BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: ENCORE CAPITAL GROUP 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, Midland Credit ManagementXXXX XXXX  Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : CFPB COMPLAINT # XXXX AND XXXX LoanDepot responded to both these complaints with misinformation. I was told by their employees that when I was ready to come out of forbearance to call them before the end of the month I was coming out. Since I wanted to end it at the end of XXXX 2021, U called them on XX/XX/2021 and informed them that I was going to leave forbearance at the end of the month. They decided to make the date XX/XX/2021 instead of XX/XX/2021. Some of their documents use both dates. The other issue I have is that in their response they told me underwriting never reviewed my application due to their oversight and now I will need to reapply with a new application. When I call and speak to their reps on the phone, I am told all I need are a few more documents ( bank statements and an HOA letter ). They told me I do not need a new application. Who am I to believe? It has been almost three months of inaction on their part and now this misinformation. No one knows what is going on. In their letters they say they are there to help in times of need, is this the kind of help they deliver to their customers in times of need??? I feel that their inaction and cover-ups need to be looked into. I know they are a large company but they need to do what they promised and help us through this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently tried opening a bank account and was denied due to reporting by XXXX XXXX XXXX. 
Several accounts came up on my report. 
1 ) XXXX XXXX  Account Number : XXXX 2 ) XXXX XXXX Account Number : XXXX 3 ) XXXX XXXX Account Number : XXXX These accounts are fraudulent are a violation of my rights. I have included an identity theft report # XXXX as well as a copy of my drivers license and social for proof of identity. 
These items are Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Upstart Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX around XXXX Arizona pst time XXXX loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX my time! But they always do! I have The screen shots of missed calls to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
I opened an credit card account with XXXX XXXX ( part of XXXXXXXX XXXX ) in XX/XX/XXXX. 
In XX/XX/XXXX, I was informed that this company is rebranding as XXXX and I'll be getting a new card to my mailing address. I never got one. 

In XX/XX/XXXX, my email address and phone number was hacked, and I lost access to my XXXX account. XXXX does not recognize me anymore ( as the imposter changed the mailing address and phone number ). XXXX customer service will not speak to me as they believe I'm the imposter. There were no other ways of reaching XXXX except a phone or their online portal ( none of which I had access to after my account was hacked ). 

The problem i'm facing now is poor payment history - XXXX reported 120 days of late payment to credit bureaus. How can someone make a payment when the institution is unable to authenticate the caller? I had no ways of making payment as I was victim of identity theft.

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 2022-01-20
Company: Frost-Arnett Company
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Frost-Arnett Company , are debt collectors attempting to collect a medical debt {$640.00} ( or any variations ) on behalf XXXX XXXX XXXX XXXX XXXX I have not received any services from Frost-Arnett Company , I am not a party to their agreement XXXX XXXX XXXX XXXX XXXX I have not agreed to pay/ tender anything to Frost-Arnett Company , I have not provided any releases of my medical information to Frost-Arnett Company, and I have no idea how Frost-Arnett Company obtained my private medical information .

Frost-Arnett Company , violated my H.I.P.P.A. rights and are attempting to collect on an alleged debt that does not belong to me. This alleged debt was SOLD/TRANSFERRED to Frost-Arnett Company XXXX 
Frost-Arnett Company failed to provide the accounting in accordance with G.A.A.P. Frost-Arnett Company failed to furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. Frost-Arnett Company failed to Furnish the name, address, and telephone number of the authorized representative that purchased this alleged debt. 
As per the XXXX XXXX XXXX XXXX  Frost-Arnett Company continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Lockhart, Morris & Montgomery Inc.
State: CA
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 Convergent XXXX, XXXX, ACCOUNT- XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX-2022 i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights- 2- ( XXXX XXXX XXXX # XXXX XXXX Has XXXX my rights- 3- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 4- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 5- ( XXXX XXXX # XXXX ) Has violated my rights

