BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 Report XXXX I recieved results from a dispute of an item placed on my report from I.C . System Inc sharing that the company did not have a collection agency lisence in Georgia or Illinois and could not report any debt to my credit report.I also did not give written consent for this debt to be reported on my credit report. I asked them to research and provided the proof from XXXX consumer access. Experian only updated the account by increasing the owed balance, with no research or proof of research done regarding the collection agency license or written consent to report according to 15 USC 1681 Section 604 A Section 2 and 15 USC 1681 B permissible purpose. 

On XX/XX/XXXX, I disputed again Report XXXX : asking for proof of lisence of collection agency and again it was never provided or researched as the XXXX  Consumer Access clearly shows they do not have a collection agency license in Georgia or Illinois . They allowed XXXX XXXX XXXX to update the account again by increasing the debt by {$5.00} thus harming my credit. 

I am asking that Experian provide proof of research, remove from credit report, and pay me for damages to my 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 2023-05-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a collection on my credit report that I reported as fraud in XXXX and yes its still on my credit report from XXXXXXXX XXXX for {$5000.00}, I have been fighting this for years, I filed a fraud report with the police department, nothing was done, XXXXXXXX XXXX is reporting on my credit report numerous times and thats incorrect, XXXX XXXX  is incorrect, XXXX XXXX fraud -- XX/XX/XXXX, XXXXXXXX XXXX  fraud -- XX/XX/XXXX all these accounts should not be on my credit report, they are incorrect and destroying my life, please remove XXXX XXXX from my credit report, Been fighting this since XXXX, these accounts are keeping me from living a normal life.

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 2022-02-24
Company: The Hallstrom Law Firm PLLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received dispute results on XX/XX/2022 about this alleged account. This company has never contacted me in writing regarding an alleged debt. Furthermore, this company has not provided me with the following : 1 ) A signed contract for debt from the alleged original creditor, nor 2 ) Any and all signed sale/assignment contracts regarding the alleged account from the alleged original creditor to the buyer/assignee ( Hallstrom Law Firm ) ; more specifically, I wish to see just how much was paid from the unspecified alleged original creditor. Per FDCPA. 15 U.S.C. 1692g ( b ), I request validation ( and production ) of all of the records as specified above. In addition to my aforementioned request, I request that there by no contact with neither me, per 15 U.S.C. 1692 ( c ) ; any possible family/associates that may be known to me, see 15 U.S.C. 1692 ( c ) ( b ), nor any known or perceived place ( s ) of employment, see 15 U.S.C. 1692c ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt which is not mine nor did I agree to for {$270.00} was placed on my credit profile in XX/XX/2023. The original creditor is XXXX. 
The current debt collector name is Waypoint Resource Group. I contacted both XXXX, XXXX to inform both credit bureaus the debt is not mine. Several months prior, this same account was held by a collection agency called XXXX. I disputed the same account held by XXXX ; and it was removed from my credit profiles. Now, it has been resold to Waypoint Resource Group and placed back on my credit files. First of all, this is not my debt, I have not nor have I ever lived at the address the where the account is billed from. I have sent letters requesting XXXX and XXXX to show me proof of a contract such as my signature. They have refused to provide me with proof that I requested, and they sent me a letter stating the debt is accurate.

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 2023-07-26
Company: Total Card, 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX. I asked XXXX for a human review of the late credit card payments placed in my credit file from companies : Total Card XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want Total ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with XXXX XXXX and XXXX. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to XXXX on XX/XX/2023. After 30 days I did NOT receive communications from XXXX regarding my written request. On XX/XX/2023, I mailed second notices to XXXX via certified mail. I requested XXXX to show me written proof of their manual human investigation Total, and XXXX XXXX XXXX credit cards. On XX/XX/2023 XXXX notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my XXXX account online. Unfortunately, XXXX did not complete a manual investigation. XXXX did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: MOHELA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Loans transferred from XXXX to MOHELA. I qualify for PSLF and submitted for forgiveness under my waiver originally to fedloanand now it is with MOHELA. I have talked to two representatives, the first telling me that I should see an account update in 10 days, that was in XX/XX/2022. Then I got a motivation that I would have an update in mid to late XXXX without an update. I am missing counts from XXXX. I have submitted nimeroues account messages which are supposed to have a 3 business day response without response. I have been on hold for the ombudsman for hours without them answering. I have faxed a formal letter per the online instructions several weeks ago. I have filed 2 complaints with Dept of Ed ombudsman, who were supposed to call back but never did. Not sure how I can resolve this issue since no one responds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Recovery Management Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Three times I have received a call from Recovery Management Solution about a debt that I have, I have explained why at the moment I cant pay, and that I am working on solving the issue but they continue to say they are going to freeze my bank account, that I will be seen as a XXXX  if they file a civil case, that I will have to way to support my kids because I will be a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TD BANK US HOLDING COMPANY
State: GA
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:
3rd request Target received a check and cashed it. Someone tell me where the funds are. When I call Target will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress.

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check.

Where is my money.

Why are you reporting charge offs after it was paid. Per XXXXn the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK TARGET TO REIMBURSE LEGAL FEES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I believe this company is reporting incorrect and incomplete information on my 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 2018-08-30
Company: NRA Group, LLC
State: PA
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:
National Recovery Agency was reporting two debts on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the three major credit agencies and while one of the accounts were deleted as a duplicate, the other remains because National Recovery Agency certified it as mine. I then sent National Recovery Agency ( the furnisher ) a direct dispute via certified mail according to my rights under FCRA and CFR 660.4 but never received a response. The letter was signed for by XXXX XXXX XXXX according to my proof of receipt ( see Attached ).  This negative account is impacting my credit and interest rates and is not a good representation of my credit-worthiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
The Capital One Auto Finance account with the account number XXXX was marked as Charge-off with an identified balance of {$15000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Their investigation did not fix an error on your report

Complaint:
I have contact the credit Beau three times filed disputes concerning my credit report not being current are updated in three are so years and bc of this I have over XXXX hard inquiries from being denied housing car leases they are continuely reporting my student loans late although I have called the department of education and verified that they are not and hasn't been in years this has caused me to be homeless and without means of transportation for almost 3yrs now they show on my report that my report has not been updated since XXXX but it's actually 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
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have 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 2023-02-12
Company: Ocwen Financial Corporation
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX PHH mortgage server as a agent for XXXX XXXX XXXX XXXX fraudulently and wrongfully foreclose on my property. These company has be deceiving me and my now decease mom into thinking that PHH mortgager was the servicer and XXXX XXXX XXXX XXXX AS TRUSTEE for the XXXX XXXX in which they hold no such title or claims to the property and I have the proof to support my claims. On XX/XX/1999 my now decease mom gave XXXX XXXX XXXX a Security Instrument ( Note ) XXXX. On XXXX XXXX the mortgage was then assigned to XXXX XXXX as Trustee for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XXXX XXXX, the mortgage was then assigned by XXXX XXXX XXXX, LP as Attorney -in-Fact for the XXXX XXXX Bank XXXX XXXX for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX as Trustee. All trust my be filed with the SEC which one can not be found. XXXXXXXX XXXX  must prove that it has possession of both the promissory note and the mortgage and proof of chain with proper endorsement and assignment in which it has not. I have requested proof from the loan server and there respond was they PHH Mortgage was not involved in the origination and they can not comment

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 2023-08-15
Company: ENCORE CAPITAL GROUP 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 have two accounts on my credit report from Midland Credit Management attempting to collect debts from two different credit card companies, XXXX XXXX and XXXX  which I have no clue if they're actually mine. I read on the CFPB website that I can ask the companies to validate the date and by Federal Law they would have to respond to within 30 days with documentation and answers to my questions to prove the debt belongs to me. I used a template letter from the CFPB website and sent a letter XX/XX/2023 for each debt to Midland Credit Management asking them to validate the debts and respond within 30 Days, I did not get a response. So, after 45 days, I looked at my credit report and they were still reporting the two collection accounts! Then on XX/XX/2023 I sent another letter for each debt to Midland Credit Management asking why they didn't respond and informing them that the Federal Law clearly states they can not report a disputed debt if they can not validate it and included the fines associated with these violations. In the letters I asked them to delete the accounts within 10 days, to only contact me to confirm they deleted the accounts, and to close the accounts on their end. I again waited 45 Days to check my credit report and the accounts were still being reported! So, I decided to send one more letter on XX/XX/2023 letting them know they were in violation of the Federal Law and they've had plenty of time to investigate and get some confirmation or documentation that they could send to prove these debts belong to me. My thoughts are they're stalling and just hoping that I'll go away so they don't have to remove the debts from my credit report and they'll try to collect them at a later date. I told them the accounts MUST BE DELETED and they could not collect the debt, report the debt, or sell the debt which is what I've read is what these companies do. I also let them know that I was going to file a complaint with the CFPB or XXXX XXXX XXXXl or consult with an attorney if they continued to violate my rights! I thought that would get their attention and they would finally comply with the Federal Law and remove the debts from my credit report. However, after another 45 days I checked my credit report and they're still reporting! This is why I'm filing a complaint against Midland Credit Management because they are willfully and purposely violating my rights and the Federal Law by not responding to my requests for validation, not validating the accounts at all, and continuing to report the accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
MERCEDES BENZ FINANCIAL is in violation of privacy act 1974, I didnt give MERCEDES BENZ FINANCIAL Consent to report my personal information I also dont remember doing any business with this company please remove this from my report immediately, do to MERCEDES BENZ FINANCIAL violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave Mas Financial the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have wells fargo bank, they have repeatedly said i've had more money in my account than i have. then they have charged me numerous over draft fees for my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mortgage was not " foreclosure '' but was given back in chapter XXXX bankruptcy. XXXX XXXX Loans continues to purposely misreport as " foreclosure '' when they know it was included in bk. BK is over XXXX years old and XXXX can not report negative info in any fields on credit report. Fix this immediately or I will see you in court. Chapter XXXX bankruptcy was discharged XX/XX/XXXX case # XXXX Original mortgage was with XXXX and was filed as such in bk. XXXX purchased the loan several years AFTER the home was given back to XXXX under the protection of bankruptcy courts. I offered to reaffirm the loan however the courts did NOT approve the reaffirmation. Therefore it was NOT a foreclosure and WAS and IS protected under the federal bk courts which you are knowingly and willfully disregarding thus violating 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