BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have constantly dispute with this company. This company has failed to respond to my affidavit that I sent them, and they are boldly violating my federally protected consumer rights. They have been consistently reporting inaccurate account information on my consumer report for both Transunion and XXXX. When I hold them accountable, they refuse to comply. This company is willfully negligent. They consistently blame the consumer reporting agencies and state that XXXX and Transunion are responsible for the inaccurate credit reporting when the debt collector is in fact the new data furnisher who bought the alleged debt and is putting it on my credit profile. This company is more concerned with money so much that they are stepping on my federally protected rights while attempting to collect it. I have filed multiple complaints against this company to no avail. This company is also reporting a closed account as open on my report. I have disputed against this company multiple times with viable proof. I'm requesting the deletion of this account for violation of the FCRA under 15 USC 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-11-19
Company: Self Financial Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally dispute late payments reflected on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX associated with the account opened with XXXX XXXX Self Lender Account Number : XXXX, Loan Number : XXXX, CD : Number XXXX. The account in question was initiated on XX/XX/XXXX, and closed on XX/XX/XXXX. 

The late payments reported on my account were a direct consequence of the post-pandemic financial hardships that significantly impacted my ability to fulfill financial obligations during that period. I am disputing these late payments as they do not accurately reflect my financial responsibility or creditworthiness, and they were a result of extenuating circumstances beyond my control. 

Moreover, I wish to highlight that the reported late payments go against specific provisions outlined in the Gramm-Leach-Bliley Act ( 15 USC 1681 ), which protects consumer privacy and imposes restrictions on consumer reporting agencies. Specifically, 15 USC 1681 Sections 602 and 604A ( 2 ) ensure the right to privacy and prohibit the furnishing of information without explicit written instructions.

Additionally, as per 15 USCS 1666b, creditors are prohibited from treating payments on credit card accounts as late for any purpose without just cause. The inaccuracies in my consumer report have unfairly impacted my financial standing and are a breach of my rights under this statute. 

The inaccuracies in my credit report, specifically the reporting of late payments during this challenging period, have unfairly restrained my ability to access fair credit terms, constituting a restraint of trade. 

Therefore, I kindly request a thorough investigation into these discrepancies and the removal of the inaccurate late payments from my credit report in compliance with the aforementioned statutes. I seek a fair and accurate representation of my credit history in accordance with the law. 

Please provide me with written documentation of the investigation 's results and any corrective actions taken. 

I want to emphasize that I am prepared to take legal action to protect my rights in the event that these inaccuracies are not addressed satisfactorily and in compliance with the law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: MOHELA
State: CT
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:
In XXXX I obtained a private loan to pay down a Parent Plus loan with the federal government. During that time my account was going through consolidation. The total amounts to be consolidated was reduced by student aid.gov to {$61000.00}. The private loan company sent Mohela {$45000.00}. Balance should be {$15000.00}. Mohela is still showing a balance of {$61000.00} plus interest. It is in forbearance but the interest is still accumulating. I have called multiple times since XXXX to ask them to clear up my account so I can begin paying down what I actually own. 
XX/XX/XXXX - XXXX stated it was being reviewed to reapply it the consolidated loan and it should be fixed by XX/XX/XXXX. 
XXXX - XXXX spoke to supervisor XXXX who stated stated it was sent to a supervisor for review. 
XX/XX/XXXX - XXXX stated the request was incorrect and they had to request a pre-conversion review. She believes the {$45000.00} was applied to older loans. This request has to go to the Federal Accounts Department. 
***All of my older loans were paid that is why I only consolidated 3 loans. 
I also spoke to XXXX on XX/XX/XXXX who stated it should have been corrected in XXXX as well. 
Now I have a private loan plus the federal parent plus loans which the balance is not correct. 
I also have a opened a compliant with my state senator, the ombudsman and student aid.gov. 
I would like to make a formal compliant to show I have tried multiple times to get this issue corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
American Express was asked to remove the inquiry form my consumer reports ( XXXX, XXXX and XXXX ) because I did not give them permissible Purpose furnish my report. This company did not investigate, submit the written instructions or delete the inquiry on sent a letter of denial. 

This Act is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The letter of denial does not show that I was the one who submitted the application and gave them permissible purpose to furnish my account. I did not give my information to American Express and I want these inquiries to be removed off my account immediately.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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: 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, 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 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally complain about the treatment I have received from JetBlue Barclays XXXX Credit Card. I have communicated my financial hardship, stemming from the pandemic and a 50 % loss of income since obtaining this card, to the company. 

I am currently facing an interest rate of 29.99 %, the highest among all my credit cards. Despite multiple attempts to negotiate the APR with the company, I have encountered no success. 

