BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: TDS Financial LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I enrolled in XXXX in XXXX of 2010 with the understanding I would only attend the XXXX  under the offered XXXX since I did not want to incur debt without working at the time. They assured me I had a XXXX and all was good. In XXXX or XXXX I was called into the financial office and was told due to an unpaid XXXX loan for my daughter the XXXX  was taking away. ( XXXX husband issue is too long to go into ). So I told them I was unable to continue because I could not afford the tuition and stopped attending at that time. XXXX went by and then I received a collection notification on my credit reports stating I had not paid on this XXXX loan. So rather than settling I paid this company {$3800.00} and received a letter releasing me of Liability. From that point about every XXXX years I get the same type of calls, letters, and threats that I still owe them money. Takes about a week of going back and forth with whatever company to prove I have paid it and then it goes away until about another XXXX years and then repeats. 

Today I was contacted by R & R Solutions stating I owe. I tell them I have a release of liability and she states that the account number is not the same and that I owe {$1900.00} because the loan was split up and that part was not paid. She states that this is the last of the loan and that if I pay them it will be the end of this ongoing situation and she would then be my lawyer on this situation from here on out and I would only need to send any inquiry to them. From past experience I know better than to just pay it. 
Looked them up on XXXX  and they have an F and says they are unaccredited. I called them back and they stated that several companies have used their name. Also I pulled their website up and there is very minimal information on it. No phone #, No Staff bio, etc - their excuse is that they are updating their website and it will be available in XXXX to XXXX  months. 

While typing this she called back ( comes in as a spam call ) and says if I pay now it would only be {$1100.00} - so sketchy I hate owing people money and want to end this if they are legit but my spidey senses are scream scam.. 

I have reached out to a XXXX year XXXX XXXX  and an on-line lawyer to get a feel for the legitimacy of this company and their request for payment and both replied that it looks like a scam and to not do anything. 

R & R Solutions, XXXX  is horrible and shows others complaints. Again I just want to know I don't need to do anything. The fact that she called and says if you pay the smaller amount now you won't owe the rest. XXXX I really am frustrated that this happens every few years. I want it to stop. If I owe it for real I will pay it however everyone I have spoken to says its a scam.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-12
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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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 2023-11-17
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I refinanced my loan just a few months ago. Refinance was to start in XXXX. I JUST received my bill with my payment information on XX/XX/XXXX ; the letter was dated XX/XX/XXXX. I am online only on bills, so there should have been no delay in receiving this explanation of my refinance. 

Last month, I attempted to pay my student loans, as I do every month. However, it had my balance as {$0.00} and nothing due ( refinance came through ). I didn't make a payment without knowing if my account information would change or what more information I needed. Then, I received a notice from the DOE that I missed a payment, which, of course, is inaccurate as far as I could tell. Now, the letter I just received today said my first payment under refinance was due XX/XX/XXXXXXXX The website still has my amount due as {$0.00} and my balance as {$0.00}. Additionally, there is still no reduction given to all XXXX XXXX students. That last, however, I am unsure if it is the problem of the service provider or the DOE. 

My service provider is EDFinancial. Not only are their communications late and inaccurate, but navigating their website to find even the most basic information is more than a pain.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-12
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Chrysler Capital has a computer system in place to systematically steal additional automatic payments from customers, after a lease is fully paid off. I had a lease that was paid off on XX/XX/XXXX ( date given by Chrysler Capital ), by XXXX XXXX, in XXXX Then an auto-pay of {$440.00} was deducted from my account on XX/XX/XXXX ( according to my bank, Chrysler Capital stated the auto-pay was on XX/XX/XXXX ). 

Simple mistake, right? Wrong. 

Chrysler Capital never contacted me about the error. If I never contacted them, they would not have reversed the mistake. The first representative I spoke to at Chrysler Captial stated that no payment was taken from me in XX/XX/XXXX. Then the representative gave me " homework '' to go to my bank to get a special bank statement to prove that they took the money from me. 

