BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: FL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, 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:
.Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX Partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be last on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I sent multiple letters to Equifax and they continue to overlook or ignore my request to correct the false reporting of late payments, inquires and accounts such as : Violation Of Right To Privacy Effected By Data Breached without getting full disclosure there was one. 

Accounts : XXXX XXXX - All Payments were on time and it show 1 late payment XXXX - Is Paid Off and needs to be removed - ( XXXX has resolved this issue ) XXXXXXXX XXXX Is a third party collections agency and I do not have any contract with them. ( Needs To Be Remove ) Bankruptcy - The US Bankruptcy Curt Does Not Report To The Credit Companies and should be removed I do not have a firm offer of credit with any of these companies - Inquires need to be removed XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Debt Recovery Solutions LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor XXXX. I never opened an account with XXXX or apply for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted XXXX XXXX to commence services with them and was told that my monthly bill for two years would be around {$55.00} per month. At the end of the first year, I received word that it would be doubling. When I called to inquire about it, one of the " customer service representatives '' told me not to worry about it, but she would lock in the first year 's amount for the second year. This did not happen. I tried multiple times to work with XXXX XXXX, but to no good end. So, I cancelled my service and I was told that I had to pay them several hundred dollars for the remainder of the contract. I told them I would continue to pay my monthly bill until it was paid in full and throughout the remainder of the contract. They told me they would turn my bill over to a debt collector. Today, I received the attached document in the mail from Credence. I tried to tell the gentleman that I would continue to pay on the bill until it was paid in full. He said, " We don't have that much time. '' I am able to pay them {$44.00} for the next four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: VA
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 am writing to file a formal complaint against Equifax regarding XXXX XXXX, a creditor who has reported late payments on my account. I am deeply dissatisfied with the conduct of XXXX XXXX in regards to their reporting and handling of my account, and I believe their actions have violated several laws and regulations. 
On XX/XX/XXXX, I sent a letter via certified mail ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX, expressing my strong dissatisfaction with the late payments reporting on my XXXX XXXX XXXX for XXXX and XXXX of XXXX and XXXX to XX/XX/XXXX. These late payments are in direct violation of 15 U.S. Code 1666b - Timing of payments, which clearly states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure timely delivery of periodic statements. 
I understand that Equifax must comply with the Fair Credit Reporting Act ( FCRA ) and maintain accurate and up-to-date information in my credit report. Therefore, in the same letter, I also urged Equifax to rectify the errors in my credit report caused by these late payments. The letter was sent to Equifax CEO XXXX XXXX ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) and Equifax XXXX XXXX XXXX XXXX, GA XXXX. Furthermore, I want to emphasize that the original contract, which identified XXXX XXXX  XXXX as the creditor, was rescinded on XX/XX/XXXX. Therefore, any reporting or actions taken by XXXX XXXX pertaining to my account after that date are invalid and should not have occurred. 
Additionally, on XX/XX/XXXX, I sent a letter to XXXX XXXX ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) invoking my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and The Privacy Act of 1974. In that letter, I explicitly requested that my personal information not be shared with any third parties, including XXXX, XXXX, XXXX, Equifax, XXXX, XXXX, or XXXX. 
I am deeply concerned about the unauthorized sharing of my personal information by XXXX XXXX, which may result in potential privacy breaches and compromise the security of my personal data. I expect XXXX XXXX to respect my rights and refrain from sharing my personal information with any third parties without my explicit consent.Given the seriousness of these violations, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate my complaint against XXXX XXXX  and take appropriate action to ensure my rights are protected. I believe XXXX XXXX should be held accountable for their actions, and the necessary steps should be taken to rectify the errors in my credit report and prevent further unauthorized sharing of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Synovus Bank
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: Account status incorrect

Complaint:
Hello, I made these payments on time, and the company changed the due dates on the card without notifying me. This is a tactic this company continues to use, In order to receive fees. I have reached out several times and asked them to clear up the situation, and they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Tate and Kirlin Assoc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spoken with someone from Tate & Kirlin who have purchased a debt ilegally. According to 15 USC 1692g they can not sell a debt and no one can purchase a debt and come after you for it. They have violated my rights by buying and selling my information. I have not sign any agreements or enter any contract with this company nor did i give them any of my personal information. I would like a cease and desist on all forms of contact from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: AES/PHEAA
State: OH
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:
Disputed all three bureaus in the last three months and creditors did not correct.

Loan default and anything that has a negative impact that resulted from the default is not allowed to be reported for loans in fresh start program. XXXX XXXX now has the loan and has corrected their history. This loan was in default with this lender since 2016.this issue cost us 3 months of not being able to replace our dead car. I will be filing through her or small claims to be made wbole by fedloab and the bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NV
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:
On my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a current complaint with Wells Fargo. On XXXX the auto loan department took all of my money from my accounts. 
I had requested a payoff amount and they paid off the car. There wasnt that much money in the account. Now Im out of money and in the negative for over {$10000.00}.

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 2023-10-31
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
My son was diagnosed with XXXX and I had to re-route my resources to pay for his treatment and was unable to also pay the mortgage. I submitted a complete loss mitigation package. The denial letter states that my loss mitigation was denied for certain programs due to submitting a complete package. I don't understand why these lenders do not provide easily understood reasons for denials, as seen below. I don't think the CFPB wanted applicants to be denied loss mitigation due to complete package submission. Also, the application was denied on XX/XX/, the letter went out to me on XX/XX/ as verified on the attached picture of the envelope, and received by me on XX/XX/. This took away a complete week from my ability to respond because the lender said the appeal needed to be received by XX/XX/. If you look at the letter, it says that the appeal must be received in the mail or by fax. When I went to fax the letter, the fax number does not work, as you can see in the emails received regarding the chat with my fax provider showing that Loan Depot 's fax number does not work despite Loan Depot requesting the appeal be sent by fax. I am also sending a screenshot of the fax attempts. I called Loan Depot and was told to email the appeal letter, despite that process not being provided as an option in Loan Depot 's denial letter. It seems that Loan Depot is deliberately trying to deny me a loan modification. I am a Veteran and currently in the reserves. I can pay for a loan modification. Please review to see if the lender is complying with the CFPB 's rules for loss mitigation procedures. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Good evening, I'm writing you for the following and not understanding why you placed an account limitation on my account as this is unacceptable to me. I use my PayPal debit card to make purchases as well as sending and receiving money to other buyers/sellers as well as transfers to and from my bank account. Just today you put an account limitation on my account and froze the balance of {$15.00} of my money for 180 days and you couldn't give me a reason for this, which is unacceptable you are not a bank. I would like corporate to step in if at all possible and come up with a resolution to removing the account limitations you set forth on my account, so I can continue using my PayPal account in good faith. 

I look forward to a response from your team, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE ACCOUNTS OR INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: SC
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:
Experian keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Experian has " validated '' it after each dispute, and i have disputed three times. But they have yet to show me how it is my collection, how it belongs to me, etc. I have disputed this account three times. This is not my account, i dont know who it belongs to. The creditor has never reached out to me. It is medical and under {$500.00} and just showed up in XX/XX/2022. They are incorrectly, and knowingly improperly reporting a collection 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 non-monetary relief
Consumer complaint received 2019-11-11
Company: Experian Information Solutions 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 have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.

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 2022-10-27
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a account wiith fortiva and i did not give fortiva consent to share my information and they are reporting it on my credit report they have violated Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
XXXX XXXX and Loan Depot assured all parties that the loan for the property in question had been fully approved without any further conditions, Under the agreement with the seller agent and the builder, the closing date was established and confirmed by XXXX XXXX  and Loan Depot, XXXX XXXX XXXX then requested an extent of closing date, stated Loan Depot needed more time to finish loan process due to the fact they had not received the survey and the Appraisal came in lower than the asking price, the seller agreed to extend, Right before the closing date I received a email asking me for additional documents which I submitted before the closing date, also was informed by the Loan Depot that this loan was conditional, after being reassured that there were nothing else needed before the closing date, I contactacted the XXXX XXXXr by phone with no call back on Friday XX/XX/2023, did not get a response or call back, on Monday XX/XX/XXXX I received a text from my agent stating the Seller had put his house back on market, due to the fact Loan depot and XXXX XXXX XXXX  informed them they still needed additional documents from Buyer, The Agent stated that loan Depot had assured them I had meet all conditions prior to closing and the closing date was firm, I believe this to be deceptive and misleading practice on behalf of XXXX XXXX XXXX XXXX XXXX  and loan depot, it cost me Time and money I paid {$650.00} for and appraisal and also I put up Earnest Money, The Seller has requested the termination of agreement due to this, XXXX XXXX XXXX XXXX on file # XXXX, Contact # XXXX, I have also requested a Denial Letter from Home Depot, have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: AR
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:
On XXXX I contacted EXPERIAN via certified mail with USPS tracking Number XXXX ( received on XXXX ) REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED EXPERIAN SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A TW0-DIGIT CODING VERIFICATION SYSTEM. 

EXPERIAN FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO EXPERIAN.

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