BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-04
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is regards to Medical- XXXX XXXX XXXX reporting inaccurate information on my consumer credit report with XXXX  . As of XX/XX/XXXX, this account with Medical- XXXX XXXX XXXX shows an open account I did not open. I have disputed this account multiple times, and I ask XXXX XXXX to validate this debt. As of XX/XX/XXXX, XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX, I spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for me. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for me. Also, reached out to Tek Collect Agency, I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to Tek Collect Agency and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX  AccT # XXXX ... 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I WAS A VICTIM OF IDENTITY THEFT. I SENT THE PROPER REPORT AND INFORMATION TO XXXX, EXPERIAN AND XXXX. THEY FAILED TO REMOVE ALL OF THE FRAUDULENT INFORMATION THAT WAS ON MY 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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my third complaint through CFPB for this company that has been reporting a collection from XXXX collection agency on my credit report without notifying me of the collection or giving me a right to dispute the debt before reporting to my credit report. Reporting a debt without notice or right to dispute is a violation of the FCRA. This company had continued to report even during multiple disputes which is also a violation since items can not be collected or reported during a dispute. Reporting an item is still an attempt to collect. There are so many violations and this account still had not been removed. This debtor also still had not proved that I owe this debt at all which I know I dont owe

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 2023-11-09
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have items on my consumer report that are a result of an third party company trying to collect and debt and I have not done any business with them or signed contract with this third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
About 2 years ago someone compromise my ss # and did a lot of fraudulent activities in my name. I filed a police report and submitted to all 3 credit bureaus. Well it had happened again. I have 3 medical report a on my credit report all 3. I did my investigation and all 3 accounts were opened up in XXXX. I have lived in XXXX XXXX XXXX  since 2012. These are not my accounts. I have submitted my I.D.and ss # card to all 3 bureaus. There are credit inquiries that I have researched as well. These business are in different states car dealerships in XXXX XXXX. I live in XXXX. I am asking removal of all 3 debts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/2023 I purchased my vehicle and resolved all payments on the loan. Since that date I have repeatedly requested a vehicle title document to complete the purchase and per my legal obligation for sole ownership. Chase Auto has failed to deliver the document for months with continual lack of detail or any reasonable explaination. I have been in contact with various representatives on a weekly basis requesting updates, timing, estimated delivery of this document. Chase seems to have either lost the document or is refusing to deliver it preventing my from selling the vehicle as I desire and costing my potential buyers. I am now also required to renew my vehicle registration in the state of Illinois for a vehicle that I had planned to sell months ago. I have zero faith in Chase Auto to resolve this matter and I am reaching out for consumer protection in desperation to simply receive the title document.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I canceled my Citi Premier credit card account. Citi 's stated policy is to refund the annual fee if the card is cancelled within 37 days of posting the fee to the account. My fee posted XX/XX/XXXX, and I cancelled the card on XX/XX/XXXX. 

I was advised when cancelling that I did not need to pay for the fee, as they would be posting a credit to bring the ending balance to {$0.00}. I subsequently began getting automated calls from Citi stating my balance was past due. 

I called and spoke to a customer service representative, who could not tell me when my credit would post and could not confirm whether my past due balance would be reported to credit bureaus. 

I paid the {$95.00} on XX/XX/XXXX to reduce the risk of this getting flagged on my credit report. Customer service told me that a credit would be posted and then refunded to my bank account or sent via check. 

I have still not received any credit to my Citi account, let alone received the money back. They can not tell me when I should expect it. Now over two months since cancelling the card.

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 monetary relief
Consumer complaint received 2023-05-03
Company: The Best Service Co.,Inc
State: CA
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: Information belongs to someone else

Complaint:
this is not my account and hurting my credit

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 2020-04-04
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I contacted customer service at Mr. Cooper to discuss the financial impact the COVID-19 pandemic is having on my ability to make my mortgage payments on time and in full. I own three rental properties, two of them which Mr. Cooper services the mortgages. I am aware that Mr. Cooper is currently offering forbearance ; however, after reviewing the terms of that program, I can clearly see it will place a tremendous financial burden on consumers at the end of the time period for which it is specified, namely, the accumulation of mortgage payments which will be due in full at the end of the forbearance simultaneous with attempted economic recovery by myself and other consumers. I do not anticipate having a large sum of money pay towards that amount. Therefore, I requested loan modification. I was informed the process could take up to 30 days per property. When I asked what to do about my inability to make my currently-due payments, I was not offered any viable solution and was told that fees will be assessed on late payments and my credit will also be negatively affected. I believe the time period for review and approval of loan modification is excessive, given the dire circumstances our country is in due to COVID-19. I have a mortgage with another lender ; they offered to immediately send documents for me to sign which would expedite loan modification for three months, which will provide great relief to my financial situation. I also believe Mr. Cooper 's threat of negative action against me is inappriopriately punitive. Further, I see Mr. Cooper 's program of forbearance as short-sighted, unrealistic and financially burdensome, given the extreme hardship that will impose on myself and other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. TRANSUNION, XXXX and XXXX are reporting an inaccurate late payment for the XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment notice posted in XXXX of XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in TRANSUNION, XXXX and XXXX violating my federally protected consumer rights. To add to this I did not give TRANSUNION, XXXX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION, XXXX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-02-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( /XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute with EQUIFAX regarding an account that is not mine and it has been more than 60 days and no response from them.Equifax disregarded the law by not responding to consumers disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed an FTC report for identity theft for inaccurate accounts I found on my report and no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: FL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute with TransUnion regarding and account that is not mine and it has been more than 60 days and no response, TransUnion disregarded the law by not responding to consumer disputes, hopefully this will be the last time they do this.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my ftc affidavit for your review.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Below is the items that need to be blocked from current and future reporting and deleted immediately. 

XXXX XXXX XXXX accnt num XXXX XXXX XXXX XXXX balance XXXX XXXX all other fraud inquiries that are on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, 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:
Please look at XXXX CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX XXXX  several times already . I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from XXXX  XXXX  to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: ERC
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:
I checked my credit report and I see this has been charging fees which I never authorized and this was originally paid to the creditors including dates of last activity, dates opened, dates reported, and payment status. ENHANCED RECOVERY claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: AES/PHEAA
State: CA
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 have requested for my payments to the PSLF program to be calculated due to the amounts of qualifying payments not matching for Direct Subsidized Consolidation Loan ( DLSCNS ) and Direct Unsubsidized Consolidation Loan ( DLUCNS ). Currently FedLoan Servicing has calculated the qualifying payments DLSCNS XXXX and DLUCNS XXXX  even though the payments have been made for both loans at the same time since I began repaying my student loans. I have requested twice for FedLoan Servicing to fix or at least give an explanation for the unmatched amounts with no success. I have worked for the XXXX XXXX XXXX and made payments since XXXX. My FedLoan Servicing Account Number : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: Kashia Services
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a {$1400.00} loan From Better Day Loans come to find out later they are charging me interest rate of 775.73 % Massachusetts has laws rules on loans no higher than 20 % APR. I have Reached out several times to Better Day Loans with no Success. This company trys to take advantage of tribal immunity and avoid interest caps. it's the FTC Act grants the FTC authority to regulate arms of XXXX XXXX, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a XXXX XXXX. Lender its not above the law in Massachusetts this loan was deceptive and I feel I was taken advantage of. Please Find documents attached

Company response to consumer: Closed with explanation