BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
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: Account information incorrect

Complaint:
XXXX ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. XXXX reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with XXXX and the credit bureaus. XXXX provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, XXXX again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted XXXX XXXX on XXXX XXXX expressing that XXXX was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, XXXX erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with Experian I was told that XXXX had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to XXXX as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by XXXX based on the complaints I've seen online which requires further inquiry by the CFPB.

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 2019-12-31
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
On XXXX, I was in an auto accident when a 30 ft truck backed up over me, in my new XXXX XXXX XXXX I purchased in XX/XX/XXXX. I have a loan against this vehicle with Mariner. I am suffering from XXXX XXXX from the accident including a XXXX XXXX, XXXX XXXX, and several XXXX XXXX. Not knowing what my financial situation was going to be not being able to work, because my accident, I paid {$10.00} for my loan for the month of XXXX. When I spoke to the branch manager, I explained that I would go online and make a payment every week my child support came in, and that I was unable to pay in full that day we spoke because my payments are contingent to my child support. The branch manager XXXX XXXX, stated " you will not have access to make any partial payments online because you are pass due ''. He demanded payment over the phone multiple times. I patiently continued to explain that because I can't work, I need to wait until my child support comes in to make a full payment. Mr. XXXX refused to work with me. I have been getting a loan from this company for 4 years if not longer. Even before when it was XXXX and then bought out by Mariner. I have an impeccable payment record. I paid every single month my loan was due, except maybe once or twice in all these years. Mr. XXXX is not open to deferring my XXXX payment, or any other agreement, despite my loosing my work income. Mariner Finance, Mr. XXXX has been calling my phone almost every day despite that I told him I would call on the last day of XXXX and make a payment by phone, since consumers are NOT allowed to make partial payments via their website. Which creates another issue for consumers. They have called almost every single day, two to four times a day, despite telling him I would call on the last day of XXXX and make a payment. Mr. XXXX stated that my loan was not contingent to my part time work. I stated that I understand this, but when my child support does not come in, which sometimes happens, I will feed my children before I make a loan payment. I know I get partial payments during the holidays because my exhusband does not work full weeks during the holidays. If us consumers can't make partial payments, then we are being denied our right to repay a debt, despite if it is past due. I have made an arrangement may of times to call and pay on the last day of the month, and NEVER was I HARASSED like this. I have never been harassed in this way. This is absolutely an abuse of debt collection methodologies, and must be stopped. As of today XXXX, at XXXX XXXX, they have called me 4 times already. I will make a payment today. However, this HARASSMENT is unlawful. Mr. XXXX is awful when speaking. He is not open to any agreement, especially considering my good repayment history.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: LA
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2017-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After many attempts to validate this debt with Portfolio Recovery Associates, I decided to pay off the debt with the agreement that they would DELETE the paid collection from all three reporting credit bureaus. The debt has been marked Paid, but not deleted as requested and discussed per my agreement to pay it in full ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: The Receivable Management Services LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered a product with free shipping. The shipper XXXX  XXXX tried to collect an additional XXXX from myself after. In XXXX I got a collection Letter from XXXX XXXX XXXX and filed the exact complaint asking for proof I am responsible for shipment. They only send me a document I received the shipment. Now I am in receipt of another collection letter only from Receivable Management Services. The letter I got from them states there was 3 pages but i only got 2, I am asking for validation on the originating documents that I agreed to pay. XXXX XXXX nor XXXX provided them to me. 

I am resubmitting this complaint as you directed it to the wrong company. Complaint number XXXX was incorrectly sent to Receivable Management Inc in XXXX Texas . This complaint is directed to Receivable Management Services-Recovery Division LLC in XXXX, MN who I sent a certified demand too.

