BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: West Central Texas Collection Bureau
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a request to validate that a debt on my report is accurate with West Central Texas Collection Bureau for account number XXXX reporting on my XXXX  report. The company responded without providing any validation or proof that the debt is legally mine. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. West Central Texas Collection Bureau has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2019-07-11
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX- FromXX/XX/XXXX to XX/XX/XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XX/XX/XXXXand rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX fromXX/XX/XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XX/XX/XXXX, they only reversed the charges beginning inXX/XX/XXXX totaling {$2400.00}! My credit card was maxed from XX/XX/XXXX to XX/XX/XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on XX/XX/XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
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:
Creditor Name : XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX. - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Experian auto enrolled me to their membership and do not let me unsubscribe. They keep charging me XXXXmonth and there is no way to cancel the service. They are stealing money from me and I cant stop them from doing that since they have my credit card information.

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 2020-02-10
Company: EQUIFAX, INC.
State: AR
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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX  XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
since XXXX I have unsuccessfully tried to reach out to Discover Student Loans for assistance with my private student loan repayment. I have sent countless emails, talked to several representatives with little to no help. I understand the debit is mine and I am not trying to avoid paying back my debt however I have stressed multi times the monthly payments are just not manageable!!! payment deferment is only a temporary fix - I need a long term solution. After researching student loan modification I stumbled across an article written back in XXXX by Discover Financial Services stating they would be offering loan modifications- the plan would lower interest rates on distressed customers - this option was not offered to me! I understand each situation is different an must be worked out based on each individually borrower. I like many others that are looking for a solution however many complaints show that borrowers who sought to negotiate a modified repayment plan were denied - Why???? Can someone PLEASE help me find a more management solution????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXX XXXX indicating charge off /collection/write off - other, which now has a zero balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.

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 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXXXXXX XXXX indicating charge off /collection/write off - other, which now has a XXXX balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.

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 2022-12-16
Company: EQUIFAX, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hi CFPB, In XXXX of XXXX, I applied for a loan from Chase Auto Finance to buy a car that I had previously leased at the end of the term of the lease. I agreed to pay {$12000.00} for the value of the car and asked for Chase Auto Finance to handle the title on the car. They charged me {$1100.00} for the sales tax on the car and a {$15.00} fee for the Certificate of Title. I wrapped this amount into the loan balance at 5.19 % for a total of {$14000.00}. 

On XX/XX/XXXX, I received an envelope with the unfiled title paperwork from Chase Auto Finance. Evidently, they were unable to title the car, and I was forced to handle that myself. However, this envelope didn't include a check for the sales tax, which was part of the balance of my loan. Sitting in the DMV is always no fun, but without the check for the sales tax, I paid the sales tax out of pocket, {$1100.00}, on XX/XX/XXXX. The way that I see it, they loaned me this money for the sales tax, but they never actually gave it to me ( or to the State of California on my behalf ). 

On XX/XX/XXXX, I called Chase Auto Finance for a refund of the tax, service fee, and refund of the interest on the portion of the additional principal due to the sales tax. It's been a month, and I have still not received more than an auto-generated reply from Chase. I certainly haven't received the refund of the money I paid them : Certificate of Title Fee ( {$15.00} ), Estimated Sales Tax ( {$1100.00} ), and 9 months interest on {$1100.00} at 5.19 % APR. 

I'm still paying on my loan, which I have never missed a payment on. That said {$1200.00} is not a small amount of money to me. I don't particularly want to pay back this money when it was never loaned to me in the first place ... and then there's interest .... I'm providing documentation, all of which I have also sent to Chase. I have the original loan paperwork with the sales tax itemized, the cover letter from Chase saying explicitly that no check was included with the title information, and my receipt from the DMV. I'm sure you guys deal which much bigger problems than mine, but I hope you would do something on my behalf. 

Very best, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo is in violation of RESPA guidelines and in violation of CA HBOR. This dispute is being filed to establish a paper trail of these  violations for litigation purposes. 

