BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Bread Financial Holdings, 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:
I filed claims against XXXX and XXXX over 33 days ago with CFPB regarding a fraudulent account on my report. I have been trying to work with both the creditor and the credit bureaus to have this account removed from my credit report. I also mailed in a letter to the creditor asking for documentation showing my signature or consent to open this account under my information over 43 days ago which I HAVE NOT RECIEVED. This creditor has failed to provide me with supporting documentation verifying the debt and ownership documentation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This account was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent and collection agencies must! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 


XX/XX/2023 XXXX CFPB Claim # XXXX XXXX CFPB Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: IA
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 have no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX and Equifax to reinvestigate this account : XXXX  XXXX XXXX  - However, Theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete account 's if it they are not reporting accurately. Also. 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. Lastly, this account isn't in compliance with metro 2 credit reporting. I have evidence to prove my case. If your company doesnt honor my request to remove the above-mentioned alleged account, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX  Balance {$720.00} ; XXXX XXXX XXXX XXXX on XX/XX/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 2021-04-02
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI MIDLAND ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX 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 2021-12-23
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I contacted the Department of Education looking for loan documentation on XXXX Educational services/XXXX XXXX i was given the number to Navient. I have had several complaints to the CFPB. The last complaint I was sent loan document issued from XXXX educational services I believe XX/XX/XXXX I asked for proof of disbursement in the complaint that were not sent. Through Navient I was sent to XXXX another one of Navient 's companies. XXXX sent documentation of an investigation done by the ombudsman with the Department of Education indicating a transaction history of 1. a reimbursement by the Department XX/XX/XXXX, XXXX.and that would include disbursements ( canceled checks ) in proof tht loans existed. 
When I spoke with Navient in XX/XX/XXXX they said that I did not have federal loans I had private. Spoke with the private loan department and XXXX XXXX loans were on their system. So why is Navient looking at the NSLDS which are federal loans data system with those loans as private on their system.and why haven't they corrected the issue. I have two loans that were with National Education now with Navient why Navient? Because Navient services XXXX XXXX? XXXXXXXX XXXX loans. 
Now I asked for a total and permanent disability discharge that was processed through MInnesota life claims department I don't believe those loans are even owed they were canceled same as XXXX XXXX. Please note the corresposndence by XXXX ( Navient )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Mission Financial Services Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received any notice or option to pay off debt. Account was closed as charged off and never was presented option to pay off and now this is showing on my credit report negatively and holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 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 2023-06-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
MY MONTHLY MORTGAGE PAYMENTS TO XXXXXXXX XXXX IS SENT BY BY BANK XXXX XXXX. THESE PAYMENTS ARE SENT ON TIME FOR CREDIT IN THE MONTH IT IS DUE. I RECEIVE AN EMAIL FROM THE BANK THAT MY PAYMENTS FOR XXXX, XXXX AND XXXX, 2023 BEFORE THE END OF THE CURRENT MONTH. 
AS A RESULT I DISPUTE THAT I WAS LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-04-03
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX paid XXXX XXXX with Obscurity Intensive Facilitaion through XXXX through Navy Federal Account Checking # XXXX for {$900.00} for three day coaching services course. 
XX/XX/XXXX cleared Navy Federal Credit Union. 
XXXX on XX/XX/XXXX and still incompacitated unable to work. 

Initial communication with Navy Federal regarding refund and Navy Federal Advised to request refund through XXXX. 

XXXX XXXX reschedule session in XXXX to another date. 

Requested refund to XXXX XXXX on XX/XX/XXXX after a berrage of words from XXXX. 

XXXX XXXX, XXXX XXXX XXXX had Conversation with XXXX. XXXX XXXX emailed XXXX Letter on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX recommended not to engage in any session with XXXX. Letter with professional recommendation was emailed to XXXX XXXX requesting refund on XX/XX/XXXX. 


XXXX XXXX provided no services. 

Contacted XXXX through Consumer Finance Gov and XXXX stated that Navy Federal is responsible. 

Request {$900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Complete Credit Solutions, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complete Credit Solutions reported to XXXX, and XXXX a debt of {$1200.00} is owed by me. I don't owed the debt. Complete Credit Solutions failed to contact me in regards to the alleged debt prior to putting it on my credit file. It failed to follow the guidelines outlined in the Fair Credit reporting act. As such, it is requested that the item is deleted from my credit files.

