BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-25
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1st phone call with Hudson Valley occurred on XX/XX/2018 - They requested amount of {$2300.00} for charged off account balance of {$1800.00}. I requested explanation of difference in amount and they explained this was amount from original creditor ( XXXX XXXX XXXX ). Confirmed with XXXX XXXX XXXX on same day the amount reported by Hudson Valley that was incorrect. Hudson Valley has requested incorrect amounts and has threatened to sue for account if account is not paid in full amount for balance of {$2300.00}. 

Hudson Valley has also never sent out Debt Validation letter to home address after numerous attempts of doing so over the phone and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
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:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: ACS Education Services
State: TX
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:
Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a zero balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX  is and has always been in good standing but XXXX is the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo has the mortgage on my home. I have had a diagnosis of an incurable XXXX and all of a sudden have no income except my social security income. The XXXX has filed for a collection on a business loan and it appears on my credit report. Wells Fargo never gives you a reason why they turn you down on a modification, except to say there are discrepancies ; they do not allow you to explain the discrepancies. The first time I had a modification was several years ago, and that was when the investigation into mortgage fraud was uncovered. That was a nightmare, with lies, having to submit documents several times, personnel changing and having to start over. Then the only thing they did was to instead of a pick a payment, added a second lien to my property which didn't accrue interest but it was accruing on the pick a payment. These XXXX  that I talk to at Wells Fargo promise that it will only take about two days ; every time I submitted information they said they didn't get it. 
As of 2015 I was diagnosed with a critical incurable XXXX, which cut off all ability to work. I was able to keep up the payments for quite a while, but gradually fell back, until now I owe {$12000.00} to bring it current. 
I applied a year ago for a modification, and the same thing happened ; no explanations, and finally when they denied it, they said something about discrepancies, which I couldn't figure out. Their contacts don't seem to know, and when I asked, they said they have no information. 
I tried to keep up the payments, but wasn't able to ; I was able to make one payment a month, but it was still behind. All of a sudden, I get a notification on the door of foreclosure and apparently the house is in the bank foreclosure MLS list ; no notification. I can not believe Wells Fargo can continually get by with this ; they treat their customers very badly, lie to everyone, and then refuse to be accountable. I need some help. I don't know if there is a foreclosure date, ( I put NO because I don't know. )

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 2022-08-31
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
New American Funding has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been paid by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A & B ) New American Funding has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim. ( Exhibit A ) New American Funding has violated 15 U.S. Code 1892b ( 2 ) by trying to collect an alleged debt from me outside of my state. ( Exhibit A & B ) New American Funding has violated 15 U.S. Code 1692f ( 8 ) by allowing their logo to appear outside the envelope which violates my privacy so that everyone can assume I owe something when I don't. ( Exhibit C ) New American Funding has violated 15 U.S. Code 1681b ( a ) ( 2 ) by furnishing this information without my written consent to credit reporting agencies. ( Exhibit D )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: CORELOGIC INC
State: MS
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 large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX has the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX has the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has the following : XXXX ( 3x 'S ) XXXX XXXX XXXX XXXX ( 2'xS ) 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 2017-04-26
Company: EQUIFAX, INC.
State: TX
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:
Called  XXXX / XXXX / XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CarMax, Inc.
State: LA
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 Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a car payment account under an open end consumer credit plan as late for any purpose. " Yet I see that there are " late payments '' being reported on my consumer reporting file which is severely impacting my ability to be extended credit and damaging my reputation. 

According to the Fair Credit Reporting Act reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. Therefore the reporting of said late payments is not only against the law, but you're voluntarily doing so Whether knowingly or unknowingly, you're voilating my rights as a consumer and you are hereby being given notice to correct your wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
They have the wrong information and dates wrong

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 2017-04-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have several accounts which are still reporting late payments when i always qualified for deferments or forbearances and can show i was receiving public assistance during those times and account should not be showing late payments, and i see duplicate accounts being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$2700.00} ; XXXXXXXX XXXX XXXXXXXX : {$2200.00}.

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 2018-11-25
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve debit with XXXX XXXX by requesting information to prove debit. 
1st issue, I requested Singed contract. No less than 4 times, none returned. 


