BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: EdFinancial Services
State: GA
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:
Subject : Discharge of Debt Obligation and Request for Accounting XXXX Dear [ Debt Collection/Billing Department I have made 3 other attempts to settle this matter with ED Financials. I am writing to address the matter of the outstanding debt associated with my several accounts which I have been informed is owed to their company. Also, I am addressing the fact that ED Financials Services does not have a license to collect any debts in the state of Georgia. I must express my deep concern regarding the lack of a signed tri-lateral contract between myself, their corporation, and the relevant party mentioned in the contract, which is the Department of Education. 

Upon thorough review of my records and the applicable laws, I have determined that the absence of a valid, signed tri-lateral contract raises significant questions about the enforceability and legitimacy of the debt. Under the Uniform Commercial Code ( UCC ) and relevant Code of Federal Regulations ( CFR ), it is crucial for parties involved in a debt obligation to provide clear evidence of the existence and validity of a contract. 

Specifically, according to UCC Section 3-104, a negotiable instrument, such as the alleged debt in question, must meet certain requirements, including being a writing that contains an unconditional promise or order to pay a fixed amount of money. Without a valid, signed tri-lateral contract, it is difficult to establish the necessary unconditional promise or order required for the debt to be considered a negotiable instrument. 

Furthermore, under the CFR, specifically Title 12, Section 1026.17, which implements the Truth in Lending Act ( TILA ), creditors are required to provide consumers with written agreements that disclose the terms of the credit extended. The absence of a signed tri-lateral contract raises concerns about compliance with these regulations and the adequacy of the disclosure of terms related to the alleged debt. 

Based on these findings, I hereby request that they consider my debt obligation discharged and take immediate action to zero out all accounting related to the aforementioned debt. I expect that this discharge of debt will include, but not be limited to, the removal of any negative entries from my credit report and the cessation of any further collection efforts. This lender has no legal authority to collect and debt in the state of Georgia I kindly request that they provide written confirmation within 5 days from the date of this letter, acknowledging the discharge of the debt and the XXXX out of all accounting related to the debt. Please ensure that this confirmation explicitly states the removal of any negative credit reporting and the cessation of all collection activities. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have 5 business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 2023-07-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Per bank this account was opened by my ex and I was the joint account holder, however, this account was not opend in my will and I never use this account, I didn't know this account was having a {$83.00} overdraft fee charged caused by the primary account holder, and ally bank never send me any notification or letter or phone call to let me know this issue, they just reported this negative balance and put negative mark on my XXXX report : ( I found this account has this overdraft fee reported to my XXXX credit report on XX/XX/2019 and then I immidately contacted Ally Bank explianed the issue, but they reject to remove the negative mark on my XXXX report and asking me to pay the {$83.00}, however, I never receive any letter or phone call from Ally bank regarding this account negative balance issue. I be forced to pay the {$83.00} to end this issue which was not caused by me, and after it I have contacted Ally bank multiple times by phone and mail, they still reject to remove the negative mark in my XXXX report, and all mail I sent to them they never response me back.

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 2022-03-30
Company: Experian Information Solutions 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:
EXPERIAN, XXXX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.

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 2018-04-17
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money to an individual through the XXXX app which is partnered with my bank, PNC. I was scammed and the item I paid for was not provided and the individual has since disappeared. I filed a dispute with my bank and after 2 weeks they said there is nothing they can do about it. I have spoke to several reps at PNC Bank and was even transferred to the escalation department and was still told oh well we cant refund your money because you initiated the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have been disputing a fraudulently opened account on my Transunion credit report for years. The last time Transunion actually allowed them to even re age the account and still verified it as accurate. I have contacted this company named XXXX XXXX XXXX XXXX XXXX  XXXX that has a negative mark on my credit for XXXX and I have asked for any information or documentation of the debt, they have so far refused to provide any such documentation then in a collaboration with Transunion just keep reverifying and re aging the account without actually investigating the matter. I have asked Transunion several times to do a real verification and they refuse to do so. So, I am stuck either paying a frequently opened account just because Transunion and XXXX XXXX XXXX XXXX XXXX XXXX say I owe it with not one shred of evidence, contracts or any signatures confirming the debt.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
According to 15 U.S.C 1681a Definitions ; rules of construction XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of my rights. 15 U.S.C 1681a states that for an account to be furnished on my consumer report the furnisher must disclose to me that an account may be furnished on my consumer report and I must be given the opportunity to direct whether such information can be furnished. XXXX XXXX XXXX and XXXX XXXX XXXX has NOT given me the opportunity to direct such information, furthermore XXXX XXXX XXXX has not followed the correct eviction procedure on several occasions. XXXX XXXX Apts failed to provide me with an eviction notice or quit and leave notice, they also failed to completely evict me as only half of my belongings were moved to the curb from the third floor, the sheriff officer and movers stole small items as they allowed me to get a moving unit as a result my family and myself were evicted after being told that coporate and the front office would be of assistance with adjusting rent payments due to going the entire winter with no heating unit and also large holes in the cabinets. As a landlord they are required to provide suitable living environments for their tenants to be in compliance with federal laws.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$2400.00} XXXX XXXX {$190000.00} XXXX XXXX {$22000.00} XXXX   XXXX {$21000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00}