Despite my consistent efforts to make payments, I recently faced a reduction in my credit limit, resulting in a sudden XXXX drop in my credit score.

In addition, I have encountered several issues, including excessive fees, inconsistent interest rates, and inadequate customer service. In the year 2023 alone, I incurred {$98.00} in return payment fees and an astonishing {$350.00} in interest rate charges. 

As of my statement balance on XX/XX/, which was {$1600.00}, I have diligently reduced my outstanding balance to {$590.00}. 

I am seeking your assistance in conducting a prompt investigation into these matters to ensure fair and transparent financial practices. Your attention to this urgent issue is greatly appreciated. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 never had a single late payment on XXXX of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification from Portfolio Recovery Associates, they claim I owed a debt to XXXX XXXX. I have sent three certified letters and they have signed the return receipts, requesting my signed original contract and proof of their license to do debt collection in Virginia. 

They told me that my request was " frivolous '' and they on their end, have proved " validity '' of the debt. They have not provided me that validity nor the signed original contract or proof of the license to collect in Virginia. 

They have now added a collection to my credit report without any further contact and I believe that is illegal under the XXXX in Virginia. Again, I sent XXXX certified letters requesting the information to validate the debt and not once have they sent the signed original contract or the proof of their license to collect in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My complaint is against XXXX and Mohela. 

During the last week in XXXX, I spoke with a representative from XXXX about the SAVE program and I decided to apply because the rep explained its benefits. The federal government is touting how easy SAVE is, but lenders like XXXX are not making it easy. I applied for SAVE manually because I am making less money than last years XXXX. XXXX requested I submit my paystub to them, even though I already submitted to studentaid.gov. The XXXX website wasnt allowing me to upload the documents, so I submitted to the email they provided. I never got a confirmation. So, days later, the site was back up so I submitted again. They said they received the application on XXXX and it would take XXXX days. I received an email today that it would take another XXXX days from today. I feel like lenders are stalling so that borrowers are forced to pay higher payments and higher interest. 

Regarding Mohela : I had to go to XXXX to learn how to bypass their automated system. I applied for PSLF last year, received a confirmation letter, and never heard anything. I couldnt reach Mohela because you need account information to bypass the phone system, but I never got an account because I finally learned there was an issue with my application. Wait times are so long that I took a day off work on Monday to try to get these things figured out and they are so far from being figured out its insane. 

These lenders are taking advantage of us and breaking us down and they must be held accountable. I have filed XXXX complaints on studentaid.gov and I contacted my Congressperson as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA
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:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have applied for a loan modification with Select Portfolio Servicing ( SPS ) in XXXX of XXXX and was approved. However the payment I was approved was {$10000.00} a month which I believe is egrecious and predatory. The loan amount is only {$580.00}. 
I'm not sure if the payment is so high due to race because I'm an XXXX or they are just trying to take my house. 
My wife and I both experienced covid and fell behind. We are now both back to work. 
I would like to work with them and work out a more affordable and reasonable payment. 
We would really like to stay in our house, Any assistance you can give in regards to this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Well I made a dispute with Wells Fargo regarding a {$4000.00} transaction with a merchant I made a purchase through but I didn't receive the product as promised so I reached out to the merchant to see if we can come to a resolution of a refund the merchant declined and then cut me from all of the services I have paid for and so I follow it up with Wells Fargo which to make a dispute regarding this issue and I was denied from Wells Fargo about this dispute as of yesterday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Lendmark Financial Services
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lendmark Financial in XXXX XXXX has repeatedly called me, my place of employment, my relatives over and over and over. When I contacted them to tell them to stop, they said I should have told them I'm in a debt collection program. But as per instructed by my debt collection company, XXXX XXXX, I was not returning calls. But it got to the point of harassment. When I said, I didn't have to tell them and to send it to collections if they have to and the company would take care of it, she said it would be too late by then. XXXX, at the location on XXXX XXXX I believe said ok, we'll go ahead and send it to our attorneys and they'll garnish wages or whatever they have to and continued talking over me. I told her in a not so nice way to stop talking. I said one profane word and she said " oh, aren't you a teacher '' as if threatening to call my work and report some sort of behavior. This is ridiculous. I'm not sure how people like her even get in supervisor roles. The number to my debt relief company was updated to my profile for Lendmark Financial, yet, they have not called that number and continue to harass me at work, personally and my relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my consumer rights : XXXX/DEPT OF EDU # XXXX XXXX /DEPT OF EDU # XXXX 15 U.S.C. 1681 Section 602A : states that I have right to privacy.

15 U.S.C. 1681 Section 604 A Section II : states that a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation