BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: Finance of America Holdings LLC
State: WA
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 a hard inquiry on my XXXX account from XXXX XXXX on XX/XX/XXXX which I called them back in XX/XX/XXXX, They said they are a third party and the company that told them to pull is Finance of America LLC, and gave me their phone number and the representative to speak with. I called the number and the business said they would have the representative give me a call back to discuss. No one ever called me back. Today, XX/XX/XXXX I have tried calling XXXX XXXX again and their phone number is no longer in service, I called the number they gave me for Finance of America LLC and the calls go straight to voicemail. I look on my XXXX account and see a hard inquiry for the same date, XX/XX/XXXX under a different third party, XXXX, so I called them and they said again they are a third party for the same company, Finance of America LLC. I told them about my XXXX inquiry for the same thing and that I DID NOT authorize this inquiry. XXXX said I could file a dispute through their email but that is only for the inquiry on the XXXX account and not for the XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: BTH Management
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:
this is against plaza services LLC. ive emailed them multiple times and called them. they refuse to return many of my emails. theyve only answered their phone once whenever i called and have only answered a few emails. i tried sending them emails to settle the account with a settlement amount but to no avail. i want this off of my credit report and they refuse to work with me. how can i work with them if they never answer the phones or emails. willl be contacting NC DOJ soon about this matter if they dont comply

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-01-21
Company: MOHELA
State: PA
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:
I submitted my PSLF Certification before the XX/XX/2022 deadline to take advantage of the PSLF Limited Waiver Program. Mohela calculated that I had a total of XXXX qualifying payments. Nevertheless, Mohela attached a letter sent via secure message stating I was " not eligible '' for forgiveness despite exceeding the threshold of XXXX qualifying payments. I do not know how many other consumers have received erroneous letters from Mohela. I believe these letters are deceptive under Federal law and request an investigation or examination into the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/18 my wife and I went to the Bank of America teller to make several deposits into our checking account from savings bonds ( around {$2600.00} ). When we returned home I logged into the mobile banking app and saw that there was a withdrawal for {$1200.00} cash in the account made at the BOA teller window. 
Bank of America directed me to open a check fraud claim- which i did. 
In the days that followed I also filed a police report with the local PD. 
The bank said it would take 60 days to investigate. at the end of that 60 days they denied my claim stating that my wife authorized the withdrawal. ( she was logged into our account making the deposits ). 
I asked that the Bank elevate and review the investigation because i can grantee that my wife did not get any cash that day and the security cameras at the bank will prove that. 

Police report attached.

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 monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: CA
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:
To Whom It May Concern, I am writing to you in my continued efforts to resolve a deeply distressing matter concerning inaccurate and unauthorized information on my credit report. The violations I will outline below, which have left an indelible mark on my financial well-being and emotional state, compel me to seek your assistance in enforcing the necessary legal remedies. The listed violations are as follows : Incorrect Personal Information : Incorrect Previous Address : XXXX XXXX XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Unauthorized Inquiries : Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Account Inaccuracies and XXXX Without Proper Notice : XXXX XXXX Account ( Account Number : XXXX ) inaccuracies : Incorrect high balance Inaccurate date of last activity Reaged accounts Undated late payment Charge off listed as open Collection account with a limit Undated Late Pay and Charge Off Listed as Open : XXXX XXXX Account ( Account Number : XXXX ) Collection Account with a Limit : XXXX XXXX Account ( Account Number : XXXX ) The impact of these violations on my life has been profound and overwhelming. The inaccurate information on my credit report has hindered my ability to secure affordable financing for crucial life milestones, such as purchasing a home or a vehicle. It has shattered my sense of financial security, leaving me anxious and uncertain about my future prospects. The emotional toll of this situation is immeasurable, affecting not only my financial well-being but also my overall quality of life. 

I implore you to consider the emotional and financial distress that these violations have inflicted upon me. As I share my personal story, I beseech you to enforce the legal remedies available to ensure the accuracy and integrity of my credit report. In light of the violations detailed above, I kindly request that the unverified and inaccurate accounts be promptly removed from my credit report. This action is vital not only for my own peace of mind but also to uphold the principles of fairness and justice that our legal system is built upon. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can assist me in resolving this situation and restoring my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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 information incorrect

Complaint:
I have attempted to contact the credit reporting agencies to correct negative, incorrect information being reported which is causing me harm due to the fact I can't conduct certain business necessary to take care of me and my family 's needs. It is nearly impossible to speak with anyone at any of the CRA 's. The operators either disconnect the call or there is only an automatic response prompt which is never helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was 100 % correct. The credit beaureaus stated that the date the account was opened was XXXX. That information is incorrect. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. 

