BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have contacted all 3 credit bureaus as well as Midland 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing? this account has been showing as re aged for over a year now which is a tactic these people use in order to try to move the statue of limitations to sue you ... Midland is shady i know of friends that theyve done the same thing to and my friends were awarded a judgement by the courts against Midland..I am ready to do the same if this is not deleted and not resold

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a credit card through XXXX XXXX. I was told my membership fee to XXXX XXXX would be reduced from {$50.00} to {$20.00} for the year. I never was approved for the card. And Transunion dropped my credit score 44 points. This seems ridiculous that they could get away with this! Your own company reported not long ago that credit bureaus like Transunion are scamming people.

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 2021-12-18
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-22
Company: ADP Inc.
State: CO
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2023 I called Wisely to get my balance. The person i spoke to asked me if i had my card and i told them " no '' becuase i was in a community corrections facility and didn't have access to it. So then wisely told me they were canceling my card and i told them " not to '' but instead they locked the card and have been charging a dormant fee of {$4.00} several months since then. Still i need a new card now becuase of how wisely opperates. Wisely told me i need to fax documents of my SSN, State ID, and release letter from the facility i was in which i have provided on XX/XX/2023 and was told to fax to XXXX. Wisely instructed me to call back on XX/XX/2023 so that my documents could be verified. So i called back to wisely customer care on XX/XX/2023 and was told I'm not supposed to FAX anything that was a lie and it's all my fualt. Its a lie becuase when you tell somebody something you don't actually know as true as being true it's a LIE. Then I was told that i am supposed to upload my documents through a link using reference number XXXX then to call back in two more buiseness days and my needed documents are still not resolved. So far what's being communicated to me about Wisely 's process for handling card activation is false and not meeting my rights and expectations of being a creditor and customer because I have a right to my money on demand in full amount or any part there of. Wisely has sent a new card according to them on XX/XX/2023 but this process they can't seem to complete of verifying my documents is of concern. Being a customer of any bank there is the expectation that there will be compitent and profesional communication and procedures that are followed an upheld. So far I've been given careless bad information. I have been told that there would be a deadline as to when my information would be processed and my card would be activated and it still has not been! I still don't have my hard earned money! The level of clear disregard for customer service and degree of dishonesty is absolutely appalling! THIS IS A BANK LYING TO ME AND KEEPING MY MONEY FROM ME! I can not trust that Wisely will just do what they say they're gon na do. Or that anything I've been told is actually true. I Will not wait indefinetly for my money. Action needs to taken against this bank. I have submited every document they have asked for FAX and through wisely 's " box '' link and yet I can't say that's gon na be enough or that i will ever see my $ XXXX at this time. please help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX  Bankruptcy Reference # XXXX ; INQUIRIES : XXXX XXXX XX/XX/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 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 2018-10-17
Company: Guild Mortgage Company LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This matter is pertaining to our Mortgage Company Guild Mortgage who has declined to remove our mortgage  insurance even though we have met the required specifications provided to us by Guild when we signed our opening mortgage documents. The conditions were as follows : Two year payment period with no late payments, the 75 % LTV for which I have described the scenario below : On XX/XX/XXXX, I reached out to Guild Mortgage to inquire about removing our PMI as we were previously told that this is something that would be feasible after two years of making monthly payments. Guild requested an email requesting the PMI be removed for which I sent the request on XX/XX/XXXX. On XX/XX/XXXX they requested another email stating that we were requesting an appraisal to be performed on our property for which they received on XX/XX/XXXX. Guild sent a request to XXXX XXXX for the appraisal to be completed. XXXX XXXX charged us a fee of {$600.00} which is more than the usual {$350.00} - {$400.00} that we usually pay. They did the appraisal on XX/XX/XXXX for which I have attached a copy. They denied our request on XX/XX/XXXX ( attached copy of denial ). We sent in a dispute because it is evident that the appraiser of choice used the lowest comps in our area and do not support the current and true value of subject property. Supporting copy of CMA is also attached for your review. 
Once Guild performed a review of our dispute, they were able to raise our property value from {$370000.00} to {$370000.00} which shows that they are in agreement with the dispute of the appraisal, however ; they only lowered the value enough to be able to deny us again on XX/XX/XXXX. I have also attached a copy of the denial letter for your review. 
I have been a homeowner for over 20 years and have never been late on any of my mortgage payments one single time. I am not saying I have never been in a rough spot, but I do what I can to always make ends meet, and make my mortgage a priority. I have paid thousands of dollars in interest to these mortgage companies, not to mention the $  XXXX I had to come up with out of pocket in XXXX so my Condo would not sell as a short sale to keep my impeccable credit history. It is unfortunate that not until now, I realize that these companies are not to take further advantage and abuse people who have worked so hard to keep up with the ever-changing mortgage industry. 
It is why I ask that you respectfully look in to this matter and find out why Guild Mortgage is refusing to remove my mortgage insurance by using mortgage appraisal fraud tactics to lower my property value and charge the extra interest if the MI is not removed. I have XXXX XXXX coming up and my husband will be the only one working for at least a year. Any assistance from you will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
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 am writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX XXXX XXXX specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. 

The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies.

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries.

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. 

I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies. 

If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA. 

I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. 

Sincerely, 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 2021-12-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, equifax is reporting it as open and XXXX  and XXXX are reporting it as a collection... equifax is also reporting this 120 days late and a collection thats double dipping, equifax is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX and was told by XXXX XXXX : Senior specialist that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX which is XX/XX/XXXX case # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

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 2018-04-26
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/XXXX from Velocity Investments , LLC stating they now " own '' a debt from XXXX XXXX XXXX. It was only a notice and another letter was to follow in/about 30 days. See attached. 

On XX/XX/XXXX I received another letter from Velocity Investments , LLC with an " Introductory Message '' and the notice to " dispute within 30 days after receipt of the letter ''. See attached. 

On XX/XX/XXXX, I sent a validation request/ notice of dispute to Velocity Investments , LLC and requested that they " prove '' they own this debt. Unfortunately I did not save a copy of my letter to attach, but they did respond on XX/XX/XXXX ( see attachment ) to my request with a copy of the original creditor contract- no other details. See attached. 

On XX/XX/XXXX, I sent a second request validation to ask for more information again, in case they misunderstood my initial request. Keep in mind we are still within the original 30 days to dispute. My second letter is attached. 

On XX/XX/XXXX, Velocity Investments , LLC responded with the exact information again. Not one document that has my name on it ( associated with Velocity ), an assignment or any proof that they can legally collect on this alleged debt. Second response attached. 

How does a consumer really know if they are legit and have truly purchased this alleged debt? In days of IRS scams, Identity theft ... so forth, they have not provided any real proof but they feel they are compliant. I am not sure they can prove ownership because of the way they purchase these debts from companies in bulk. 

I understand for them to be compliant with a dispute request, they only have to provide limited information but after two specific requests they have not been willing to share any real proof of any debt. So they must not have it or wish to share it. That is my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My name is XXXX XXXX and I am from XXXX XXXX. I graduated from XXXX  University XXXX XXXX XXXX in XXXX. I promptly consolidated my federal student loan and refinanced with another company. The refinance company XXXX overpaid FedLoan Servicing. 
The problem lies in that FedLoan servicing owes me {$6300.00} and is refusing to reimburse me in a timely manner. This was in late XXXX. 

As of XX/XX/XXXX, there has been little action taken since then. FedLoan said they were sending a check but there never has been a check from them. Just excuses and platitudes. I should be reimbursed in a timely fashion with penalties and interest. They expect others to pay on time and would be livid if someone was overdue XXXX {$6300.00} for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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