BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Financial Recovery Services, Inc.
State: NY
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:
Improper use of consumer report and violation of consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I deferred my payment for my student loan and they were still charging me during my time of deferment. So on my credit its showing that I have multiple late payments because they claim when I deferred my payments I was not specific on which account. I make one payment monthly for all my loans why would I have to specify which account I was deferring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: KY
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 unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: ATLANTIC UNION BANKSHARES CORPORATION
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2019-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
JP Morgan Chase Bank, N.A. sent the IRS a 1099-C for a student loan account from 20 years ago. Over the last 20 years I was financially unable to pay either unemployed or had too many financial debts. The lender refused to work out any kind of payment plan so the account became time barred about 10 years ago and now that I am employed they are using the 1099-C as leverage against me and retaliating because they can not garnish my current wages by lying to the IRS stating they forgave the debt in XXXX for which they never did, they never notified me of a debt forgiveness and they are trying to get another tax deduction for an unpaid debt they I am sure already received a tax deduction for and putting me in a position to have to pay tax on the debt. What business can get a tax deduction for an unpaid debt from years and years ago? If they are not gaining a tax deduction, then why did the submit the 1099-C if it is not an attempt to leverage the IRS against me or as retaliation for debts on their financial ledger they can not collect on because they are legally time barred? Since XXXX or XXXX the IRS changed their rule requiring creditors notify debtors of the forgiven debt within 36 months, now that that IRS rule has been eliminated it appears that the lender is taking liberty to go back years and years on time barred from legal action debts and taking a legal action anyway by filing a fraudulent 1099-C. I don't think the 1099-C can possibly be valid on such an old debt. This is consumer financial abuse for debts that are already time barred. The private student loans total {$19000.00} which is a great deal of tax I am being required to pay now. How can this be legal? Is it simply because a lender sends in a 1099-C?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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:
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 1483 reporting standards and this account removed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: WA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/23 I received 8 credit alerts on my XXXX credit card account. My XXXX XXXX had dropped 70 + points!!! Puzzled I checked in and my student loan company, American Education Services, had put 8 alerts saying that they were unable to reach me. I was puzzled because Id just gotten a notice saying they had changed my guarantor a few weeks before and they said they didnt need me to do anything. I called and they said the knew the issue was widespread among people who had their guarantor changed but they didnt know why and since they only do credit reporting at the end of the month they couldnt fix it. I think thats asinine- I didnt do anything wrong and my credit is tanked. Its after the end of the month and they still havent taken them off- can they be made to fix it? I am trying to pay off debt to raise my rating but this is unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management reported to XXXX   that they were the " Collection Agency/Attorney '' for XXXX and reported that I owed {$530.00} to XXXX and that XXXX should report in on my credit report as " PLACED FOR COLLECTION '' on XX/XX/2019. I have never received any services from XXXX. I first contacted XXXX by phone asking about the debt and they told me they could not find any account for me. When I asked why their " Collection Agency/Attorney '' had reported the debt to XXXX  they stated they would put me on hold and contact Credence Resource Management. They left me on hold for a long period of time before finally taking me off hold and immediately hanging up. That call lasted 42 Minutes and 6 Seconds. While still on hold with XXXX I called Credence Resource Management on another  phone. I was transfered to 4 different people claiming to be " Customer Service '' in the first instance, " Collections '' in instances 2nd and 3rd and " the Legal Department '' in the 4th instance. Each person told me they were not able to locate the debt and asked for a lot of personal info, which I provided and also asked for the XXXX account number, even though I had explained several times that I had never had an account with XXXX. I finally hung up after realizing there was no attempt at all being made to help me and instead was being transfered around a call center as a tactic to wear me down and I hung up. That call lasted 41 minutes and 51 seconds. I then contacted XXXX and disputed the {$530.00} entry for all the reasons mentioned above. XXXX   states I will receive the decision in the dispute within 30 days. Based on the many complints I see online about erroneous XXXX debts being collected by Credence Resource Management and the experience I had with neither of these companies making any attempt to resolve the issue, I feel something sholld be done to curb this activity from continuing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On August 1 ,2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. 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 reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is not proper information on my credit report. I have sent the ID theft information several times with no removal. I have enclosed the proper information from removal.