1. RESPA requires lenders and servicers who receive a modification package to acknowledge receipt of that package within 5 days and provide an answer to that request within 30 days. Wells Fargo has received a complete package yet has established delay department referred to as a re entry department which has made Wells Fargo violate RESPA guidelines. The package was submitted on XX/XX/18. As of today XX/XX/18 we have been advised the re entry department is unnecessarily holding up the file for erroneous reasons. This is not acceptable 2. Wells Fargo re entry department states their mission is to determine whether a person can apply for a loss mitigation option based on previous attempts. CA HBOR removed the provision this year that allowed lenders and servicers to deny borrowers loss mitigation review based on previous reviews. Therefore this is an illegal practice by Wells Fargo and it must Cease and Desist that practice in CA.

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 2018-12-20
Company: Experian Information Solutions 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:
I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.

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 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.PLEASE BE INFORMAED THAT THE DISPUTED ACCOUNTS DOES 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 2019-05-15
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today, XX/XX/2019 I signed into my Mr. Cooper account to make my monthly payment. I am actually one month ahead on my mortgage payments and should be due for XX/XX/2019. This is due to all of the additional payments that I have sent in since the beginning of the year. 

I have called numerous times and was told that the matter would be corrected. It was briefly updated to show that I was due for the XXXX   payment which I signed in to pay. Now it is showing due for XX/XX/2019 AGAIN. I have technically already paid XXXX, XXXX, XXXX, XXXX, and XXXX. 

I can not afford to pay XXXX  and XXXX  again. I am very upset and do not know what is going on. This is a major error and should be corrected again. 

Please help as I have contacted Mr. Cooper numerous times and no one ever knows what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: TN
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:
There is an account that is reporting twice on my credit report. Once by the original debtor and one by  the company that purchased the debt. This is still showing as derogatory XXXX/ XXXX  XXXX and XXXX XXXX XXXX XXXX. This is hindering me from purchasing a home due to the derogatory status.

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 2019-05-14
Company: Experian Information Solutions Inc.
State: MD
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:
Fraudulent inquiry occurred on XX/XX/2017 from XXXX please remove immediately.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$1600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I paid of a collection on XX/XX/2019. Filed a dispute with TransUnion and the other bureaus on XXXX thinking that it would move it along faster, but the collection agency filed the " notice to delete '' on XXXX also. But, apparently, when a dispute is filed, all information received is ignored unless it is sent thru the XXXX system. The information has been there for almost 2 weeks and the bureau ( unlike the other 2 bureaus who had it cleared by XX/XX/19 )  has still not changed the file to reflect the paid off collection. However, when I look at the TransUnion website, it shows to have come off but my score tanked, and when my bank tries to get my score, it still shows. This company also has no one in the office that can help at all. There customer service seems to be outsourced to somewhere overseas because you can barely understand 90 % of the agents that you get on the phone. I have called multiple times and had no luck getting anyone that could help me with this issue, they all give me the same story that they can ONLY accept information thru the XXXX system after a dispute has been filed. If that is the case, their system is flawed and needs to be changed. They also refuse to accept any documentation from me that is not sent by ground mail. It is unfair to anyone to require them to send info that they have to correct an issue by mail when they can send it immediately by fax or email. The dispute would be settled by lack of response within 30 days before they ever looked at any items that are sent by ground mail.

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 2019-05-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I went to check my credit report and they had disputed stuff that I didnt dispute and called to ask the credit repair company if they disputed those items and they did not and would not dispute those because they do not dispute positive items. I believe this was done in retaliation for the last complaint and would like to talk to a manager. Because since last complaint they still are reporting incorrect information like they are reporting XXXX XXXX  as correct these were placed in bankruptcy and they are still reporting it as if it is active. Now this is getting crazy why would I dispute positive information to increase my score. I will give my sign in information so that it can be looked at. They are really trying hard to not remove anything while the others have removed the very thing I have disputed then added a new account thT they say is mine such as XXXX XXXX that was opened this year. I have not used XXXX XXXX at all this year and disputed it and they stated they are looking into it I know this is fraudulent activity in their part. They are disputing all the new credit XXXX the positive ) I have against me. I want the disputed on my new information taken off immediately and I want to talk to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Resurgent Capital Services L.P.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LVNV FUnding had placed an account on my credit reports which I settled. They then turned around and placed an open account on my credit reports after the settlement. I have no account with them and the accounts are settled. The inaccurate accounts that are being reported should be removed immediately from the major credit bureaus.

Company response to consumer: Closed with explanation