BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This fall my husband and I were applying for a business loan and we found 3 collections notices on my credit account. 1 for XXXX, 1 for XXXX, and one for a XXXX account XXXX They all 3 were started/applied for in XXXX XXXX  XXXX I have not resided in or been to this area of the US. I am from XXXX XXXX and have lived in XXXX  since XX/XX/XXXX. None of these are mine. We called our attorney XXXX XXXX and he helped us file fraud claims and a police report here in XXXX. We attempted to file a police report in XXXX XXXX  but the officers there would not take the report and referred us to XXXX  due to that being where we live. Police report number ( XXXX XXXX  Police Case # XXXX ) - Photo attached. The XXXX and XXXX accounts were quickly removed and resolved. 

Portfolio recovery has been challenging. We have called multiple times to try to get a fraud claim filed in XX/XX/XXXX. After several tries and agents we believe a fraud claim was filed. We waited a month and received a letter from XXXX XXXX asking to confirm the fraud claim. On XX/XX/XXXX we called XXXX XXXX, confirmed the claim. After the call we checked our credit only to see that PRS ( Portfolio Recovery Services ) had closed the file indicating resolution. No instance of fraud was indicated. I called shortly after seeing this and spoke with 3 very difficult and misdirecting employees, one was a supervisor who would not give her name. All three claim no fraud was filed and we would need to refile. Our XXXX XXXX letter indicated otherwise contradicting their assertion. I do not have confidence that PRS is interested or willing to follow through on this fraudulent claim for collections. We have clear evidence and documentation to show this is too. Our business is being adversely effected by their unwillingness to resolve this in a timely and effective manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AES have violated my right under the Family educational rights and privacy act of 1974 and the family educational and privacy right.20 U.S. CODE 1232G SECTION B. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents.

I have never gave AES permission. When a rep called me on XX/XX/XXXX they refused to talk to me about how they have violated my rights under federal law which I have a ( voice recording o ) f. They also Changed my name with the Credit reporting agencies such as XXXX who told me that AES are the ones who changed my name. The name they have given me is XXXX XXXX XXXX That has never been my name. I don't have a middle name. This is a deformation of charter as well as the my right to privacy UNDER. 6802. Obligations with respect to disclosures of personal information. In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I Also have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. FCRA SECTION 623 AND REGULATION states " that furnisher must not furnish inaccurate consumer information They broke that law when they changed and reported my name as XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am applying to start my life over again and I am being haunted by misinformation on my credit report in the public information section. In 2011 my bankruptcy was finalized and though the dates and account # s remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been 11+ years and most of those accounts have not been touched for 15 plus years. Please ask XXXX, TransUnion XXXX  XXXX to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the public records section and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer 11 years over Chapter XXXX! please! Please in Jesus ' name remove it please. Let me buy my house and, move on with my life. My children need a home.

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 2022-02-23
Company: EQUIFAX, 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:
XXXX XXXXXXXX is reporting inaccurate information to consumer reporting agencies that is causing harm to my credit and a violation of my privacy. I am also not being allowed to use my open end credit card. Pursuant to 15 USC 1681, report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. In addition, Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has caused me financial harm and violating my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions 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:
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 2023-05-13
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: Personal information incorrect

Complaint:
Upon reviewing my consumer report, I observed the presence of erroneous information that does not pertain to me. I am completely unaware of the source of this 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-23
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. 
PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX emailed to me the closing contract from Traid. The closing date was XX/XX/XXXX. The contract was signed and delivered to XXXX XXXX XXXX XXXX XXXX by XXXX XXXX of XXXX Fl. However, on XX/XX/XXXX, I received an email from XXXX at XXXX XXXX notifying me that Triad was not honoring the contract because they wanted the home to be my primary. I have an email from XXXX, XXXX showing that I would be keeping my primary home in XXXX XXXX, FL. This has caused a lot of stress and XXXX to me with them back out of the process this late, after the closing date. I have spent a lot of money on down payment, clearing the property, having dirt brought in, septic tank installed, permits, labor, and attorney fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: MI
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:
A request was submitted to Equifax credit reporting agency to resolved a disputed item in the credit report, item XXXX for an alleged debt involving alleged creditor XXXX. A dispute and request for investigation for removal was mailed to Equifax on or about XX/XX/XXXX for myself. I alleged that the alleged debt was non existent and could not be substantiated and thus was incorrectly reflected as a charged off account on my credit report and demanded the debts investigation and deletion. 

