BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XX/XX/XXXX, one letter was sent to Midland Credit Management ( MCM ) in XXXX, MI to verify the debt they are reporting to the credit bureaus. The letter was received on XXXX XX/XX/XXXX and signed for by a XXXX XXXX. I have received a response from MCM dated XXXX XX/XX/XXXX as required by Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). Even though I received this information, there wasn't any information that would verify debt. The information received are working documents. There is no wet signature document to verify that I have applied or owned that debt. They are reporting the debt as continuously late up through XX/XX/XXXX ; however, their own documents show that the debt was charged-off in XXXX. How can a debt be late if the account was charged off, which means it was closed? They are reporting as if I opened the account with them. Even the information reported between the three bureaus changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: Their investigation did not fix an error on your report

Complaint:
This problem is with Experian, In XXXX I had a account with XXXX XXXX that is held by XXXX XXXX, This account was opened XX/XX/XXXX They say charged off as it was going through Bankruptcy they started this XX/XX/XXXX, at this time my credit took a point loose. Then in XX/XX/XXXX they marked bankruptcy, They although tried to hit my cerdit report with saying I claimed bankruptcy in XXXX of this year my score dropped XXXX points had to get XXXX XXXX to help prove no new bankruptcy. Now this week in XX/XX/XXXX they are reclaiming charge off and my score fell XXXX more points this should not be reported again was once reported charge off XXXX then in bankruptcy, Experian is telling me I can keep having my score drop from this same account till it comes off account. I have tried calling XXXX XXXX  no help I wrote to the in XXXX and sent in Discharge papers And I believe a problem may be XXXX XXXX  changed it to a collection agency with new account number and then back to bankruptcy number

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 2019-10-25
Company: Experian Information Solutions Inc.
State: SC
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:
PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: AR
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:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-10-25
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Allied Business services and was told that they no longer had my account and the account was sent back to the original creditor. I asked the representative if there was a reason for me not receiving notice due to it damaging my credit and the rep stated that the credit bureaus were contacted and the information is still on my report as of today XX/XX/2019. i was given inaccurate dates of the company releasing my files and now I am suffering financially due to the negative information not being removed in a timely fashion. As a consumer I feel that my rights have been violated and my credit as well as my character is tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
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:
Experian has no written instructions to share my information and has committed identity theft from sharing my information and obtaining my information no in accordance to the requirement of the FCRA

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX These account have 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

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 2022-12-04
Company: Experian Information Solutions Inc.
State: AZ
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a 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 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Im a Bank of America client, I have been credit holder for many years, on XXXX I lost my job and BofA did not help me to be able to make payments so they increased my debt with interest and fees, also one of my credit cards from BofA got it without applying for it. I saw the class action lawsuit against BofA but I havent been contacted about it. What can I do????

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 2022-12-04
Company: Experian Information Solutions 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:
This complaint is from me a human person XXXX XXXX not a company or any other thing like that this is a formal complaint i used the templates provided by the ftc. I submitted a identity theft affidavit to the credit bureaus asking them to remove accounts that are identity theft, its my understanding that per the fair credit reporting act they have XXXX days from the date of receiving those letters to remove those accounts.

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 2018-12-15
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Every time I reach out to the company ( Loancare ) in regards to my loss mitigation application I am told something different. Ive never received correspondence about my case and when I call the company no one seems to be able to help me or have any information about it. I was told my case workers name is XXXX XXXX be shenever answers when Im transferred to her nor does she returns my calls. Ive been told that I was in a trial payment plan for four months and was forced to make a payment of {$1000.00} and some cents without agreeing to any of it only to call again and be told that no Im not on any trail payments and that they must have been in the wrong persons file!!!! My regular mortgage payment is 1200 plus dollars so the XXXX payment then was moved to so other account not being applied to my monthly payment and now Im considered to be be late due to their confusion. Even when I visit their site it shows that there is a 1st trail payment that they are trying to tell me that they never had me pay. Their site does not allow you to pay less than your monthly balance do this wouldnt have happened unless they arranged it that way. Somewhere along the way there is a lack of communication within this company that my mortgage was unfortunately sold to.

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 2021-11-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my checking account without providing me a notification of account closure to date ( Account closed on : XX/XX/2021 ). Upon multiple hours of following up with customer service ( Operating Loss Prevention Department ) I was told that the reason of closure was due to three checks I deposited from payee which happens to be my new employer ( one of the most reputed management consulting firm ) and these checks were my salary checks. 

Not only did Chase close they account, they also cancelled the debit card associated with it and withheld the checks which has caused me great financial strain, overdue notices from credit card with autodebit from this checking account and possible negative credit bureau reporting. 

I understand that Chase is protected by having the right for closing accounts, I feel my case does not qualify for a " suspicion behavior '' given my long good standing with Chase. 

My hardship continues due to this blatant exercising of rights by Chase : - I am told to follow up with Chase to have theses checks cleared rather than them proactively taking necessary actions - I am told that it will take ~6 additional business days for my funds to be credit back- I will have to open new checking account and notify all connected parties - I am not given any apology/compensation by Chase This all sounds like a consumer abuse rather than fraud prevention. 
Hope legislators / consumer agencies take notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 
By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.

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 2023-09-19
Company: MOHELA
State: AL
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 opted out of the XXXX forbearance program when my loan was with XXXX XXXX. when Mohela took over my student loans they put me into the forbearance. I contacted them and they told me I had to recertify my ibr program to get out of the forbearance. I didn't feel like that was fair but I went ahead and I recertified for the XXXX. this did take my loan out of forbearance. I don't know for how long because the next time I checked, it was in forbearance again. I call customer service again they tried to tell me I had to recertify again I told them I would not and I did not have to because I had already recertified and I opted out of the XXXX forbearance. they got rude with me and said that " well most people do the forbearance '' and I told them I didn't care what most people did I opted out I wanted my loans immediately taken forbearance and put into the repayment because my ibr repayment is {$0.00}. I got a notice yesterday that due to the forbearance program that they put me in against my will against my wishes that I now have to pay them XXXX by XX/XX/XXXX. I am beyond fed up with this as I continue to try to take care of this even though it's not anything that I did wrong. I did all the proper steps. I opted out of the forbearance program. I've recertified my ibr. I have taken care of this student loan for more than 10 years without a problem until I experienced the servicer Mohela. I need them to correct my loan by back dating taking off that forbearance. correct every month for that XXXX that I should have been counted for XXXX and not in forbearance and get rid of the {$7000.00} payment that I have no idea what it's even for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was never able to use this card one time. It has a block on it for 3 months. The bank requested I send them a copy of my driver 's license. I already did that 4 times via fax and postal mail. They still did not remove the block and i already had to pay {$76.00} in fees and can not use this card. It is called Indigo Mastercard issued by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I looked at my credit report on XX/XX/XXXX  and still noticed XXXX is Reporting Inaccurate Personal Information. I sent a letter on XXXX. I am telling them to update and delete my incorrect personal information.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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