BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have signed up for a loan forgiveness program. However I am starting to believe this may be a scam. The company in which I have signed up with is called XXXX XXXX XXXX. When I try to contact the individual in which I spoke to originally, there is no way to contact him. There is an official website XXXX XXXX   XXXX This company is charging a fee of $ XXXXmonthly for 24 consecutive months. I was informed that a company should never charge a fee to enroll into a loan forgiveness program. Payments are taken directly out of my account to a company called XXXX XXXX XXXX. Account # XXXX. 

Contact information that I was given initially is XXXX XXXX | Enrollment Advisor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Direct Line XXXX | Fax XXXX Visit us at XXXX The contact number for this company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2019 Equifax deleted several negative items on my credit report. On XX/XX/XXXX 2 months later they reinserted these same negative items back on to my report. 

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Equifax is supposed to notify me within 5 days of reinsertion and they have failed to do so. 

I have attached the law stating they are required to do this. I have not received anything stating that they were going to reinsert this on to my credit report. I demand Equifax remove these items or legal action will be taken against them for reinserting negative items on my report without the 5-day notice. I have attached copies of the reports showing the removal date and the date they were reinserted. I have also attached a copy of what the fair credit reporting act states about reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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:
RE : Account # XXXX To Corporate Capital and Experian This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: TD BANK US HOLDING COMPANY
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:
I began disputing the TD Bank, NA account that is reflected on my credit report, in XX/XX/XXXX with XXXX Credit Bureau. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX advising them that this account did not belong to me. As the report ( see attached ) from XXXX themself reflects that this account has me listed as an authorized user. Hence, as an authorized user, I am not legally responsible for this account nor do I have to continue to allow it to report on my credit reports. I have requested numerous times that XXXX delete this entry from my credit report ; however, to no avail. They are blatantly violating my consumer rights. 

On XX/XX/XXXX, I contacted XXXX by telephone ( XXXX ) to once again attempt to have them remove this account from my credit report. I spoke with Agent XXXX who stated that I must contact TD Bank for them to submit an electronic submission advising them to delete the account. Upon receiving this information, I contacted TD Bank at XXXX ( listed on my credit report ) to discuss this matter them so that they would indeed delete this entry from my XXXX report. To my dismay, I was placed on hold in excess of 3 hours and transferred from one department to the next ; however, no one was able to address my concern nor direct me to the department or contact that would handle this. On today, XX/XX/XXXX, I again contacted TD Bank at the number listed on my credit report only to be on hold again for over an hour and no one to rectify this issue. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: Experian Information Solutions 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 recently have been trying to get my credit right I thought I didn't have credit at XXXX  except a hospital bill but turns out on my report that they sent in a letter from my request there was something that I know I didn't have anything to do with small business loan that wasn't me I don't even have a business haven't even thought about starting one can you please look into this I don't even know how long it is been there on my credit report because I just started checking that kind of stuff even though I'm XXXX it seems kind of late but now I realize that I need credit to get pretty much anything including apartments which I desperately need right now working a job for four or five years now I can't give the amount of debt because little paper that the credit brewery sent me didn't say so I don't even know how much stay buried my name exact today 's date is XX/XX/2021 I just found out this mouth because I was looking for an apartment for the first time in my name and I'm being denied because of they said my credit and when I requested to report I saw that there was something there I didn't do and there is a laborpool name automation sent me a letter telling me someone has breached there system and I need to freeze my credit that was about 5 months back I think from now XX/XX/XXXX can't remember exact but I should have the letter I assume it may be a family member and if it is I am pressing charges whomever it was because they obviously didn't care about my personal life whoever did this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: IL
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:
Due to pandemic I was off work from XX/XX/XXXX to XXXX and car loan company offered customers to deferred payments so that was supposed to go on the end of my loan!! They gave me 2 months deferred and I paid one month to keep from getting behind due to COVID19!! The company has reported that I was late during COVID19 and they are not supposed to be doing that to customers!! All my payments show up on time until COVID19 hit my life and I have disputed the information but the company refuses to correct the late payments on my credit report!! I just dont think this is fair to me and other customers

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 non-monetary relief
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
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:
After asking to EXPERIAN to investigate a violation with a Past Due balance in a collection account, EXPERIAN came back to me in XX/XX/2019 marking as " VERIFIED '' the Violation from XXXX XXXX XXXX reporting a past due balance in a Collection account.. 
Why do I have to notify you that its a Violation of the FDCPA to report a collection with a past due? .. 

XXXX XXXX XXXX is reporting a past due in a collection account wich is a violation of the FDCPA and must be deletes from my report.. 

I did the proper request to EXPERIAN and XXXX XXXX XXXX confirm the violation, also I will include picture of the EXPERIAN report where you can see the before and after in a circle ... 
I dont want to see excuses from EXPERIAN or XXXX XXXX XXXX knowing theres a clear violation ...

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 2022-08-10
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy.

