BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MI
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 Fair Credit Reporting Act : XXXX XXXX XXXX, has violated my rights. My account # XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

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

15 U.S.C. 166b A. A creditor may not treat a payment on a credit card account under n open end consumer credit plan as a late payment for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Fair Credit Reporting Act : XXXX XXXX XXXX, has violated my rights. My account # XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

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

15 U.S.C. 166b A. A creditor may not treat a payment on a credit card account under n open end consumer credit plan as a late payment for any reason.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: NJ
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 written several letters to Experian, XXXX and XXXX to resolve this matter, and have not been notified.

Under 15 USC 1666 ( B ), there has been a violation under 15 USC 1681 ( B ) my rights have been violated. 
Under these laws, my consumer rights have been violated XXXX XXXX XXXX XXXX XXXX acct 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 2021-12-02
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I received a notification from my bank ( XXXX XXXX XXXX XXXX ) of a debit from my account as I do for every transaction. When I looked at it, and saw the amount, and didn't recognize it, I immediately called XXXX to find out what it was. I was told it was a purchase from my account that I knew I did NOT make, nor authorize, and I notified XXXX that this was not initiated by me and had to be fraudulent. They gave me the information to the company that the goods were ordered and I also contacted them. They verified that the delivery address was not my address and I told them that I did not order the goods and they should not send them out. I advised them also that this was fraud. I then contacted my bank and put a stop payment on the order and closed my account as it had been compromised. I assumed that since I told them right away that this would be handled. I have not used that XXXX account again since then. I am now receiving a notice of assignment from a debt collector for XXXX for the amount of {$610.00} which I do not owe bc I did not order, authorize, nor receive goods from them or anyone else stemming from this fraudulent purchase. I contacted XXXX on XX/XX/XXXX to advise yet again that this debt is not mine and is in FACT fraud and they refuse to release me from it. I am requesting that it be removed from under my name and SSN immediately and not be reported to and agency causing defamation to my character. I would also like to exercise my consumer rights under Title 15 USC 1681m ( f ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Mercedes Benz Financial Services
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:
XXXX is reporting an account with Mercedes Benz Financial as a chargeoff/current debt when my debt balance is now XXXX with XXXX owed. The balance is approximately {$6000.00}. XXXX is refusing to manually check the records of Mercedes Benz to confirm that the debt is at a XXXX balance. Mercedes Benz is lying about me having a debt owed with them and their internal records needs to be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: WI
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
on XX/XX/XXXX i called XXXX XXXX to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call XXXX XXXX there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since XXXX took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.

