BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: NJ
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
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:
The credit bureaus are not giving me my free reports.

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 2016-10-06
Company: Manhattan Beach Venture, LLC
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX of 2016 I began the process of consolidating my federal student loans and applying for the Revised Pay as You Earn Program with the Public Service Loan Forgiveness with the federal student aid department. I contacted a company I thought was affiliated with the Federal Student Loan Department ( the Student Loan Relief Department ) to help me along with this process. I was not aware that the services offered by this company for a fee of over {$1300.00} are available for free from the department of education managing the loans. I was never told that this service is available to me at no cost. I do have paperwork I signed stating that I agree to pay the fee, but I do not feel like it should be legal for this company to charge individuals for a free service. I feel as though I was not thoroughly made aware that the same service I was paying for was something that could be completed at no cost to me. This is unfair to individuals who are simply attempting to manage student loan debt, or any debt for that matter, and are unfairly taken advantage of when attempting to do so. The representative I initially worked with is named XXXX the phone number for this company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Show me the privacy note with my signature that was used to share my PRIVATE INFORMATION with the debt collectors Show the privacy notice to go from different debt collectors Thats a violation of my rights You can not just pass my private information to more than one debt collector without my consent. 


1. ) show me the notice you have Prove the claim amount You claim I owe XXXX $ show me based upon the accounting records how we got to XXXX $ Also the full account number for the account? 

XXXX isnt proving the full account Also the XXXX $ debt you claim I owe? 

XXXX ( Dont just send me statements, which youve never done including signatures and everything else Ive asked for proving the debt is mine Dont just have a statement or another statement, lets not leave it at that. Show me how you got to that claim. Show me my payments my interest rates the signed authorization charges. Digital or Signature or keyed in with a pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I saw that on or around XXXX I saw a lot of pre approvals on credit Karma. At first I didn't pay it any attention but Credit Karma kept sending me all sorts of different Pre- approvals telling me that I was Pre-approved for credit cards, personal loans, and that I can refinance my car. Everyday I would see these offers every time i logged in to check my credit scores. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma, I started telling my whole family about vacations and investments we were going to use these pre-approvals for. So I applied on or around sometime in XXXX  and I got denied for 2 credit cards and a personal loan. I was distraught. I was very angry, and I felt deceived. I was marketed to for months telling me for months. Credit Karma told me that I was Pre approved. This was a lie. I was severely stressed out. I was XXXX  for weeks. I had XXXX  so bad I became anti-social. My XXXX  went from 0-100. Now every time i see pre approvals, I immediately close my phone and shut my computer off. This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
transunion and their accomplice XXXX XXXX  have zero regard for the law contained in the fcra. 
the accompanying attachments fully explain the uncontrovertible, unconscionable regard for damage inflicted time and again with more than 15 verified disputes on the attached account. 
the account is fraudulent. 
the account is duplicated with two different account numbers. 
the account has been disputed 15 times and never certified. 
the account has no regard for accuracy. 
the balance unpaid was created by the creditor ... see balance history, it is not factual or accurate or even possible to occur as reported ... it is impossible for the reported balances to happen the way the bank states in any case..it is more than likely computer or operator error. 
no one has looked at the obvious face of the record in 15 disputes. 
it seems as if there is no way this false reporting could hurt me more ... as a single not duplicated item its a loss of creditworthiness in the realm of 40 fico points but transunion has decided to publish the same account with two different account numbers and two different payment histories and all other info the same amounts, dates of opening etcetera to damage me more severely so that i not just have one serious derogatory but two of them on an otherwise perfect credit report.

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 2021-08-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX on XX/XX/2021 as the original creditor initiated a consumer credit transaction with Wells Fargo Auto using my credit card. A finance charge arose with this transaction. As the original creditor, I required that my insurance be included in my finance charge, but Wells Fargo Auto refused to include my insurance in the finance charge. The finance charge is the sum of all charges including insurance. This is a violation of the Truth in Lending Act. 
As a consumer, I have the right to opt-out and pursuant to 15 usc 6802, Wells Fargo Auto was required to notify me of this right. They have failed to supply me with the proper information or steps to opt-out. They are willfully and falsely reporting inaccurate information to credit reporting agencies. I am not listed as the original creditor, the finance charge is inaccurate and wrong by more than {$100.00}, amongst many more violations. 
As a consumer, I also have the right to rescission pursuant to 15 usc 1635. Pursuant to this subchapter, Wells Fargo Auto was supposed to disclose to me this right and provide me with the necessary documents for this process. Failure to do so results in being held civilly liable for double the amount of the finance charge and any actual damages. 
Not only has Wells Fargo Auto been deceitful and abuse me as a consumer, they continuously harass me. Wells Fargo Auto has called my phone at unusual times at least 4 to 5 times a day. Not only do they harass me with phone calls, but they also call me at my place of employment. Harassment by telephone calls is a violation of the Fair Debt Collection Practices Act. 
Wells Fargo Auto has been sent an Affidavit of Truth, Debt Validation Letter and also a Cease and Desist Letter which has been attached. Upon receipt of these documents, Wells Fargo has 30 days to respond. Wells Fargo Auto is to cease all communication with me expect to notify through mail that debt collection efforts will be terminated or that a specified remedy has been invoked.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Investigation was done more than 30 days and yet not has changed, my credit report still has incorrect, misleading, inaccurate information that violates my rights...

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 2016-12-14
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I 've never recieved a bill from this company at all. I did n't even know what it is for. So when I called to inquire about it the supervisor/owner ( XXXX XXXX ) offered me a {$10.00} addition fee on top of what what I already owe to get it deleted as well. Like he was doing me a favor. Under the FPCDA unfair practices, " ... they may not try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law. '' I do n't know what kind of business they are running but I am not in compliant with this.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-10
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:
XXXX  AND EXPERIAN HAS NOT REMOVE A BANKRUPTCY THAT DOES NOT BELONG TO ME XXXX  HAS REMOVED IT BUT THESE TWO ARE NOT COMPLYING WITH THE FCRA LAWS

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 2022-05-02
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive sent several rounds of dispute letters and still no resolve or any type of concerning action was taken. I feel that Im in a really tough position. These fraudulent items on my credit report are hurting my chances of becoming a home owner. Which really puts me and my family in a bit of a hardship. To whom it may concern may I please be pointed in the correct direction to get my issue resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX contact lakeview loans for an extension on forbearance due to my hardship from covid not being resolved. Original forbearance dat XX/XX/XXXX to XX/XX/XXXX which is 14 months out of the 18 I am being allotted for from the cares act. 
XX/XX/XXXX Received a call stating my forbearance is ending on XX/XX/XXXX I advised the previous loss mitigation specialist submitted a request for extension. Specialist stated no request received but does see I have 4 more months and she would submit a request. 
XX/XX/XXXX Received another call from loss mitigation stating my forbearance was ending advised I have submitted this request twice already specialist advise they would submit a ticket since they were not able to do this in there system due to an error. 
XX/XX/XXXX Called loss mitigation stated the ticket would be resolved by XX/XX/XXXX and that I should be all set XX/XX/XXXX Called Loss mitigation stated they are behind still working on it and check back in a few days XX/XX/XXXX Called loss mitigation representative stated still in process at this point I have had enough and request for a supervisor. XXXX  supervisor contacted me back XXXX hours later stating I would need to submit financial documentation on my FHA loan. I advised per the CARES act that she may not request for proof of financial hardship. She stated that the companies internal policies are to request for financial proof and that the CARES act does not work anymore. She said only options that I have are for loan modification or to take out a loan for the balance.

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 2021-08-12
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Company continues to assert that I owe a debt to a phone company that I have not done business with in years. This is not my account and I don't owe any money to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent several written requests to TransUnion to remove erroneous accounts and information from my credit report. It has been almost a year since I sent the first letter, and to date, they have not removed the information or provided valid proof that the information or accounts are correctly reporting. I sent the letters certified on XXXX occasions to make sure that they received them ( XX/XX/22 and XX/XX/22 ). Both times, I was able to verify that the letters were delivered to TransUnion. And, both times, I did not receive a response. I even waited past the 30 days that they are allotted to review and respond. I have given ample time for them to review my request and rectify the situation, but, they either do not respond, or they state that the information is correct as it is reported. I have provided all of the information to them that my credit report shows, and I provided my credentials to verify my identity and address. At this point, I am lost on how to get them to fix these errors they continue to report. I have attached all of the letters I sent to them for your reference.

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 2023-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alleged debt purchaser, Portfolio Recovery Associates , LLC ( " PRA '' ) made multiple false, misleading and deceptive written and recorded telephone statements about Ohio law 's requirements about the type of documents and legal instruments it must provide me to establish written debt verification of it's standing and real party in interest status as the owner and purchaser of my credit card account. In XXXX, 2023, PRA placed a collections account on my credit report as the alleged purchaser of the account from the original account holder. I exercised my rights under Fair Debt Collections Practices Act and Ohio Consumer Sales Practices Act ( ORC Section 1345 ) to request written debt verification, starting with proof PRA is the true owner of my account. I specifically requested copies of the account and asset purchase and sale contract, bill of sale, payment records and assignment of account rights between PRA and the original creditor. PRA refused to produce these records. In two lengthy recorded telephone calls with PRA Disputes Teams employees and supervisors, PRA falsely stated Ohio law did not require it to produce these records in response to requests for written debt verification. PRA stated the monthly account statements and extraneous correspondence purportedly from the original creditor met its legal burden of proof. PRA was fully aware but ignored binding legal precedent from the Ohio XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX which completely supported me and rejected PRA 's argument. In fact, the Ohio Court of Appeals reversed the trial court and entered judgment for the consumer because PRA failed to produce the exact same records I requested. Subsequently, I performed independent legal research which yielded the XXXX decision. In XXXX, 2023, I emailed PRA 's legal department the XXXX decision. Only then did PRA acknowledge its false, deceptive statements and closed my account. Notably, the Ohio Supreme Court has held the Ohio Consumer Sales Practices Act provides similar yet " broader '' protections for consumers as the Federal Fair Debt Collections Practices Act. See, XXXX v. XXXX XXXX XXXX. XXXX, XXXX, XXXX Ohio XXXX XXXX. Both statutes allow for actual and nominal damages for false, misleading and deceptive statements. The Ohio statute also authorizes treble damages for violations. I seek {$6000.00} compensation to avoid filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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:
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 : OFFICE OF THE ATTY GENER # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: TX
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 am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.

Company response to consumer: Closed with explanation