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 2019-01-08
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date : XX/XX/XXXX Consumer Financial Protection Bureau To whom it may concern : Re : Transworld Sysytems # XXXX I submitted a complaint to your office on XX/XX/XXXX regarding Transworld Systems Inc. because of an attempt to collect a debt from me that I did not owe ; the complaint with the Consumer Financial Protection Bureau is listed under # XXXX-XXXX. Subsequently, I received a letter from your organization with a copy of correspondence from Transworld Systems that stated the matter was being closed because Transworld determined that I was not the consumer who owed the debt and Transworld said that they would have no further contact with me. 
On XX/XX/XXXX, I received yet another letter from Transworld Systems attempting to collect a new debt from me in the amount of {$17.00} with a license plate number that I have no knowledge of is not connected to my driving history. 
I am obviously disputing this new debt and I plan to send Transworld a certified letter indicating that I dispute the validity of the debt. However, I do not understand why Transworld Systems continues to attempt to collect a debt from me knowing that I am not the consumer who owes the debt, and seemingly without doing any work to identify the person who actually owes the debt. 
I am a XXXX-year-old woman who drives a 9-year-old XXXX vehicle. If necessary, I will provide your agency with information regarding my drivers license and license plate so that you can compare that information to Transworld Systems records. However, these constant letters from Transworld seem to constitute harassment and I shutter to think about how many senior citizens and other un suspecting consumers they are harassing without cause. 
Please assist me with resolving this matter. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute and urgently request the removal of unauthorized fraudulent accounts that persist on my credit report. I have no knowledge of, nor have I authorized, the accounts listed below, and I categorically deny any association with these accounts. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

Despite my previous attempts to address this matter, the fraudulent accounts continue to negatively impact my credit report, hindering my financial opportunities and causing significant XXXX 
I want to emphasize that I have not authorized, nor do I have any knowledge of, the transactions or activities associated with the mentioned accounts. I demand a thorough investigation into these fraudulent accounts and request the immediate removal of these items from my credit report. It is imperative that your bureau upholds its responsibilities under the Fair Credit Reporting Act ( FCRA ) and takes swift action to rectify this situation.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am submitting this CFPB Complaint to the Credit reporting Agencies in accordance with the FCRA 's guidelines to ask that the following accounts, which I consider to be erroneous and incomplete, be looked into right away and updated on my credit report. I read over my credit report and found that some of the data was incorrect. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
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 2023-04-14
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX  who is tax exempt from property tax. Since XXXX of XXXX I have been trying to get an issue involving my property tax resolved with my mortgage lender Mr. Cooper. My payments went from around {$2300.00} to {$3600.00} starting XX/XX/XXXX I have called and emailed multiple employees of Mr. Cooper. I have sent in paperwork showing I am property tax exempt and also spoke with the Supervisor of Assessments on multiple occasions. I was eventually able to get in contact with XXXX from the escalation team who did help some by doing an escrow analysis in XX/XX/XXXX and the payments were lowered to around {$2800.00}. The last time I spoke with XXXX she told me she would look into everything but I never heard back from her. I contacted a VA technician to help with the issue and I have not received any response at this time and it has been over a month now. The extra money paid on this has not been returned and I was told by XXXX this was used to pay previous property tax. I am now financially in a bind due to the extra thousands of dollars I was forced to pay. The contact information for XXXX the escalation team member at Mr. Cooper is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: GA
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 incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( XXXX , Equifax and XXXX ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from XXXX, Equifax and XXXX. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( Equifax, XXXX and XXXX ) have yet to remove this erroneous information from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Wells Fargo sold my grad student loan to XXXX XXXX. There was no notification regarding total loss of options to refinance, consolidate or payoff as agreed in original promissory note. No lenders are willing to refinance-Wells Fargo XXXX XXXX. Accumulated to XXXX interest on a XXXX loan. This is unacceptable banking practice, unethical, immoral and unjust. The arrangements of transfer from W. Fargo to XXXX, ignored banking regulations, a documented agreement and global public trust. There are many others impacted by Wells Fargo 's lack of integrity and deception, viewable in online conversations. 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 2022-01-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a reporting of a debt from an apartment complex that I haven't lived. I'm not sure how my name or ssn was associated with it. I have contacted the collection company but they only tried to collect the debt.

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 2018-07-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. 
My only address is XXXX XXXX XXXX XXXX, SC XXXX please remove : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX MY SS XXXX PLEASE REMOVE ALL OTHERS THEY ARE NOT MINES.

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 2022-01-22
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a XXXX charge on vanilla gift card I did not make. They are refusing to credit me and impossible too deal with. This was done 2 days ago. XXXXXXXX XXXX. I never heard of that company

Company response to consumer: Closed with explanation