BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My issue is with XXXX Synchrony Bank credit card. I reached out to CFPB regarding a settlement but XXXX refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. 

I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, L.P. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible lawsuit.

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 2021-10-06
Company: Experian Information Solutions Inc.
State: CA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts

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 2021-08-26
Company: Experian Information Solutions Inc.
State: MI
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:
Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed 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
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I ask Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and PORTFOLIO RECOVERY. However, they stated that everything was complete and accurate. But how is this possible when these companies, when 1099c was accepted and sent to each creditor, and Transunion are still reporting adverse accounts? I have evidence to prove my case. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that are not reporting correctly.15 USC 1681, SECTION 602 ( a ) 15 USC 1681, SECTION 604 a. I will notify the IRS of these actions.

Company response to consumer: In progress
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I want you to know that I have been mailing out letters to the credit bureaus about inaccurate information I found on my credit report. 60 days have passed and they have not responded to my letters. This is getting really frustrating. Section 611 ( a ), clearly indicated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. If so, why are those inaccurate data still hanging aroung my credit report when they should have already been deleted as stated above. I can't tell you how stressful this has been to me and I urge you to PLEASE assist me and resolve this once and for all. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a customer of Citibank since XXXX and have never missed a payment on my credit card or used any services other than making purchases and consistently pay significantly before the due date each month. However, I received a notice in my email that based on an XXXX credit report that Citibank has made a business decision to lower my credit limit from {$2400.00} to {$1700.00}. The purpose of this complaint is to expose this bank 's unprincipled business action and total disregard just for basic customer service. My response to Citibank 's action about my account is to close it and pay off the balance due of {$1700.00}.

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 non-monetary relief
Consumer complaint received 2023-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed company a letter, certified mail on XX/XX/XXXX to Portfolio Recovery Associates, requesting they validate the alledged debt. I requested they send me a copy of the contract or agreement. I also requested that they cease and desist all collection action. 

On XX/XX/XXXX, PRA sent a letter showing they now own the account. Also credit card statements from XXXX. None of this information, meets the qualifications of validation of the debt. 

I mailed the company a letter, certified mail on XX/XX/XXXX, stating that they failed to send me the requested information, they also failed to cease and desist all collection activities because the debt still shows on my credit report. 

It has been over two months and they have not responded. 

Their failure to comply has cause me undue stress, frustration, and credit damage and they are not adhering to my rights under FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
It has been more than 30 days since I mailed out letters about unknown things on my credit report to the bureaus. Up until now I still got those unknown things on my credit report, they did not do anything about my complaint. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: MOHELA
State: NJ
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 applied for student loan forgiveness under the TEPSLF program in mid-XXXX XXXX after reaching my ten-year anniversary of service at my regional public university XXXX XXXX XXXX XXXX XXXX XXXX I have been repaying student loans since at least XX/XX/XXXX, so I should have more than enough qualifying payments for the program as well. However, MOHELA, my current loan servicer has initially disqualified all those past payments by claiming that I was paid ahead on my payments due every month and therefore I did not received monthly billing. My stance is that I made the necessary payments under my graduated repayment plan regardless of whether I paid a bit ahead or not. 

My prior loan servicer - XXXX XXXX XXXX- did not do anything with my TEPSLF application between XXXX and XXXX XXXX. In XX/XX/XXXX, my {$26000.00} in remaining loan principal ( {$24000.00} DL consolidation subsidized + {$1900.00} DL consolidation unsubsidized ) was transferred to MOHELA for PSLF/TEPSLF processing. 

MOHELA has entered my loans ( inaccurately, I believe ) into their system, but they have only counted 31 qualifying payments toward each respective loan covering the period during the pandemic. When I reached out to MOHELA twice in early XX/XX/XXXX, I was told that my payments between XXXX did not count because I was always in " paid ahead status. '' This " paid ahead status '' is penalized under income driven plans, but I was on an entirely different repayment plan for graduated repayment. Regardless of whether I technically paid ahead I surely made the minimum payments each month, so these payments should be reclassified as qualified payments. 

In addition to the 31 payments per loan that MOHELA is counting for the pandemic, there are 114 combined payments MOHELA does not count between XX/XX/XXXX and XX/XX/XXXX, deeming that " no bill was due for the period. '' Additionally, MOHELA has no record of my repayments between XX/XX/XXXX and XX/XX/XXXX, which appears to be a flat out error and omission ( I'm listed as having one payment in XX/XX/XXXX which oddly does not qualify somehow as a qualifed repayment ). 

In my XXXX calls to MOHELA, I requested a hand recount of my qualifying payments under TEPSLF rules, and I was told to wait six weeks. MOHELA 's answer always seems to be wait, wait, wait. Could you at CFPB encourage MOHELA to expedite my recount and permit me to get to the point where I can appeal any faulty decision by MOHELA henceforth? I've seen from other posts of borrowers that they might wait many months or even years for such redesignations. 

Thank you very much, and I look forward to your reply and any follow up questions you may have. 

XXXX 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 2022-11-19
Company: Radius Global Solutions LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received email notice from XXXX dated XX/XX/XXXX, at XXXX XXXX  EST, stating my personal account information was transferred to Radius Global Solutions. That XXXX provided them with my personal email address, so they can communicate with me about an alleged debt. I have no contract with Radius Global Solutions. XXXX is communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). By XXXX even communicating with a third party and sharing my personal information is a violation of my privacy per the Privacy Act of XXXX. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.

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 2021-10-05
Company: EQUIFAX, 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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have also attached a copy of an Identity Theft report for XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-05-17
Company: FIRST PORTFOLIO SERVICING 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:
XXXX XXXX/REVVI XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Remove it from my credit report. XXXX and this creditor are both in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX and the attorney general as well. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXXREVVI can not supply this information and proceed to just continue reporting this fraudulent account ; directly violating my rights as a consumer that I am entitled to per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was advised by a TransUnion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. Then copy all the inquiries. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and reporting false information to future creditors. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, CERTIFIED CREDIT REPOR XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2023-07-06
Company: W&A Intermediate Co., LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
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. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX A Account # XXXX has violated my rights.

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

15 U.S.C. 1681 section 602 A. Section 2 : It 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 items of information, other than records of conviction 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 explanation
Consumer complaint received 2022-06-14
Company: Prince Parker & Associates
State: MN
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2021-10-06
Company: KLS Financial Services, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for debt validation in the company via certified mail, they received it on XXXX XXXX2021. They responded a letter print out " validating the debt '' Its clearly something that can be printed or typed in the computer. That is not a proper documents to validate the debt {$150.00}. It is damaging my credit file. I then again follow up few more letter every 30 days, but they never gave me what I am asking for and they continue to report it to the credit bureaus. This is a violation by FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid y HELOC on XX/XX/XXXX, and get at least 5 phone calls a week from the company regarding the account saying I owe for the month of XXXX. I called and told them the date my account was debited, never had issues before, they responded by telling me I need to contact my bank, ( but my account shows the bank did nothing wrong ) and find out where the payment is. They asked me to send them a bank statement but my bank statement is none of their business as it contains much more than one transaction to their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Also I received your computer-generated letter stating that you not proceed with my investigation on my credit because in their opinion the letters were sent out by a third-party credit repair agency. I believe it to be a blatant violation of the FCRA. I submitted my government issued ID, social security card, as well as mail showing proof of address. I feel this was a stall tactic on their end to hinder me from being about to question the inaccuracy of this item on my credit report. I was the one that written the and mail them out not a third-part. Please have them verity the accuracy of this account and send me a proof of the master promissory note or signed contract regarding this XXXX XXXX - XXXX

Company response to consumer: Closed with explanation