BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: SoLo Funds Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
SOLO FUNDS SENT MY ACCT ( PERSONAL LOAN ) FROM XX/XX/XXXX TO A 3RD PARTY DEBT XXXX XXXXXXXX XXXX XXXX. I FILED XXXX  XXXX BANKRUPTCY ON XXXX Case XXXX. On XX/XX/XXXX i received an email from XXXX XXXX XXXX stating they were COLLECTING XXXX FOR SOLO FUNDS AND I RESPONDED WITH AN EMAIL ADVISING OF BANKRUPTCY. THIS WAS THE LAST I HEARD FROM THEM. i HAVE NEVER HEARD FROM SOLO FUNDS DIRECTLY. MY BANKRUPTCY WAS XXXX ON XXXX oN XX/XX/XXXX SOLO FUNDS DEDUCTED XXXX FROM MY BANK. WIPING ME OUT AND MY CONTACT WITH THEM RESULTED IN AN ADVISORY THAT THEY WOULD BE IN TOUCH. THIS IS A VIOLATION OF MY DISCHARGE. THE FUNDS WERE NOT AUTH FOR REPAYMENT AND THEY WERE ADVISED OF THE BANKRUPTCY WHICH THEY IGNORED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CAVALRY INVESTMENTS, LLC
State: ID
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:
Cavalry Portfolio Services has NEVER sent me a bill for this collection they are reporting on my credit report for {$10000.00} I have sent XXXX requests ( with signed proofs of delivery ) for debt verification and they have failed to provide it. I sent first request XX/XX/21, second request XX/XX/21 & third request XX/XX/21. All they have sent me is a letter stating " it is our position that the information we are reporting to the consumer reporting agencies regarding the account is accurate '' but will not provide me with ANY DOCUMENTATION PROVING THIS!! I do not recognize this debt, do not believe it's mine and want it removed immediately from my credit report as they have failed to produce verification of debt requested. It's now been almost 2 months since my first request. They are supposed to remove if they can not provide the verification I've requested within 30 days! Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been disputing since last XXXX with them and they have failed to follow the FCRA requirements. I don't understand why it is so hard to report accurate information and when they send a reply back they " update '' one thing to make it look like a human is actually reading these letters and they cant be because if they were they would have seen how inaccurate and incomplete this account is. I have attached proof of the review of their investigation as you can see there are still inaccurate things being reported and after 8 months of disputing and them failing to do their job per the FCRA its time for this to be DELETED.

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 2023-10-04
Company: MOHELA
State: WI
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:
Mohela sent me on XXXX an Auto Debit payment Confirmation. which I believe is a Statement. The statement has a date of XXXX  But this was not sent to me until XXXX 
I was on REPAYE and was moved to SAVE. During this my tax filing status and number of dependents was changed from Married Filing Jointly with Three Dependents to Filing Single. This changed my payment from {$0.00} to {$370.00} a month. On XXXX I sent a message via Mohela website explaining their error and recieved a confirmation I would hear back in 3 days On Monday morning 9/25 I called and after 4 hours and three escalations I spoke with someone who understood their error. The CSR filed their error and said I would receive a response in 2 or 3 days. On XXXX  Mohela withdrew the incorrect {$370.00} from my account. I messaged requesting the correct calculation and a return of my {$370.00}. I have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: EQUIFAX, 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:
I was made aware of four accounts today XX/XX/19 on my credit report that do not belong to me. These accounts were opened by someone named XXXX XXXX without my permission. I was not part of anything involving these accounts nor did I benefit anything from them being open without my permission such as money, goods, services, or any other benefit. I also never made any payments towards these accounts nor purchases. Im not sure why or how that person got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting my credit reputation cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 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  {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 explanation
Consumer complaint received 2023-08-19
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been to XXXX XXXX XXXX Alabama.. I live in XXXX tx... XX/XX/2021 is not me. Someone is using my social.. I never been period.. I don't owe anything. Hastened Financial keep trying to collect money and I never been

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent information to the credit bureaus about possible fraud on my credit reports and nothing was done to fix the errors on my reports. These items are outlined in the Fair Credit Reporting Act.

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 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
Kohl 's Department Store The account was closed and/or paid in full on and/or before XX/XX/2020 The reflection on the account shows a {$95.00} balance, again the account was closed on and/or before XX/XX/2020 and/or no charges were made on and/or after that date. 
In speaking with several of Kohl 's customer service agents, each assured the account was being updated and a XXXX balance was going to be shown. 
The Federal Regulations are clear on any institution such as Retail when the account is closed and/or at a point of XXXX, it is illegal to continue to charge the consumer any fees and/or interest. The {$95.00} is the reflection of that illegal process. 
There are other consumers who are and/or have experience the same illegalities by Kohl 's Department store XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Cascade CISS Holdings, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Credit plus did a hard pull on my credit report. Continues to do a hard pull without my knowledge or permission.on a monthly basis. 
XX/XX/XXXX XXXX XXXX did a hard pull without my knowledge or permission. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Xactus did a hard pull without my knowledge or permission. on a monthly basis. 
XX/XX/XXXX XXXX XXXX XXXX did a hard pull without my knowledge or permission. 

I have given two companies permission to pull my credit. XXXX XXXX and XXXX XXXX XXXX XXXX as I was in process of buying a house when my score dropped XXXX points due to this and I was no longer able to carry out the purchase of a home. 

In addition to this my ex husband has been allowing his wife to use my name on medical bills and to sign my name again with out my permission or knowledge. I am getting medcial bills of his and they are counting against my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit report shows two XXXX XXXX accounts with late payments for the last 36 months, whereas I made all payments on time and agreed with XXXX XXXX. 

The credit report also shows a XXXX XXXX account with late payments for the last 36 months, whereas I made all payments on time and as agreed with 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 non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 non-monetary relief
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

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 2023-08-20
Company: Opportunity Financial, LLC
State: NC
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:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with Opploans multiple times to get the closed account removed due to Opploans violating XXXX XXXX COMPLIANCE I have paid the balance and asked for deletion but OppLoans refuses to delete the closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, 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 information incorrect

Complaint:
I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX  XXXX, XXXX XXXX., XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt to the collection company and they keep hitting my XXXX cerdit with new accounts and say that that new account is not payed

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 2021-03-06
Company: Bread Financial Holdings, 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:
Letters were sent to Comenity Bank on XX/XX/2021 due to reporting accounts were included in bankruptcy and now show derogatory. The accounts were in good standing and closed years before bankruptcy was filed and discharged. Upon disputing with the credit agencys, Comenity is still reporting erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: AMERICAN HONDA FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've called 4 times to have a fraud alert removed as well as the consumer statement. The fraud alert has been removed. However, the consumer statement is still there. I keep being told that it's been removed. But it has not. It's only been modified. Statement currently says " Do Not Combine ''.

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 2023-10-05
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been a XXXX XXXX for almost 12 years. I am writing today because I have been waiting for two years for my PSLF discharge on my student loans to process from the U.S. Department of Education. The loan servicer indicates that I met the qualified number of payments in XX/XX/XXXX. I am now more than 28 months past that date. 

I have called repeatedly for guidance or answers ( both the previous servicer and now our current servicer ), and no one seems to be able to assist me. 

Prior to XX/XX/XXXX, I was assured on every phone call that nothing more was needed, and that the loan forgiveness was in process. We were told to just wait. The servicer indicated that they have done everything they can do, and we are now waiting on a response from the U.S. Department of Education. Then, on XX/XX/XXXX, I was told that no application was on file for me, and I needed to submit a new application. I did this immediately on that day and submitted it through the portal. 

It has now been five months the servicer still does not have any answers for me. They put in a PSLF forbearance in the system, but now the loans are accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, the company I worked with for 6 years closed its doors. I was unable to obtain comparable pay for about 20 months. In XX/XX/XXXX, I obtained permanent stable employment and was told by the mortgage company that I could not file for a loan modification until XX/XX/XXXX. In XX/XX/XXXX, the foreclosure petition was filed by the mortgage company. 

During the foreclosure process, I was told by the mortgage company that all forms of communication had to go through the attorney. So I submitted the loan modification paperwork on XX/XX/XXXX via the foreclosure attorney. Summary judgment was filed on XX/XX/XXXX. I finally received an email from the foreclosure attorney on XX/XX/XXXX indicating that the " the documents I submitted are still under review ''. See " email regarding loan mod '' attached. This action is in violation of the CFPBs Prohibition against dual tracking because the foreclosure attorney proceeding with foreclosure while under review for a loan modification. 

Also, the mortgage company has not been able to produce a true, valid and original note and mortgage. The note and mortgage attached to the Foreclosure Petition ( see attached ) is different from the mortgage and note submitted with the Summary Judgment ( see  attached ). Since the mortgage and note are fraudulent and the mortgage company is unable to foreclose if they are not the holder of a true, valid and original note and mortgage.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried on several times starting on ( XX/XX/XXXX ) to obtain my credit report from Experian due to inaccurate information in my report and, to this date ( XX/XX/XXXX ) I still have not been able to speak with anyone with Experian about getting a copy.

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 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have submitted disputes for the inquires on my reports and no one has updated me yet ..

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