BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: ENCORE CAPITAL GROUP 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:
I have filed a dispute regarding the incorrect items on my credit report it has been over 30 days and I havent received any results of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXXcalled Chase Bank to enter in a fraud claim for a moving truck company, XXXX XXXX XXXX  ( fraud claim number XXXX ) and spoke with XXXX. Explained XXXX XXXX  company never sent a bill and kept trying to charge my checking account for different amounts that was outside the parameters of the signed agreement. XXXX informed me that the overdraft amount and fee would be reversed. Also requested that the debit card be closed to prevent any future charges until the vendor and I could come to terms of agreement. On XX/XX/24, called back to Chase and spoke with XXXX who confirmed that my account has been closed and debited by XXXX XXXX for over {$2000.00}. Never received any follow up correspondence from Chase or XXXX XXXX. Chase called weeks later informed my account is in the overdrawn state and closed out. Unable to resolve as I never authorized this from the vendor and the vendor never presented final bill when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV Funding placed a new account on my credit report. However, they never sent me any notification according to GA state Laws. I never knew this debt existed with this company. They never sent a notice explains the account in collection owned by them, any balances, etc. This is illegal. 

When I contacted the company on XX/XX/2020 they placed me on hold and never came back to the phone. As if they knew this was illegal. I disputed this account with the credit bureau on XX/XX/2020. 

I request that LVNV Funding remove this account from my credit immediately and cease and desist all collection activity after theyve intentionally violated the law with their illegal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-03-16
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
xeter has been reporting late payment on my account since XXXX XXXX. I contacted them XX/XX/2022 and spoke with someone and they provided me with a payment extension for XX/XX/XXXX & XX/XX/XXXX, they sent the form on XX/XX/2022 and I signed the form on XX/XX/2022. I checked my credit recently and I see that it has been reporting late XXXX, XXXX, XXXX XXXX, and XXXX. I called and was told I needed to email the report and forms showing where I did sign, I did that and was told it had to be sent via the portal. I then submitted the forms via the portal. I was then told it needed to be mailed in to disputed. I disputed the issues with all credit reporting agencies, providing the signed form and stating that it was submitted so I don't understand how it late. I received a letter back from Exeter stating nothing would be updated, the late payments were staying. I then called Exeter and explained the situation and was told the extension was not applied because it was never received and that is why the late payments are remaining. Exeter agent basically insisted I never completed the form. I then contacted the company XXXX XXXX and confirmed in fact I did sign the form and it was sent to me on XX/XX/2022, and then submitted to them on XX/XX/2022. I had XXXXXXXX XXXXXXXX email this along with forwarding over the confirmation email that was sent on that day when I signed. I emailed all this information to Exeter again and was told to send via portal. I then sent via the portal then I was told told this should be handled by the phone. I called Exeter back once agin and the first agent stated I should be emailing customer service about this, I explained I had done this, he too insisted well I didn't submit the form and it was my responsibility to make sure the form was received, even though I received a confirmation email that came from XXXX @ XXXX that the form was completed and sent. No one is trying to assist or look into the issue with their system, I need help addressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My credit report with Transunion incorrectly shows I missed four mortgage payments after my Chapter XXXX repayment plan completed. I contacted XXXX XXXX XXXX and they acknowledged the mistake. XXXX was updated and now shows the correct payment history. Transunion still shows four missed payments. I have filed multiple disputes with Transunion and they have refused to correct the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ALL 3 " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered into a Forbearance program under the CARES Act with The XXXX XXXX XXXX  in XX/XX/XXXX. My Forbearance extension was approved in XX/XX/XXXX through XX/XX/XXXX, with regular monthly payments scheduled to resume in XX/XX/XXXX. On XXXX XXXX XXXX  my loan was transferred to PHH mortgage. I contacted PHH Mortgage on XXXX XXXX XXXX to confirm my loan was still under the Forbearance program and the representative I spoke to confirmed the terms of my forbearance did not change upon transfer. In XXXX XXXX I received a loan modification letter from PHH that changed the agreement and the terms I had with The XXXX XXXXXXXX XXXX  my previous servicer. The letter I received from PHH mortgage required payment due a month earlier and extended my term from 30 years to 40 years with no alternate options for exiting the forbearance program under the CARES Act. I contacted PHH mortgage in XXXX XXXX to ask that they honor the forbearance agreement I had with my previous servicer prior to loan transfer. PHH requested documentation confirming I was on a forbearance program at the time the loan was transferred and advised if I didn't go along with the agreement they would kick me out of the " trial modification ''. In fear of what would happen if I didn't follow their request, I made my XXXX payment. On XX/XX/XXXX I received an email from The XXXX XXXXXXXX XXXX indicating with the transfer of my loan I was removed from forbearance unbeknownst to me.I received a second letter with conflicting information on XXXX XXXX XXXX from PHH mortgage. This letter verified as of XX/XX/XXXX I was on an approved forbearance agreement that was cancelled due to an incomplete application that was submitted 16 months prior. I was never notified the application I submitted 16 months prior was incomplete. On XX/XX/XXXX I attempted to make my regular monthly minimum payment with PHH mortgage and they will only accept a payment of $ XXXX. As of XX/XX/XXXX I was told I have to make an appointment with my Relationship Manager to discuss further options, however the soonest appointment he has available is XXXX XXXX XXXX As of XXXX XXXX XXXX  I received another letter from PHH indicating the only option I have is to short sale my home. I feel I am being discriminated against and being bullied into losing my home. When I entered into forbearance in XX/XX/XXXX I was told I would have three options upon exiting forbearance to keep my loan in good standing. PHH never presented me with those options. Please investigate the unfair, deceptive and bullying business practices conducted by PHH Mortgage and The XXXX XXXXXXXX XXXX  as they are in direct violation of RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted 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
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX  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 2018-08-10
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:
On XX/XX/XXXX I called XXXX XXXX, XXXX, Experian to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.

