BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-23
Company: MOHELA
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2018 Mohela XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account number XXXX XXXX XXXX Dear Mohela, I am responding to your contact about a debt you are attempting to collect and to request you provide validation the debt is legitimate. You contacted me several times by phone, and dinged my credit 27 times even after I already told you its already paid ; to stop calling me, and only communicate by mail.

Please stop all communication with me and with this address about this debt.

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

If you have notified the credit reporting agencies of this debt you must notify them promptly that I have disputed the validity of this debt.

I have previously notified you in writing within the 30-day period and requested you cease collection of the debt, or any disputed portion thereof, until you can verify the debt and provide me, by first class mail. However, you failed to identify chain of title simply sent a copy of a statement. I need the following materials in accordance with but not limited to : UCC 9-406 ( 810 ilcs 9-406 ), 735 ILCS 5/2-403,735 ILCS 5/2-606.

All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and Copies of any assignments that explain how you acquired title to this debt.

Information regarding any discharges/set offs.

Information regarding : what numbers you used to call me at XXXX, frequency, and the call logs. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Global Recovery Solutions
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX XXXX continue to call my cell phone while I was at work. I answer the phone and ask for them to not call during my work hours. The agent rudely stated she will call as many times as she likes, I hung up the phone because I was at work and she called back 7 more times repeatly. That was very stressful because I had to turn off my phone so she would stop calling.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
on several accounts, there is a mortgage listed as included in Bankruptcy, yet I did not have a mortgage included in my bankruptcy filing. I can provide a copy of the discharge and all bankruptcy paperwork to show the actual filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE BEEN DISPUTING THE ATTACHED ACCOUNTS FOR ALMOST A YEAR NOW, I AM VERY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY FILE. THE ACCOUNTS ARE PAID OFF AND I WOULD LIKE THEM TO BE PERMANENTLY DELETED OF FMY CREDIT FILE. THOSE ACCOUNTS HAVE BEEN OFF MY REPORT PREVIOUSLY AND REAPPEARED WITHOUT MY KNOWLEDGE. PLEASE REMOVE THOSE DISPUTED ACCOUNTS OFF.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These Inquiries was not submitted by me. please provide valid information that the inquires listed below with the date were submitted by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Earnest Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I signed a student loan refinance with Earnest for approximately {$90000.00} to refinance a loan held by XXXX, XXXX. While they claim to have sent the payment to my prior servicer and began charging interest on the loan, my servicer has claimed they haven't received the funds. Earnest has said they can't do anything until after 40 days BUT continue to charge me interest on the loan thus I am accruing interest for the same amount with both servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Bread Financial Holdings, Inc.
State: KY
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:
XXXX unauthorized credit inquires on the report. 
My information was compromised from XXXX  data hack my information was compromised and used my identity. 

Company was notified by mail but refuses to remove them from XXXX credit report. 
XXXX  refuses to remove them also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: Select Management Resources, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan for {$1300.00} from them in XXXX. As of today, there is {$1500.00} left and they have the nerve to tell me I already paid {$1500.00} of just interest. Are you serious!!??? This is highway robbery and they are seriously taking advantage of people. I told them today was my last payment to them because there is no way someone and morally justify to me that it is right for me to pay {$1500.00} worth of interest on a {$1300.00} loan. Thats more that was the loan is!!!!

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 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back in XXXX, someone deposited a check into my Bank of America account in the for a large amount which i did'nt have any knowledge of and without letting me know, they shut my account down a reported me to XXXX XXXX. Now i can't even open a bank account for something that wasn't even my fault.

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 2020-08-29
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
Macy 's assessed late fees to my account in error which subsequently resulted in a massive charge of late fees and inaccurate reporting of late payments.

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 2022-08-09
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:
I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
As of XX/XX/XXXX this year i will be graduating XXXX XXXX so I decided to pull my credit. I have credit inquiries form XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.

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 2018-05-16
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acoount # 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

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 2022-08-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XX/XX/XXXXXXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor

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 2018-07-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
We had a deed in lieu of payment on a house in XX/XX/2015, the bank signed off on it. 

