BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: NY
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:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a collection account on my credit report from Convergent Outsourcing for {$120.00}. The debt showed that it was for XXXX and I still had an active XXXX account. I called XXXX to see if I owed them anything, since no letters were ever received from XXXX, and they told me no. My account is up to date and I have {$0.00} balance. Since then I started a long journey of trying to remove the collection account from my credit. I called Convergent Outsourcing more than 100 times since I started and every time they told me I have to pay and would just hang up. I was able to get to a higher department and we had a 3-way call with XXXX where XXXX collection dept confirmed I did not owe anything. However, they said they did not care and I still owe the money. I was out of options as they are very rude every time you call them and do not want to cooperate with me at all. On XX/XX/2022 I sent an oficial debt validation letter to Convergent Outsourcing and received NO response at all. At this point they are breaking the law Under the Fair Debt Collection Practices Act ( FDCPA and I am demanding for this collection account to be removed from all 3 of my credit bureaus.

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 2017-11-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 2020-02-04
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US Bank Home Mortgage continues to fail to report payments to the credit reporting agencies. I received and reviewed the extensive reply from US Bank. The information provided in the response offered some clarification but also directly contradicts what they are reporting to XXXX  and XXXX. Attached is a letter from US Bank stating that they have applied a payment made in XX/XX/XXXX to the contractual payment for XX/XX/XXXX. Also attached is a copy of my credit reports ( XXXX  and XXXX  ) showing no payments reported at any point in XX/XX/XXXX or XX/XX/XXXX. Additionally, payments were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these payments appear on my credit report at any point in XX/XX/XXXX or XX/XX/XXXX. I understand the delinquency status. I understand the process of the TPP. However, I have done extensive research and I have learned that the payments made on the loan should be reported ( even if being reported in XX/XX/XXXX ) to the credit reporting agencies and US Bank has not complied. The last payment date as it appears on my credit report should be accurate and it is not in fact accurate which means US Bank is not in compliance. This negligence has real-life implications which has had grave consequences to me. 

Additionally, the co-borrow and myself have made dozens of attempts to make contact with US Bank in regards to the TPP, to confirm payments or that paperwork has been received and various other important information with no response. I am happy to provide proof of at least 10 emails made to US Bank 's RMDM Consumer Protection group, the previous relationship manager and the new relationship manager, to which I never received any response. I am happy to provide proof of at least a dozen phone calls to US Bank in which we spent hours waiting on the phone only to receive false or conflicting information. Customer service remains appalling. US Bank has little regard for the real life implications of their negligence. As a consumer, I would never recommend US Bank to a friend or family member.

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 2023-12-15
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent a request to MOHELA for information on my PSLF history to be updated or instructions to update the information on XX/XX/XXXX. Their site says 3 business days for a response. Other sources say it could take up to a month for a response. I waited until XX/XX/XXXX before sending another message requesting the same information. I still have not received a response. I sent another message today, XX/XX/XXXX. I am now taking the complaint to the CFPB to hopefully get somebody's attention at MOHELA. 

PSLF requires 10 years of qualifying payments. I have been paying since XX/XX/2013. I have worked in XXXX XXXX since XX/XX/2013. I have certified my employment. They claim all of the payments I made since XXXX were not qualifying because I had no charges due. I can assure you they absolutely were due and were paid. I have done my due diligence and am being ignored by a company that likely gets paid XXXX  if not XXXX of tax dollars to service my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: American Credit - Credit Repair Centers
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. 

This valid complaint is for the XXXX year. Credit Services Organizations that operate in California are required to file a registration application with, and receive a certificate of registration from, the Department of Justice before conducting business in this state. The registration for all Credit Services Organizations in California expired on XX/XX/XXXX. Beginning on XX/XX/XXXX, as new registrations are issued by the Department of Justice. American Credit Repair is not on the list and does not have a DOJ certificate which makes illegal to operate their business without it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I XXXX XXXX called into my discover card for an inquiry about if my son in law who is/was my managed user went through id-theft and paid the debt from XXXX XXXXXXXX with a XXXX  who would be responsible to write or pay it off. Generically, I answered my own question and told them that it was just a inquiry and not to dispute anything. However, the agent decided to dispute XXXX XXXX  and got 2 of my son in laws cards closed because they thought we disputed it even though we wrote a letter and signed it with our ids and statements stating these are valid and not to take further action, with that said they didnt listen and to this day months later when we did the XXXX in XXXX and they decided to dispute it on there own accord after my inquiry we were not able to have it undone despite the letters stating we withdrew all of the disputes and they would return the money to the proper institutions. This was never done to this day they keep saying we owe them money and the institution they took it from at the same time without anyones consent to dispute the claims. We called countless times and talked and emailed executives with no luck about this card and we are suffering massive credit harm from what they did and massive balances on these cards that were paid off. My son in law runs a business and cant produce what he needs because both of our credits were destroyed by there negligence and they are refusing to return the money and give us a letter of bank error so we could fix our credit. Everytime I call in there is no answers and they will not undo the disputes and send random letters such as now Im not responsible for the debt one week to being held responsible to still having to pay both institutions and everyone is suffering my wife is XXXX on XXXX and I can not downsize my home because my credit has been ruined and they will not fix it or respond no matter what I do or send them. I have documentation and letters of this confusing mess when all that had to be down was withdrawn and return the money to all institutions. Discover credit card has ruined my life and my son in laws with no remorse. We called every week for the past 2months and are fed up and need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: MA
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:
A lender has declined a loan application on the basis of an Experian report and " reasons '' provided by Experian ( letter attached ). 

