BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc.  ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

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 2020-11-18
Company: Autovest, L.L.C.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XXXX I was served for collection on a repossession. The debt was charged-off and sold to Autovest, LLC. I went to court, and worked out a payment arrangement with the creditor 's attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), so a judgement wasn't granted or entered in the court. I was paying on the payment plan for several months until I defaulted in XX/XX/XXXX. 

The creditor 's attorney sent me a letter, appearing as if it was responding to a judgement. The letter is on the county court format, and states " Notice to Judgement Debtor Pursuant To Section 24-33.5-704.3, C.R.S. '' The form is dated XX/XX/XXXX, but it states " This form is applicable until XX/XX/XXXX, unless extended by the Administrator to a date not later than XXXX, XXXX, XXXX '' I feel like the creditor is trying to intimidate me, or scare me into thinking that a judgment has been issued, but I contacted the county court and they have no record of the case number. Additionally, I did a statewide public record search, and checked my credit reports, and there aren't any judgements in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report. 

I have been asking since XXXX of 2019 on more than 4 times! 

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items.

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!!

3. The date opened : XXXX is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate. 

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked XXXX directly to do so and for proof. 

They clearly like to play games and not abide by the law!

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 2019-10-23
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: Information belongs to someone else

Complaint:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I paid the loan off in the XXXX XXXX This scammer called me and keeps calling about credit scores and adverse effects. XXXX is the number they used this time. They try to block the number but this time it showed up their computer program must have glitched on them.

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 2022-11-19
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:
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 2017-12-19
Company: CITIBANK, N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car Title from the NY DMV shows a Lien from Citibank. l have had this car from XX/XX/XXXX and can not recall my borrowing or pledging the title for a loan.l have contacted Citibank as well as XXXX XX/XX/XXXXand neither of them have any records of loans to me against this vehicle..l then contacted My Title Support, com for assistance but their response again showed that there was no account.l therefore need a Release of Lien or a Letter of No Interest so l can produce this as evidence that there are no liens on my car TitleI have exhausted calling and faxing to different agencies in the hope of getting this resolved but unfortunately l have been unsuccessful ... I need Help

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 2022-08-05
Company: Experian Information Solutions Inc.
State: DE
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-11-18
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I contacted Credit Control Corp in order to dispute several medical bills that were just placed on my credit reports without notifying me by mail of the debts and allowing me to dispute them. This killed my good credit rating. I asked for a debt validation letter and asked could they please provide contracts with my signature making me obligated, which they could not provide. I've had health insurance at the time the services were rendered, and I provided them with the proof of my health Insurance cards. They still did not remove the erroneous account. I sent them a second letter on XX/XX/2020 demanding that they comply with the law and remove this account that they could not verify. The company still continued to send me medical bills stating I owed the debt. On XX/XX/2020, I contacted the company for the 3rd time to hopefully resolve this issue and they will not comply with the law. I do not owe this debt and I continue to get harassed by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a customer of XXXX XXXX at my home in XXXX XXXX California. XXXX XXXX XXXX XXXX XXXX CA XXXX account : ( XXXX ). When I terminated the service ( XX/XX/2018 XXXX and moved overseas I had a credit balance on my account and had expected to have a check in the mail on hold at my PO Box . Months later I decided to just check on the account to make sure everything got processed I was told that I now owe {$220.00}. What? I learned that XXXX never turned off the service in their system despite me returning all of the equipment. I called three separate times over 12 months and each time I was told they would fix. Dispute XXXX / XXXX as agent - 2nd attempt with history. Not only did they not fix it, they turned it over to collections which has affected my credit score. The easy thing would be to pay this but it is a matter of principal. Honestly I just want this cleared. I do not care about getting my credit back at this point. The fact that a companies systems are so screwed up and focused on the customer being wrong that they can not even correct their own problems internally speaks volumes.