At this point, I demanded to speak to a supervisor. 

After going through the whole verification process and story again with the supervisor, the supervisor stated that auto-payments had to be manually ended on their end. She also stated that she could see the payment deducted in XXXX, where the original representative could not. 

Something is very fishy about the computer systems at Chrysler Capital. It appears they have been programmed to over charge customers, not refund over charges, and place undo requirements on customers trying to get refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX* Balance Owed : {$3.00}

Company response to consumer: In progress
Consumer complaint received 2023-10-07
Company: EQUIFAX, 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.

This accounts and Inquiries 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: M&T BANK CORPORATION
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:
See attached document. 
Apparently, the 5 times prior and even recent XXXX XXXX wasnt provided with enough information to process the dispute and blocking of illegal information based on the identity theft which they have committed. I have provided my recent official rebuttal as well as proof to the purposeful incompetence of me sending the letter to XXXX XXXX as well as their XXXX XXXX XXXX. XXXX XXXX is illegally reporting nonpublic personal information without consent as well as not following the FCRA and XXXX XXXX XXXX, and with committing of these atrocities to defame my name and character, financial abilities and mode of living. I comprehend that XXXX XXXX is the stated as the owner of XXXX XXXX as stated by XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Global Lending Services LLC
State: TX
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:
GLSLLC inaccurately reporting late payments on my credit files. XX/XX/2019 and XX/XX/2019 are being shown as lates. How can the company reports a late payment when it's not past the month?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Concord Servicing Corporation
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 tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table XXXX my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to Blackwell recovery and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
* Dear Sir/Madam, This letter serves as a formal demand for validation and verification of the debt on my credit report from University of XXXX . I am requesting that you provide me with all original documentation from the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, to prove the validity of this debt. I challenge the legality of the debt sale without written permissible purpose, citing 15 USC 1681 and any relevant subsection. 
Additionally, I demand proof of licensure on behalf of all parties involved, including the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX. This will help to ensure that all parties involved are legally authorized to collect this debt and that my personal and private information is being handled appropriately. 
Please note that I am not refusing to pay, but I am requesting that you provide me with the necessary documentation to verify the validity of this debt. I am aware that I have the right to dispute this debt and request written evidence of it from the debt collector within 30 days of receiving a debt validation letter. I am also aware that it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to refuse to send a validation notice or fail to respond to my verification request. 
I demand that you remove the associated negative trade line notations from the credit reporting agency reports until you have provided me with the necessary documentation to validate this debt. I also demand that you forward this letter to the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, at the addresses listed On the Credit report. 
Original Creditor : University of XXXX Debt Buyer : XXXX XXXX XXXX Address Unknown Furthermore, I demand that you provide me with the full name and address of the original creditor, University of XXXX XXXX, at the time the debt was sold, as well as the account number associated with the debt. I also demand that you provide me with the name and address of the debt buyer, XXXX XXXX XXXX. 
Please make sure that all communication regarding this matter is in writing and sent to the following address : XXXX XXXX XXXX XXXX XXXX, Ar XXXX Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1960 Dear Sir/Madam, I am writing to lodge a formal dispute and seek your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate information that has been reported on my credit report by XXXX XXXX. I believe that my rights under the FCRA have been violated by the actions of this creditor, and I kindly request your intervention to address this matter. 

XXXX XXXX  | Account number : XXXX : Potential Violation : Inaccurate Reporting and Failure to Correct Relevant FCRA Section : Section 611 - Procedure in case of disputed accuracy I am deeply concerned that XXXX XXXX  has inaccurately reported information regarding this account on my credit report. Specifically, they have reported this account as updated when, in reality, nothing has been changed. The same incorrect information continues to be reported, and there has been no actual update to the account. Furthermore, incorrect late payments are still associated with this account, which is negatively impacting my creditworthiness. 

This situation has caused me significant distress and concern, as the accuracy of my credit report is of paramount importance to my financial well-being. I have diligently managed my credit responsibilities, and I expect creditors to accurately report my financial history. 

As a consumer protected under the FCRA, I am entitled to a credit report that is free from inaccuracies and errors. I have attempted to resolve this matter directly with XXXX XXXX, but they have failed to take appropriate action to correct these inaccuracies. 

I kindly request that you enforce the provisions of the FCRA in my case and ensure that XXXX XXXX promptly corrects and updates the information associated with this account. The accuracy of my credit report is essential for my financial stability, and I trust that you will take the necessary steps to rectify this situation. 

Thank you for your time and attention to this matter. I look forward to a timely resolution that will help me regain the financial security that has been compromised by these inaccuracies. Please feel free to contact me at [ Email Address ] or [ Phone Number ] if you require any further information or documentation from my end. 

Sincerely, 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 2022-03-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting lates that should not even exist on a closed account. I haven't had the account open since 2015 so all of the lates that exist on the account should not even be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I used Cash App to send money that I cash advanced from my XXXX credit card. I disputed the transaction with XXXX on XX/XX/XXXX and then quickly cancelled the dispute 10 min later because I saw the account the money went into. ( I originally thought it went to a different bank account ). XXXX told me they cancelled it. Apparently XXXX contacted Cash App but did not cancel the dispute with them. Cash App took the money out of the account I sent it to and took it out of the bank account it went to. Cash App sent notices on my account that read they were going to credit back the card issuing bank ( XXXX ) on XX/XX/XXXX but never did. I have been calling, texting customer support and emailing but they still have my {$590.00}. None of the various phone numbers listed for Cash App let you talk to a live person. They are recordings that tell you to email or do a live chat with a representative. I have contacted XXXX and the bank it went into and then pulled back out of and they both tell me I have to contact Cash App because they told me they would credit back the XXXX card, which they have not. Please contact a higher level of management and help me get my money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent letters in XXXX, XXXX and in XXXX regarding balance on accounts account was sold from one creditor to another and amounts are incorrect and I havent gotten any response on where the balance came from or notice of correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter to each credit bureau and had it notarized and sent certified mail. The letters were received by XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX. The letters requested from the credit bureaus that physical verification of the debt from EOS CCA be collected by the credit bureau and sent to me, verifying the debt per the FCRA. If they do not send the physical verification requested to verify the debt within 30-days, EOS CCA must immediately stop reporting this debt to the credit bureaus. Today is XX/XX/XXXXand EOS CCA has not complied with the demand to send the verification of the debt to me or the credit bureau and has not stopped reporting this debt at any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: National Credit Systems,Inc.
State: MI
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:
To whom it may concerned : I have been informed that there is a debt collection with balance of {$5900.00} with National Credit System ( NCS ) on both my XXXX and XXXX  credit reports. I challenge the accuracy, compliance and reportability of this listing. There has been no validation of any information that I owe any amount of debt. 

This listing was on my file ever since XXXX XXXX. However, I have not received any notice from NCS about this negative information. Per Fair Reporting Act section 623 ( 7 ) ( A ), " the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer ''. 

Also, I mailed a certified Debt Verification letter to NCS on XX/XX/2021 ( USPS tracking number : XXXX ), requesting any contract or agreement that bears my signature to show my consent of payment/debt. After 30-day window, I have not received anything back from NCS that can validate the legitimacy of the above mentioned debt collection. 

I have contacted both XXXX  and XXXX  to dispute this false reporint but NCS has " confirmed '' the information with both of them, knowing that the debt is non-existent ; which blocked my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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: Was not notified of investigation status or results

Complaint:
Good afternoon, I need the below accounts reviewed immediately as they have been paid on time and the XXXX account does not belong to me. Please adjust my credit profile immediately as its causing me harm. 

XXXX XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXXXXXX XXXX- XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT-FRAUDLENT -NOT MINE Kind Regards 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