BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-30
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: TX
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2021, I filed for a validation of debt with the credit bureau 's XXXX, and Transunion. As well as the Collection Agency XXXX XXXX XXXX for collections on my credit report. 

I received papers in the mail from XXXX XXXX XXXX who sent me details of a Medical Bill, but not a Validation. This is not acceptable and is a HIPPA violation, as I have never signed a release for medical records with them. 

I am requesting this account be blocked and deleted from my credit Report XXXX XXXX XXXX {$290.00} ( Transunion, XXXX ) Thank You, 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 2021-05-14
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX i noticed XXXX  XXXX, XXXX, XXXX & Equifax posted a negative closed account I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and this false account is still on my report despite my efforts. XXXX XXXX, XXXX, XXXX & Equifax has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, XXXX XXXX, XXXX, XXXX & Equifax has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information XXXX XXXX, XXXX, XXXX & Equifax in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave XXXX XXXX, XXXX, XXXX & Equifax permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, XXXX XXXX, XXXX, XXXX & Equifax has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
State: NC
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 FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER 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 explanation
Consumer complaint received 2022-04-04
Company: AES/PHEAA
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:
XX/XX/2017 shows ineligible for PSLF due to forbearance that was placed on my account. I did not request this forbearance. At the time, FedLoan servicer representative assured me that this month will count towards PSLF and that forbearance will benefit me due to issues with re-certification that year. I request that Fedloan servicing pulls that phone call and they listen to it. 
I request that this month counts towards PSLF as an eligible month. 

My second issue : I requested that period of full time public service combined with period of in-school deferment be counted towards PSLF. Fedloan servicing does not show anything on my account from XXXX. During this time I worked for a qualified employer so I am requesting that this period counts towards PSLF under the Limited Time Waiver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Kohls/Capital One is reporting erroneous lates on my credit file. These lates are for the months of XX/XX/21, XX/XX/21, XX/XX/21. These lates were a results of a {$1.00} PAST DUE BALANCE. I was never contacted about this DOLLAR. I'm genuinely blow away at the fact that this account was marked delinquent and CLOSED because i was past due XXXX dollar ... If i was made aware of this delinquency i would have paid it! It has ruined my credit file and cost me to loose financing. I am very upset with the fact that i was never contacted about this delinquency, i was not aware of this until i pulled my credit and saw the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the incorrect inquiries reporting on my Credit Report : XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: FL
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 sent my police report with the described incident of identity theft to experian on XX/XX/XXXX so the certified and first class mail to make sure it was received. 
It says it was delivered XX/XX/XXXX but when I call and speak to the dispute and mail team they all allege their is no documents. Even though I have a USPS certified slip proving it was delivered. I called XX/XX/XXXX to check in with them and see if they found my documents they said give them 48 hours to look into. A full week passed no notifications. I called again Wednesday XX/XX/XXXX asking for an update again and they put me through the same process saying they need 48hours again. They have made no attempt to help me with my matter and this fraudulent account on my report is severely impacting my credit score I am looking into taking legal action

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 2019-06-30
Company: The Bureaus, Inc.
State: MO
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 BUREAUS collection agency was filed on my report on XX/XX/2016. The amount that this company is saying that I owe is a total of XXXX. I do not have a contract with their company, and I requested copies of the contract where it states that I should pay this amount. The Bureaus was not able to give any validation just a copy of a bill that I was not responsible for. I am asking the Bureaus to remove any collection amount from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
ACS/Conduent 's website is not in service and their contact phone numbers are not in service. I don't know how to make a payment on my loan without using the website, I can't even find a page with information on where to mail a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received information XXXX XXXX, via Select Portfolio Servicing , INC is attempting to fraudulently assign mortgages XXXX, XXXX and XXXX to XXXX XXXX and XXXX XXXX XXXX, Mortgage-Backed Notes Series XXXX. This assignment was electronically recorded by XXXX to the XXXX County Clerk in New York State on XX/XX/XXXX. How is it possible to assign a mortgage from two deceased persons? XXXX XXXX XXXX, my father, died on XX/XX/XXXX. XXXX XXXX XXXX, my mother, died on XX/XX/XXXX. My father 's estate is currently being probated and remains open, and is dated XX/XX/XXXX ( File # XXXX ). Neither XXXX XXXX nor Select Portfolio Servicing , INC has made a sufficient claim ; even after my numerous requests as the estate 's executor. Secondly, XXXX XXXX  and Select Portfolio , INC is attempting to foreclose on property in which they do not have a security interest in. On XX/XX/XXXX, XXXX ( XXXX XXXX ) stated they sold the loan to XXXX XXXX XXXX  Effective XX/XX/XXXX, yet has failed to provide any proof of endorsement or assignment. I am seeking a cease and desist on all assignments and formally requesting a copy of all submitted assignments any any endorsements associated with this transaction. I will be providing a copy of this request to the New York State Attorney General as well as XXXX XXXX XXXX, Surrogate Acting Supreme Court Justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: JPMORGAN CHASE & CO.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX, I contacted XXXX and was approved for a $ XXXX loan. I selected XXXX XXXX XXXX. XXXX XXXX ( salesperson ) said the car will be delivered within 14 days. 

