BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was placed into involuntary administrative forbearance for no apparent reason on XX/XX/23 I called that same day and they said they would process a request to take me out of forbearance in 3-5 business days. I waited this time and no action was taken. I called back and they said they couldnt give me a time frame for process to take effect. Called many more times all with XXXX min wait times, with no action being taken. I want to make my monthly payment on the SAVE plan to Take advantage of the interest subsidy but now I am just accruing XXXX XXXX XXXX of interest instead. MOHELA is fraudulent, inept, and should not be allowed to handle our loans. They are costing borrowers hard earned money because of their incompetence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 explanation
Consumer complaint received 2022-06-16
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello to whom it XXXX concern 1st they called from a number located in Missouri, then called again from number located in Baltimore then another number located in XXXX  Michigan. Company name is First Credit Services but when I answered the phone they guy used another name for the company. I feel as if its some fraudulent shady stuff going on with this company. I asked to speak to a supervisor on one call i answered the phone and it sounded like the same person on the phone just changed his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/ 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 explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Capital One : Opened : XXXX Balance : {$680.00} Capital One : Opened : XXXX Balance : {$490.00} Requested Photo I.D . and Signature For Contract But Company Refused To Provide. 
FCRA Law 609

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act The following account XXXX  Account # XXXX, has violated my rights : 1. XXXX XXXX, balance of {$510.00}, date opened XX/XX/XXXX ( would correspond ) 2. XXXX XXXX, balance of {$0.00}, charged off, date opened XX/XX/XXXX ( would correspond ) 3. XXXX XXXX, Balance of {$3100.00} date opened XXXX  ( Wouldn't correspond ) 4. XXXX XXXX, Balance of {$550.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 5. XXXX XXXX, Balance of {$300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 6. XXXX XXXX, Balance of {$4200.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 7. XXXX XXXX, Balance of {$4300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 8. XXXX XXXX XXXX XXXX  Balance of {$1100.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 9. XXXX XXXX XXXX XXXX Balance of {$860.00}, date opened XXXX   ( Wouldn't Correspond ) 10. XXXXXXXX XXXX Balance of {$3300.00} date opened XXXX  ( Wouldn't correspond ) 11. XXXX, Balance of {$280.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 12. XXXX XXXX , Balance of {$2700.00} date opened XXXX  ( Wouldn't correspond ) 13. XXXX XXXX, Balance of {$2200.00}, date opened XX/XX/XXXX 14. XXXX XXXX XXXX ( XXXX ), Balance of {$630.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 15. XXXX XXXX XXXX XXXX XXXX ) for ( XXXX XXXX ), Balance of {$520.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 16. XXXX XXXX XXXXXXXX XXXX  ( XXXX ), Balance of {$240.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 17. XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), Balance of {$920.00} date opened XX/XX/XXXX ( Wouldn't Correspond ). 
18. XXXX XXXX, Balance of {$1000.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 19. XXXX XXXX, Balance of {$7500.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ). 
20. XXXX XXXX XXXX, Balance of {$1400.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 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

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 2022-11-17
Company: Self Financial Inc.
State: AR
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:
Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was used fraudulently in multiple places including XXXX XXXX and various towns and cities in NC between XX/XX/2023 and XX/XX/2023 while I was in XXXX NC. Bank of America also approved charges that I had made in XXXX, NC on dates where the card/account was also being used out of the mainland USA. Clearly, one can not be in two places at one time.

I have or can obtain : 1. email receipts from appointments in XXXX that occurred while the card was being used in XXXX XXXX 2. email communication with my physician as a result of a dog bite that occurred while the card was being used in XXXX XXXX 3. adoption papers for the dog I did choose during the timeframe in which the card was being used in XXXX XXXX 4. school attendance records for my children ( while the XXXX XXXX XXXX XXXX XXXX was on spring break during time frame that overlaps the card being used in XXXX XXXX, I was in XXXX and my children were in attendance at public school ). 
5. XXXX calendar printouts showing when I XXXX XXXX XXXX XXXX XXXX during the spring semester and scheduled meetings that overlap the timeframe during which the card was being used in XXXX XXXX as well as while the card was being used in towns and cities surrounding XXXX XXXX NC XXXX 
6. Affidavits from friends/family/colleagues/and students can be obtained indicating that we were not out of the country nor absent from our jobs and school during the time this card was used without our permission. 
7. I have downloaded and attached the transaction history from our debit cards showing our location during the timeframe in question. 

I found the fraud when I received my electronic statement and contacted them immediately. 

I have attached documentation that I was local and not on vacation.

