BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My current student loan servicer is with XXXX and XXXX was my previous servicer. My student loan was transferred to XXXX from XXXX. However, XXXX is still reporting my balance that I have an open account with Experian. I have XXXX also reporting my balance to Experian too. My student debt balance is now reported as double on my credit report on Experian, one from XXXX and one from XXXX. XXXX XXXX refuse to close my balance with them and indicate it was transferred to XXXX. The double reporting of student debt has a negative effect on my credit score. 

I've attached a copy of Experian report that XXXX justified that my student loan debt is still with them.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern, I am writing to file a formal complaint against XXXX for their failure to respond in a timely manner to my debt validation request concerning the XXXX account number XXXX. This account is associated with a case of identity theft, for which I have previously submitted a detailed report. 

I sent a debt validation letter to XXXX, as per my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that such inquiries be addressed within 30 days. However, more than 30 days have elapsed without any form of acknowledgment or response from XXXX. 

This delay is not only frustrating but also deeply concerning, given the nature of the issue at hand. The account in question is involved in identity theft, a matter that requires prompt and serious attention. The lack of response from XXXX has caused significant stress and uncertainty, exacerbating the already challenging situation of dealing with identity theft. 

I have attached a copy of the original debt validation letter sent to XXXX, along with the identity theft report for your reference. I urge the CFPB to intervene and ensure that XXXX adheres to its legal obligations under the FCRA, providing a prompt and appropriate response to my request. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer. 



Enclosures : Copy of Debt Validation Letter sent to XXXX Copy of Identity Theft Report

Company response to consumer: In progress
Consumer complaint received 2023-11-11
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a customer of XXXX XXXX for 17 years. I was on Auto Pay. This past XXXX they suddenly stated that I owed {$350.00} XXXX XXXX 
I tried to get this straightened out on many phone calls. Managers that were supposed to call me back, never did. After 17 years, I left XXXX XXXX because of this old, erroneous charge. I do owe them the rest {$340.00}, which I will gladly pay. I will not pay some fake {$350.00} from 7 years ago. 
Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
additional new detail on complaint XXXX XX/XX/2023 had an escrow refund check issued by Loancare to Property owner in the amout of XXXX as in original complaint. 

On XX/XX/2023 Loancare executed a refer to maker notice to XXXX my personal bank on the above check. 

Loancare did not notify me in any manner and Ionly found out when bank called to explain. 

Called Loancare and multiple people had no knowledge or information regarding the above transaction. 

This {$11000.00} is escrow monies and should at least be in the Loancare escrow account or applied to delinquent property taxes. 

As of XX/XX/2023 this money has not been accounted for in any manner by Loancare, taxes and penalties remain unpaid, and Loancare escrow account does not reflect the above check amount being deposited in escrow account, and Loancare personnel do not have any information to clarify.

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 2022-04-06
Company: Winklevoss Exchange LLC
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi, I'm I one of several dozen ( hundreds? ) victims of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange XX/XX/22. 

A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: LOBEL FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lobel Financial Corp was contacted on XXXX XXXX XXXX  regarding inaccurate information being reported to all credit reporting companies. The amount reported on credit reports : XXXX XXXX {$6400.00} XXXX XXXX {$6500.00} XXXX XXXX {$6600.00} XXXX XXXX NA XXXX XXXX {$6700.00} XX/XX/XXXX, XXXX {$6800.00} The amount they have on file is {$4100.00}. They agreed the the reporting amount was in fact different than the amount they have on file. 

They have continued to report inaccurate account balances. As of XXXX XXXX XXXX and more than XXXX months back. They have changed the account from reporting XXXX charge offs now to XXXX charge off. 
They have sent information/papers to file for " identity theft '' which was not requested. But failed to send documents regarding the discrepancy of account details. They are showing alot of inconsistent information, actions, reporting information, and continue to increase the balance due. 