- XX/XX/XXXX, I received a bill ( Chase ) for a payment due on XX/XX/XXXX. Why am getting charge and I did not receive the car? I contacted XXXX, a representative said, they will contact me within 48 hours. No response within 48 hours. 

- XX/XX/XXXX, the car was delivered. The driver has a language barrier ( Portuguese only ) so I had to go to the XXXX dealership to get instructions about the vehicle. 

-XXXX XXXX, I contacted XXXX XXXX Tier 2 rep said, someone, will contact me with 48 hours regarding the concerns listed below. 

1. I am getting a finance charge a finance fee since XX/XX/XXXX per Chase bank. 

2. The hybrid battery is dying quickly. 

3. Upon delivery, the car was very dirty ( inside & outside ) cracked in the front windshield -As of XX/XX/XXXX, I am still waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal close my account for no reason, I am trying to contact them but they are not helping me. I request them tell me the issue what is the exact issue for that you block my account, the representative said we can not tell you the issue, but which i can tell you that the restriction applied on you from the system and i can not help you with this and you have to wait for 180 days. I had my funds in that account about XXXX $ and I need my funds for run my family, I am doing freelancing on internet this is my hard earned money and they are blocking me for no reason. 
I want to request you please help me to resolve this issue. 
My email linked to paypal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: American First Finance, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXXmy mother ( XXXX XX/XX/XXXX ) open an account with Care Credit at a XXXX office located in XXXX, Oklahoma, which is no longer in business. This was a promotion card that ends XX/XX/XXXX. I contacted care credit probate department in XX/XX/XXXX. In XX/XX/XXXX, I  received a letter from Care Credit stating that this account will not go through probate because they had me listed as a secondary cardholder. This is completely false! Myself and my daughter were supposed to be ONLY authorized users. Since XX/XX/XXXX, I have spoken with numerous customer service representatives and supervisors informing them of her XXXX in effort to come to some resolution over this matter. In XX/XX/XXXX, I requested a copy of the application and Care Credit told me that the application was processed electronically and a paper copy was not available. Please be advised : my mother signed a paper form at the XXXX office. Also, in XXXX, Care Credit finally closed the account and advised me the account was being forwarded to collections. ADDITIONALLY, After Care Credit was informed of the XXXX of the primary cardholder, the billing statements are now being sent in my name!! Since my mother 's XXXX, whom is the primary cardholder, I 've been receiving billing statements from Care Credit ( last one sent in XX/XX/XXXX ) and collection letters from XXXX XXXX in XXXX, Ohio, because my mother and I resides at the same mailing address. I attempted on multiple occasions to explain that my mother did not have a power of attorney and she did not have an estate and that I am NOT liable of this debit. I would NEVER consent to be a secondary cardholder or be a responsible party of such debt when I have not obtained employment over 20 years! Today ( XXXX/XXXX/XXXX ), I received a collection letter from XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ok ... in reference to this debit. As of today, XX/XX/XXXX the debit is listed at {$1500.00}. I have sent validation letters to Care Credit/XXXX XXXXXXXX XXXX XXXX, and now the XXXX XXXX of XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX. As a consumer, I feel that I am unlawfully being harassed over a debit that is not mine..it belongs to a woman now XXXX, and I would like all collections activity against me to cease and be removed from all credit reporting agencies ( XXXX, XXXX XXXX XXXX ). I am requesting a full investigation of business practices as I feel Care Credit/XXXX XXXX is in violation of the Fair Debt Collection Practices Act made pursuant to 15 USC 1692g Sec 809 ( b ).  Where is the proper validation?

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 2022-04-04
Company: Experian Information Solutions Inc.
State: LA
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:
I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three agencies.

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