BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: Resurgent Capital Services L.P.
State: UT
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:
XXXX XXXX is reporting on my credit report and I never received anything from them nor do I know what this is. 
I have disputed it with the bureaus and they have yet to validate the account. XXXX XXXX is not valid verification and XXXX XXXX doesn't have any documentation for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
on XX/XX/XXXX I was approved for a secured credit card from first progress. I've submitted a deposit of {$200.00} dollars and still haven't received my card and no one from the company seems to not know whats going on. It's been almost an entire month and I'm out of {$200.00} dollars. I have bills to pay and have fallen behind because of this. it's damaging my well being to the point I had to borrow from family which now im in even more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been sent to letters from a law firm in Virginia called Lineberger Goggin Blair and Sampson, LLP. They are trying to collect money from me for a toll for a tunnel with a license plate Ive never heard of, besides the fact that I have never been in Virginia with a car. Nor have I been in Virginia at all for 15 years. I called the firm and they said I need to dispute everything by sending in via mail my complaint. I think this must be a scam. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, INC.
State: AR
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:
My complaint is against the credit agencies, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with that Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-05-02
Company: EQUIFAX, 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:
I have always made timely payments on this account and it is causing me great anxiety to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX - Account Number : # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX Account # XXXX  XXXX XXXX. XXXX EXXXX  - Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account XXXX XXXX, XXXX & XXXX XXXX XXXX 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 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 XXXX 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 2018-09-04
Company: HEARTLAND PAYMENT SYSTEMS INC
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 status incorrect

Complaint:
Going over my student loan and online I am missing statements from XXXX XXXX and there are missing statements as well from XX/XX/17 to XX/XX/17. 

On all of my billing statements they show some fees but none of the fees make sense. I have spoken online a few times about the situation and they seem very helpful and want to help but still nothing gets accomplished. 

I have filed a dispute on credit report but now I cant even find the account on any of my credit reports. 

I was late on making payments but having the conversation online with a chat representative because that's the only way to actually get a hold of someone. and They said my late payments should be removed and they weren't and now the account is just gone. But they have me okay for some months during my rehabilitation process and then out of no where I'm late and my payment is late again when it is set up on automatic repayment plan. Now every time I go to check my bill it says that there is a 0 balance due. I reported this last month and then this month it happened again. I'm just confused and it is just unprofessional. I do not trust them with my student loans and want to know where my money is going and to what and why things are just appearing and disappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have a vehicle that was paid off and then sold, The bank is reporting it as repossessed which is false and they are threatning me with jail time, and it is hurting my credit..

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 2019-08-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) and cc’d XXXX XXXX  (Leasing Agent), XXXX XXXX  (Property Manager), XXXX XXXX XXXX, esq. (Attorney for Landlord; XXXX XXXX)
o	RE: XXXX XXXX  (Property Manager) request for XXXX XXXX  and XXXX XXXX  (Tenants) to provide written acknowledgment of Oral Agreement with regards to Intent to Vacate Tenancy

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) regarding service of the ‘Writ”; Summons, Complaint for Non-Payment, and Notice to Quit.
•	XXXX XXXX  (Property Manager) emailed XXXX XXXX  (Tenant) advising that she had, “entered the move out date in the computer and notified XXXX XXXX, Attorney.” XXXX  further stated, “He will not be going forward with the eviction and has not filed anything further with the court. If anything changes please let me know.”

XX/XX/2016:
•	XXXX XXXX  and XXXX XXXX  (Tenants) entered in to written lease agreement for the premises located at: XXXX XXXX XXXX XXXX, CT XXXX
o	Note: A copy of this lease has been provided to the Collection Agency to support our claim that our tenancy had terminated

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) and cc’d XXXX XXXX  (Attorney for XXXX XXXX)
o	RE: Tenancy terminating effective XX/XX/2016following a completed walk-through of dwelling unit
XX/XX/2016:
•	XXXX XXXX  (Tenant) received a Notice of Collection via USPS and immediately contacted the Collection Agency via phone
•	Collection Agency Representative instructed XXXX XXXX  (Tenant) to email ‘XXXX  and attach the written agreement between us, (Tenants, and the Original Creditor (XXXX XXXX)
•	XXXX XXXX  (Tenant) emailed ‘XXXX  and attached the written agreement (Intent to Vacate)
o	Note: Written agreement shows that the debt was settled and account was closed “in good standing”

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Concern, I recently submitted an application to rent an apartment and my reports says I was evicted back in 2015. During that time, I was living with my mother and I was on her lease, we were never evicted from the house ( we went to court for clerical errors ). Please advice on how I can remove this mistake from my report. The company is 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 2018-03-01
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter from XXXX XXXX offering an amount to settle account. The letter states your account will be considered " Settled in Full '' Once I paid the debt my credit report updated to " Settled - less than full balance ''. I believe that is very deceptive and misleading. It appears as if your debt will be considered settled in full however it is stating you settled for less. This was never stated in the letter or phone call.

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 2018-03-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I tried to get a new car XX/XX/XXXX and XX/XX/XXXX. Was informed the auto loan I have been paying on since XX/XX/XXXX has not went down and is actually more money then I originally leased for. I was financed for {$10000.00} with an interest of 23.81 % according to the documents I have. I have been paying {$280.00} -XXXX every month and now the total due is owe {$11000.00}. This car will never be paid and I discovered interest is accured daily at the 23.81 % rate. I spoke to a customer service agent who said the car is owed {$11000.00}. The car was a {$10000.00}. 

The company has over 1400 complaints online for the same issues. To add this, the company is reporting to the credit companies and it looks like I am making payments on a revovling account instead of a fixed loan. 

I have all the documents and credit reports. I will have to scan the additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: PHH Mortgage Services Corporation
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, my husband and I took out a home equity loan to clear up some credit card debts. The day we signed, we had no idea how long this loan was for or anything.  We got the bill and for 8 years have been paying around $600 a month. All this time we noticed that our principal was not getting any lower and that by now the loan had to have been paid for. XX/XX/XXXX there was an additional charge of around $XXXX  we called the company around XXXX and they said that we were now paying on the principal and the interest. We told them that we were not able to pay that amount. They took a bunch of information from us and said they would assign us a case worker. They were sending us some paperwork that never came. We called again on XX/XX/XXXX. I had also requested a copy of our loan papers by USPS on that day. We had to give them all the information again. We got the paperwork but don’t understand what to do with it. My husband called the case worker on XX/XX/XXXX and she doesn’t come in until noon  eastern central time. My husband works 2nd shift and leaves just after noon each day to get to work. We still have not received the copy of the loan papers. What can we do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: OK
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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 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 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
We were told by Sallie Mae ( now Navient ) to consolidate into spousal loan since if both borrowers qualify it would be fine to get PSLF in 10 years with a 30 year payment plan. After starting with {$120000.00} balance, we paid over {$150000.00} in the last 10 years and now owe {$180000.00}. Now with the temporary expansion of PSLF allowing FFEL payments to count, we tried to consolidate to direct. Despite being told my a student loan advocate and attorney that it is not illegal to go from joint loan to individual since the new single borrower agrees to be responsible for the debt ( like any joint loan refinanced into a single loan ), Navient blocked the consolidation into direct. The total spousal loan shows on Fed servicing as being all mine already, but Navient refuses to budge. We wouldve been better off with a regular 10 year amortization as there is no way possible to ever pay this off. Now we are blocked from relief under the expanded PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have found 16 credit inquires that I did not authorize. I need this reported so that my credit score returns to the true score.

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