BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: R.M. Galicia, Inc.
State: CA
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:
1.I have never had an account with this company PROGRESSIVE MANAGEMENT SYSTEMS XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PROGRESSIVE MANAGEMENT SYSTEMS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I called MOHELA and at the beginning of XX/XX/XXXX and asked how my monthly payment was calculated. The last of my tax returns that they have received from me is from XXXX, which is consistent with the rules of the student loan repayment pause. My payments then were roughly XXXX $ ; now I am to pay roughly XXXX $ without clear reason why. I called back 2 weeks later ( on XX/XX/XXXX ) after I had been told to expect a response in 5-7 business days. When I called back I was told I would have a response by end of XXXX. Yesterday, XX/XX/XXXX, a new message was sent stating I could expect a 90 day response time. As a result, I will be paying more than 5 times what I owe and have no recourse in this situation at no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
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 write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. 

Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments SEE ATTACHED DOC It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. 

It is clear that there are flaws in your systems or processes, as there should be no late payments recorded on these accounts. I maintain meticulous records of my payment history, and it is evident that the information you are reporting is grossly incorrect. I urge you to investigate this matter thoroughly to understand the cause of these discrepancies and take the necessary steps to ensure accurate reporting moving forward. 

These inaccurate late payments not only have a negative impact on my creditworthiness but also hinder my ability to obtain the credit I am seeking. I have sought advice from credit experts who have informed me that credit bureaus have a legal obligation to report accurate credit information. The inclusion of such erroneous data in my credit report is a clear violation of those legal obligations and is detrimental to my financial well-being. 

I want to emphasize the seriousness with which I approach this matter. The damaging effects of inaccurate negative information on my credit report are far-reaching, and I will not relent until these errors are rectified. I expect swift action from you to remove this inaccurate information without any further delays. Failure to do so will leave me with no choice but to explore all available legal options against both your organization and the reporting creditor. 

I kindly request that you provide me with written confirmation of the correction made to my credit report, along with an updated copy of my credit report reflecting the necessary amendments. I trust that you will handle this matter with the urgency and professionalism it deserves, as it is essential for the integrity of the credit reporting system and the rights of consumers like myself. 

I eagerly await your immediate response and a resolution to this ongoing dispute.

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 2023-09-18
Company: EQUIFAX, INC.
State: LA
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:
These are unauthorized unknown inquiries from car dealership. I didn't give any written permission for these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 3rd party transactions and experiences are excluded from Consumer Reports..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's le be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will ght back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be conrmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more condent in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, XXXX, XXXX, Equifax have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, XXXX, XXXX, Equifax are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, XXXX, XXXX, Equifax are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: Debt Recovery Solutions, LLC
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regard to the incorrect item on my credit report it has been well over 30 days ago and I haven't received any investigation results. This account was transferred/sold and I am no longer responsible for the account. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature Does not validate the debt and anybody can send a bill and say it's mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
'm making this complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things dated XX/XX/2023. They 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 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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal put an hold on my account and money and telling me I can't use PayPal anymore. I have not been able to get help from them for months. They put an 180 day hold on my account after transactions was reported on XX/XX/XXXX. I've resolved the situation by sending the transaction back but that didn't fix the issue. I tried to call PayPal towards the end of XXXX to resolve the situation and they said that the earliest they can allow me to withdraw the money was XX/XX/XXXX and told me to give them a call back on that day. I called on XX/XX/XXXX and they told me to wait 72 hours before withdrawing the money out. I waited 3 days and tried to withdraw the money on XX/XX/XXXX and it didn't work so I called back and explained and they told me there was an new limitation added to my account and that there was no way that I can withdraw the money and that they believe that I was given false information and they also told me they didn't know when I will be able to withdraw the money. I don't understand my they but a limitation on my account. 
My email that is linked to PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NY
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 let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX Account ( date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Resurgent Capital Services L.P.
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've been fighting this account for years to no avail. I have sent in proof showing I was in the XXXX for a long period of time due to being diagnosed with XXXX. 

I had many accounts that popped up on my credit profile that weren't mine, but I was able to get them removed. This account has been removed, added, updated and everything in between. 

I'm wanting to purchase a XXXXe one day and don't think its fair that someone took advantage of me while I was at a weak point in my life, but after proving this account isn't valid, its still not being removed. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Attempted to call Mohela to discuss repeatedly mishandled loan repayment plans. Called XX/XX/2023 around XXXX XXXX, at approx one hour on hold they hung up. Called back, waited again for XXXX min until they again hung up. 

Previously had been placed in the appropriate plan, recently got notice they changed so called the first week of XX/XX/2023, was told it was errantly handled incorrectly and they would have it fixed in XXXX business days. This led to the above call as this solution has in fact not been fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Collection Management Holdings, LLC
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:
I just learned about this debt when I looked at my credit report. I was never notified in writing or by phone by this collection agency. I dont know them and I dont owe them. Under the new CFPB Collection Rule, collection agencies must provide proper notification before reporting. They did not. Please remove this illegal collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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 got these negative items from unknown companies to show up 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