BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding Portfolio Recovery {$580.00} Portfolio Recovery {$280.00} Portfolio Recovery {$460.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws.

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.

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 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
AS A CONSUMER, I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THE FRAUDULENT ITEMS TO BE REMOVED FROM MY CREDIT REPORT. I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THE CHARGES AND THE ACCOUNT ARE NOT MINE, I HAVE NVERE RECEIVED THESE CARDS I HAVE NEVER USED THESE CARDS, AND AN MY AGE I DON'T NEED ANY CREDIT CARDS.

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 2018-03-27
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am enrolled in the public service loan forgiveness and have been since XXXX. My loans have changed hands a number of times and are now being handled by XXXX. I should be due to have them pay off my loans by the end of XXXX. I received a payment count of 64 in XXXX, which then suddenly dropped to 59 and 61 payments. This makes no sense as the payment is applied to all loans, not just one. This does not reflect the length of time that I have been making payments on my loans. I called and asked for a reason and they could not give a reason. I asked for a recount on XX/XX/XXXX and was told it would take 60 days. Today is XX/XX/XXXX. I called them today and was told that it is still being counted and they have no idea when it will be complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CONTRACT CALLERS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I received a XXXX XXXX alert that collection was added to my account. Here is information from XXXX  XXXX  : Creditor Information CONTRACT CALLERS INC XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Opened : XX/XX/2020 ( 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Placed for collection Original Creditor Name : 11 XXXX Contract Callers Inc registered at XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX has never contacted me about this debt. They did not send me a letter or call me over the phone. I am very upset no one informed me about this debt and that now I have a derogatory mark on my credit report. 

I would like to : 1. Complain about CONTRACT CALLERS INC unethical debt collection practices. 
2. Have CONTRACT CALLERS INC validate the debt they are trying to collect. 
3. Remove derogatory marks from my credit report from all 3 Bureaus and provide a written statement that they did it.

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 2021-05-03
Company: National Credit Adjusters, LLC
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:
To Whom It XXXX Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding National Credit Adjustment {$420.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) by not placing the disclosure within the required XXXX period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you XXXX be liable for your willful non-compliance, as per FCRA XXXX ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. XXXX XXXX of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Byrider Franchising, LLC
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: Account status incorrect

Complaint:
I received a high interest loan through J.D. BYRIDER / CarNow Acceptance Company ( CNAC ) located on XXXX XXXX XXXX XXXX in XXXX, Texas My vehicle was hit while parked on XX/XX/2020 by a drunk driving accident and assessed by the guilty parties insurance as a total loss damage I also informed my auto loan broker ( CNAC ) / auto dealer J.B. BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas of the auto accident that occurred on XX/XX/2020 along with my intent not to make an installment payment towards my auto loan until all of the particulars with the car accident was handled and the insurance check from the guilty party 's insurance company was to be dispersed on approximately XX/XX/2020 furthermore i informed the finance department of CNAC / J.B.BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas on approximately XX/XX/2020 as well as on XX/XX/2020 that I would no longer be making installment payments towards my auto loan until further details as to the initiation and implementation of the ( Pandemic Assurance Unemployment Benefits ) for Texas unemployment recipients due to the Covid-19 Pandemic On approximately XX/XX/2020 I attached and text a copy of my Work Search Notification Suspension Letter from the Texas Work Force Commission suspending our requirement to search for work due to the Covid-19 Pandemic as  well as my Statement Of Wages and Potential Benefit Amounts to prove my unemployment status thus placing me eligible to take advantage of the protections afforded to me by the Cares Act of 2020 never the less the Finance Manger for CNAC / J.B BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas only be known to me as XXXX still had the account placed in collections as well as added additional late fees along with extra finance charges to the remainder balance on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Before I graduated in XX/XX/XXXX, I was unable to make any student loan payments. During that time, Navient began capitalizing my interest ; so now my ~ {$40000.00} student loan is {$87000.00} ( it was more, but I've paid some of it down ). When I make payments, the majority of my payments go mostly, if not all, to interest ; so my principal hardly ever goes down. While I was a graduate student, Navient called me incessantly on the phone for me to make payments. I constantly told them I had no income other than a graduate teaching stipend ; they offered to reduce my interest rate to 1 %, which allowed me to make minimum payments. In XX/XX/XXXX, Navient increased my interest rates to between 11 % on some private loans to 14 % on another. Over the last 24 months, I made 37 payments ( 13 more than required ) totaling {$12000.00} ; 15 of those payments of {$6400.00} went solely to interest ; none of the 15 payments reduced my principal. Of my last 15 consecutive payments of {$7600.00}, {$200.00} went to principal while {$7400.00} went to interest. Of those last 15 payments, 9 of the payments of {$5000.00} were applied to interest only ... none of it went to principal. My payment history for the last 24 months, showing 37 payments, is included in this complaint. I called Navient two weeks ago to negotiate a lower interest rate ; I also asked them if I could get these loans refinanced by another company would they reduce the capitalized interest to what it really should be ; the customer service representative told me they only do that if I am in default ; they will not negotiate any lower interest rates or reduced interest costs if I am current on my loan. My loan principal is barely receiving any of the funding I am sending. My monthly minimum loan payment to Navient is {$870.00}. However, many times my minimum loan payment is applied to interest only, so loans I took out when I was XXXX will not be paid off until I am XXXX even though I am sending every paycheck to my student loan providers. According to Navient, my only option is to stop making payments with them to force them to negotiate a better rate, which sounds ridiculous. I am being gouged. How can the CFPB help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( XXXX ) Name : XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX & XXXX  ) Address : XXXX XXXX XXXX ( XXXX XXXX Experian ) Address : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( XXXX, XXXX, Experian ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( XXXX ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( Experian XXXX XXXX  ) Please remove unauthorized inquiries from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 Times ) 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 and XXXX XXXX XXXX   XXXX XXXX XXXX ( 3 Times ) 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 explanation
Consumer complaint received 2020-08-23
Company: John C. Heath, Attorney at Law, PLLC
State: MI
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:
Date open XXXX Then it says original Balance XXXX but than says collection account XXXX past due as of XX/XX/2019 status updates XX/XX/2019 please look it to my credit report because I was with Lexington Law for 4 years and all accounts have been removed I thought until I just checked and there back on there and I would like to know how if items have been removed than they should stay removed. Please look over my credit report and fix the things that need to be fix. I paid Lexington Law a lot of money to fix my credit report to find out its not fixed so there is something very wrong going on and needs to be investigated and fixed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ACIMA CREDIT, LLC
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: Their investigation did not fix an error on your report

Complaint:
ACIMA CREDIT : ACCOUNT NUMBER : XXXX IS REPORTING 60 DAYS LATE ON XX/XX/2018 AND 30 DAYS LATE XX/XX/2018. THIS ACCOUNT WAS NEVER LATE AND THE COMMENTS ON REPORTS ARE NOT ACCURATE. THIS COMPANY HAS NOT FURNISHED PROOF THAT THEIR STATEMENTS ARE CORRECT AFTER MULTIPLE ATTEMPTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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: Investigation took more than 30 days

Complaint:
these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.

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 2018-04-22
Company: Ocwen Financial Corporation
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:
IN REGARDS TO: OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF OCWEN LOAN SERVICING CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND  WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF  IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT OCWEN IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS  PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We sent {$200.00} deposit via Paypal for a puppy dog. we later found out it was a scam.

Paypal can release other party 's information only if ordered by a court. my bank is trying to somehow get money back with cooperation with Paypal. Refunding is not as easy of sending money. money sent to  XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation