BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
account XXXX I have yet to receive full Validation of Debt regarding this alleged debt. It is to my knowledge that this is not owed. My full request is incomplete below are the requests : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount.

4. Documentation showing you are licensed to collect debts in Ohio. 

In addition, I was again threatened to have the police called on me. This is all because of an alleged debt that I do not feel I owe. I feel incredibly threatened by First Federal Credit Control. In addition, it was informed to the CFPB that I was confrontational, and called 7 times. Calling my confrontational is slanderous and a violation. The reason I called was due to the fact I was hung up on several times and my inquires were not answered. This is considered entrapment, intimidation and a clear violation. I request this is off my credit report - I ask First Federal Credit Control to cease and desist. In addition, I hope that this is rectified soon as I do plan on escalating these threats/ violations if not rectified timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: DC
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:
Report contains inaccuracies and other items from people ( establishments ) I've never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Paramount GR Holdings, LLC
State: SC
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 was summoned and required to answer a complaint on XX/XX/2023 for a repayment of XXXX. I do not owe that amount. This is incorrect information. I responded for them to give proof of these purchases being made by me. On XX/XX/2023 I received an email from a company goodleap asking for payment of XXXX dollars. I called them and they proceeded to inform me of a loan over XXXX dollars this is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed inquiries on XXXX and Equifax and they refuse to remove them. I have not authorized companies to run duplicate checks on my credit and have several from companies I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am disputing a purchase and I a haven't been given the right response on several Day beginning XX/XX/XXXX-XX/XX/XXXX on business I been calling and no one has been giving me the right information about when I should receive my money 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 monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.

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 2018-10-11
Company: AES/PHEAA
State: VA
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 consolidated a parent plus loan and a personal student loan on XX/XX/XXXX. I filed to pay by PSLF. Since that time I have made exactly 24 payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also happen to be in school currently. Twice this loan was placed in deferment without my request - it was done automatically because they saw I was in school. Both times I called and said I do NOT want it in deferment, as I am XXXX, and want/need it paid by age XXXX. It took them forever to mail the document for me to sign a waiver. I immediately faxed back both times. It took forever to take the deferment off both times. I called multiple times and was told BY XXXX XXXX XXXX   that I may continue to make my payment. It would still count toward my PSLF. I did that. There should be some sort of records that I called. According to them, I have made 12 payments. I requested a review on XX/XX/XXXX. Said it was correct. Requested a review on XX/XX/XXXX. I have called. As of XX/XX/XXXX I was told it may take 6 months, and " ma'am I need to be patient ''. I still haven't heard anything back and it has been 6 months. I am not trying to get out of paying this loan. I just need the payments I have made to count toward my 10 years!!!!!!! I did just what THEY told me to do!!!! I would have NEVER EVER EVER made those huge payments if I had thought they would not count toward my PSLF. Someone THERE told me they would count. I can not get anyone to listen. These payments are more than my house payment. I am single with a child at home with no other support. All I am asking is that my payments be counted toward PSLF as I was told. I certainly did not pay an entire extra year 's worth of payments to not go towards anything. I can not get anyone to listen. I have called, I have filled out requests, I have tried email and no one responds. Please please help me to at least get these payments to not be looked at as " overpayments '' as they are saying. ( when I owed XXXX for those months and I paid, they are saying I overpaid, and overpayment doesn't count toward PSLF ). Please please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: AES/PHEAA
State: VA
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 am scheduled for forgiveness of my loan in XXXX, and my servicer has not responded to my emails in regards to the years of service I have provided from XXXX. 
As well, they recommended I fill out a form for medical forbearance to count my years in residency however this recommendation removed payments towards my forgiveness after removing an Adminstrative forbearance. This was poor recommendation from the servicer regressing my time towards loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, 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:
My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with a representative by the name of XXXX XXXX in XX/XX/XXXX. She stated that if I paid the balance in full the entry on my credit report would be deleted and it would be like it was never there. I paid the balance in full on XX/XX/XXXX. To date, the entry has NOT been deleted from credit report as promised. I emailed the associate about it on XX/XX/XXXX and I have not received a response. They lied to me in order to collect the debt which a violation of the FDCPA, for which I will take legal action against them and XXXX. I would highly recommend the CFPB take a closer look at this debt collection company. Their practices are abusive and unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Colorado emergency mortgage assistance program sent money to my mortgage company to bring my account current. On I called XXXX XXXX mr cooper , my mortgage company and The on XX/XX/XXXX a woman told me she was moving funds to help bring my account current and will pay for my XXXX and most of XXXX payment. I call back on XX/XX/XXXX and a woman tells me that with funds being moved it will leave me a balance of XXXX due not till XXXX. I call back after on XX/XX/XXXX and am told no funds where ever moved and she will do them for me. I call back XX/XX/XXXX and was told the lady on XX/XX/XXXX did not notate about moving any funds and they keep ignoring me when I say I want that call pulled and reviewed. I talked to someone else on XX/XX/XXXX and they tell me they requested funds to me moved but I have to bring the account to current before they move money that they was sent from the Colorado mortgage assistance program. The money was sent to be applied toward my monthly statements and they misapplied the funds leaving me owing for XXXX but I was funded for XXXX already but they didnt apply funds how they should be applied. They also sent my insurance a check this month but was due in XXXX so I lost my homeowners insurance due to that as well and now theres a missing check for over XXXX XXXX thats raising my monthly payment XXXX more

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-06
Company: Advanced Resolution Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to freeze my ARS account with no success. I have followed all of their online guidelines and sent a letter certified mail requesting a security freeze but have not gotten a response back. It has been 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX , Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.

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 2023-06-21
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account got hacked on XX/XX/XXXX. Though the funds were returned, my access to my account was terminated. I have tried to work with Chime for over 2 weeks I am getting nowhere with Chime on restoring my access, so I have been unable to gain access to my funds. I dropped my direct deposit so they can not get anymore from me. BUT as it sits they have a lock on almost {$1500.00} that I can't get back. My attempts to work with this company to resolve this have met with being lied to and constant disconnections. I had at least 10 conversations dropped yesterday alone. What this company is doing should be illegal on some level. I am hoping you cam help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Navient Solutions, LLC.
State: OH
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:
To whom it may concern : I have recently identified some fraudulent activity on my credit reports and have been inquiring from all current creditors validation of debt. I then looked at my credit report and began to suspect false information. Prior to checking my credit report, I offered the company Navient a settlement, to which they replied with a bill statement. I then looked at my credit report and began to suspect false information. At that point, I inquired for a validation of debt, communicating concerns. The company replied to me they had done an, " internal investigation and validated that I in fact owed them alleged amount. '' They did not send me a validation letter as requested. I am concerned that they are illegally collecting a debt from me, as I am a legal resident of the state of XXXX, and understand that in the State of XXXX, debts older than 6-10 years are no longer supposed to impact current credit standing. The alleged debt is from XX/XX/XXXX and I do not recall being the said party that signed on alleged debts and am simply trying to validate I am in fact the obligated party, with original documents with wet signature, and not being pursued for someone else 's debt/fraudulent activity. In XX/XX/XXXX, I was new to the state of XXXX, XXXX and starting school at a XXXX college. At that point anyone could have received my information and done illegal activity. I am now XXXX and questioning this validity. Last year, XX/XX/XXXX, they initiated a call with me stating, " you owe us money, we are a debt collector, it is in reference to your student loans, we want to help you, we will help you by putting you on a reduced monthly payment plan, but you have to do it now. '' So I agreed, understanding I was in default status with student loans and trying to do the right thing. However, now I am questioning the validity of all this. Again, if I am truly the obligated party and this is in fact my debt, I will continue to resolve alleged debt. However, the company is not confirming it is my debt, simply telling me I owe them money for a student loan with no original documentation of alleged obligation and reporting it to multiple credit reporting agencies. I have tried to contact them on multiple occasions and am now concerned that it is an infringement on my rights and the information is false, as it has not been validated, thus, negatively impacting my credit score and standing. Please help me resolve this situation and have this false report removed from appropriate records.

Company response to consumer: Closed with explanation