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 2021-07-24
Company: ARS National Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alleged Delinquent Parking Violations Debt Notice from ARS National Services Inc. XXXX XXXX XXXX XXXX XXXX CA XXXX. Phone : XXXX. The alleged pertinent information is as follows : Claim of : XXXX Dept of Finance. Case # : XXXX ARS Reference No:XXXX Total Amount Due : {$230.00} as of XX/XX/2021. Letter date : XX/XX/2021 It states to reply within 30 days to dispute. I received the letter on XX/XX/2021. Obviously this is a bad business practice and needs further regulation and oversight. Permission to publish this is granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX Unverified XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! 
Under, 15 U.S Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INTENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!

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 2023-01-26
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Alliance CAS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection Company : Alliance XXXX, XXXX, FL In XX/XX/XXXX there was a debt collected which I did not dispute and pais in full. I Noted that the address the originating HOA had on file was incorrect and gave correct address as well as permission to coordinate payment with my property manager. Neither happened. The HOA still has and address I have not lived in since XXXX, and collection company has that address and addresses I have never lived on file. A new account was sent to the same collections in XX/XX/XXXX. Collections did not email me until XX/XX/XXXX, and added around {$2000.00} in fees since then. HOA has also sent emails showing both companies had a way to reach me and chose not to do so. Collection company also noticed " duplicate charges '' on the original balance sheet, further highlighting incompetence. I should not be penalized upwards to {$2000.00} because both companies, especially collections, did not do their due dillegence to contact me. Especially because collection companies are notorious for excessive phone calls/contact, it seems this was a tactic to let the fees stack up before reaching out. 

When explaining what had happened, collections responded with " it is the responsibility of the homeowner to pay their debts '', I asked how am I supposed to pay when I received nothing about what I am paying, who I am paying and where to pay it, the representative interrupted me saying that if I continue to be angry she is going to hang up on me. When I asked " you are going to hang up on me while I am explaining that you are ignoring everything I am saying? ", again she interrupted, said " yes '', and hung up.

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 2020-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received my response from Portfolio Recovery, regarding my complaint over their non-response to my demanding their proof as to their adherence to the law with regards to the FCRA. They still have not demonstrated compliance with section 1681s-2 of the Fair Credit Reporting Act, they have not shown where, per my request in a letter to them, where they notified me, the consumer that they supplied the legally required Notice regarding their furnishing of adverse information to the credit reports, thereby doing damage to that consumers credit report. They ignored my initial letter requesting their proof of compliance with this law, as I only learned they were reporting on my credit when I checked my credit report, not from being notified of that by them, and I filed a complaint against them with the CFPB due to their non-response. 
Just yesterday I received letters from Portfolio saying they needed information from me in order to proceed forward with their investigation. They deflected the basis of my dispute issue and didnt even reference it as the enclosed document shows. Their response had absolutely nothing to do with the basis of my prior complaint. They are reporting information on my credit, it is therefore THEIR burden to prove that they are doing so in a legal and valid manner. They have not done this and their deflection demonstrates an inability to properly document their permissible purpose in accessing and reporting on my credit. Either they can answer this seemingly simple request for information to show that they followed the law or they cant. And if they cant then they didnt handle this alleged claim on me lawfully then they have no business accessing my credit or reporting items on my credit file, items that theyve never been able to prove in the first place. They should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
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:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX WITH THE ACCOUNT NUMBER # XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. ALSO, 2019 WAS A XXXX YEAR AND COMPANIES DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE STATEMENTS TO CREDIT BUREOU. 

PLEASE REMOVE THAT ONE TIME MISSED PAYMENT FROM MY CREDIT CARD HISTORY AND REPORT IT AS PAID ON TIME TO CREDIT BUREU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RSI ENTERPRISES IS TRYING TO COLLECT XXXX DEBT FROM XXXX XXXX XXXX, THAT HAS A BALANCE OF XXXX THEY HAVE ENTERED XXXX SEPARTE COLLECTION REPORTS OF XXXX,XXXX,XXXX AS OWED ACCOUNTS. I HAVE A STATEMENT FROM XXXX XXXX SHOWING XXXX, THIS BALANCE IS FROM MY HEALTH INSURANCE COMPANY FAILURE TO PAY THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My first missed payment was in 2015. Please delete this entire account from my credit profile as the 7 years has lasped. ( XXXX XXXX Acct # : 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 2022-11-17
Company: CarMax, Inc.
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was able to take a look at my consumer report. I have found that Carmax Auto Finance are using abusive, deceptive and unfair debt collection practices to collect on the alleged debt in reference. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). I extended credit to Carmax Auto Finance to obtain a vehicle. The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. All extensions of credit are deferred under code 18 USC 891 ( 1 ). Carmax Auto Finance is engaged in extortion and racketeering activity by attempting to collect this debt under Title 18 Chapter 42. Failure to make the repayment of this alleged debt has resulted in the use of criminal means by causing harm to my reputation. My consumer report does not include a report containing information solely as to transactions or experiences, furnishing late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). I never received adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Carmax Auto Finance has benefited from my uninformed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting documentary evidence specifically the book of account under 15 USC 44 to validate this alleged debt.

Company response to consumer: Closed with explanation