BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: MOHELA
State: VA
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:
On XX/XX/XXXX, and XX/XX/XXXX, I received an email and letter from the Department of Education. In regards to, Student Loan Discharge Based on Borrower Defense Evidence. The notice from the Department of Education stated, " Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. '' I have previously disputed with all credit bureaus and the issue has failed to be resolved. I contacted the loan servicer MOHELA after receiving written notice and was advised it will be removed in 90 days. This was not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, Equifax ) that  I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report, I noticed several fraudulent charges and/or accounts on my report. This has caused tremendous strain on my financial situation and prevents me from taking care of my family in the way I did previously.

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 2017-12-16
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Before I asked for debt validation, they used to call me very frequently and the language that was used was as if they were attorney 's collecting on a debt by representing the original company. 

After I asked for debt validation and they sent me the paperwork, the letter had, " XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ''. 

They sent this information in XXXX XXXX XXXX after I requested this information a few months ago. 

My main issue is that they present themselves as attorneys over the phone and in writing and this information is n't correct. 
Lastly, I do not claim this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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 the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

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 2020-03-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove the following account from my credit file, the account is not mines nor do i bare any knowledge of this account. For im not even the responsible party of this account. Please remove. 

1 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, Company Inquiries : 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 2019-06-05
Company: CURO Intermediate Holdings
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:
SOMEONE OPENED A PAYDAY LOAN UNDER MY INFORMATION ONLINE ... I DONT KNOW WHEN OR HOWS MUCH, BUT IT IS ON MY CREDIT REPORTS.. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
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:
It is very obvious that XXXX  is not concerned about accurate reporting ; instead the company bends to whatever untruths/mistakes that it's member corporations insist on reporting. I have submitted another dispute that is clearly a mistake on the company 's part, but XXXX either did not read the supporting evidence or refuses to force the company to modify the tradeline consistent with the status that is supported by the documentation. 
On XX/XX/XXXX, I submitted dispute # XXXX, is dispute to delete a tradeline. I filed because the creditor agreed to delete the tradeline as a result from a previous CFPB investigation ( XXXX ). The effective date of that deletion was XXXX, but as of XX/XX/XXXX, that tradeline still existed on my credit report. Evidently, the message to deltee the tradeline never made it to that company 's clerks who process credit reporting. So, in my most recent dispute, I attached the letter from the creditor which outlines the commitment and includes the tradeline deletion form. Instead of XXXX  reading and deleting the tradeline, they forwarded the dispute to Bayview ( now Community Loan Svcg XXXX again, and whatever clerk received the dispute responded back that the tradeline is reported correctly. So, it's clear that either XXXX didn't send the document to that clerk or that clerk didn't open to read the document from Bayview/Community committing to deleting the tradeline ( as of XX/XX/XXXX ). Attached is the documentation : 1. The CFPB complaint XXXX XX/XX/XXXX XXXX 2. Bayview/Community Loan Servicing Tradeline Deletion Commitment ( XX/XX/XXXX ) 3. Recent dispute results of tradeline deletion request showing Bayview/Community clerk responding the account is reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, 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: Problem getting your free annual credit report

Complaint:
Two weeks ago I received my annual credit report from XXXX online with no problems. On XX/XX/2018 at XXXX I applied for my XXXX  and Equifax annual credit reports online. I received from XXXX  but Equifax denied and demanded unusual documentation to be submitted by mail. Screenshots attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: AZ
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:
there's a debt on my credit report of {$2600.00} from XXXX XXXX XXXX opened on XX/XX/2021 that is not mine. I have contacted XXXX XXXX XXXX  many times to get this debt removed due to it being not my debt. I feel this is a fraudulent debt. XXXX XXXX XXXX did not contact me or gave me any validation letters about this debt. This debt is not mine and they will not let me dispute this with them. Due to this being fraud I want this removed as soon as possible.

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 2020-04-23
Company: SYNCHRONY FINANCIAL
State: AL
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 is trying to collect a debt from me, that is owed by : XXXX XXXX. My legal name has never been " XXXX XXXX '' and I've never opened an account with that name. I have been trying to get the name removed from my credit report. My name has always been XXXX XXXX XXXX. I asked them to provide verification with my signature, but they only send electronic documents that could have been setup or accessed by anyone. I do not have knowledge of such an account because I never applied nor held am account with the surname XXXX. This is not my account!

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 2018-11-16
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Chase auto and chase bank has been making my life way more difficult by closing my bank account and increasing my monthly payments on my auto loan. Also there business services closed my merchant account deliberately, making it difficult to make payments. I want significantly lower my payments and or reduce debt as a result of their predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Bread Financial Holdings, 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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: McNeil & Meyers Asset Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was removed and rendered to XXXX XXXX XXXX XX/XX/1987 in final divorce discreet proceeding. This debt was then placed on bankruptcy under XXXX XXXX. I have provided information over and over this debt does not belong to me and want it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Balance XXXX
Acc# XXXX
Opened XXXX
Closed XXXXXXXX


XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, MA XXXX XXXX XXXX
Balance XXXX
Acc#XXXX
Date opened 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 2023-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing this in response to a recent communication received from XXXX XXXX, dated XX/XX/XXXX, which claims that I owe a debt to them that has allegedly been sold to Portfolio Recovery Associates. I dispute the validity of this debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have been consistently making payments towards the alleged debt, as per my records and bank statements, directly to Portfolio Recovery Associates, pursuant to a payment arrangement established on XX/XX/XXXX. This arrangement was made with Portfolio Recovery Associates, and I have diligently upheld my payment obligations in good faith. 

Per the FDCPA, Section 809 ( b ), I request that you provide me with a written validation of this alleged debt. This validation should include the amount claimed, the name of the original creditor, and any relevant documentation that supports your claim. Until such validation is provided, I request that all collection activities, including reporting this debt to credit bureaus, be immediately halted.

Furthermore, I also demand that the entry of this debt on my credit report be removed in compliance with the FCRA, Section 623 ( a ) ( 1 ) ( B ). As per this section, information that has been reported inaccurately or can not be verified must be removed from the credit report. Since XXXX XXXX claims that I owe the debt to them, it indicates an inconsistency in the reporting and raises questions about the accuracy of the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
State: OH
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:
I had an auto loan with XXXX XXXX XXXX  in XXXX. My mother was co signer on the loan. She died in XXXX. XXXX XXXX refused to send the car title at the end of the loan, saying that I owed numerous late fees in the amount of {$1000.00}. I disputed this. I dont know when, but XXXX XXXX was acquired by Wells Fargo XXXX I just found that out today. The whereabouts of the vehicle were always known to XXXX XXXX, I have maintained insurance on the car since Ive had it. They could have repossessed it at any time. The debt was charged off and sold to XXXX XXXX. The amount due is now {$3100.00}. I have tried to reason with XXXX in an effort to resolve this issue but they are insistent on trying to get the XXXX that I do not have. I have asked them to come and get the vehicle, I even volunteered to have it towed to them. They refused. I can not sell this car as I have no title. The jump from erroneous late fees of XXXX to XXXX is ridiculous and I am seeking a resolution to this problem. Can you help 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