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 2023-05-26
Company: Start Connecting dba USA Student Debt Relief
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2023 we were contacted by USA Student Debt Relief by XXXX XXXX who is a Representative for this company. Other names we had contact was XXXX XXXX. His direct line phone number is XXXX. He made a good sales pitch and we applied for their program. We then received on XX/XX/2023 from the U.S. Department of Education stating that there was fraudulent activity on our student loans. We sent him our information to apply for the loan and was approved. After we got the e-mail from the federal government we were concerned about fraud. We were told by XXXX XXXX that we needed to pay {$190.00} a month that would go directly to their company for 4 months then {$9.00} a month for the life of the loan after the first 4 payments. We became suspicious about this and called him to cancel the loan. The company didn't explain to us how this would work. We took all the precautions and necessary to stop payment to this company. I hope this will help people to not fall for this scam!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
****SEE ATTACHMENTS PLEASE**** For the last few months, I pointed out couple of errors, misleading, incomplete and multiple inaccuracies how my name are mixed misspelled, wrong addresses, inconsistent with several accounts and Ive asked that you investigate and delete. These accounts are not verifiable under section of 609 of FRCA and therefore I need them all DELETED effective today. 

The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are 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 2023-05-31
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:
Good evening I wan na report Experians false and inaccurate and miss use of my credit profile for the account with XXXX  in the amount of {$100.00} they are accusing me of opening, I have already disputed this with them and they are accusing me that this account is accurate when it is not I have never opened any account with XXXX  in the amount of {$100.00} I recently just spoke to an representative with XXXX  named XXXX XXXX on XX/XX/23 at approximately XXXX on a recorded line and the representative even stated there was no account linked with my personal email, phone number and current address this is also not the first time I contacted XXXX  about this I also spoke to a representative on XX/XX/23 named XXXX XXXX Who also stated on the recorded line the same exact thing as well she even stated in email that there is no account linked with my personal email to this account I am now requesting full proof proving as well as my original wet signature that I took out such loan Experian is not being in FCRA compliance this is not the first time that they have reported false and not accurate credit reporting on my profile I have already waited 30 days for this to be resolved and Im not waiting any longer for them to fix this error in my credit report this account needs to be removed immediately and expedite this process fast as possible

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted 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