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 2023-11-04
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On yesterday XX/XX/XXXX, I spoke with a representative of FedLoan Servicing. Unfortunately, she informed me I have been a victim of a fraudulent company drafting funds from my bank account for the last 2 years. I would like to file a formal complaint against FedLoan Servicing, because this ordeal began when my loan information was apparently released to the fraudulent company, who initially contacted me via US Mail. At the time, I was a novice to the student loan repayment process. Due to the negligence of FedLoan Servicing, I became a victim of this deceitful company. 
In XX/XX/XXXX, I received a letter in the mail from the " XXXX '' regarding a loan consolidation program I qualified for based on the Health Care and Education Affordability Reconciliation Act of XX/XX/XXXX. Several months later, I called the number listed on the letter XXXX and spoke with a representative XXXX. XXXX had all of the information about my student loans including the amounts owed and lenders information. After speaking with XXXX, I spoke with another representative XXXX, both provided direct numbers for contact [ XXXX XXXX and XXXX XXXX ]. They each had valid information about my student loans, and convinced me I should verify my identity and sign up for this opportunity before it expired. They then drafted 3 installments of {$230.00} to the XXXX XXXX XXXX, CA XXXX for enrollment into the consolidation program. On XX/XX/XXXX, I received confirmation of the automated bank drafts from XXXX XXXX XXXX, OK XXXX ( website : XXXX ). The company also required I allow XXXX ( XXXX ) to monitor my Income Based Repayment Plan and re-certification for the automated draft amount of {$29.00} a month. Sadly, I have been paying this company for almost 2 years now. 
Upon learning of the scam, I immediately contacted my banking institution and stopped all future drafts from the company. I also filed a claim with my banking institution, placed an alert on my credit report, and filed a complaint with the Federal Trade Commission ( reference number XXXX ). I would like this situation be resolved and to receive restitution for my financial loss. Please reply with the following : 1. ) How did this company acquire my loan information? and my mailing address? I did not contact this company, I did not provide my student loan information to them, yet somehow they had this information 2. ) I need someone from FedLoan Servicing to guarantee these people can not contact me or access my information in the future? 
3. ) Can the FedLoan Serving reimburse me for the monies the company drafted from my bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: NJ
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'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: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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:
I sent a letter to 3 credit Bureaus to remove this Charge-off Accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit Bureaus are required to remove any accounts not later than 4 business days after the date of receipt. Please remove these accounts in my file immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX  XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 explanation
Consumer complaint received 2016-06-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Chase is preventing us from getting into our accounts online and not updating information in the accounts in a timely manner. When we travel, we use a different IP address to log into our accounts. Chase has taken it upon itself, without asking as other banks do, whether we want it to " recognize '' the computer/IP address we are using. It then locked us out when we logged in from another IP address. Recently, we were locked out of our accounts for 2.5 - 3 weeks because of this harassment. To add insult to injury, when we went into a local office of XXXX in XXXX, NJ, it demanded a new email address because its marketing junk email was bouncing. The guy deleted the old email that had been in the system for years and demanded another one. When he was told that we do n't use email, will not create an email account for Chase 's convenience, he said he would not restore the original email address that he had deleted without permission, then refused to restore. This obnoxious behavior typifies Chase 's actions : everything is for its convenience while it continues to deny clients easy access to their money and financial services it advertises and purports to provide. 
Similarly, last night or the night before I checked our accounts online. Nothing had been updated since before the XXXX XXXX weekend. Then this morning, a bunch of checks and payments showed up, bringing the balance very low. Had it updated the online information in a timely fashion, we could have easily transferred money into the account before this weekend. As it is, we will need to stagger a credit card payment because Chase withheld critical account information from us. This has all occurred while Chase owes us roughly {$130.00} for a credit on their credit card that has been on there for roughly 2 months. it is clear that first it denies us access to our money and bill payment services ; then it withholds account activity information ; followed by a bunch of checks it had been holding, hoping to overdraw the account. This kind of petty harassment and capricious cessation of normal operations needs to be sanctioned effectively and sufficiently to deter it. No bank should be allowed to offer services such as online access and bill payment services, then capriciously withhold them without warning, while trying to collect fees, should the account be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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