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 2019-06-06
Company: Lending Club Corp
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 I decided to apply for a personal from the lending club. After carful review of my credit score 737 and a stable job of 8 plus years with an annual income of {$120000.00} should be enough to qualify for a {$20000.00} loan. Not the case at Lending Club. I was told that I didnt qualify for a loan because my loan to income ratio was to high, my total debt {$8000.00}. I was confused because it made no sense.i asked how they determined this I wanted to know what credit model and credit score range was used. Lending club explained XXXX supplied the information and credit questions should be  discussed with them. After speaking with a XXXX rep they do not deal with income ratios. Moreover, XXXX wanted to know what credit score model the lending club was using, having a high CS they were confused as well. I called the Lending Club back spoke to XXXX the floor supervisor said apply again online using a different email address and to call him back after I applied again. This time around I would qualify for a loan with a co-signer. I asked him over and over again to explain to me what in my credit history doesnt qualify me for a loan. He made no sense kept saying I need a co-signer and hung up the phone. Its my understanding of a lender denied a loan they should explain in detail the issue preventing me of approval so I can change or fix the problem. Keep in mind this is the short version of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: First Data Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I attempted to pay for food items at XXXX XXXX in XXXX California on XX/XX/19 for $ XXXX.They ran the check through Telecheck who declined the check do to possible fraud.I then phoned Telecheck at ( XXXX ) XXXX at was told that they declined my check because their system had no information on me and that I had not written a check to this merchant since XX/XX/2019.This made no sense to me and I then talked to a supervisor who told me the same thing. I then told the Telecheck supervisor that this checking account has been open since XX/XX/XXXX and has an average balance of {$5000.00} and that we write over 300 checks per year.She could not give me any other answer other then their systems algorithm reconized my {$42.00} check as a possible fraud. She further stated that now that I had given Telecheck   my name ( and spouse ), mailing address and telephone number this decline should not happen again, but only after seven days which their system needed to refresh.I have always known Telecheck as a negative date base for bank accounts that merchants could use to cut down on bad checks.It now appears that they decline checks without any negative report of an issue in order to have people give them their personal information.My hunch is that they then market this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I mailed out a certified letter to Portfolio Recovery requesting proper verification and a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

They have failed to verify any of the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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:
equifax hippa and privacy rights violation, you state you will not investigate at this time, this is a serious matter doc 's enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for temporary expanded public service loan forgiveness as I am a XX/XX/XXXX in the VA XXXX XXXX XXXX government employee ). I uploaded my employment forms on the fedloan servicing site. I contacted fedloan and spoke to different customer service agents regarding my paid ahead status. All of the payments I have been making through covid and prior are not counting towards my loan forgiveness. My account has been in a paid ahead for quite sometime. As a consumer making additional payments and doing the correct thing by paying them although the balance has been {$0.00} for quite a while, this is not right. The agents told me there is nothing I can do as far as those extra payments. I was told to change my payment plan to an income driven and reapply after being in that particular plan for 10 years ... what! My loans will be paid in full before then so why would I change to a higher monthly payment with an income driven repayment and for a longer span of time and still not be able to apply for this? Something needs to be addressed with this issue. I have uploaded statements that show my paid ahead status as well as the documentation about changing my repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: NY
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:
THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING

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 2019-06-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I been dealing with the credit bureaus for months now I have sent in all the documents that have ask me to send in to prov that i was a victim of identity theft.The accounts are still on my credit I would like for them to come off

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 2020-11-27
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a mortgage account # XXXX that was orinated with MB Financial in XX/XX/XXXX and sold to Fifth Third Bank. I filed bankruptcy but have retained my home and maintained all payments of my home at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I requested to Fifth Third and MB Financial to report my mortgage payments and the actual mortgage to the credit bureau. 

This has not been reported since my bankruptcy was filed in XXXX. I am requesting the full 6 year history to be reported to the credit bureaus to reflect that I still have a mortgage and it is currently being paid. 

Thank you.

Company response to consumer: Closed with explanation