BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Duvera Billing Services, LLC
State: PA
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:
This company, DUVERA is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' DUVERA is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by DUVERA to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX XXXX XXXX  XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If DUVERA has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

DUVERA is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports.

I WILL FORWARD THIS LETTER TO ATTORNEY GENERAL, XXXX  AND IRS. I INTEND TO TAKE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: AES/PHEAA
State: TX
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:
I took these private student loans out from American Education Services at the age of XXXX. I did not fully understand what type of jail sentence I was signing up for. I have paid back more than what I borrowed. The interest ; however, is killing me. I have tried to call and have my payments lowered and have been told that I have used all of my options. These student loans are private, so even though I would qualify for student loan forgiveness - that is not an option. There are no options for help with my {$750.00} payment. I am drowning. I can't even die and it be okay because I had family members that were kind enough to co-sign for me. If I die, they will be straddled by this insurmountable debt. It should be illegal to take advantage of young students like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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:
I am writing to dispute a medical education loan that has been reported on my credit report. I took out this loan from XXXX ( with account XXXX ) to finance my medical education, with the understanding that repayment would not begin until after my graduation. 

However, despite my graduation being scheduled for XX/XX/2023, I have received notices from the lender that my loan is due and past due. Furthermore, the lender has reported the debt to credit reporting agencies, which has had a negative impact on my credit score. 

I have attempted to resolve this issue with the lender, but I have not received a satisfactory response. I believe that this is a violation of the terms of the loan agreement and that the lender is in breach of contract. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and conduct an investigation into the actions of XXXX. I am seeking a resolution that will remove this debt from my credit report and prevent any further negative impact on my credit score. 

If you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: GA
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:
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 2023-06-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX XXXX XXXX I submitted request to checksystems informing them I was a victim of Identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a continuation of complaint XXXX. Capital One 's response says I ) did not write them until XX/XX/XXXX. In fact, after calling numerous times since XXXX when the fraud or unauthorized charge occurred, I wrote them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Capital One to say in their letter to you that they only received a response from me on XX/XX/XXXX, is a lie. It is preposterous. 

I can not believe how they can get away with this - how they do not honor their 0 fraud liability policy. In my case, they have reversed that policy, so they are 0 % responsible. 

I question why my other Capital One card ( a Spark business card ), which the " merchant '' did use scam, but since it has a lower credit limit than the other one on question, did not produce a satisfactory take for the " merchant '', why did Capital One Spark resolve the fraud and make me 0 % liable??? 

If you want documentation, I will send it at a later date, but I am very, very frustrated by this situation where people believe a bank that lies through its teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted twice from a dept collector with the number XXXX ( XXXX ) XXXX who claimed they were from a debt I had at checkngo in XXXX the first call in which the woman was very nasty and told me if I did not pay this debt a warrant will be served at my address and I would be arrested. Again she called XX/XX/XXXX and told me they have a lien on my vehicle and will be having a warrant served. I have not received any calls from them until XXXX. When I called back this person tried to deny the threats they made on the former calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to express my deep aggravation and dismay with the ongoing bogus accounts on my credit report. I've noticed that, in spite of my best efforts, there hasn't been a suitable resolution to this problem. My financial reputation is being harmed by this circumstance, but it is also seriously upsetting me emotionally. 
I want to emphasize that I take this matter very seriously, and I am prepared to escalate this issue through legal channels if necessary to protect my rights and ensure justice is served. I trust that your bureau will act swiftly and decisively to resolve this matter, as any further delay is unacceptable. 
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 2023-06-27
Company: EAST WEST BANK
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with East West Bank regarding financial transactions that caused me significant financial and psychological harm. 
The acct number that I've submitted is for my XXXX XXXX  acct from which the money was transferred to East West Bank. 

Please see the attached PDF file containing all relevant documents and evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: TX
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: Received unwanted marketing or advertising

Complaint:
Equifax, spam from agent purporting to represent Equifax, consequently no purpose in contacting Equifax. From Company that solicited me to check my score for free : When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from XXXX, XXXX and Equifax Reports in one easy to read report go Right Here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Unsubscribe me from this mailing list Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, TX XXXX This is an email advertisement. To unsubscribe from our sponsor : click here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Cancelled an extended warranty on my Capital One auto loan. I have confirmed that the warranty company issued a refund to the dealership. The dealership has stated the funds were sent to Capital One. It has been over 60 days trying to resolve this issue in a timely manner. Capital One has failed to issue a credit to my auto loan for the cancellation of the extended warranty. Capital One has failed to respond to my complaint in a timely manner. Capital One has failed in posting the credit to my account in a timely manner. Capital One has failed in sending me updates concerning my complaint. I continue to pay daily interest on inaccurate principle balance because Capital One is delaying the posting of the large cancellation payment towards my auto loan. Capital One has failed to be prompt, reasonable, and accurate concerning the true balance of my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NC
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:
Experian has re-inserted confirmed fraudulent account into my report. In addition to re-insertion, they failed to notify me as required in 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 5.b.ii ). Within 5 business days of re-insertion. 

Item was removed from report upon delivery of police report and dispute filed in first week in XX/XX/2022. Updated report ( XXXX XXXX ) shows account removed as disputed. 

Upon checking my report XXXX XXXX, the account reappears without notification nor comments stating the account is a result of fraud. 

I am in violation of my FCRA Rights as well as a victim of a flawed investigation system by Experian. I also use their Identity works software as I am victim of the XXXX and XXXX XXXX breaches. Their systems are severely flawed and lack credibility and positive results.They 've successfully lowered my score more during the clean up process than the actual fraudsters.

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 2018-10-16
Company: ACIMA CREDIT, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
None of the choices before this, matched my complaint. I chose the closest fit. 

I got a mattress as a " lease '' with Acima credit. I was not able to pay off in 90 days, at which time, the lease more than doubled. I was never sent or given a truth-in-lending, just a generic paper showing that the mattress was {$600.00} and I paid down {$100.00}. 

I contacted Acima three different times upon finding out the amount of interest they charge and told them to pick up the mattress. They refused, saying they needed pictures of the mattress, which I am not equipped to do. I told them by email three times to come and get it. It is now showing on my credit report. 

I feel this company does not operate legally. The complaints on their XXXX  page and XXXX page are reflective of this, with almost all customers saying they did not receive appropriate paperwork. 

I would like this removed from my credit report ASAP. If they want the mattress, they can still come pick it up. I refuse to pay {$1700.00} for a {$600.00} mattress, that several payments were paid on before seeing the amount they charge in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I received and did a standard transfer of money that someone is paying me for photography in the amount of {$500.00}. It said it would take XXXX business days and est day of arrival was XX/XX/2022. On XXXXXXXX XXXX XXXX I noticed that it was still in pending status and no money had dropped. I called and spoke to the bank and was told nothing is coming through. I then called customer service of venmo and was told that it would drop later that night or in the morning. Because his vague response with no explanation I had my XXXX XXXXXXXX call in which he got a gentleman who told him that the funds were in fact held by a federal agency and that he would put in a request to the engineers to have the money release because it was past the day legally they could hold the money. He would not give anymore information. Then I called back later in the evening and spoke with another gentleman who told me that it was in fact a review by venmo, they had a glitch on XX/XX/2022 and that he didn't know when it would be released. Unsatisfied I asked to speak to a manager and that manager in fact told me that it was totally Venmo 's fault they had a issue and that the engineers were trying to find a fix. He said that the money would be released to my bank by XXXX or XXXX the following morning. Now my bank the way all transactions work with venmo is the moment they are released it comes into my bank as a pending status and doesn't release until the XXXX. So at XXXX today I called the bank there is no money in route they can see. I called back Venmo in which I spoke to a gentleman, XXXX and a supervisor XXXX XXXX They said that oh well yes it was a venmo issue and that the money was not released when they said. That as of today sometime the money will be released and I should get it by XXXX XXXX. That is {$500.00} that they are holding and the way the call ended was him saying " there is nothing we can do for you '' The below transaction was never done as it states by venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Stokes & Wolf, P.C.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Stokes & Wolf , P.C . mailed a collection notice to friend who resides at a different address dated XX/XX/2022. This is not consistent with the practice of not contacting parties who were not listed on the collection notice in an effort to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NJ
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 st
ates a consumer reporting agency can not furnish a account without my written instructions What certified documents were reviewed to conclude your investigation? 
Please provide me a complete copy of all the information that was transmitted to the data Furnisher as part of the investigation as required by the FCRA : who did you speak with? What was the date? How long was the conversation? what was their position? What number did call? what is the name of the employee that spoke directly to the creditor? What is the position of your employee that spoke to the creditor? 

According the the fair credit act 15 U.S.C. 1681g ] 609 ( a ) Every consumer reporting agency shall, upon request, subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer accurate information on their consumer report. Section 611 2b ; the consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 15 U.S.C. 1681 section. 617 1a states Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I have attached responses I received from the creditors proving that they have no Knowledge of these accounts The address these creditors have for me on file I never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This fraudulent reporting has caused me severe financial and emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
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:
My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. Carrington mortgage STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
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:
I recently submitted a request for an reinvestigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX : {$24000.00}, XXXX  XXXX Balance : {$22000.00}

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 2021-03-16
Company: Grain Technology, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX and and XXXX I withdrew {$220.00} and {$500.00} from My grain credit wallet I have made numerous payments since then.On XX/XX/XXXX Grain sent me a statement showing that after interest and payments made that I owe {$680.00} and my next payment was due on the XXXX of XXXX but they reported to credit bureaus that I owe XXXX and am using 178 % of my credit limit with them when I am only using closer to 91 % the app to make payments has also been down and they have tried to make updates but it keeps me in a loop so I cant even add my bank account to make payments

Company response to consumer: Closed with non-monetary relief