Due to all of these circumstances I would like to request this account be DELETED in law to the Fair Credit reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: VA
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've so far tried simply freezing my credit to make sure I don't get any more unauthorized credit inquiries. I don't believe I'm able to dispute those inquiries just yet and might just wait until they fall off. I had viewed the report ( Experian ) over the weekend and found a list of inquiries that I didn't recognize. Although some I did recognize, those were mostly auto loans made by XXXX XXXX and XXXX XXXX. Most of the inquiries on the list that don't recognize are at the tail end of 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 2023-02-08
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/3 tried to settle a XXXX debt with an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collecting for Midland Credit managment XXXX who was collecting for XXXX XXXX  I am not working nor do i have savings, my husband offered an settlement on the account and they would not settle prior to a court date of XXXX my hardship is due to XXXX and we offered what we could reasonably afford. they are deliberately trying to sabotage my credit by refusing to negotiate in good faith. I pray you help me get them to accept a reasonable settlement offer on such a low amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I continue to experience issues with this bank 's mobile and online payment feature function. On XX/XX/2021 ( two days after my payment was due ), I contacted the bank 's Customer Service and Technical Support divisions to determine the source of the errors and make sure my account was current and in good standing. I have had the account for nearly ten ( 10 ) years. I was told the late fees and interest would be waived. Today XX/XX/2021, I noticed that the late fee was waived but the interest of {$14.00} was not. I spoke with three representatives. XXXX, ID number XXXX was rude and told me to close my account if I was not happy with the interest fees but they would not be waived as there was no notation of recurring technical issues with the payment function ( s ) on my account nor was there any indication that late or interest fees would be waived on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I requested a card be sent to my new address because of moving and was told I was issued a card I did this in XXXX but after not receiving card I inquired and it was never even sent So I was told they were going to send this time and expected a couple weeks later I called again a third time now and they said Florida 's unemployment office spelled address wrong Here we are I FINALLY received card XX/XX/XXXX I promptly set up account and was only informed that all my deposits were returned the wordage " Returned Unpinned Deposit '' Florida unemployment tells me that the funds were delivered back to card yet two weeks later still no funds Really this whole situation makes one rethink their existence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: NC
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 was denied for a mortgage loan and came to find out there is a charge of account on my personal report from XXXX XXXX that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.

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 2022-07-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
1. I did not receive rewards points for the past month. 

2. My last payment on XX/XX/XXXX has not shown up yet on my account. I have spent approximately three hours on the phone with several customer service agents with no answer. I find it impossible to get a straight answer from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as UD DEPT ED with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I say this every time I turn in a complaint ... i don't know why I am bc you won't do anything about it ... short and sweet ... im adding to ocwen fraudulent paperwork ... in which they are suppose to be checking on and of course nothing ... they sent me answers ... yet again to something different ... but I will add it to my govt list and the judge too ... aling with the other answers I am waiting on ... how is it that gmac went out of business in XX/XX/XXXX ... but ... assigned my mortgage to ocwen in XX/XX/XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently I did and investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a Credit Monitoring Alert that a Collection Agency called Debt Recovery Solutions in violation of FDCPA I had not received a letter or attempt to contact me allowing me 30 Days to Dispute. On XX/XX/XXXX I received a letter in the mail offering to settle for a discount at {$6000.00}. This Title Loan through XXXX in XXXX, Ohio was settled in full on XX/XX/XXXX with the return of the Vehicle and sold for settlement. I spoke to XXXX XXXX XXXX XXXX at Debt Recovery Solutions and explained to him that this had been resolved over 2 years earlier and I had an outstanding Credit Report that has never had a derogatory remark. He informed me that he was putting in a immediate delete with all 3 Credit Bureaus. I followed up by sending in proof that Debt was paid in full and this was settled. The emails were sent the same day to the Compliance Officer. I have been checking my Credit Report and it still has not been removed. I filled disputes with all 3 agencies on XX/XX/XXXX. This company has been sued in multiple class action lawsuits and has more negative reviews with the XXXX. The agent was polite on the phone but the company did not follow through. Please get this off my Credit Reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX  5 ) XXXX/XXXX 6 ) XXXX  XXXX XXXX  7 ) XXXX   XXXX XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  11 ) 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 2023-06-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX XXXX XXXX XXXX XXXX  of XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX of XXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Franklin Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an incident with XXXX that was identity theft. I resolved it with XXXX and they did find that it was identity theft and I do not owe the debt and provided me with a letter stating that the collection agency was to remove the debt from my credit report on XX/XX/2020. After notifying Franklin Collection Service of this and providing them a copy of the letter they sent me a letter back stating that they validated the debt which is obviously not the case on XX/XX/2020. Since then I have sent an additional letter to the credit bureaus on XX/XX/XXXX but they came back and said that the furnisher is reporting this information correct even though I again sent a copy of the letter requesting that the inaccurate information be deleted. I am now sending another letter to Franklin Collection today via certified mail prior to commencing with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Reporting act XXXX Account #, 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 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 2023-06-29
Company: Experian Information Solutions Inc.
State: MI
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:
I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX account # XXXX. Also, I have noticed they have sold my account to a collections agency without giving me a notice, By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. Please investigate and provide proof with statements showing that these payments were late and to provide proof that they sent me a debt validation letter within 5 days of the collectors initial attempt to contact me. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late or remove this account from my consumers report, Thank you.

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