BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
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: Was not notified of investigation status or results

Complaint:
OnXX/XX/2021 I Sent a letter regarding inaccurate and unknown things on my credit report to this day its very frustrating to not receive a response back yet and its been well over 60 days. I feel like Im being taken advantage of and ignored of my disputes. Section 611 ( a ) it is plainly stated A failure to investigate these items within 30 days 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 Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently alert by XXXX  and XXXX  about RMP Services LLC flagging my credit files with an collection account XXXXX {$210.00}. I instantly disputed the fraudulent account with XXXX  and the account was removed. This account is not mine. RMP Services LLC is effecting my credit rating by reporting this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have written to the credit bureaus and have asked for fraudulent activity to be removed from my credit reports. Over 2 months have gone by and I have not received any notifications or responses from the credit bureaus.

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 2023-04-07
Company: ACIMA CREDIT, LLC
State: TN
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:
Derogatory Information has been placed on my account by Acima Digital and it needs to be removed. acct number XXXX. 15 USC 6801 ( a ) The Gramm Leach Bliley Act states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. I did not give consent for XXXX XXXX XXXX to share any of my information with any nonaffiliated third party. Acima Digital is currently furnishing a Charged Off account on my consumer report. The Internal Revenue Service defines a charge off as income also known as a certificate of indebtness and according to the law Income can not be reported. Furthermore, there was no notice of my right to Opt out of credit reporting that was clear and conspicuous in accordance with the Gramm Leach Bliley Act. According to Acima Digital 's privacy policy they only share information with their affiliates and no other. This charged Off account needs to be removed immediately. This directly violates 15 USC 1692d ( 1 ) in which XXXX XXXX XXXX has harmed my reputation by reporting this derogatory information. Per 15 USC 1681n ( a ) ( 1 ) I am entitled to compensation of monetary relief of {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: PA
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:
PLEASE SEE FTC 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
PLEASE SEE FTC 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 non-monetary relief
Consumer complaint received 2017-12-21
Company: AES/PHEAA
State: CA
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:
Interactions with XXXX : XXXX/XXXX/XXXX - I received notice that my forbearance was ending under the Standard Repayment Plan, and I saw that I qualified for the Revised Pay As You Earn plan ( REPAYE ) and filed documents to certify for the plan. 
XXXX/XXXX/XXXX - I was notified by XXXX that I would be asked to make a {$5.00} payment under the Standard plan to switch to REPAYE, and the instructions said to simply pay the amount when the bill was due by XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - I paid the {$5.00} required to switch to REPAYE. 
XXXX/XXXX/XXXX - XXXX sent me a denial letter, saying I did n't qualify for REPAYE because I did n't make the payment on time. Keep in mind that this letter was sent BEFORE the due date of the payment ( XXXX/XXXX/XXXX ). 
XXXX/XXXX/XXXX - Called XXXX to clarify ; a representative stated that the rejection " should n't have happened '' and she stated that she would open the application to be re-processed for REPAYE. She stated that someone must have denied me despite them having record of me made the required payment to switch. 
XXXX/XXXX/XXXX - Received a letter of disclosure from XXXX stating that I am in repayment under the Standard Repayment Plan, not REPAYE. 
XXXX/XXXX/XXXX - Called XXXX, spoke to XXXX XXXX # XXXX ), and he noted that my application still had n't been processed to switch to REPAYE, but it was " open. '' Meanwhile, I have a payment under the Standard plan due in XXXX ( more than I can afford ; the REPAYE plan allows for lower payments ). XXXX stated that he would need to put me in forbearance again to avoid having to make the payment in a few weeks, and stated that he put me in forbearance for just XXXX month and that the application " should be processed '' before XXXX 's payment date. 

It is unacceptable that processing applications for repayment plans takes this long and are rejected for false reasons XXXX lack of payment when payment was clearly provided ). I was hoping to make my first payment under REPAYE in XXXX, but I 'm still not even on the plan yet with no set time guarantees for when it will be processed. No representative has been able to give me a set time for when the REPAYE application will be fully processed, except that they hope it 's going to be " before XXXX. '' Meanwhile, my interest continues to accrue due to shady business practices by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
XXXX and Transunion have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 :

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 2022-12-26
Company: Paypal Holdings, Inc
State: CA
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 debt supposedly through PayPal. I had an account that I closed XXXXXXXX XXXX ago. The debit says that as if XX/XX/22, XXXXXXXX XXXX later I somehow owed {$62.00} even though I didnt receive anything from PayPal and my account was at {$0.00} when I closed it. I called PayPal and they confirmed they didnt send any emails and couldnt verify the account that supposedly has a debt. The account number is XXXX. 