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 2017-09-28
Company: EQUIFAX, INC.
State: PA
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:
Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am in the process of getting a house and I have found several violations on my credit report by the credit agencies. It is my understanding that I should have been contacted within 30 days of resolution to my letters that I have sent to the credit bureaus. It has been over 60 days and I have still not been contacted. The violations that I am a victim of are affecting my personal life and goals and I demand the violations be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, we purchased 2 cell phones from a XXXX XXXX retailer, XXXX XXXX. The sales representative, XXXX XXXX, sold us a bundle package for 2 cell phones, 2 tablets, 2 virtual reality headsets, a XXXX XXXX device, a XXXX XXXX, and other cell phone accessories. During the purchasing process four additional lines were activated with a 2-year agreement on each. XX/XX/XXXX, we decided that we no longer wanted the XXXX XXXX device and we contacted XXXX to terminate the attached line of service ( XXXX ). XXXX informed us that we would be liable for a charge of {$100.00} for early termination, which we agreed to and paid XXXX XXXX for. On XX/XX/XXXX, we received a collection letter from Aldous & Associates regarding a collection attempt on behalf of XXXX XXXX for {$20.00}. I contacted XXXX XXXX to inquire if they had any outstanding charges on our account and we were informed that our account with XXXX XXXX was current with no outstanding charges. Afterward I contacted XXXX XXXX, the sales representative said that he could not consider the matter and that I would " have to physically come to the store and speak to the manager tomorrow between XXXX XXXX and XXXX XXXX. '' I then contacted Aldous to inquire what the outstanding charges for the collections were for and they told us that XXXX XXXX charged us a bill of {$20.00} for breach of contract for early termination on the XXXX device. We asked the collection agency why did the retailer not notify or send us any correspondence regarding the issue before this collection letter? They responded that " XXXX XXXX feels like this is more effective. '' Therefore, I was not afforded the opportunity to correct the alleged charges before my credit is at risk of being damaged. Additionally, I reviewed my signed Sales Agreement with XXXX XXXX and there are two sections regarding agreements to the policies. The first section states the Early Termination Policy in which we honored with XXXX XXXX. The second section is regarding policies with XXXX XXXX, which I was not asked ( and I did not ) sign. In the second section, it explicitly states that " I have obligations to XXXX XXXX that are separate from my obligations to XXXX. '' It continues with another early termination policy allowing XXXX XXXX to recover payment. Again, this second section is not agreed upon and I was not asked by a sales representative to sign it for the sale.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I were forced to file bankruptcy ( Chapter XXXX ) last yr due to health/job loss issues- our Mortgage company Carrington Mortgage is now sending us notices saying we are behind in our mortgage payments which is totally false- we have proof that we made 11 mortgage payments in XX/XX/XXXX, which paid us up through XX/XX/XXXX. But our mortgage company is falsely stating that they havent received a payment sinceXX/XX/XXXX. We have contacted them multiple times and tried to get to the bottom of the discrepancy and they always give us a different story. They refused to give me a local Carrington Mortgage office location so I could bring in PROOF of payments- so I had to look it up myself. I need some guidance on how to deal with this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX account added to credit report for amount of {$2700.00}. Then later updated as a collection account through internal collections, XXXX XXXX XXXX. Verification nor validation received upon request. Later received a collection debt letter from ERC, dated XX/XX/2018 stating that they were authorized to resolve account for less than amount owed for {$1700.00}. I sent a validation request to ERC. Received a response letter from XXXX XXXX dated XX/XX/2018 stating that it ( the letter ) received serves as validation that I owe a debt to XXXX XXXX. No documentation was received showing proof of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I wrote to XXXX XXXX and requested a deference. Their email system is closed to me. Even though I have an account with them and they are my loan service company. I would like a deference and that my account be opened with a username and password. I have ended the service with XXXX XXXX and they no longer represented me in student loans repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Services LLC Loan No. # XXXX Phone No. # XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX was my first and only lender until XXXX XXXX XXXX bought XXXX XXXX XXXX on or about XX/XX/XXXX. <P/>After XXXX XXXX XXXX bought XXXX XXXX XXXX their sales personnel campaigned hard on me to refinance for a lower monthly payment on my mortgage. <P/>I, XXXX XXXX XXXX didnt know any better so my wife and I refinanced with XXXX XXXX XXXX. I believe we were tricked into refinancing. <P/>After 5 long years of giving XXXX XXXX XXXX all the documents they requested for working out a Short Sale the Short Sale personal finally agreed to allow me to do a Short Sale. <P/>XXXX XXXX XXXX agreed to a payoff of {$200000.00} in which they would be paid in full. <P/>On or aboutXX/XX/XXXXI called XXXX XXXX XXXX and customer service answered and informed me that they now longer service me and they sold my loan to Carrington Mortgage Services LLC.
<P/>I called the XXXX XXXX XXXX customer service department and asked the representative why XXXX XXXX XXXX sold my loan for pennies on the dollar to Carrington Mortgage Services LLC and take a loss when they were going to be paid in full? <P/>The XXXX XXXX XXXX customer service representative told me that they have the right to sell my loan to anyone and anytime they want to. <P/>On XX/XX/XXXX I submitted a complaint with the CFPB No. # XXXX against XXXX XXXX XXXX and asked very hard questions about producing documents. <P/>XXXX XXXX XXXX response was that they gave everything to Carrington Mortgage Services LLC and I would have to contact them for any requested documents. <P/>I dont believe Carrington Mortgage Services LLC can produce the XXXX XXXX XXXX to XXXX XXXX XXXX documents Because XXXX XXXX XXXX, in my opinion never had them. <P/>In my opinion its as though XXXX XXXX XXXX never had any documents to give and XXXX XXXX XXXX covered their tracks by getting me to refinance. <P/>The question below is a very important one and I believe that 's why XXXX XXXX XXXX sold my loan to Carrington Mortgage Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: NJ
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:
Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there were violations on my report credit report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet and it has been over 60 days. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now and it has been over4 45 days. please assist me with getting these items deleted.

The bureaus are in violation of 15 USC 1681a ( 2 ) ( b ) I did not give written consent to furnish any infofmation, Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violatio. I demand that the items be deleted from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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/XXXX I received a notice from Portfolio Recovery Associates trying to collect on a debt I do not owe. 

I Mailed a letter to Portfolio Recovery Associates on XX/XX/XXXX letting them know I do n't have a debt owed to them. 

I asked them to prove this account was mine. 

I have not heard from them. 

This collection account is not mine. I do not own Portfolio Recovery. I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX which is dated XX/XX/XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XX/XX/XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. According to the old credit report Portfolio Recovery Associates opened in XX/XX/XXXX and was last reported XX/XX/XXXX. The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. I do not owe this debt as it shows it was issued in XX/XX/XXXX. This was 12 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a tuition answer student loan of {$4100.00} from Sallie Mae while attending college at a set rate, and Salliemae transfer the loan to navigate. Although I am making payment on the loan, the amount owed keeps going up due to the loan servicer constant increase of percent of the loan rate. My balance since 2007 still shows {$2500.00} ; although I have paid over {$5500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AmeriCollect
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: Old information reappears or never goes away

Complaint:
Americollect is incorrectly reporting a medical debt they assumed and first reported XX/XX/XXXX as a new debt opened XX/XX/XXXX. The original debt was from a XXXX XXXXXX/XX/XXXX and they purchased the debt and reported it starting XX/XX/XXXX and it is now listed as a new debt opened XX/XX/XXXX. This caused significant damage to my credit ( a XXXX point drop in score ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2021-03-05
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: Public record information inaccurate

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Each Account is in the document attached to the complaint I demand that the following account be verified or removed immediately :

Company response to consumer: Closed with explanation