BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: ASTA FUNDING INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Palisades Collection LLC and their representing attorney, XXXX XXXX XXXX ( Attorney ID : XXXX ), for what I believe to be violations of federal debt collection laws and unethical practices. 

My name is XXXX XXXX XXXX, and I am a resident of XXXX XXXXXXXX XXXX XXXX For over a decade, my wages have been garnished by Palisades Collection LLC, represented by XXXX XXXX, without any prior notice or validation of the debt they claim I owe. I have not received any communication from a process server from the United States Postal Service, which I understand to be the legal method for serving a subpoena or sending a collection notice. This lack of proper notice has denied me the opportunity to verify or dispute the debt as provided by law. 

According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, a debt collector is required to send a written notice containing the amount of the debt, the name of the creditor, and a statement that the consumer has a right to dispute the debt within 30 days of receipt of the notice. If the consumer disputes the debt, the debt collector must cease collection efforts until they have provided verification of the debt. In my case, no such notice was provided, and my wages continue to be garnished. 

Furthermore, I believe that my personal information, including my address, was obtained illegally. This is a serious concern as it suggests a violation of my privacy rights. 

I also want to bring to your attention that I am a XXXX woman living in a XXXX neighborhood in XXXX XXXX XXXX XXXX I have observed that Palisades Collection LLC has many collections against individuals in similar neighborhoods, which raises concerns about discriminatory practices. 

I kindly request that the CFPB investigate these matters. I believe that the actions of Palisades Collection LLC and XXXX XXXX may be in violation of federal law, and I am seeking your assistance in addressing these concerns. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-06-09
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:
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 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Tuesday, XX/XX/XXXX, I called Selene Finance to once again request mortgage statements be sent to my home. In addition I questioned why our last mortgage statement dated XX/XX/2019 showed a balance due in the amount of {$5600.00}. We were told by XXXX that we did not pay XXXX, XXXX and XXXX. I explained that we in fact are current and requested a payment investigation. XXXX informed me that it would take 7 days to complete the investigation. I called back on Friday, XX/XX/XXXX and once again spoke with someone named XXXX. He informed me that the investigation was not yet completed. I stated to him that the problem with this is that if they haven't posted all of my payments that there is no way possible my mortgage interest statement is correct. He then cut me off stating that his department didn't have anything to do with that. I told him, when I call Customer Service they always defer me to his department. Further proof to indicate that it's incorrect is that my statment dated XX/XX/2019 shows an outstanding principal balance of {$240000.00}. The 1098 shows an outstanding principal balance of {$240000.00}. 

I would love to file my taxes but moreover I would love to have accurate records and competent servicer servicing my account. 


Please help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: AZ
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 submitted multiple disputes, letters, and complaints. I have requested that inquiries, names and addresses be investigated. I am aware of my responsibilities to reach out to companies, which I have multiple times, but as a reporting agency it is your responsibility to report accurate information. My identity has been, and might still be at risk. Please complete an investigation into these concerning errors, and by not doing so you are in violation of my rights, according to FTC. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

" The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. ''

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 2021-03-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good morning, I had an bank account inXX/XX/XXXX with Navy Federal credit union. I took a out a personal loan because of the damage that Hurricane Michael did to my home. I became delinquent with my loan. After so many threats from navy federal credit union I decided to close my account because I could not afford the loan payment at the time. I set up an arrangement with the credit/loan department. Fast forward toXX/XX/XXXX, I checked my credit score and I have a loan debt on my credit for $ 18k? and I only borrowed {$3500.00}. I was in total disbelief that they improperly reported that amount in debt to the credit bureaus '. They have sold my information to a debt collector and I am currently waiting on a call back from Navy federal Credit Union to be informed about who the debt collector currently is. I currently hired a credit expert to look further into this matter. I just read the article about the mean, rude and deceiving practices Navy debt collectors were doing to bank members about delinquency in loan payments. It very much seems that they are taking a new approach by improper reporting debt amounts to credit bureaus. It's very unfair to members. Especially service members which I'm sure is being affected by this as well. 

Thank you for reading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Upgrade, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I received an email from XXXX, from the loan company, XXXX. The email said : Hello, Thank you for your recent application for a loan through Upgrade. Unfortunately, your request could not be approved at this time. However, you may reapply in 30 days if you feel that your circumstances have changed. 
Click here for more information on why your application was not approved. 
Thank you, Upgrade Customer Support I did NOT apply for a loan. I clicked on the " Click Here '' link that took me to a page with a list of documents, all dated XX/XX/XXXX. In my name were the following documents : -Terms of Use Agreement -ESIGN Act Consent Agreement -Credit Profile Authorization Agreement -Upgrade Privacy Notice Agreement -Adverse Action Notice Upon seeing this, I became even more worried and called the company. The representative I spoke to said she saw " nothing in her system '' in my name and just not to worry about it. I asked, " How can you not see anything? I am on your website and see all of these documents in my name. '' They proceeded to search a different way ( my social security number, address, etc. ) and still " found nothing. '' They said for me to call the credit bureau about it, even though they said my credit was not looked at. ( How can a loan decision be made without looking at my credit? ) I requested to speak to their supervisor. The supervisor, XXXX, came to the phone and after our conversation of me explaining the situation, told me that she would escalate this and put it into an investigation. 

On XX/XX/XXXX, they responded in email to my concern, writing : " We have reviewed the details of your claim. According to our records, an application was submitted in your name. We have corrected our internal records and canceled the application in our system. No further action is required. '' So, they confirmed there WAS an application submitted in my name but told me nothing about how this has happened and how/if my social security number and personal information was compromised. Clearly if there is a loan application in my name, and I did not initiate it, there is fraud happening. I wrote back and stated their reply was not okay and asked, HOW was an application submitted in my name. 

On XX/XX/XXXX ( their email is dated XX/XX/XXXX ) they wrote again, responding, " We understand your concern regarding this matter. Unfortunately, we do not provide information on how we determine our findings to consumers. '' This is completely unacceptable to me. I need to know if my information has been compromised or not, if they have been negligent, and how they will resolve this and ensure of my consumer protection. Of further concern, I received an email last month stating the same thing about a loan being denied, but got sidetracked and did not follow up on the matter until I received a second loan denial this month. 

I have attached the emails and documents that are fraudently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX  XXXX, GA XXXX and the other address that should be removed is XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. XXXX in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2019-08-20
Company: Experian Information Solutions Inc.
State: MN
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 XX/XX/XXXX I request to XX/XX/XXXX review an inaccuracies in my credit report, I gave 30 days , they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE 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 2023-02-22
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:
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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: Account status incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2019-06-03
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Just got a collection notice/bill in the mail for a toll on the XXXX XXXX XXXX, where there is no posted or visible posted signs of toll or pay booth, not to mention I have a XXXX sticker which usually charges tolls directly to my credit card. Says bill is for a supposed violation on 2017 and just now im been made aware. Bill is for XXXX which includes toll plus added fees for non payment. How can I pay something I dont know I owe. I contacted the attorney/collection company disputing the charges with very little help. I contacted the XXXX XXXX XXXX co who referred me back to the collection co. XXXX reviews of this tunnel system is full of similar complaints. Most certainly something ought to be done about ir at the very least investigated about this company shady business practices. Im mailing a written dispute as advised by collection co w/ very little hope given by the rep on said agency. Definitely contacting the local news as well, this scam ought be known by out of towners, must definitely a scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question is for an account that was paid. I have proof that the debt was paid, receipts, confirmation and records from my bank account. 

The payment was made in XXXX of 2018 for XXXX XXXX. I don't know how or why this collection agency is trying to collect. The amount was paid for {$220.00}. 

The insurance policy is XXXX. I am not sure how they got a hold of my information, but this is being reported to my credit files and I need it DELETED ASAP as it affecting my approval rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am unable to find any documentation of any contractual relationship which makes them a person entitled to enforce a commercial claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I wrote into THD ( Citibank NA ) on XX/XX/17 with the following request verbatim in their secure messaging system : Please limit my privacy options : Remove all sharing. Do not share or market my information with any third parties at all. This includes affiliates and non affiliates of Citi or THD.

Change my email settings to Service Contact Only. I do not want email offers.

Change all phone settings to Do Not Call.

Change my privacy to not receive any telemarketing offers by phone or mail.

Take me off any calling or mailing list please.

Thank you!

The response on XX/XX/17 was verbatim : As you requested, we have updated your privacy options. Your name may be included in marketing programs currently in progress, so please allow 30 days for all solicitations to cease.

Please let us know if we can be of further assistance.

This request has not been fulfilled. I am still receiving promotional emails every few days. I have saved all items sent after 30 days in my inbox. Currently I have 5 items received on or after XX/XX/17. The actual dates are XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, and XX/XX/17. I will continue to monitor as additional emails get received. This is a clear violation of my request and my privacy. I never received any promotional offers from THD prior to the issuance of this credit card

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