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The have violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2017-12-06
Company: Accelerated Financial Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX called me at XXXX XXXX on XX/XX/2017 from a deceptive phone number XXXX. They are not a local company to my area. As soon as I answered the phone a man started asking me why I had n't paid my payment arrangement. I asked who he was with and said that I have never made any payment arrangements with anyone for anything. I asked him what he was talking about and he said I had made payment arrangements and did n't pay them. He said I was on recording making those arrangements and I repeatedly told him that I have never made arrangements with anyone for anything because I did n't know what he was talking about. I asked him to send me a copy of the recording if what he was saying was true. He told me " No, I do n't have to ''. I then told him that under Federal law, he had to send me proof of anything he was claiming. He then told me that I did n't know what I was talking about and to shut my mouth. He said that I needed to pay my bills and to shut up and get off his phone. He then hung up on me. He was very verbally abusive to me and called while I was at work and would not agree to validate anything he was claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Subject signed no contract. Subject is XXXX and is a a Federally - Protected Entity covered under ADA. I do not know or owe the company implied. The company DBA Merchants & Professional Collection Bureau , Inc. " Re - aged '' to XX/XX/XXXX supposed date which is an illegal action under FCRA. Company origin of location in XXXX, MI XXXX. Company committed Fraud, Identity Theft on all private accounts. Company Merchants & Professional Collection Bureau , Inc. will be brought before Federal court for Non-Compliance Violations Section 616 Civil Liability for will noncompliance. Section 617 Civil Liability for negligent noncompliance under [ 15 U.S.C. subsection 16810 ] Subsection 619 Obtaining information under False pretenses [ 15 U.S.C. subsection 1681q ] intent to violate title U.S.C subsections 1681h and 1681i ( a ) as well as 609 of the ( FCRA ) .MPCB Inc. violated 610 ( a ) ( 1 ) and is implementing " Undue Economic Hardship '', Intimidation & Fear Tactics by hitting credit reports 20 pts. violating a person 's " Right to Privacy. '' as guaranteed under the FAIR CREDIT REPORTING ACT. " An FDCPA claim has nothing to do with whether the underlying debt is or is not valid, An FDCPA claim concerns the METHOD of collecting the debt. It does not arise out of the transaction creating the debt. " *Spears/Brennan appeal from the XXXX Superior Court [. ] Azar, 874 f. Supp. At 1318. * footnote : See 15 U.S.C. subsection 1692k ( governing civil liability under the Act. Also cited Transunion LLC v. Ramirez. If Merchants & Professional Collection Bureau Inc. violated Laws applicable to this magnitude, then Merchants & Professional Collection Bureau also violated FDCPA Section 807 ( 8 ) Subsection 807. False or misleading representations [ 15USC 1692e ] Communicating or threatening to communicate to any person credit information which is known or which is to be false, including the failure to communicate that a disputed debt is disputed. Metro 2 Compliance, Defamation & Willful injury US Court of Appeals Ninth Circuit, No oo-15946, Nelson vs. Chase Manhattan. FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION, US Court of APPEALS for the Third Circuit Court Case 115 F. 3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). Also submitted Richardson v. Fleet Bank of Massachusetts, Bryant v. TRW because the submission is not in " Good Faith '' pursuant to Subsection Subsection 607 ( b ). Submission if not resolved for injury and undue Economic Hardship, XXXX  & XXXX  XXXX, will be the following submission in Federal Court for damages of an undisclosed amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Account status incorrect

Complaint:
I was never late paying my accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I disputed the accounts with Equifax but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Mr. Cooper Group Inc.
State: NV
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 requested a payoff amount from Mr. Cooper to pay off my second mortgage. Prior to requesting the payoff request I paid my XX/XX/2018 payment. My payoff was to be paid by XX/XX/XXXX XX/XX/2018. On  XX/XX/218 via wire transfer I made a payment with XXXX XXXX. According to XXXX XXXX case # XXXX the payment was paid on XX/XX/2018. The payment was made to the specific account number indicated on Mr. Coopers payoff quote. Mr. Cooper is claiming that they did not receive the money. XXXX XXXX home mortgage ( the lien holder on my first mortgage ) somehow intercepted the money and credited my first loan. This is currently under investigation. I then made another wire transfer to the same account number with XXXX XXXX XXXX XXXX. The payment was received and credited on XX/XX/2018. Within the time frame that was indicated on my payoff documentation. I contacted Mr. Cooper several times regarding this issue. I informed Mr. Cooper of the initial problem on XX/XX/2018 regarding the transfer. I spoke with XXXX. My loan was paid off in XX/XX/2018. According to my documentation and my payment history I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: VA
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:
There are 6-8 accounts that Experian keeps putting back on my profile that have been deleted several times as identity theft. I even submitted the police report, etc. and they keep re-adding it to my report. It is very frustrating.

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 2018-07-31
Company: JH Portfolio Debt Equities, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On several occasions, specifically on Saturday mornings, this company is calling me at XXXX. They will also call repeatedly after making contact with me. For example ; I will answer their call and speak with them and comply as much as possible. They will continue to call me throughout the day and advise that because I have not secured a payment arrangement they will keep calling all day. I have spoken to different managers and they will not stop calling before XXXX and tell me that my area code is on the east coast so it is XXXX when they call, but my address is and always has been in Arizona and has never changed. I am not on the east coast and I feel this is an intimidation harassment tactic. Please see proof of the phone call. This company calls from several different numbers so it is impossible to block their number and they will never leave a voicemail. Also do not accept the excuse that the phone number is not associated with their business, because I did call the number back and was connected right away and they already knew my name and account information based on the number I called them from. The number is the photos I attached absolutely belong to them!

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