BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
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:
EQUIFAX RECEIVED A DISPUTE PURSUANT TO THE FAIR CREDIT REPORTING ACT AND EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS AS A RESULT I AM TAKING THIS STEP TO RECTIFY THIS ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The listed account continues to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), this account must be verified ( A ). I will bring legal action against you if you do not verify this account. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2022-12-16
Company: BLACK MANN & GRAHAM LLP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
These links has the XXXX IN XXXX XXXX created for this matter : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX UNLAWFUL NOTICE OF SUBSTITUTE TRUSTEE, AND NON JUDICIAL FORECLOSURE SALE ON XX/XX/XXXX FROM XXXX XXXX XXXX, NAMING THEMSELVES XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX AS XXXX XXXX MORTAGAGEE, AND CLIENT, NAMING MERS AS ORIGINAL MORTGAGEE WITHOUT XXXX XXXX WAS ONLY A NOMONIEE, SEE XXXX PAGE TWO NAMING XXXX AS GRANTOR TO SOMETHING ; THERE HAS BEEN NO DOCUMENTATION, NO NOTICES FROM THE ORIGINAL TRUSTEE XXXX XXXX XXXX XXXX ONLY NOTICE IS ENCLOSED ; NOTICE OF ACCELERATED MATURITY AND NOTE OF NON JUDICIAL FORECLOSURE DATED XX/XX/XXXX DELIVERED XX/XX/XXXX, FROM XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX, CC TO XXXX XXXX XXXX XXXX XXXX XXXX ALSO STATES THAT XXXX XXXX IS ONLY LICENSED TO PRACTICE LAW IN STATE OF MASSACHUSETTS AND RHODE ISLAND. XXXX IS PAGE TWO. AS PER THE CLOSURE DISCLOSURE STATES THAT THER IS NO DEMAND FEATURE ; SEE XXXX LETTER FROM XXXX STATING XXXX IS SUBSERVICER FOR XXXX, HAS NOT STATED RELATION TO XXXX, TRANSFERRED TO XXXX FROM XXXX, AND XXXX IS SUBSERVICER TO XXXX, XXXX HAS NO STANDING WHATSOEVER YET THEY ARE NAMED BY XXXX XXXX XXXX ; Furthermore I require a response from BLACK, MANN & GRAHAM, L.L.P that you have recused yourself from this foreclosure action. If no response from BLACK, MANN & GRAHAM, L.L.P has been received within 15 days then this letter will serve as an admission that the Notice of Default was done in error and you agree to rescind the notice. 

IT was also noted that your PC was not operating during the XX/XX/XXXX - XX/XX/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 2023-10-23
Company: ENOVA INTERNATIONAL, INC.
State: OR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We paid off our loan balance in XXXX and the company still doesn't have our updated balance of XXXX. We have spoken with the company and disputes department, and my wife gave the representatives permission to speak to our bank to retrieve financial information and net credit confirmed that the payment was made. I have proof of this confirmation via email and our previous bank statements. The initial response from a Net Credit representative is located in the attachment " XXXX email - Net Credit XXXX XXXX I have previously disputed this claim with the CFPB and Net Credit has responded with false claims ( located in " Net Credit 's False Claims.png '' attachment ). The company responded to my initial dispute with false claims, which came after I had received email confirmation from a separate Net Credit representative stating that my account was in fact paid in full and that the previous representative named XXXX had been " let go ''. The second email confirmation is located in the attached file named " XXXX XXXX Email - Net Credit XXXX ''. 

The company has responded with false claims pertaining to my submission of the proper documentation that proves the balance was paid in full. I have shared bank statements and a bank representative has spoken with the company to verify that the balance was paid, which is indisputable according to both emails. The company has also falsely claimed that I have been contacted by fraudulent collectors, which is not correct. The email address XXXX belonged to an employee that lost their job at Net Credit. I have been advised that my account will be taken care of. Due to a lack of communication and company oversight, I do not have faith that this will be resolved by the company alone. Given that the company has submitted false claims in their response to my initial CFPB dispute, they are now in violation of Title XII Banks and Banking 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) Subpart B Rules for FDCPA Debt Collectors- 1006.18 False, deceptive, or misleading representations or means - ( d ) False representations or deceptive means. In this section of the United States Code of Federal Regulations it states, A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Given the previous communication with Net Credit 's representatives and the untruthful response to my initial CFPB complaint, it is apparent that my balance was paid in full, it has been verified by Net Credit, and that net credits claim against me is false, and now unlawful according to Title XII.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( XXXX '' ) codified at 15 U.S.C 16186 ( XXXX ) XXXX ( XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX ( XXXX 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 2022-12-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife went on unpaid XXXX XXXX in XX/XX/2022. I advised the loss mitigation department that I would be having trouble making the payments for the 3 months she was out of work. I've tried multiple times fixing the issue with loss mitigation and the process keeps getting started over. As of now i owe {$4300.00} and have been making on time payments since XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Nelnet, Inc.
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:
My loan was recently transferred to Nelnet from Great Lakes when they were acquired. I updated my loan information through FAFSA with my most recent tax information. Because my Adjusted Gross Income is {$380.00} ( because I live outside the US ) my loan showed as {$0.00} payment on the FAFSA option. I sent the requested information to the loan servicer applied for an Income Driven Payment plan that takes into account the AGI as the key factor to determine repayment. I received an email confirming that they had received my application and it would take 10-15 days to process. That was received on XX/XX/XXXX. It is now approaching the end of XXXX. When I finally got through to customer service, they told me they were attempting to process the paperwork. Since the recent Biden-Harris action XXXX the wait time has gone up to 30 mins but actually takes over an hour to reach a representative. On multiple attempts I have waited on the phone but the wait time does not decrease and I also submitted a complaint on the website to have the correct information displayed but I have received no response. Currently, it shows that when repayment resumes I will have a {$500.00} a month payment, which is not the option I was shown from the official FAFSA site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a cfpb complaint for company IQ DATA INT regarding debt validation and proper paperwork being sent out company responded to complaint with this message. Company reported debt amount as seen below ( XXXX ) however is reporting a different amount XXXX {$7000.00} XXXX on my credit report and in violation of FCRA. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Date : XX/XX/XXXX Consumer Financial Protection BureauXX/XX/XXXX XXXX Iowa XXXX, IA XXXX XXXX : Complaint of XXXX XXXX Case Number : XXXX Internal Reference : XXXX We have received your dispute letter of XX/XX/XXXX, in which you indicate that you did not receive validation of your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$6200.00} owed to our client, XXXX XXXX Apartments. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the addresses supplied by our client which was not mail-returned and deemed received. Our records reflect that our office processed a certified validation request from you on XX/XX/XXXX. In response our office mailed a copy of your final statement to you on XX/XX/XXXX to the address that you submitted with the dispute which was not mail-returned and deemed received. The purpose of validation is to ensure the correct person is being requested to pay the correct amount for the correct creditor. The documents our office sent you are in compliance with that directive. It itemizes the individual charges associated with the balance assigned. We believe this account to be valid and the current balance of {$6200.00} remains due. We encourage you to contact our office to discuss payment options or to address any questions about the account. Thank you for the opportunity to respond to this complaint. IQ Data International , Inc. ( IQ Data ) is committed to treating every consumer with the dignity and respect to which they are entitled and is committed to its compliance efforts and ethical debt collection practices. All collection employees are trained by a certified Trainer Specialist and, as a requisite of employment at IQ Data, the employee is required to become certified through theXX/XX/XXXX as a Professional Collection Specialist. Additionally, IQ Data has received the elite designation of a Professional Practices Management System accredited agency through XXXX XXXX, the primary credit and collection industry organization. Sincerely yours, XXXX XXXX XXXX XXXX XXXX I.Q. Data International, Inc. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received notification of debt and never received information about disputing debt and never received verification of debt either. Delete off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: IL
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:
Hello. This is not filed by a 3rd Party or a XXXX XXXX XXXX. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account by security credit services opened in XX/XX/2017 for the amount of {$1900.00} that I do not owe and have no knowledge of why Im being charged for this account. Ive repeatedly stated that I do not owe this company anything. The company has contacted me via phone and Ive told them I do not know who this account belongs to but it isnt mine. Ive reported it several times on the XXXX and XXXX credit bureau. It was removed off of XXXX  so I dont understand why it isnt being removed from the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My sister XXXX XXXX XXXX is XXXX  of my mothers estate. She has been trying to get copies of all statements ( checking, savings, XXXX XXXX irs, etc ) from bb & t, now truist and they are having problems getting them. Shes requested statements for the 18 months prior to our mothers passing. Would appreciate help. 

Please provide copies to estate attorney. XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX Ss # XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: IL
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:
Hello. This is not filed by a XXXX XXXX or a Credit Repair Facility. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts.

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : 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 2021-03-15
Company: First Federal Credit Control, Inc.
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Resurgent Capital Services L.P.
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:
I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested verification of this debt from the company according to the laws and was sent a bill, but no verification that this debt belongs to me. Furthermore, this company and 2 others are reporting to own the same debt on my credit report or sending various attempt to collect letters. 

I need valid justification and the debt be removed from my credit report if it can not be verified. I have sent proof that this debt is being reported multiple times illegially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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