The law clearly states a consumer reporting agency can not furnish an account without my written instructions.m I havent given these accounts written permission to furnish these accounts on 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 2015-05-26
Company: Recovery One, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is on my credit reports. I sent them a letter XX/XX/2015. They have ignored me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a vehicle repossessed in XXXX, it was included in a XXXX XXXX XXXX XXXX  which was finalized in XXXX. I have asked, and then told them to quit calling me and now they are calling my ex wife and other family members. XXXX XXXX XXXX, what a bunch of XXXX XXXX XXXX XXXX  They bought this debt from someone not knowing it was included in a BK but they won't leave us alone.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2021-02-18
Company: DISCOVER BANK
State: IL
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:
My records associated with the account DISCOVER FIN SVCS XXXX  with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to XXXX XXXX XXXX  but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I mailed a dispute to Experian under tracking # XXXX, where inside I placed XXXX letters. I made all the letters separate because my last dispute Experian missed a whole account and did not investigate it, so my solution to this was to make a separate letter for each account but mail it in the same envelope. Today I received emails for Report # XXXX was received today XX/XX/2021 and should be completed by XX/XX/2021. I mailed a letter for accounts XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  and all eight of my XXXX accounts. On this alert my dispute for the XXXX accounts was not included. I have the expectation that all my disputes are to be acknowledged and researched. Im disputing the lateness on the accounts. XXXX by the way the account that was skipped prior that led me to make separate letters for all the accounts. Im attaching my XXXX dispute. Im doing my own credit dispute S so I not only type them and personally stuff the envelope and mail certified.

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 2021-02-18
Company: Aspen Yo LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property taxes are being held in escrow by my loan processor, Gregory Funding. They were due on XX/XX/2020. I was sent a late notice at the first of XXXX with a late fee. I contacted Gregory Funding on XX/XX/XXXX via phone. They confirmed that they have not been paid but said they needed copies of my tax information. On XX/XX/XXXX, I submitted an Error Resolution Notice via mail, email, and fax. I included copies of both bills which contained all information needed. As of this date, XXXX, they have not contacted me. My taxes have not been paid. This company is impossible to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NV
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:
This constitutes a violation under the provisions of 15 U.S. Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. A written notice about the account was not furnished prior to its reporting. Consequently, I request the removal of this account from my credit report, as I dispute the validity of the claimed debt. Furthermore, this action appears to contravene my rights as stipulated in 15 U.S. Code 1681b ( 2 ), which defines permissible purposes for consumer reports. The account was reported without my consent and my social security information appears to have been misused. Given that I am a victim of identity theft, it is important to note that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. According to 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. It is evident, however, that my privacy rights as a consumer have been infringed upon, as the information was publicly reported without my authorization. I hereby demand the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
-ENHANCED RECOVERY, XXXX XXXX {$750.00} Called at XXXX got a virtual agent, XXXX, XXXX transferred to an actual agent now at XXXX got XXXX. Being transferred to her manager who will be able to help us at XXXX got XXXX XXXX. Called to offer a payment in exchange for this being removed from my credit as I never received written notification of it. I was then transferred to the escalation team at XXXX. Got XXXX XXXX at XXXX XXXX XXXX, told me during this call that all letters were sent to my previous address, XX/XX/2020, XX/XX/2020, XX/XX/2020 were the dates the letters were sent to an address I havent lived at in years. I let XXXX know that none of these letters ever made it to me and tried once again to pay the debt if they would remove it, as they failed to send written notification to the correct address. I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Performant Financial Corporation
State: TN
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:
The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) has attempted to collect a debt from me that isn't mine. I have no knowledge of this debt. XXXX XXXX alleges that their office sent a collections letter XX/XX/XXXX informing me of the debt being placed with their office. I have not received any communication from this company prior to me contacting them with an affidavit of denial on XX/XX/XXXX explaining that i have no knowledge of the account and i have no contractual agreement with XXXX XXXX. I have also filed a complaint with the XXXX XXXX XXXX explaining the same thing and requesting that XXXX XXXX remove the account and stop reporting to the appropriate credit reporting agencies. XXXX XXXX has refused to cease collection attempts furthermore they have refuse to stop reporting to the credit reporting agencies and remove the accounts from my credit file. They have not shown me any documentation that i owe a debt to them or the original creditor that they mentioned in their response on XX/XX/XXXX. According to 15 U.S. Code 1692g they must validate the debt and show physical documentation. As stated before i have no knowledge of this account and i have been unable to obtain credit due to this situation. This is a violation of my rights.

Company response to consumer: Closed with explanation