I called the bank and found out who I need to talk to, I have called several times and have never been able to speak to XXXX XXXX at XXXX and she has not returned my calls. 

The bank should show that the loan was satisfied, but it show 100 % paid off AND XXXX balance AND currently late payments ... so totally wrong, this needs to be removed from my credit report. 

SANTANDER BANK N.A. 
XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Thanks for your help

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 2018-05-16
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Someone keeps trying to apply for a chase card in my name and its showing up as a hard inquiry on my report. I called chase and talked to a manager who informed me that it would be removed. The dates for the hard inquires are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the XXXX  data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.

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 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
The following accounts are not mine and i need them to be removed from my XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX  XXXX XXXX XXXX This is not mine 2. Identity Theft XXXX XXXX XXXX  XXXX XXXX XXXX This is not mine XXXX. Identity Theft BK OF AMER XXXX This is not mine 4. Identity Theft XXXX XXXX This is 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 2018-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PRA failed to send any validation to my correct address as noted in their previous response. They ONLY sent validation to a third party without knowing this data would reach me. They did not give me the option to dispute this nor did they inform me of my violation to do so. This is a violation of the FDCPA in regards to communications from debt collectors. 

" In fact there are cases that have coalesced around the proposition that " while the plain language of the statute does not require the debt collector to ensure actual receipt of the validation notice, the plain language does require the debt collector to send the validation notice to a valid and proper address where the consumer may actually receive it. '' XXXX v. XXXX XXXX XXXX XXXX, XXXX. XXXX CV XXXX, XXXX XXXX XXXX, XXXX ( XXXX Ohio XXXX XXXX, XXXX ) ; see also XXXX XXXX Credit Bureau XXXX XXXX County , XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 

The reasoning in support of this interpretation is persuasive. See XXXX, XXXX WL XXXX at XXXX. While XXXX and related cases have focused on the " written notice '' phrase rather than the " communication '' phrase of 1692g ( a ), it  makes sense to interpret the two provisions in parallel. 

The clear purpose of this section of the FDCPA is to require any debt collector who contacts a consumer to give that consumer a specific notice and an opportunity to dispute the debt. This purpose is best served by construing " notice '' and " communication '' as applying in the same circumstances. 

Given the evidence available, this Court concludes that Plaintiff has shown beyond dispute that the XX/XX/XXXX letter is not Defendant 's initial communication with Plaintiff. As was noted above, Defendant sent this letter to an address where Plaintiff has never lived. In fact, there is no evidence that Plaintiff has any connection with the XXXX XXXX address at all. '' This is the exact tactic pulled by PRA with me. They knew they were sending off information to a third party knowing this was not my address as they were already provided this from the alleged original creditor right? This is a violation of my right as a consumer to dispute this account and receive proper notice of debt. If I was given this information at the time I would have disputed the validity back then. In fact, I have had to fight PRA for ANY proof for a debt they claim to be valid. This was all done through a third party that did not forward this information. 

This is on PRA as the debt collector to make sure that I was properly notified of this debt and given the chance to dispute. Instead I have had to deal with their continued harassment and defiance that they have continued to lie about. I have taken a significant time out of my life to deal with this predatory company and intend to sue for their numerous violations and illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Reliant Capital Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from this agency on XX/XX/XXXX as I was the co-signer on my daughters student loan. My daughter had told my prior that the IRS sent her e letter stating that they held $ 5500+ to cover her outstanding student loan. I called Reliant and they said that it takes some time for the money to catch up but that she saw where the money was garnished. She told that it would be taken care of and I wouldnt hear from them any more. On XX/XX/XXXX my wifes phone received a call from Reliant asking for me. The collector then tried to dunn me for the balance. I explained the same as I did the prior week and she told me that until they receive the money that collections would continue. I asked why not place on hold until the IRS remits to them. She again said that collections would continue. She said the first collector wouldnt know that the money is garnished. One way or the other one of these collectors is lying.

Company response to consumer: Closed with non-monetary relief