BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA!

I request that Jefferson Capitol verify the following information.

1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs.

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HUNTER WARFIELD, INC Agency Address :   XXXX   XXXX   XXXX   XXXX    XXXX , FL   XXXX   Date Reported :  XXXX /2017 Original Amount Owned : {$280.00} Balance Owned : {$280.00} Comments : No action was taken. No letter was received from Hunter Warfield or their client. I 'm in the process of purchasing the home and saw the debt on my credit report. I called Hunter Warfield to inquire on   XXXX   XXXX   2017 and was told that it was an attempt to collect a debt but they have no information or breakdown of the charge. Explained I did not receive a call, email, or letter from their client regarding any debt nor have I received anything from them. On J  XXXX   XXXX   2017 I called to verify email address and physical address for Hunter Warfield. The rep. gave me the information. However, my email address was blocked. I called back to verify the email and even had another rep. email me and when i replied to her email, it blocked me as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One is using unfair predatory practices. 
I have enrolled in their program to bring my card status current in the amount of {$150.00} with a balance of XXXX. I have paid my portions and stuck to their payment plan, ON TIME, Capital One continues to report late. I have asked Supervisor, XXXX # ID XXXX, at the end of the 3 month payment plan, my late charges be removed and updated with the credit bureaus and her response was no, and that Capital One will continue to report late until XXXX mo have been completed, and the Lates will not be removed from reports, even after the plan has been completed successfully, which has continually dropped my scores by XXXX points. 
I am upholding my end of the payment plan, working on my credit improvement and XXXX. is not. I explained to Supervisor that maybe Capital One should have a recording in full-understandable English. It was very hard to understand the agent 's thick heavy accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
: ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2023-07-20
Company: Navient Solutions, LLC.
State: NY
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 writing today to raise an issue with Navient. During the covid pauses Navient did not stop charging. The allowance of this is shameful ; however, this created another very concerning problem for those of us whose federal loans are held by multiple services providers. Namely, Navient now thinks it should be able to force IBR recertification on dates not congruent with all the other federal loans, meaning that borrowers like me now have two separate IBR recertification dates. The Navient one is not noticed or visible through the federal system, despite the loans they are servicing being federal.

This is a logistics nightmare and will cause borrowers to miss deadlines and be uninformed as to the correct recertification deadlines. Missing one of these deadlines has critical consequences and thus this treatment of borrowers should not be allowed. Navient should instead realign their due dates for recertification with the federal due dates for all federal loan holders.

Who can assist me in resolving this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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:
I have tried occasions to fix my issue with Equifax several of times. I have sent multiple complaints to Equifax because they have my information mixed up so they are showing accounts that I never had report false late payments. I have sent in disputes to resolve this issue. But when they send me results back. They are sending it back with a XXXX XXXX and not XXXX XXXX which is my name. I have tried calling them and sending then tons of information and they still haven't fixed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX  XXXX and XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Maximus Education, LLC dba Aidvantage
State: KY
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:
Before I consolidated my student loans with a parent plus loan, I spoke with XXXX at length about it and I was told that my payments made would still count towards discharge and would remain the same. Discharge in 25 years. They gave me credit for those months and continuously reported it as such. 

However, when AidVantage took over they changed it and took away those credit years showing now I owe another 18 years. I complained and they refuse to change it back. I filed a complaint with Student Aid and they just referred it back to AidVantage and it won't change. 

So, now I'm trying to file a complaint with CFPB to see if I can get this addressed and taken care of. I'm almost XXXX XXXX XXXX. The massive interest on the student loan has grown and it will never be discharged in my lifetime if I don't have credit for the years as stated by XXXX. If I get credit for those years, I will be close to discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity theft and please remove the inquiries

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 2021-12-16
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I responded to a letter I received from Creditors Bureau USA in which I requested validation of an alleged debt they claimed I owed. I requested specific signed documents showing that I owed said debt and also included a declaration to be completed, signed and dated by the authorized creditor ; then I sent the letter via certified mail with return receipt requested. On XX/XX/XXXX, my letter and its attachments ( 3 pages ) was received and signed for by Creditors Bureau USA, see EXHIBITS A & B attached. 

In late XXXX I received a response in the form of a bill that showed medical information including what looked like XXXX XXXX  I clearly requested validation of debt which was never provided. I sent a second certified letter citing failure to validate to Creditors Bureau USA, again requesting that they validate this alleged debit. My second letter and its attachments was received and signed for on XX/XX/XXXX, see attached EXHIBITS C & D. As of XX/XX/XXXX, more than 3 months later, I have not received a response from this collection agency, yet they continue to report this invalidated debt to the credit bureaus, a clear VIOLATION of my consumer rights pursuant to the Fair Debt Collection Practices Act. This action may constitute as FRAUD under Federal and State laws. These violations have caused me harm and must be remedied immediately. 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 2023-11-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: IL
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:
By law no creditor can report a consumer late until 30 days AFTER the due date of an account. My credit card payment due was originally {$39.00} by XX/XX/XXXX plus a {$39.00} late fee which equal {$78.00}. All other payment history was paid on time since having the card.

XXXX VISA is the creditor who just posted on my credit reports XXXX XXXX, XXXX  and Experian a 30 day late a few days after the due XX/XX/XXXX when by credit reporting law they are not suppose to post a late payment until 30 days AFTER the due date.

I am XXXX and ready to sue if it's not resloved in the next 30 days. My right is I can pay my bill after the due date ( XX/XX/XXXX as long as it is paid before XX/XX/XXXX by law for example. My credit was perfect before XXXX Visa posted a 30 day late on XX/XX/XXXX only 7 days after the due date. ILLEGAL AND I AM 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 2019-12-23
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to figure out why I continue being charged PMI insurance. My home was apprised almost a year ago by Quicken and I have clearly paid off more than what is needed to drop the PMI insurance. when it inquired they just tell me it will drop off automatically when it should. My loan with them should be paid off within the next 3 business days but I would like an explanation and refund for all the PMI insurance I have clearly been over charged on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: AXOS FINANCIAL, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I finally received favorable appeal decision from Texas Workforce Commission and a $ XXXX direct deposit back payment was issued from XXXXXXXX XXXX  on XX/XX/XXXX. 

Axos Bank has refused to release those funds, ignores the fact that XXXX affirms the transfer is complete on their end. 

This action by Axos bank; taking my $ $ hostage, should be grounds for drastic action and accountability!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX performed an unauthorized hard inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a dispute on XX/XX/XXXX to chime bank after noticing several charges that were duplicate amounts I never authorized on the same days at the same exact times and was told I would receive provisional credit by the 10th day. On that day I received an email stating I would not be given provisional credit due to the types of charges I was disputing and that within 30 days I decision would be made on my disputes. Okay fine whatever I can live without the provisional credit. Surely my money will be refunded once they look at my claim as it's clear as day it was duplicate charges as no one can make several charges in the same exact minute right?? So I keep checking the app and inquiring about my dispute... .they tell me now that it will take 90 days to make a decision. Which. Again. Whatever as long as I get my money back. So then on XX/XX/22 I get an email stating that they concluded their investigation and I would not be receiving my money back. Just like that. No further explanation. So I respond to their email and request the documents used and the info on how to appeal as I am allowed the right to do under law. And I get a generic email back that they are forwarding my email to the disputes department and someone would be in touch. 2 days later i get a link to my supposed documents by email and I click on the link. Only to find out it's a " forbidden request '' and there is no documents attached to this link. I email them and tell them this. And once again request my documents ... .and then I once again get the generic message that it will be sent over and the dispute department will get back to me ... .followed by an email saying within 10 days I'll get my documents ... ... but yet still no documents. I'm guessing because a mistake was made and they dont have a reason to deny my claim afterall. I am getting a 3rd party involved because I have read over 2k complaints against chime for this very reason and am disgusted in its practices. They should be held accountable for their actions to steal people 's hard earned money and if nothing else. Should be following the laws set forth to protect the consumer who trusts their money to a financial institution. Those laws are thrre for a reason. I am a single mother with no support system. Unable to work right now and that was a lot of money my children needed. And they just stop responding to my requests when I call them out on stealing my money. Its sick. Wheres my money and/ or my documents chime????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: EQUIFAX, INC.
State: OR
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 delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX   ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  XXXX ( Original Creditor : XXXX ) XXXX, XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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 re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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