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 2021-04-02
Company: EQUIFAX, INC.
State: AZ
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:
Equifax has my date of birth wrong. I have sent in copies of my Driver 's license, SS card, passport, utility bill, via certified mail 3 times and once via regular mail I have been asked a 5th time to send in my DL. I can not do anything online as my DoB is wrong- I do not match. i have also requested where did they get this wrong information and why not corrected? no answer no correction, just a 5th request for DL. 
XX/XX/XXXX letter on error and copy of all documents requested. 
XX/XX/XXXX certified mail to equifax on errors and all requested documents XX/XX/XXXX certified mail to equifax on errors and all requested documents. 
XX/XX/XXXX certified mail to equifax on errors and a 4th copy of my DL and SS card XX/XX/XXXX A letter from equifax stating that results of their investigation to send in a copy of my DL to correct my DoB. I have proof that all 3 certified letters were received. 
I have no response as to where this misinformation or how determined as I requested. 
XXXX  & XXXX have all information correct. Only Equifax will not delete/ correct wrong information as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
-XXXX  XXXX XXXX : Client in forbearance with XXXX due to Covid-19 hardship. 
XXXX XXXX : Client made a mortgage payment but it was returned, & his file was sent to Loss Mitigation , which asked client to submit paperwork. 
-XXXX. XXXX : Client completed & submitted a loan modification application. 
-XXXX XXXX : Loan modification was denied, no other workout options provided, and payment of past due of about $ XXXX demanded. 
XXXX XXXX, XXXX : Client received a Notification of Assignment/Transfer letter from XXXX XXXX XXXX XXXX XXXX stating that effective XX/XX/XXXX, XXXX was going to be transferring loan to new servicer Selene Finance LP as of XX/XX/XXXX. ( Also, client found out that XXXX XXXX  no longer is investor of his loan, when he tried to escalate this situation. ) -XXXX. XXXX : Client has never received a welcome letter or a statement from his new servicer Selene Finance LP . ( The only letter he received was for him to set up his bank account for automatic payments. ) -In XXXX client also applied and got a case manager from the Virginia XXXX  XXXX XXXX XXXX XXXX ) to help him with the rest of the past due amount to pay Selene XXXX and to bring him " current '' on his mortgage. 
-On XXXX XXXX, XXXX client called with a HUD Counselor & Selene accepted a payment of {$3200.00} ( 6 mos. ) & agreed that on XXXX they would accept {$530.00} monthly payment. ( He wanted to keep his past due payments under 20 months to be able to qualify for the VA Mortgage Assistance program. ) -XXXX. XXXX Client called, & Selene refused to accept payment & stated that Status was : " FORECLOSURE ''. Client has Never been Notified & was shocked! ( He was told, when he insisted, that it went into foreclosure on XX/XX/XXXX ; but no further explanation or letter has ever been provided to client. ) -The other problem is that the client has been requesting and must have A MORTGAGE STATEMENT from XXXX indicating the Past Due amounts so that the VA Mortgage Relief Fund can help him. ( Client is unable to access his online account to print one, as his account is " RESTRICTED '' due to the " Foreclosure Status '' on his account. ) -The client has been working with a HUD Counselor and they have called Selene and to try to get a mortgage statement emailed or mailed, but the representatives at SELENE have said they were not able to. When we asked to " Escalate '' to a supervisor, we've been put on HOLD & then the call gets disconnected.

-We feel we are stuck, and must ESCALATE this situation to the CFPB for HELP and to SAVE this client 's home!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Sub-product: Store credit 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:
1. Balance was paid in full in mid XXXX ( ~ {$140.00} ) XXXX. In XXXX we were sent a statement that says we had XXXX something dollars worth of credit in the card, XXXX. XX/XX/XXXX : They went into my bank account and withdrew {$45.00} ( an arrangement I had made with them prior to account being paid off ). This is despite the account being paid off. 
XXXX. XX/XX/XXXX : They went into our account and deposited the {$45.00} they withdrew on XX/XX/XXXX ( again, because the account was paid off ). 
XXXX. From that point on, they started charging us for checks bouncing from our bank account. Obviously nothing bounced since : ( a ) account was paid off so they were not supposed to withdraw any money, ( b ) they went into the account and actually withdrew the money successfully and deposited back in. 
XXXX. For the past month my husband has spoken to six customer representatives and escalated this twice and no one was able to help. Plus, they even charged us now for being late on bogus charges despite the account being paid off since XXXX. Every time my husband calls they want me on the phone to approve despite authorizing my husband on account ( even to take off the bogus extra 'late ' fees we are being charged ). 
XXXX. I tried to reach out to IKEA on social media to escalate and no luck.

Company response to consumer: Closed with monetary relief