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 2023-04-07
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a XXXX loan that originated in XXXX. I have paid plus/minus {$800000.00} since XXXX. The loan is now serviced by XXXX  XXXX XXXX. 

Bank of New York Mellon wrote on XX/XX/XXXX to me and the CFPB the following but did not provided the requested documents that I requested proving that they in fact are the trustee for my loan. 

" Re : Case Number XXXX ; XXXX XXXX XXXX the Consumer ) and XXXX XXXX XXXX XXXX XXXX, XXXX, DC XXXX XXXX the Property ) To whom it may concern : The Bank of New York Mellon XXXX formerly known as The Bank of New York XXXX BNY Mellon XXXX XXXX has completed its research of Case XXXX. 

Our research shows that the Property secures a mortgage loan ( the XXXX ) serviced by XXXX  XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). XXXX XXXX acts as the trustee for the XXXX but does not service or have the authority to service the XXXXoan.

The Master Servicer is the party who is required to service the Loan, which includes, among other things, determining whether to modify, or respond to Consumers concerns related to, the Loan.

The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX and that any written communications be addressed to its Office of the CEO and President, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Please update your records to reflect the Master Servicer as the appropriate responsible party to respond to the Consumers concerns.

I request Bank of New York Mellon to provide documentation of their below statement. I have previously request such documentation and they have not responded.

" Our research shows that the Property secures a mortgage loan ( the Loan ) serviced by XXXX  XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). '' Thank you, XXXX XXXX, XXXX. 
( XXXX ) XXXX ( cell )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: DCN Holdings Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 I received an email from a XXXX XXXX with XXXX  XXXX  based out of XXXX, FL stating I owed a debt. I sent the attached email to him. ( attached as email 1 ) On XX/XX/2021 I received a phone call from the same company but this time it was a woman. I told her my rights, I told her to stop contacting me and she got very aggressive and abusive on the phone, yelling at me, threatening lawsuit and being able to seize my assets. I told her to review the letter sent to her colleague XXXX XXXX and I hung up the phone. 

On XX/XX/2021 I received another letter stating " here are the documents '' that you requested. I was not able to open the documents and an IT friend of mine who stated not to open them as they looked like potential documents with at could infect my computer. I also told them on XX/XX/2021 to only contact me via USPS mail and that email, phone calls, faxes and contacting anyone must stop immediately. They have not stopped. ( attached as email 2 ) I will file a lawsuit against this company if I receive correspondence of any kind going forward.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-29
Company: General Motors Financial Company, Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After moving home from my full time job in California ( back to NJ ) to try and help support my father and sister I have only been able to locate a part time job. My private loan with Citizens Bank/XXXX XXXX is 3 weeks of my paychecks for a part time job at {$9.00} an hour. That would mean I would n't be able to pay my car payment or car insurance ( along with other day to day necessities ) which in turn leaves me jobless. I am now behind and will never be able to catch up. Thus, both mine and my co-signers credit will be tarnished. 

I have called multiple times trying to work something out, even mentioning income based payment options and they have offered me nothing. They say I 've used up my deferment when I was trying to get my feet under me when I first moved to CA for work. 

I 've made a small payment, but the harassing calls will not stop they have said. 

At the end of the day I am aware that I am not the only citizen that is in this situation with college loan debt. These companies need to be more helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: OH
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 never gave this company permission to have or create or furnish a report on me. Because of this I have been having a hard time keeping my credit report intact because this company just basically violate my right to privacy and let just about any company place things on my report. I have been a victim of identity theft numerous times and have to do a lot to keep my credit in tact and take literal breaks to XXXX  heal from the damage thats non stop done to me. I have submitted ftc reports and had fraud alerts placed on my account before but now in really tired of it and I demand my privacy and want the following items in the attachment file corrected and removed and I also want a full in dept copy of my credit " file '' reflecting ALL items that are posted that I may or may not know about.

Company response to consumer: Closed with explanation