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 explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I attached an FTC report with XXXX account and inquiries I did not authorize

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 2018-12-05
Company: STATE FARM BANK, FSB
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:
Too Whom it May Concern, I contacted the State Farm Consumer Reporting team on Tuesday, XX/XX/2018 to discuss an account ( charged-off credit card ) reported to the credit reporting agencies. Since I discovered this account, I've vigorously disputed it ( online ), while going through multiple surgeries and XXXX treatment. Also, I spoke directly with a representative, XXXX XXXX, at the company who was surprised that he " could not find ANY paperwork associated with the aforementioned credit account. '' At the time the application was reportedly submitted, I was in high school student. In fact, I was participating in a research program in California and XXXX XXXX. I was also shocked that no one ( credit bureaus or company ) could provide me with a signed document and/or other verification documents. After being told they could not find information or an application linked to the account, I received a simple transaction list ( e.g. XXXX, XXXX, etc. ) in the mail, which does not satisfy the FCRA verification requirements. I responded to this issue by placing an Identity theft alert on my credit reports and froze them. However, I am using this correspondence to submit a statement to outline my dissatisfaction with the process. The credit reporting agencies responded to my verification request with canned responses. NO ONE, including the company, furnished me with a contract/application with my signature. I didn't receive any hard evidence that links me to this account, which concerns me. 

In essence, I see this report to the CFPB as an option for the disadvantaged/underprivileged in this country to overcome the structural bureaucratic barriers that exist. Again, it concerns me that the credit reporting agencies can report something as verified without sharing the materials they used to verify an account. This behavior seems to encourage creditors to disregard robust investigations. Having said that, I hope this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Was not notified of investigation status or results

Complaint:
It has been more than 60 days since I sent a letter outlining inaccuracies and unknown entries on my credit report, but I have yet to receive a response. This lack of action and communication is unacceptable, as it feels like I am being taken advantage of and ignored. According to Section 611 ( a ), a failure to investigate such items within 30 days warrants immediate removal from my credit report. As it has now been well beyond that timeframe, these accounts must be deleted without delay. Failure to comply will result in legal action due to the undue stress caused by this situation. Moreover, my personal information was compromised in the Equifax data breach, which makes it all the more imperative that this situation is resolved quickly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  should not be reporting to XXXX  ; XXXX  and Transunion a collection/chargeoff in the amount of {$570.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.

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 2018-03-13
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX # XXXX from Diversified Consultants, Inc ( XXXX XXXX XXXX, XXXX, MI XXXX ) acted very unethically, was extremely rude and a bully when I called to inquire about a debt that was found not owed ( S/W XXXX on XX/XX/18 ). XXXX overpowered the conversation and would not let me speak this was very unprofessional considering I didnt owe anything. 

I called back to make a complaint about XXXX and was told he was the Manager and he didnt report to anyone. 

No one should be bullied by a Collector. 

Can you please send this email to Diversified? 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The owner ( XXXX XXXX ) mother ( XXXX XXXX ) has my information from a tax return I never collected from her, they are accusing me of messing up an apartment I only stayed for 2 months and left peacefully and clean space.now they arnt giving me my return and they arnt giving me my money I payed them for the month when I left on the XXXX XXXX  XXXX. They sent me pictures blackmailing me and blaming me for things I never did. Now they are using my information to fraudulently tie my name to a lease I never signed and I didnt live in for the whole duration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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, PORTFOLIO RECOVERY, XXXX XXXX XXXX, XXXX VA, XXXX PH:XXXX To Whom It May Concern, I am reaching out again because the unverified item listed below was removed from my credit file XX/XX/XXXX but XX/XX/XXXX shows on my credit file again, this is in violation of Federal Law. 
Please accept this final WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items below are not deleted immediately.

I have asked but not received any original documentation ( a consumer contract with my signature on it ) required under Section609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I hate to bring the law into this but I need my information to be reporting correctly on my report, it is my right. 
Account Name : Portfolio Recovery. 
Account XXXX Open XXXX XXXX Errors Found : Portfolio Recovery, did not have any financial obligation with, And original Creditor : XXXX Online bank , I have never Been SEEN in my life this Account, and i have never been open any account XX/XX/XXXX. XXXX Please Remove that Account from my credit file Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: PA
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: GA
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 have been a victim of ID Fraud back in XX/XX/XXXX-XX/XX/XXXX. During this time, there were multiple XXXX XXXX cards opened in my name without my permission. This has been proven based on XXXX XXXX investigation along with a copy of the police report that was given to all three credit Bureau, and XXXX XXXX took them off except 1. They left one card on my credit report stating that it was mine and instantly reported 60+ days late. Obviously this is not mine. I asked them to send me something in writing that I personally signed authorizing them to open this account. If they can not, then they must remove this account off of all 3 of the Credit reporting Bureaus (Experian, XXXX and XXXX) immediately!

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