BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: MOHELA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm XX/XX/XXXX Mohela and XXXX. XXXX XXXX XXXX spoke with the Unites State Bankruptcy Court regarding his student loan debt being discharge in his bankruptcy after proper notice was sent to the Department of Education. 

The clerk of the court inform Mohela and XXXX. XXXX that the debt was discharge and that the department of education was a given notice of the bankruptcy discharge order concerning the amount in the attached document in schedule F. 

The department of education didn't file a objective or appear in court regarding the debt and due to XXXX. XXXX hardship due to his former employee going bankruptcy the student loan was included in the amount listed in docket entry number 12 which is the chapter XXXX trustee report of the amount that was discharge. 

Mohela hasn't review the court bankruptcy petition nor has reach out to the department of education general counsel to verify the debt under the fair credit report act. 

XXXX. XXXX has spoken with multiple employee at the clerk office and was told that the department of education was given notice of the bankruptcy discharge of the debt in schedule F. 

Due to XXXX. XXXX race Mohela has signed a document stated that they need court document which are included in pacer.gov which they can review. 

Mohela can also reach out to the chapter XXXX trustee regarding XXXX. XXXX hardship in connection with documents entry 12. 

XXXX a employee from mohela was on the phone at all time when the clerk information her and XXXX. XXXX that the debt was discharge and notice was given to the department of education who didn't file an objective. Therefore no adversary proceeding was need when the credit did show up or object to the debt As a matter of face the department of education has given XXXX. XXXX permission to amend his complaint to include Mohela as a defendant. This consent was given by the United States Attorney General XXXX XXXX.See XXXX XXXX v. new york state higher education services corp., 831 f.2d 395 ( 2d cir. 1987 ) regarding hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX pa XXXX Email XXXX Account 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding The deletion of this account listed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 first complaint is with Transunion on removing a collection that Cfpb investigated and the collection agency agreed to remove the collection. Transunion has not removed this after the collection agency asked them to. I have disputed it with transition numerous times and each time they keep it on.

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 2022-11-16
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX ) The mortgage servicer Specialized Loan Services, LLC has denied the review of Mortgage Assistance and set a scheduled foreclosure sale date for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specialized Loan Services, LLC provided correspondence that our application for Loss Mitigation was completed on XX/XX/XXXX. In this same letter, it states they are currently in review and that no foreclosure sale dates would be scheduled while the application is in the review process. This correspondence was dated Friday, XX/XX/XXXX. 



XXXX XXXX Specialized Loan Services, LLC generated correspondence on Monday, XX/XX/XXXX, denying the Loss Mitigation Application stating Ineligible for modification due to the inability to reduce payment. A decision was determined in less than XXXX business days and a sale date was immediately placed on the account. This brings to question the process SLS used to evaluate application. In less than XXXX business SLS states they thoroughly reviewed application for workout assistance. 

XXXX XXXX Specialized Loan Services, XXXX also states in the XX/XX/XXXX, correspondence that we were approved for XXXX other loss mitigation options. These options were a Short Sale and Deed in Lieu. In addition, the correspondence stated that we were eligible for a second-level review and that documentation must be submitted by XX/XX/XXXX. We provided all documentation for a second time on XX/XX/XXXX. Instead of honoring the information in correspondence, SLS denied the application stating an application could not be accepted because of the scheduled foreclosure sale date. 

XXXX XXXX Specialized Loan Services, LLC is consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 


XXXX XXXX Specialized Loan Services, LLC stated that we were approved for XXXX workout options and eligible for XXXX level review ; however instead they scheduled a sale date for XX/XX/XXXX, and continue to move forward with the sale date. This is a clear example of the term Bait and Switch and consistent with the prohibited practice of Dual Tracking. 

XXXX XXXX Specialized Loan Services, LLC practices violate federal law ( 12 C.F.R. 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.

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 2023-11-25
Company: Kriya Capital, LLC
State: VA
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 ( FCRA ), the following companies have violated my rights : Credence Resource Management- XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I used to have a bluebird by American Express prepaid debit card with this company under my married name. I recently got my divorce finalized and went back to my maiden name and instead of changing my last name. I choose to close my accounts and reopen them in my maiden name last name just in case they were linked to anything else. Just to save myself the headache. I even wanted a little bit before trying to open account under my maiden name to give the system time to close them and clear them. At this point I was still being denied. I spoke with customer support to find out why and the gentlemens never gave me a reason. But I never recieve a reason by mail why I was denied/not approved. If they need me to verify my name change I can provide that but they cant give me a number or email to contact to see how to get this issue resolved. I spoke to a department manager on XXXX and she couldnt give me answers just keeps telling me to register the card which the system wont allow me to do. I spoke to an employee about a week ago who told me I could get a card from XXXX and register it that way, which I did on XXXX and its still wont allow me online access. So now I have a card that I cant get my money off of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Comenity has not reported updated balance information to credit bureaus for my XXXX store card since XX/XX/2022 or earlier. As a result, the {$0.00} balance on my credit card is showing as a balance over {$23000.00} on credit reports, causing significant negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: Credit Bureau of Carbon County
State: CO
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 dispute on XXXX with certified mail tracking numbers requesting a company called collection center of WY remove a claim for a collection action on my report on XX/XX/19. I had mailed a certified letter tracking number XXXX which collection center of WY had received by never responded to my request. Within 10 minutes the collection center of WY was removed from my credit score. 

On XXXX collection center of WY refiled the collection notice. I disputed again because I have not received ANY PROOF OF DEBT. XXXX investigated the dispute and claimed they recieved proof of debt. I called XXXX and XXXX refuses to show me proof of debt. 

I feel this is fraud and a scam on the collection center of WY and XXXX because there has be NO PROOF sent to me to verify the debt and I request help in having XXXX  remove this from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I was monitoring my credit and I see companies reporting inaccuracies on my credit profile, cause my scores to stay low and making things difficult for me. Also the companies haven't responded to me regarding my dispute letters. Credit card identity identity XXXX XXXX And ARS account resolution ( medical collections )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection on my credit report for a hospital bill that I never remembered receiving treatment it says from XX/XX/2014. 

I disputed this with the credit bureaus and they stated that it was my account and verified. Then they sent me a letter saying a bunch of medical procedures and drugs that the hospital gave me as well as an itemization of everything I allegedly had that was treated for. 

Noted, there are XXXX family members that have the same name as mine only difference is our middle initial. I never received ANYTHING from this company prior at my mailing address. 

I believe rights were also violated per HIPPA since they listed medications, and what the charges were. This debt has never been proven to be mine but any 3rd party collection shouldn't be sending me an alleged bill stating that I take XXXX which is a narcotic. I'm embarrassed that there is a document with my name on it with all these services and medications listed. I am seeking a lawyer to remedy the legal aspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-09-17
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In response to an online application for a credit card, I received a letter dated XX/XX/2022 from Barclays stating that my application was denied because of a negative credit history with their company. 

I sent a letter to Barclays on XX/XX/2022 stating that I had no negative credit history with their company -- in fact with no company -- and asking for further details so that I could understand their records and have the opportunity to resolve the incorrect information. 

I have not had a response from Barclays.

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 2019-05-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX credit card charged off in XXXX. Fast forward to XXXX XXXX XXXX kept the account open and started reporting 90 day lates on my credit report for Equifax and XXXX totaling 24 90 day lates for each bureau. I contacted XXXX XXXX to intervene back in XXXX of XXXX in which I'm pretty sure they got it removed but XXXX XXXX  eventually put this back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America sold our loan in XX/XX/2016 to XXXX. XXXX changed the status on the new loan to reflect late charges when the loan was with Bank of America. Then Bank of America changed the name of the mortgage to XXXX as well. Both companies and the credit bureau have cause over 100 point drop in my score because of their wanton and malicious double and inaccurate report of my credit. This change was made as retaliation against my wife and I for holding Bank of America responsible for not offering the Partial Claim on our mortgage before we instructed to not make payments for nearly a year -this destroying our credit. They were required by Federal Law to offer the partial claim, Year did not until nearly a year later. Now that we are holding them accountable, they have double reported delinquency on both an account that was past due and an account that was new and closed. Either Bank of America or XXXX or both MUST correct my credit report. This is outrageous.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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