BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
While viewing my credit report I noticed unfamiliar account that doesnt belong to me .I understand that before any accounts or information can be furnished to the credit bureaus all information and all accounts must be 100 % accurate verifiable and properly validated I am not disputing the existing but I denied that I am the responsible debtor. I hereby that the account be. Legally, validated or be removed from my credit report immediately. 
There is a outstanding balance of {$31000.00} from credit acceptance corporation

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 2023-10-21
Company: Experian Information Solutions 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:
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ...

I have already disputed these items, but the bureaus did not remove them nor prove validation. 

XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2020-04-12
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to Cascade Financial who is attempting to collect through XXXX XXXX. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address  when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
PORTFOLIO RECOVERY ASSOCIATES Account # XXXX XXXX  : I requested verification of collection account from PORTFOLIO RECOVERY ASSOCIATES. XXXX XX/XX/XXXX responded with account has been verified by the PORTFOLIO RECOVERY ASSOCIATES. 
I contacted PORTFOLIO RECOVERY ASSOCIATES and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe XXXX. When, PORTFOLIO RECOVERY ASSOCIATES responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX XXXX ( XXXX ) stating that PORTFOLIO RECOVERY ASSOCIATES had purchased the debt, but did not provide any additional information spelled out in XXXX XXXX XXXX. 

I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and PORTFOLIO RECOVERY ASSOCIATES ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX XXXX  ( XXXX  ) ''. My recent credit report from XXXX  still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was encouraged by Sallie Mae to defer payments after school after I graduated in 2005. I started making payments approximately a year later as I was instructed to do so. In that time my loan went from approximately {$80000.00} to {$100000.00}. I am never notified of the interest rate changes before they change. I have paid almost {$75000.00} to the Sallie Mae and now Navient ( Sallie Mae sold my loan to Navient ) and my balance is over {$75000.00}. It just does not add up. I am going to refinance my loan with XXXX to a fixed rate b/c payoff date with this loan seems to change. I am so distraught over this and I have never missed a payment. When I call Navient I do not get clear answers and I end up waiting on hold for 20-30 minutes sometimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: PA
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 delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-06-08
Company: FIRST ADVANTAGE CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was offered a position at XXXX XXXX and proceeded with my background check. I have no criminal history and have never been arrested. I received a phone call from the HR department at XXXX that my background check came back with a XXXX   XXXX charge from XX/XX/XXXX-XX/XX/XXXX. The report submitted to XXXX stated the Case Number, my married name and my date of birth. I contact First Advantage and filed a dispute. Upon further investigation of my own, the woman who was charged had a very similar maiden name as me and our birth date is one number different. I was able to speak with someone at First Advantage and they said if there are any two matches in any category it flags their system and then they do further investigating to see if it's really that person. They then transfer the information manually to my background check report. My concern is that they then transferred the information incorrectly into their system and provided XXXX XXXX with VERY inaccurate information. They inputted my married name XXXX XXXX XXXX and my date of birth into their background check file for XXXX. XXXX from First Advantage told me that she spoke to her manager and that this could have been a " clerical error on their end '' while manually entering the information. They didn't do their due diligence to make sure the information was correct before providing my background check to new employer who is now second guessing if I'm the right candidate. My dispute was filed on Thursday, XX/XX/XXXX. I understand there was a weekend and we are in Covid-19 crisis and many courts are closed or limited. I understand my maiden name is common and there are many XXXX XXXX ' out there, but if they just would have entered the information correctly this wouldn't have a been in issue and I would have been able to sign my contract. No resolution or additional information has been provided by First Advantage. I want to make sure that if there is EVER a case of manually adding information to a background check that this information is triple checked and this doesn't happen to anyone else. I know this will get resolved in due time since this is 100 % not me, but my reputation and job is still at jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Grant & Weber
State: CA
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:
A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again. 

I have sent a total of 16 letters between XXXX, XXXX, XXXX, XXXX XXXX and Grant & Weber collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave XXXX, XXXX, XXXX, XXXX XXXX OR GRANT & WEBER MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY BE REMOVED.

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 2020-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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 tried to dispute the portfolio recovery it says I owe them XXXX n some dollars on my XXXX XXXX tried several times letting them know even writing in that I believe this was my sister or a family member that use my information and they refused to remove the information they say that you know it's under certain laws I'm not really sure but I didn't do this this is identity that my sister knows my social security birthday is so do a few other family members that are really not the best of people should I say and it's terrible this is the things that I have to go through now because of what she's done or one of my family members

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: CA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Account number XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Account number XXXX XXXX DEPT.OF SOC.SERV.-CHILD SU Account number XXXX XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company XXXX said I owe them {$450.00} for a debt that isn't mine from a medical facility I never heard from or ever been too. I currently have been a victim of identity theft and this is clearly a result from that. This company is rude and is fraudulent and have many complaints on them. The facility that the agency claimed contact them don't have no recognition of me in they system because again, I never been there and thy don't even use that company for collection. I have disputed this with all three credit places to remove this because its not me. It literally popped up on my credit report as new information. They put me in collection for info that is not mine. Be aware of this company they are trying to debate that this is me and clearly its not.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-06-27
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I FILED A COMPLAINT AGAINST AVANT CREDIT CARD SERVICES IN REFERENCE TO AN ADDED FEE ON MY ACCOUNT AND THEIR INABILITY TO EXPLAIN WHY IT WAS POSTED TO MY ACCOUNT. I HAD CALLED ON XX/XX/2023 AND PAID MY ACCOUNT IN FULL. I RECEIVED AN EMAIL FROM THE COMPANY STATING THAT I REQUESTED THAT MY ACCOUNT BE CLOSED. I NEVER MADE THAT REQUEST. I REQUESTED THAT THEY REMOVE THE FEE THAT HAD BEEN PLACED AFTER RECEIVING PAYMENT. I DO NOT FEEL COMFORTABLE RESPONDING TO THEIR EMAIL BECAUSE OF THE LACK OF TRUST THAT I HAVE FOR THEM TO DO THEIR JOB. MY ACCOUNT IS PAID IN FULL AND I DO NOT WANT IT CLOSED. CLOSING THE ACCOUNT WILL DAMAGE MY CREDIT SCORE AND I DO NOT WANT THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: AES/PHEAA
State: NY
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:
On XX/XX/2020, I received a letter from FedLoan, U.S. Department of Education, stating that " On XX/XX/XXXX, the President signed the CARES ACT ''. Through THE CARES ACT, FEDLOANS 'PLACED THE [ MY ] LOANS IDENTIFIED XXXX e.g. XXXX # XXXX ] IN AN ADMINISTRATIVE FORBEARANCE FOR THE PERIOD XX/XX/2020, THROUGH XX/XX/2020. '' 1 ). For a student to be placed in Forbearance, THE STUDENT MUST REQUEST and call FEDLOANS Servicing Center at ( XXXX ) XXXX. Upon a request of THE student, " General Forbearance is decided by the LOAN SERVICER '' " if the student is temporarily unable to make [ your ] scheduled monthly loan payments for the following reasons : & Financial difficulties ; & Medical expenses, & Change in employment & Other reasons acceptable to your loan servicer ''. 

2 ) I NEVER REQUESTED A FORBEARANCE from FedStudent Loans Servicing. Although the CARES ACT serves as a protection for those students who experience a hardship during the Corona Virus Shut-Down, there are students LIKE MYSELF who are accepted in the PUBLIC SERVICE FORGIVENESS PROGRAM ( PSFP ). 
3 ) I NEVER INTENDED TO FORBEAR MY STUDENT LOANS AS I AM COMMITTED TO PAY ON TIME 120 PAYMENTS IN ORDER MY STUDENT LOANS TO BE FORGIVEN. PUBLIC SERVICE FORGIVENESS PROGRAM ( PSFP ) DOES NOT RECOGNIZE FORBEARANCE AS A COUNTING PAYMENTS TOWARD A PERIOD FOR FORGIVENESS CONSIDERATION. 
4 ). FedStudent Loans, while BLINDLY adhering to the CARES ACT, is violating [ TOOK CONTROL OVER ] my Consumer RIGHT TO SELECT my best option, pertaining to MY situation and choice NOT TO PLACE MY STUDENT LOANS IN FORBEARANCE. WITHOUT MY CONSENT, such ADMINISTRATIVE FORBERANCE violates the Consumer Protection Laws " The Right to Choose '', or " the customers have access and availability to a variety of quality products and services '', and " The Right to Information '' or " be adequately informed for product, or service ''. THERE IS ONLY ONE CHOICE : ADMINISTRATIVE FORBEARANCE. 
5 ) ADMINISTRATIVE FORBERANCE BY FEDLOANS cut my ACCESS to serve properly my PSFP per the terms and conditions, defined originally in the PSFP acceptance letter. 
6 ) ADMINISTRATIVE FORBERANCE imposed BY FEDLOANS provides NO ADEQUATE information to how this Administrative Forbearance will have a NEGATIVE effect on PSFP PARTICIPANTS. 
7 ). ONCE MORE, I do not wish any Administrative Forbearance. I continue to make regular payments ( made already in XXXX 2020 XXXX toward my FedStudent Loans to asure my good status at Public Service Forgivenes Program. In other words, I execute my Consumer right to 'choose ''.

Company response to consumer: Closed with non-monetary relief