I never get a person on the line, I wait two hours and the phone gets disconnected, and I have tried emailing with no responses. This is not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt that was originally with XXXX, but it is now with JH Portfolio Debt Equities. I  have tried to call this company every day for a week, and no one ever answers the phone. I left my phone number on their voicemail, but I havent received a call back. 

I know the debt is valid, but I am having trouble paying on it since I cant reach the collector

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with TransUnion. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.

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 2023-12-16
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They are claiming that I've went to the hospital on dates that are not right. Ive asked for them to send proof from the original person the debt was owed to and all they sent me was a statement of what was owed. The company has repeatedly reposted the same debt on ti my credit continously driving my score down and preventing me being able to use my credit.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 filed a dispute with Transunion about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX.The school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with Transunion for past 21 years because somehow Transunion had in their system my daughter SSN number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXXBy law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from Transunion after years of fighting my identity with Transunion.By law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to Transunion or any other affiliate of Transunion I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: National Credit Systems,Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Ga XXXX has been reporting to XXXX XXXX, XXXX, and XXXX a debt of {$9900.00} for a XXXX XXXX XXXX XXXX XXXX Apts. 

The reports I have claim that the account was opened XX/XX/XXXX. 

I have however, never lived in XXXX, Ga nor rented any sort of apartment. 

I have made attempts to leave messages with the apartment complex, but have received no response back by a manager. 

Additionally, on XX/XX/XXXX, I have sent the attached documents, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating their claim is disputed and validation is requested. 

As of XX/XX/XXXX, I have received no response nor correspondence from this company. However, they continue to report this negative debt on my credit reports falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Movement Mortgage LLC
State: MA
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:
This complaint is against XXXX XXXX, employee of Movement Mortgage. Movement Mortgage is a company whose headquarter is at XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

XXXX XXXX pulled my credit report without my written consent, even after I explicitly told him I do not want to proceed with my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: VW Credit
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:
I reviewed my Consumer Reports and noticed that I had a XXXX  day late payment posted for VW credit, and that they reported this XXXX  day late payment fraudulently, inaccurately, and unfairly. As you can see from the attached screenshot, the Date of Last activity shows XX/XX/XXXX, and my account was NOT XXXX  days late on this date. I also called them on XX/XX/XXXX, and I have their company representative stating on their recorded line that they post XXXX  day late payments BEFORE the account hits XXXX days past due. This is fraud, and it is inaccurate and unfair reporting, which is a direct violation of the FCRA! This inaccuracy on my report has ruined my life and now I can't purchase a home because of this inaccurate reporting when I had perfect credit before this! They must provide this recorded call as evidence that their representative stated that they post XXXX  day late payments before the XXXX  days because this is what they actually did on my credit report. VW Credit must also prove that my account was NOT XXXX  days past due on XX/XX/XXXX, which is the Date of Last Activity by the company. 
I'm extremely concerned that VW Credit will not fix this because they had a XXXX XXXX XXXX back in XXXX where they were at fault for fraudulent and inaccurate reporting that they did not investigate and/or correct. 
Overall, they fraudulently, inaccurately, and unfairly reported my account as XXXX past due BEFORE it was XXXX  days past due!! This must be fixed and disciplinary action should be taken against VW Credit. 
Also, they are reporting the " date opened '' inaccurately. Please see screenshot provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: TX
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 am interested in disputing all incorrect information from my credit report with Experian. Alot of information is invalid. please correct the file to be 100 % correct

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 2023-06-19
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  Accounts # XXXX XXXX  XXXX ( {$800.00} ) # XXXX XXXX  XXXX ( {$700.00} ) # XXXX XXXX XXXX XXXX  ( {$370.00} ) # XXXX XXXX XXXX XXXX ( {$2700.00} ) # XXXX XXXX XXXX {$700.00} ) 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 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 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 explanation
Consumer complaint received 2018-08-14
Company: CCS Financial Services, 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:
On or around XX/XX/2015 XXXX XXXX reported a paid off account that was paid off. The account was with XXXX  and the payment was applied to another XXXX  account via the customer service agent for XXXX  error. Once the account was sent to collections I informed XXXX aka XXXX  of the error and was informed after an investigation that the account would be removed and that it should have never been reported. The account does show a XXXX  balance but is reporting as if I had anything to do with the error. The account needs to be removed ASAP. It is not valid account nor was it past due. I did not now nor did I ever make a payment to XXXX XXXX XXXX. The collect company has not been helpful in my efforts to fix error nor did we have a contract.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-27
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
unknown debt placed on my credit report XX/XX/19 receiving harassing calls, damaged my Credit. please remove

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XXXX/XXXX/XXXX, I entered a consumer credit transaction with Bridgecrest. XXXX XXXX I came to the site of my car being repossessed in order of the financial institution Bridgecrest. I asked the man taking it to stop, he proceeded in driving as I didnt know who he was. He stopped his vehicle to yell at me, basically breaching my peace. The very day after, I contacted Bridgecrest to be informed that my car was repossessed and charged off as of XX/XX/XXXX. I have made several chances to make it right even before this in XXXX ; I clearly expressed that I have/ had financial hardship and couldnt afford to pay the debt and car maintenance. I further discovered that on top of other violations, Bridgecrest and/or XXXX ( the dealer ) has not ever informed me about my right to rescind. Both parties participated in uniformed use of credit, no adequate notice and violated the law determining my finance charge. I am enforcing my right today with given reasons and notice to Bridgecrest as well. I have also disputed on experian.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: CA
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.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

XXXX ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} EXPERIAN ; XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX XXXX XXXX XXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried getting my monthly payment to be lowered by Sallie Mae several times because I feel that my monthly payment is a ridiculous amount and unrealistic for the amount of money that I make. The interest rates are also very high and continue to go up. I am struggling to make my monthly payments, but every time I speak with a representative they say there is nothing that they can do to lower my payments. They have told me that my loans will have to go into default in order for them to be able to help me, but even then that help is not a guarantee. I do not want my loans to go into default as I know that will greatly hurt my credit score and also my co-signers. Sallie Mae does not try to alleviate any financial stress that many of us have, especially with inflation across the whole United States being at an all-time high. I have called and spoken to several representatives on several different occasions about my payments, however, nothing is ever done to help 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 2022-10-31
Company: EQUIFAX, INC.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation