BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: IL
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:
My complaint is against XXXX formally known as XXXX. They have placed erroneous information on my credit profile that I have been disputing with them directly as well as the Credit Bureaus. Today I received an email from them claiming I owe them a debt and have a right to dispute it. However, I have already been disputing this debt since XXXX of 2022. This account came to my attention in XXXX. 2022 as a charge-off showing up on my credit reports. I have sent written letters as well as emails to them awaring them that this account was open fraudulently and that I have no knowledge of this debt. I was told in response that I would have to dispute with the credit bureaus and with the FTC and they would follow-up with an investigation. I emailed them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as filing a report with the Federal Trade commission. I delivered the reference number of my report to them ( # XXXX ) via email. Nothing has been done about this. In addition I have pulled my credit report and the data furnisher has violated my consumer rights in accordance with the FDCPA. the data furnisher has failed to mark my account in dispute status, as well as failure to conduct a full and thorough investigation. I have the right to and accurate credit profile. I want this account removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I switched service providers from XXXX to XXXX due to coverage issues. I went to the retail store and turned in equipment and paid the account balances to {$0.00} on XX/XX/2018. I received a new bill in early XX/XX/XXXX for {$140.00} ( another month of service. ) I called and disputed this immediately, and the agent on the phone agreed to remove the debt. 

In XX/XX/XXXX I noticed in the mail another letter from XXXX saying I still have a debt, again I called and they said they have no record of the previous call, and that they will open up a dispute of the debt. A few weeks later I start getting calls from a debt collection agency ERC and then eventually a letter from one saying XXXX sold them my debt. 

I verbally disputed the debt, and said I will only deal with XXXX. I called t-mobile again and they again, said they will open up a dispute. 

XXXX nor the debt collector does not have a detail record of the billing period that they are claiming I was charged for, but I left their service in late XX/XX/XXXX and paid the balance owed by XX/XX/XXXX. 

The debt collector reported this on my credit report even though it is still being disputed. I had a high XXXX score, this one thing knocked it down to XXXX and is preventing me from some lending. I've attempted to pay or negotiate the debt with both XXXX or the collector but admit no wrongdoing just to make it all go away, but the collector will not remove this from my credit. The fact that they sold a debt to collector that is being openly and honestly disputed, and then do not provide me with adequate billing information, then on top of that destroy my consumer credit is an unfair and unjust process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CCF Intermediate Holdings LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received XXXX letters from XXXX XXXXXXXX XXXX XXXX saying I am seriously delinquent on a loan taken out in XX/XX/2022 from Speedy Cash. I don't know anything about this company nor have I borrowed money from them. 
Company is Speedy Cash. Amount they say I owe is {$410.00}. 
XXXX  XXXX XXXX XXXX File # : XXXX I called XXXX XXXX Collection and they identified the claim by Speedy Cash and put a flag on it pending notification from you. Their Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CITIBANK, N.A.
State: CA
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for c purpose.

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 2019-03-09
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
this company is calling me for my brothers debt. i told them he doesn't live here. they tell me if he doesn't contact them by a certain time legal action will proceed.i have twice told them this is not his number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: IL
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 sent a letter on XX/XX/ to XXXX and Equifax to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: DE
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:
Currently trying to buy a home and in doing so I've found multiple inaccurate accounts reporting to my credit report according to 15 U.S.C 1681 law there should not be any damages on my report this is a defamation to my character. This detrimental to me because it is holding me back from providing a better life for my children i have reached out to all credit bureaus numerous times and nothing has been solved from inaccurate reporting to hard inquiries that was not authorized. I have reached out to the company to ask for proof of collections or me authorizing any company no proof has been submitted

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 2022-10-31
Company: EQUIFAX, 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$100.00} o XXXX XXXX XXXX Balance XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX, XXXX and XXXX I cosigned for XXXX student loans for help my son complete his masters. In XXXX I went through a divorce, and in XXXX the after being in forbearance the loans became due. At the time my son had not found a position for employment with his degree and I was in school myself trying to attain an education I could use to provide for me and my XXXX children. My son was unable to make the payments and I was unable to afford the total amount of all XXXX loans ( the total is just under XXXX a month ). I have fallen behind on the payments several times and have reached out to Sallie Mae several times after repeatedly receiving harassing letters, emails and phone calls threatening me if I did not become current. I have pleaded with Sallie Mae to try and work with me but have been denied each time stating that " I do not make enough money to qualify for any of the programs they have available to reduce my payments ''. I continue to struggle doing as much as I can but it is never enough and the harassment continues. My son, has a full time position and is now married but Sallie Mae does not attempt to reach out to him since they have realized my son does not care about his credit score since he has his wife 's credit to be able to obtain whatever they may need. I on the other hand, have nobody but me. I even tried to apply to consolidate the loans with another company but was denied unless I could find a cosigner. I am not in any way trying to get out of my financial obligation, I am just trying to get Sallie Mae to work with me to get the payments where I can afford them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Called on the XXXX of XXXX to discuss why XXXX $ was taken out of my debit account when I can not afford this payment. In order to lower my payments I submitted an income drive repayment plan application. Fedloan sent me a letter saying it was still pending but they needed more information. I sent all correct documents such as my most current tax information. When I called Fedloan customer service they agreed with me in that letter I was sent did not make sense and therefore my application should not be pending. The agent I spoke to, ensured me that my next payment would not be debited from my account because she will suspend it. As of today, XX/XX/XXXX, when I look at my bank statement it says my debit account is XXXX $ because Fedloan RETRIED a payment of XXXX XXXX They are not giving me clear information and clearly aren't following through with the requests i've made. I am also trying to take my account and routing number off of my Fedloan account online and I am unable to do so. I refuse to make any more payments until this situation is rectified on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX and or TransUnion hasnt reported my credit card with XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} and {$0.00} balance carried monthly in over a year. Attached is proof

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 2022-10-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My 15 year mortgage originated in XX/XX/XXXX with XXXX XXXX. In XXXX, XXXX, I inquired with XXXX what needed to be done to remove PMI. On XX/XX/XXXX XXXX mailed me a letter ( attached as pdf " PMI Waiver Request '' ) that I needed to reduce the balance by {$34000.00} and that I could send them cashiers check if I chose to do that principal reduction. I subsequently mailed them the cashiers check for that same amount dated XX/XX/XXXX ( attached as pdf " CASHIER 'S CHECK '' ). Then I received a letter from XXXX dated XX/XX/XXXX ( attached as pdf " PMI Waiver Approval '' ) telling me that I met the requirements to have PMI waived on the loan. I have not had PMI since XXXX of XXXX. 

Recently, Nationstar Mortgage XXXX. d/b/a " Mr. Cooper '' has acquired the loan and is trying to charge me PMI. I telephonically contacted XXXX XXXX in Mr. Cooper 's PMI department on XX/XX/XXXX and supplied them the documentation mentioned above and they said that they will look into it. I received a letter dated XX/XX/XXXX ( attached as pdf " PMI Denial Letter from Mr. Cooper '' ) that stated my request was " ... denied for another reason '' and that I needed to contact their customer service for more information. I called and spoke to XXXX but she was unable to articulate the reason for the denial. 

It is important to note that the changes in PMI requirements did not affect 15 year FHA loans originating prior to XXXX. ( See attachment pdf " XXXX 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 explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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'm in accordance with the fair credit reporting act the list of accounts below have violated my federally safeguarded consumer right to privacy and confidentiality under XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$1800.00} XXXX, XXXX {$190.00} XXXX XXXX XXXX {$380.00} XX/XX/XXXX XXXX {$840.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602- 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 my written instructions 15 U.S.C 1681c ( a ) 5 sections state no consumer reporting agency may make any consumer report containing any of the following items of information or 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 section 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 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 2017-12-14
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: Old information reappears or never goes away

Complaint:
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.

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 2023-12-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED 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 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( 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 I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX  party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXX Code XXXX 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 2019-06-30
Company: Convergent Resources, Inc.
State: TX
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 XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in 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 explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2020-02-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/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