I tried the all XXXX XXXX XXXX XXXX and they are closed. Also, this is a scam so I dont want to interact too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have 2 mortgages with SHELLPOINT MORTGAGE SERVICING with perfect payment history, untill covid 19 hit and i called in to seek assistance. somehow i find out mon ths later on my creit report that they are reporting me delinquent for 2 months on one of the 2 mortgages. i called in again and a second time and both times i was told that i didnt request assistance but they would apply retroactivley and retract the negatives on my credit. i did ask for assistance as evident by the help i received on the other loan. So to tell me i did not seek assitance on one while asking assistance for a second is lacking in the principle of a reasonable conversation. it never came off my credit so i assumed it was just a technicality and i contested with XX/XX/XXXX and it came back " accurate ''. the servicer knew i was impacted by covid 19, i actuallyXX/XX/XXXXand am still suffering yet they choose against the CARES ACT to punish me through there so called acurate reporting without u ndestanding at all that it was through the washington state governor stay at home order that undercut my tenants ability to pay and therby mine as well. 
If one seeks assistance and the assistance is missed but that institutions records show that ypou did seek assistnce and were impacted by covid 19 and then ask for them to correct their error and they dont, is that not the exact reason why the CARES ACT was implemented to give leeway and understanding to the chaos of the pandemic for both furnisher and consumer. 
The CFPB regulates thre FCRA, and congress passed the CARES ACT to help all of us affected by COVID 19 including your institution. I called many times immediatley and following up yet you refuse to accomodate at the time or retroactivley due to the circumstances falling upon us all. 
Covid 19 afffects all of us the CARES ACT helps all of us navigate this I had covid 19 which may impact me forever, but so will your negative credit reporting that you choose to report negative and should not have and should have already retracted. this is in violation of the CARES ACT, at least its intent as i understand it to exist to avoid this disconnect

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a letter from a debt collector at my work. The debt is over 10 years old and they sent it to my place of employment. I have sent them notification to cease all contact with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with Citi Financial and I make my payments on time and in full. The entire time I have had my card my minimum payments have continued to rise and my interest charged has risen as well. I have complained to them but there was no help and they were very rude. If I make my payments on time my payments I should not be penalized with higher payments and since my balance has gone down I should not be charged more interest.

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX  and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. TransUnion reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. XXXX still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.

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 2021-05-13
Company: AVANTE
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Byrider Franchising, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This request for Validation for ACCOUNT # CNAC-XXXX Date of Charge Off : XX/XX/2020 made pursuant to the Fair Debt Collections Practices Act. Be advised this not a refusal to pay, but a notice that your claim is Disputed and Validation is requested. This is NOT a request for verification or proof of my mailing address, but request for VALIDATION made pursuant to 15 USC 1692G Sec. 809 ( b ) of the FDCPA. I noticed that there has been an account placed in the charge-off status. I Request All Documentary evidence needed to Prove This Claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: AVANTE
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not been to XXXX XXXX XXXX XXXX XXXX ever, this is an unauthorized account fraudulent account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: WI
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:
A credit report agency XXXX report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2019-08-12
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I submitted a " Total and Permanent XXXX '' form by my Doctor from XXXX XXXX XXXX XXXX, XXXX, MN to the U.S. Department of Education for a discharge of my student loan which took effect that year. Now 6 years later The U.S. Department of Education 's Loan Servicer " XXXX '' of XXXX, XXXX ( XXXX ) XXXX is trying to collect on this discharged loan.They are lying telling me over the phone that they have no information about my XXXX loan discharge and that XXXX took over as a New Contractor for Dept.of Education in XXXX. They Maliciously had their collection agency " Debt Management and Collection System '' take my XX/XX/XXXX EIC tax refund of {$63.00} and my XX/XX/XXXX Minnesota tax refund {$1500.00} this is theft. I filed a Complaint with the Minnesota Attorney General 's Office. Now these vindictive people has a 3rd party collection agency PBCM of Colorado harassing and threatening me for a debt I do not owe! These malicious and lying people at XXXX are requesting another Discharge Application from my Doctor and/or Social Security Admin. to again discharge this loan a second time, this is Fraud! Please tell this collection agency PBCM in XXXX XXXX, CO ( XXXX ) XXXX to stop calling and hanging-up on me, they are in violation of the Fair Debt Collection Practice Act. Please tell PBCM collection agency to Cease and Desist and for them and XXXX XXXX and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO ( XXXX ) XXXX ) to return my money they have stolen from me and Cease and Desist from taking my tax returns. 
They have also violated the 120 grace period from XX/XX/XXXX since filing my Discharge they were not supposed to take my tax refunds under this 120 day stipulation. These people are all unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Webcollex, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a fraud account that was supposedly fixed after I filed a police report and affidavit ( attached here ). Now CKS Prime is reporting it as a collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Chase quick pay with XXXX XXXX Money sent through XXXX to sellers bank account. Tickets not received. {$600.00} sent from chase to sellers bank. Unable to stop authorization once sent. Delivered and accepted. Tickets never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I applied for and was granted forbearance during the Covid pandemic. All loan modification paperwork was sent back to the mortgage and approved, however it was never processed and I was never notified. I continued to make my mortgage payments not knowing the mortgage company was applying those payments to the months during the forbearance period. For the last 6 weeks I have repeatedly asked for a COMPLETE payment history from the beginning of my loan including escrow only payments that I made but they have sent only partial history. I have called the VA and they too have tried to retrieve the information and their requests have gone unanswered. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Fraud. 
Someone opened XXXX XXXX credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both XXXX XXXX nor XXXX. 
Froze all credit reporting 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