BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: IA
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:
Equifax closes a previous case and does not investigate, their INCLUDED WITH QUOTES. 

ASKING XXXX  IF EVERYTHING IS CORRECT IS WILLINGLY HURTING ME. THIS HAS BEEN GOING ON FOR 6 YEARS, AND YOUR RESPONSE IS TO SAY YOU WILL INVESTIGATE? YOU HAVE INVESTIGATED OVER 20 TIMES AND HAVE MORE THAN HALF OF THE MONTHLY REPORTING AS INCORRECT. YOU HAVE BEEN REPORTING SOMEONE ELSE 'S ACCOUNT ON MY CREDIT REPORT FOR 6 YEARS AND YOU DO NOTHING ABOUT IT. I WILL TURN A XXXX LAWSUIT INTO MILLIONS. YOU DO NOT GET TO RUIN SOMEONE'S LIFE FOR 6 YEARS AND COUNTING AND REFUSE TO DO ANYTHING ABOUT IT. 

YOU ALSO KEEP ADDING A CALIFORNIA ADDRESS ON TO MY CREDIT REPORT THAT HAS BEEN DISPUTED OVER 5 TIMES AND YOU REMOVE IT AND ADD BACK A FEW DAYS OR A FEW WEEKS LATER. YOU SHOULD BE SUED FOR XXXX XXXX FOR RUINING LIVES. 


" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-27
Company: EQUIFAX, 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For the past ten years, I've made the biggest mistake of ever attending XXXX   due to a suggestion of going there to finish my XXXX  and get an XXXX XXXX degree. I attended one semester, and realized that the school wasn't true to it's mission when I was forced to take out student loan after student loan, while taking classes that had nothing to do with what I wanted to major.

I left XXXX  one semester after, and transferred to a XXXX  college. XXXX had other plans to damage me unfortunately. I couldn't get any credits transferred to a XXXX XXXX college I went to, so I started from the beginning. No sweat, only one semester of work but still was some good core classes. The loan providers of XXXX wanted to start taking money out of me, threatening me with all sorts of actions. This forced me to take a break from school to work and make some money to repay that.

The final coffin was transferring to a four year, because after I submit my application, I was left in limbo with no words or anything. Was told to re-apply a year later, a ton of fake excuses, and all this while still XXXX 's many loans wanted to linger and damage me even more.

HESC ( where my loan currently is ) has tried plenty of times to garnish my wages, to have me pay MUCH more than what I can even currently budget for. Refuses to ever work with me, and pretty much has destroyed every aspect of my life credit/money wise.

All this while I just heard that XXXX closed it's doors, yet I'm stuck paying so much money cause the school claims I was there for a full year which is a huge lie.

I really don't know what to expect from this, I've pretty much given up. But it still leaves a huge bad taste in my mouth knowing I never had a traditionally college experience due to my mis-education while trying to receive an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: MRS BPO, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was applying for a home loan and found out that I had a debt with " MRS Associates '' that was in collections. I did not recognized this debt. I contact them to find out about it and they said it came from XXXX XXXX. Even though I knew and communicated with them that I had already closed my account with XXXX XXXX  due to relocation, I didn't have supporting documents so I decided to pay the amount they claimed I owed as I needed that report removed from my account to be able to get my home loan approved. That was back in XX/XX/2020. I filled out a dispute so the report was removed from my credit report which they did. Now, I am trying again to get a home loan and the loan company is asking me for a letter where states that this account was paid and deleted, but when I reached out to MRS associates they wont provide me with any information. No statement, no letter, nothing. I am stuck right now because the loan will be approved with higher rates due to this report and MRS is not giving me options. I don't know where or who to contact anymore. I have reached out to different phone numbers and they cant help me. The last associate I spoke to " XXXX '' was horrible and wouldn't give me any options

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I exercised my rights pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY and asked Experian, on XXXX  to conduct an independent investigation for inaccuracy in reference to XXXX XXXX XXXX XXXX XXXX XXXX The account is reporting an unknown inaccurate and incomplete payment history. There is only one month ( negative ) reported which is inconsistent. Experian informed me that the inaccurate and incomplete information was " verified as accurate '', without providing any documents to support this opinion. 

By maintaining inaccurate and incomplete information with no justification violates the law and intentionally suppresses my credit score.

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 2022-12-24
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I reached a settlement agreement with Jefferson Capital Systems for a debt they purchased from XXXX XXXX. The settlement was for {$2800.00} and broken down into XXXX XXXX monthly payments. 

The first {$150.00} payment was made on XX/XX/22. The second {$150.00} payment was made on XX/XX/22. The remaining balance of {$2500.00} was paid in full on XX/XX/2022. 

Instead of updating the account to show that it was settled on my credit report, Jefferson Capital just reduced the original balance and still shows a past-due balance. I disputed this through the credit bureaus and it came back as verified and accurate. I then emailed their general counsel and he was completely non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery LLC received their final payment as confirmed by XXXX XXXX XXXX  on XX/XX/2019 and Portfolio Recovery tells me they never received the payment and refuse to give me a payoff letter so that I can report the charged off settlement amount to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by Toyota Motor Credit Corporation. This account has reached its statutes of limitations because it is over XXXX years old. The contract date of this account is dated back to XX/XX/2016. I want this account removed off all three credit reporting agencies XXXX, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I purchased some windows from XXXX XXXX I paid them XXXX with my capitalone create card after about three weeks I called XXXX XXXX and told them I wanted to cancel my order they informed me that it was to late because I had signed the contract that said I only had three days to cancel so I called capitalone and filed a dispute at that time capitalone put the XXXX back in my account but they removed it in XXXX XXXX was told the dispute was going to close in the XXXX XXXX favor XXXX XXXX XXXX where having problems with there suppliers and knew that they wasn't going to provide me my windows when I had paid for them and has of XX/XX/2022 not anyone from XXXX XXXX XXXX have tried to contact me every time call know one is there I don't think it's right for capitalone should still charge me for something I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Holloway Credit Solutions
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: Account status incorrect

Complaint:
Holloway Credit solutions hired by XXXX XXXX XXXX hospital is reporting an inaccurate collections account and amount. The hospital had a billing error and when researched by my insurance carrier the issue was resolved as an error on the part of the hospital. I never owed the amount they sent to collections. The representative from XXXX XXXX XXXX XXXX clarified with both Holloway and the hospital that this amount was not my responsibility and the situation was resolved as the hospitals billing error. There should never have been any collections efforts made on this account and it should not be reporting on my credit report as the error was not mine. Ive filed complaints with XXXX  and XXXX  to help resolve the incorrect reporting. However, this has been a hassle for over 6 months now. It has taken significant time and frustration and it is still not correct nor resolved correctly on my credit record. It needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: OH
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:
My identity has been compromised and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}

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 explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained my credit report on XX/XX/2023 and when going through it I noticed a few different inaccuries on it. I then sent out a dispute letter on XX/XX/2023 to certified letter and in response on XX/XX/2023 and verified my accounts. I then sent out a second certified letter asking to delete these items again on XX/XX/2023 and on XX/XX/2023 verified again instead of deleting item as I asked them to.

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 2019-07-30
Company: DriveTime
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a car from Drive Time with payments that were very high and was paying . XXXX XXXX XXXX the back panel of car kept coming off the whole windshield wipers hoses were corroded that It could not be fixed unless I paid for it. The Air Conditioner started going this in less then a year. No one would help me so my only option was to give it back and I got a letter from them that it sold for XXXX dollar's when they wanted over 10,000 from me.
   This I want removed and I am a Senior and felt like I was taking advantage of as no one cared to help me with these problems.
 Thank You
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 2023-07-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many INQUIRIES which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any INQUIRIES which are found to be FRAUDULENT. The dispute INQUIRIES does not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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 2020-01-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I don't even know at this poimt why i have several hundreds of dollars of fees from chase bank that are absurdly high. The initial overdrafted balance is no where close to the constant hundreds of dollars of fees being charged to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-08
Company: La Casa Bonita Investments
State: AZ
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 have been repaying my student loan through 1file.org, since I believe XXXX or XXXX. Every month, I pay {$39.00} based on my income. Every year, I submit my two most recent pay-stubs to ensure my qualification for Public Loan Forgiveness ( I am a XXXX  in a XXXX XXXX School ). I recently was contacted by XXXX XXXX  that I owe {$240.00} because I did not submit this same information on time. I called them ( Public Loan Forgiveness ) and they said there's nothing on file currently for Public Loan Forgiveness. I explained I was working with 1file.org and I have been submitting monthly payments to them. They said there's nothing in my history showing I've made any payments since XXXX ( I believe ). Right away, I knew something wasn't right. I tried contacting 1file.org and they became like a ghost. The website wasn't working and all numbers I called previously, were off line and unavailable. I then went through my XXXX  folder and found an emailing stating there was a lawsuit against 1file.org. Upon investigating further, I found the company who they are with, XXXX XXXX XXXX, also doing business as 1file.org, and the company has been suspended during the lawsuit. I talked with XXXX XXXX ( XX/XX/XXXX ) and they advised me to make a complaint with you and that this 3rd party was sending fraudulent information to them for years. For example, they stated I have a family of XXXX, which I don't. They were sending all my information to an email address connected to them and all my information was corrupt and stollen. She explained that I need to set up something immediately with them and could be in jeopardy of not being able to file Public Loan Forgiveness if audited.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2021-03-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. 

I. LVNV/XXXX/Resurgent Capital knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. 

II. LVNV/XXXX/Resurgent Capital failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

III. LVNV/XXXX/Resurgent Capital communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions LVNV is having on my life and would like a quick resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: MD
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 filed a dispute with Experian on XX/XX/23 on inaccurate information. They have not removed my disputes only updated them and those inquiries were not mine.

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 2020-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Ive been disputing my kohls account that is on my credit reports. The account has never been paid late ... XXXX  has investigated this and corrected it to show as a positive account however upon reviewing my XXXX  credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.

Company response to consumer: Closed with non-monetary relief