BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Select Portfolio Servicing refuse to legally acknowledge XXXX bankruptcy laws for property ( XXXX XXXX XXXX XXXX XXXX Nevada XXXX ) successfully reorganized to new contract and ultimately discharged in bankruptcy in XXXX confirmation. Practicing inaccurate credit reporting and falsify the servicing for balance of old loan of old debt agreement discharged and restructured in XXXX. Have collected and apply cash payments for the last eight ( 8 ) years against RESPA ; Fair Credit ; Predatory Lending and Bankruptcy Laws for debt collateral ( {$120000.00} ). Unfair, abusive and deceptive practice concerning property rights by attempting to accelerated foreclosure based on XXXX loan with XXXX XXXX XXXX without legal authority. Collecting cash since XXXX ; yet, refuse to apply cash payments paid since XXXX in total {$180000.00} and based on {$310000.00} due for debt and deceptive collection of the amount owed. Sent countless QWR over the last years, as well as, hired attorneys in excess ( $ XXXX ) to help resolve. Most recent action filed CPFB # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BROKER SOLUTIONS, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company, New American Funding has been inaccurately reporting our mortgage payments late to the credit bureaus. We had our credit pulled in XX/XX/2018 and it showed that New American Funding reported us 30 days late inaccurately for 2 months. On XX/XX/2018 I spoke with 2 supervisors, XXXX and XXXX and was told that they do not pick up the payment XXXX XXXX XXXX, so this might be the problem. I told them that this should not affect me negatively because they neglect to pick up their mail. I have kept USPS tracking receipts showing the payments were received on time. On three different occasions they claimed they had not received our payment until five days later. After receiving no assistance from XXXX or XXXX XXXX asked to speak to the Manager. They told me a manager named XXXX XXXX would call me. XXXX XXXX did not call me so I reported it to the XXXX, she then contacted me XX/XX/2018. XXXX retracted everything I was told by XXXX and XXXX about not picking up the payment XXXX XXXX XXXX. She told me there was nothing she could do but email me a credit dispute form. I filled out the form and sent it to the credit dispute department. I called New American Funding on XX/XX/2018 and spoke to XXXX who told me the dispute was denied. This denial is unfair and need to be review by higher authority. This incident has ruined our credit and it needs to be rectified! I demand that these late payments be taken off of all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CAINE & WEINER COMPANY, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection amount for {$360.00} through Caine & Weiner law firm, representing Progressive XXXX. I can not find the full account number, only the first six digits, and those are XXXX. 

I did have progressive as my Car insurance provider, until XXXX of XXXX. After that, I switched to XXXX XXXX. Progressive opened a collection claim against me on XX/XX/. 
I have bank statements showing two payments, one on XX/XX/XXXX  for {$120.00}, and another on XX/XX/XXXX  for the same amount. 
My Progressive account number was XXXX. When I try to login to their website, they no longer allow me access to any of my previous payment information, or information concerning the cancellation date of the Insurance they provided. Considering Auto insurance companies don't insure you on credit, and also that I have two payments on my Bank statement after they initiated their collection, either some or all of that debt is incorrect. 
I would like the collection removed from my credit report, and if I do owe them something, I will pay it, but I need to be able to validate the debt against my records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had Involuntary Unemployment insurance was approved 10 months XXXX ( my monthly payment ) claim form sent every month with GDOL  print out of claims and date paid as proof of unemployment emailed every month ( can prove it ). Onemain Financial owns the XXXX XXXX who policy was underwritten with. They paid claim once every 2-3 months causing more interest less principal and payments I had to make in between cause they were late were kept as interest ( XXXX ) no principal and it was their fault conveniently owning both company 's is a conflict of interest. I have all the paper work emails the statements. When confronted with their scam they refused to fix this and this was during covid 19 and reason for my job loss. They are charging me 35 % interest on this loan, the credit insurance and 1099 me for the late payments that went to their interest bearing loan only for all the money they paid on claim. So not only did they make money on insurance payments, the premium I paid for insurance, I had to also pay taxes on it. They have had 706 complaints most during covid 19 and continue with bad business practices and stealing money from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
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:
Reviewed my credit report and noticed my student loans are not reporting correctly for 2021 and my loans are deferred now, but it is showing my loan payments are late and it is affecting my credit score and holding up the process of me purchasing a home. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these late payments must be investigated or deleted from my credit record within 30 days and updated. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Accounts : DEPT OF ED / XXXX XXXXUS DEPT OF EDUCATION 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 2023-08-26
Company: Experian Information Solutions Inc.
State: SC
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 have disputed inaccurate personal information as in my full name and inaccurate addresses in XXXX and XXXX and now even XXXX of 2023 to no resolve. I have submitted multiple disputes of inaccuracies of an old discover card acct in collections which was resolved in the year the account was closed which is still reporting as an open account 4 years later today. Experian will not allow me to dispute these items and others without any new information however no proper investigation or request for validity or verification of said debt was ever provided to me upon request from these agencies. Only limited responses are provided in the drop down to submit additional disputes and once submitted you must provide additional information however Experian does not accept most formats of proof. This is unacceptable that the information that I provide to all agencies involved is not sufficient proof to the credit agency however any and all information obtained by Experian and additional agencies and or third parties is being updated to my credit report and it is inaccurate AND I did not provide the inaccurate information but that is the information being reported. I did not authorize any agent to report any of the inaccurate information and now Experian is not accepting my dispute to correct the inaccurate information they are now reporting it to other agencies. Which I also did not authorize. These issues are causing me to miss opportunities to work with other credit agencies due to it looking like fraudulent activity and or risky applications. This needs to be fixed at once.

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 2023-01-22
Company: Experian Information Solutions Inc.
State: PA
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 XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

The above-mentioned account was furnished 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 2022-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian ... 

I have tried many times to log on and can not. Suddenly they do not recognize my birthdate, social security number, email and pin number. I have tried to reach a speaking human being because the " help signing on '' section of their website can't recognize me at all. Their automated phone call answering system does notifier the opportunity to talk to a human, and their automated answering service does not offer human connection options. so my question it, " Now what? ''

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX-2023, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}

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 non-monetary relief
Consumer complaint received 2022-11-11
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , HI XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX , HI XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: MD
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 explanation
Consumer complaint received 2023-03-16
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank always gives me wrong info they have advertise next buissnness the first XXXX from a deposit is available it which isn't true, they never due.tgey accepted and approved my deposit and posted .I show only negative is an available XXXX but when calling they say it's negative they haven't sent ledger and applications like I asked so why do they advertise one thing then act differently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: V and H Portfolio
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Vance and Huffman LLC originator : XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX. I have not opened an account with XXXX. If there was one it was paid in full back in XXXX of which is not on my credit report for whatever reason. The statute of limitations on debt in my state is three years. These 2 entries on my credit report is null and void and illegal. I tried disputing through XXXX but after a few weeks they said the account is accurate. I have asked for proof to show my signature and or an application with my info and what product/service I supposedly applied for in XX/XX/XXXX. The 2 accounts showing delinquent were opened in XX/XX/XXXX?? 
Their Contact info Name VANCE & HUFFMAN LLC Address XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: GA
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. 


Account name : XXXX XXXXXXXX XXXXXXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX 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.

Company response to consumer: Closed with non-monetary relief