To this date, XX/XX/XXXX, Equifax has failed to investigate the claim or respond in any meaningful way. They have failed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Glass Mountain Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Glass Mountain Capital keeps calling me and hanging up. There is no response when I pick up the line. I suspect this is about someone named XXXX XXXX whom I have zero affiliation with. I have owned this telephone number for over 20 years and so not understand why I keep getting this harassment from multiple debt collection agencies no matter how many times I have told them that whoever this person is has not had this telephone number since the 1990 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
XXXX, Equifax, XXXX. Did not provide an accuracy proof of debt that I owe for a bad credit rating and reporting derogatory. When I ask for proof they said they have 100 % accuracy system that gives them the burden of proof. This was said to me over the phone. By all 3 bureaus, Please keep in mind they started my dispute & ended it within 3 days. I was told the system determines an accuracy decision. I am waiting on the accuracy proof of debt owed from all of the Corporation that say that I owe a debt when all debts are paid. It's been a year & all 3 bureaus have failed to show proof of debt I owe with my signature. They don't have any proof because there were no debt to began with : If the 3 Bureaus can't or refuse to show accuracy with written proof of the investigation of a decision that was made by the them for the Corporations : Then all negative reporting on my, we, us credit report needs to be removed. IMMEDIATELY! 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Mercedes Benz Financial Services
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a car loan of XXXX purchase price with interst rate of 11.99 % upon making my first payment this month i found incorrect amount in interest rate. I am supposed to pay monthly payment of {$1200.00} total where 11.99 % ( {$140.00} ) goes to the interest and the rest of ( XXXX ) should goes to the principal so i should see on my account a balance of {$68000.00}. Instead of that i have seen that the {$1200.00} payment {$950.00} went to the interest and {$270.00} to my principal and it shows a balance of {$69000.00} which is incorrect and that was not the interest of XXXX that we agree. It is an amount that they put in there and morover on the statement it didnt even shows the amount of the interest rate. I have the prove. I call mercedez finance dept and they told me to contact your dealer so he has to rectify because they were only doing what they got on paper they also told me to file a complain against the dealer. I went to the dealer and sit with the finance rep and seems nervous when i told him the situation he was trying to justify himself by saying the more you pay the intdrest rate will go down. I ask him the question that the contract interest rate was 11.99 % not down no up. And i ask him to call mercedez finance while we are together they should have that call registred a lady picked up and she stated assissting us and when i ask her what is the loan amount that i am paying she stated corect {$69000.00} and then i asked interest rate on the acoount she said XXXX $ then i asked her to do the math and give us the amount in dollar for that as it is wrong on the account she is hold while calculating then she hang up on us. For that reason i am filing a complaint and i have their voice registred. I stated that if they didnt correct that they can take their car back and never hurt my credit score of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
Dear Equifax : After reviewing your response to my dispute letter of charge-off account. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
3. .Unacceptable How can you say its verified when theres a lot of information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX  attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant.

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company.

I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: General Motors Financial Company, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
The XXXX has not worked since XXXX of this year and has been parked. I had kept up with the overall maintenance and I didnt understand why. 
I was advised to take it to the dealership as the XXXX engine was under recall. 
After contacting XXXX Consumer affairs Reference no # XXXX  XXXX The engine is under recall and quality to be fixed. 
Understanding that to be true I took the car to the XXXX dealer XX/XX/XXXX XX/XX/XXXX the dealer contacted me and said that although its engine failure that its not covered and it was then I contacted GM financial asking them to please take the car back during a conference call with my husband. XX/XX/XXXX GM agreed to take the car back and told me that it would show as a repo. The company left the car abandoned at the dealership after agreeing to take possession and is aggressively pursuing payment.

Company response to consumer: Closed with explanation