XX/XX/2018 letter sent stated acct Sold. 
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a natural person, I am a living human being, i have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number 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 non-monetary relief
Consumer complaint received 2019-08-21
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX ( not sure of correct date ) I had a hearing with XXXX as well as Illinois XXXX XXXX XXXX. During my phone hearing I informed both the hearing officer, as well as the rep from Illinois XXXX XXXX XXXX, that I did not owe the debt that they were claiming I owed. The hearing officer as well as the rep from Illinois XXXX XXXX XXXX informed me that in order to clear the debt I would have to provide attendance records from my sons school that showed he did not attend the after school program for which I was being charged. The hearing officer suggested that I not appeal the amount being owed until i gathered all of the necessary information, and both the hearing officer and rep from Illinois XXXX XXXX XXXX suggested that I pay on the debt so that it did not go to collections, and if it was found out that I did not owe what they were claiming, I would be reimbursed. In XXXX I received an agreement from XXXX that I would pay {$57.00} each month on the XXXX in order to satisfy the debt. I remitted payment of {$57.00} on XX/XX/XXXX. On XX/XX/XXXX I went to the school DHS and Illinois XXXX XXXX XXXX stated I owed the debt from, and they had no record of my son ever being in their after school program, and stated they never received any payments from the state. I faxed Illinois XXXX XXXX XXXX this information, and reappealed my original dispute on XX/XX/XXXX. Today on XX/XX/XXXX, I received a notification from XXXX XXXX that a new debt had been added to my XXXX  account- it was the debt from DHS/Illinois XXXX XXXX XXXX. I immediately contacted the collection agency and told them that I was disputing the debt, and that it had already been in dispute within the 30 day time frame that I am allowed by LAW, and that a payment had already been made on the account, and therefore it was not past due so they were reporting deceptive practices to the credit bureaus. XXXX told me that I didn't know what I was talking about, and that they could not remove the debt from my credit report unless XXXX advised them to. I explained to XXXX that Harvard Collections was in violation of the FDCPA because I had already disputed, in writing with XXXX that the debt was not valid within the 30 day time frame, and had already made a payment so the debt was not pat due and he insisted on telling me that they were within their rights to report this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
So i have been javing difficulties paying the loan and they have tried to work with me for a couple months. It all arose from being fired and without work from a job paying me almost XXXX a week + extra income to {$0.00} a week for 2 months until XXXX when i got a job making about XXXX a week... still making that now... anyways i told them i dont have money to pay for anything i can barely live and they keep making the amount lower id have to pay ... .okay i still dont have money ... as the last 3 months have gone i get no less than 5 calls PER DAY 7 days a week. text messages from multiple different numbers and im sure if i checked emails ... this is minnd you is affter i answered calls about a month ago saying i have until XX/XX/XXXX to maek a payment... i said okay ill see hwat i can do ... .then the kept calling harrassing me trying to get payments then and there or trying to post date something hen i explicitly tell them on the calls i hav eno money i go paycheck to paycheck i barely hve {$30.00} a week for food by tthe time my paycheck hits. so again im at work i receie 4 phone calls alone last night XX/XX/XXXX after XXXX during work service. then received messages as well. in total 28 calls since XX/XX/XXXX from one of their phone numbers another phone number 28 during the month of XXXX and XXXX another number 38 times between XX/XX/XXXX XX/XX/XXXX, aother number 5 calls in XXXX phone numbers XXXX XX/XX/XXXX - XX/XX/XXXXXXXX times XXXX XX/XX/XXXX - XX/XX/XXXX times XXXX XX/XX/XXXX - XX/XX/XXXX XXXX am most recent 28 times so far this month 4 times XX/XX/XXXX one at XXXX XXXX after XXXX XXXX XXXX calls XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: CCF Intermediate Holdings LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX This derogatory account was a result of identity theft. The original company was cashcentral {$310.00}. 
This has been resolved with both companies yet XXXX refuses to remove completely after agreeing to do so. Many many many times Ive called and been promised they would remove completely. Still on credit report. I am purchasing a house next week with this derogatory mark which is illegally still there. 
Leave my credit alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: VI
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/2020 I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach 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 explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX acct # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.

Company response to consumer: Closed with non-monetary relief