A number of these reasons appear to be incorrect. 

In multiple interactions, Experian has refused to define the reasons they provided with their report, or explain how the status of my account ( s ) meet relevant thresholds for those reasons. 

( e.g. Experian has refused to explain on what time duration they calculate credit utilization - monthly, quarterly, etc. They have likewise refused to define what constitutes the " high '' utilization they flagged on my report. It seems dubious that my current 1 % utilization meets any reasonable definition of a 'high ' ratio ).

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 2023-02-27
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2023 XXXX XXXX XXXX added a derogatory on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX Account # 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

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 2021-10-29
Company: Carvana Group, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I authorize Carvana and associates to respond to this complaint in its entirety I XXXX XXXX am a consumer under federal law no third party is involved when creating this complaint. 
I applied to Carvana with the intent to initiate a consumer transaction. After I reserved one car your company told me I could not afford the first and needed to select another I than chose another vehicle while my employer is giving me a grace period to return to work time goes by and the vehicle chosen was still not available a month later, I ask your customer service reps will I still be approved for the vehicle or if I should choose a new vehicle. They stated I would be fine. I chose a new vehicle and now I am unable to get the vehicle or able to return to work because my job requires a vehicle. We sort the matter out and moved on to verification I verified who I was with multiple documents they told me the documents could not be used because they stated Street ( St. ) instead of Avenue ( Ave. ) which the us postal systems manage that information and says it is ok as long as the zip code is a match. After I sent in all documents I called the staff so they could allow me to know if the documents were eligible for approval the guy stated yes and he approved them. Told me congratulations we will send you a congratulations email and or text letting you know your vehicle will be arriving XX/XX/XXXX. I even started an insurance policy on the XXXX XXXX XXXX with XXXX XXXX because I was given the ok that this vehicle would be mine. I then receive a cancelation email from XXXX stating they will no longer approve my consumer transaction even when I already paid for the vehicle with my signature on the promissory note or contract which under 18 U.S. Code 8 - Obligation or other security of the United States defined https : XXXX Also this was deceptive and unfair practices 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.https : XXXX2 UCC 3-402. SIGNATURE BY REPRESENTATIVE. https : XXXX # XXXX If the represented person is bound, the signature of the representative is the " authorized signature of the represented person '' and the represented person is liable on the instrument, whether or not identified in the instrument. 

I have more violations with supporting exhibits that will be used in the Affidavit Of Truth and intent letter if this matter can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Upstart Holdings, Inc.
State: IN
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
A dispute letter to remove an item on the Lexis Nexis report, generated in my name, was sent to Lexis Nexis via certified mail on XX/XX/2021. On XX/XX/2021 I sent an email notifying them of the mailing and attaching the letter mailed. According to the certified mail return receipt Lexis Nexis received and signed for the letter on XX/XX/2021. To date I have not received an update or response regarding my dispute despite it being 32 days since I sent the email and 30 days since they received mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to address a matter of utmost concern regarding an alleged debt collection activity initiated by the General Revenue Corporation ( hereinafter referred to as " GRC '' ) approximately XXXX months ago. The purpose of this complaint is to underscore what I perceive to be a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ). 

During the aforementioned time frame, I was contacted by a representative of GRC via telephone. The purpose of this communication was to request payment for an alleged outstanding balance associated with XXXX XXXX. At that time, I took the opportunity to clarify my stance on the matter. I explained to the female representative on the phone that I had previously disputed the balance in question directly with XXXX XXXX. I emphasized that, according to the terms of my XXXX loans, it was XXXX XXXX XXXX responsibility to address and manage any financial obligations on my behalf. To my astonishment, my sincere explanation was met with a sarcastic comment from the GRC representative, which I found to be highly unprofessional and discourteous. 

Furthermore, during this telephone conversation, I explicitly requested that GRC provide me with all pertinent documentation pertaining to this alleged debt in writing, as mandated by the Fair Debt Collection Practices Act. According to this legislation, debt collectors are obligated to furnish a written debt validation notice within five days of their initial contact with a debtor. This notice should include crucial information such as the amount owed, the name of the creditor, and instructions on how to dispute the debt in writing. Regrettably, I have not received any such documentation from GRC despite my repeated requests. 

To compound these concerns, I have recently discovered that GRC has reported this disputed debt to a credit bureau. This action has had a detrimental impact on my creditworthiness and financial standing. This act, coupled with the aforementioned issues, demonstrates a disregard for both ethical debt collection practices and the legal obligations outlined in the FDCPA. 

I am deeply disappointed by the unprofessional conduct exhibited by GRC during our interactions and the apparent disregard for the FDCPA regulations that are in place to protect consumers. Therefore, I kindly request that GRC immediately cease all collection activities related to this alleged debt and rectify any negative reporting made to credit bureaus. I understand that GRC will try AFTER this complaint to mail me the required information, but at this point, they have violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans transferred to Mohela earlier in 2023 and they put me on the higher IDR payment in error due to " not recertifyingin time '', but that was pushed out due to the covid forbearance. It took several months from XX/XX/2023 to XX/XX/2023 for my IDR plan to be corrected due to Mohela 's processing mistake. I was told by multiple supervisors that the forbearance time from XX/XX/2023 to XX/XX/2023 would still count towards PSLF as it was placed on my account administratively to allow Mohela time to correct their mistake. I also have a forbearance covering XX/XX/2023 as well that I didn't request and that was Mohela 's doing. I'm participating in the PSLF program and want everything to be in compliance to count towards PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation