BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date - XX/XX/2020 Amount - {$650.00} Midland Credit Management Has Not Provided Me With Documentation To Proof That The Collection On My Credit Report Was Verifiable. No Signature On File No Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : JPMCB CARD XXXX Date opened XX/XX/XXXX Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I graduated from XXXX school on XXXX XXXX, 2017. In XX/XX/XXXX, I received a letter stating that my in-school deferment was ending sometime in XXXX and that the company would send me an additional letter with payment schedule ( which I never received by the way ). On XXXX XXXX, 2017, I tried calling Navient to place my account on a three-month forbearance. As I am studying for the XXXX XXXX XXXX which is being administered on XX/XX/XXXX and XX/XX/XXXX, I am unable to work full-time and earn income to repay my student loan until XX/XX/XXXX. All I asked is that my payments be postponed until XX/XX/XXXX. I spoke to two separate representatives from Navient advised me that it would cost me a " one-time '' fee {$50.00} to place my loan on forbearance. This fee would n't be applied to the principal of my loan, it appears that it would just be pocketed by the company. Mind you, my student loan payment is {$70.00} per month. If I do n't have an extra {$70.00} to make my XX/XX/XXXX payment, I do n't have an extra {$50.00} to pay a forbearance fee. The company refused to waive the fee and threatened to go after my co-signer if I do n't make my payments. Additionally, the customer service representative proceeded to ask for my checking account information, which I refused to give in fear that the company would make an unauthorized charge on my account. Essentially, the company is setting students up for failure who are trying to be proactive about obtaining a forbearance in advance of accumulating missed payments. This is an unfair business practice, as it appears that instead of working with borrowers who are struggling to repay their loans, Navient is capitalizing off of their financial hardship instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX to lease a car. They use ALLY bank for the leases. Ally says the can not lease du to information on my credit report that Ally got from a company called XXXX. I contact XXXX to get a copy but no one ever answers their phone ( XXXX ) or returns a phone call if you leave a message. I contacted Ally and since they have no employees who can speak English they kept transferring me around. 4 transfers and no one who can answer a question about credit reporting.

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 2022-09-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$200.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$300.00} XXXX  XXXX Balance : {$230.00} XXXX  XXXX Balance : {$420.00} XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). Experian assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated. 

Experian did not exercise its grave responsibility, you were unfair, you were partial. 

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed Experian to furnish this report and I never consented to the report.

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 2017-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we went to seek help to save our home thru a modification with an organization called XXXX. My husband and I were told this was a NON-PROFIT organization but as we discovered, it was far from Non-profit. We were asked to pay {$1000.00} to {$1500.00} a month and did so for the next 2 years. We never received our modification and our home is scheduled for foreclosure on XX/XX/XXXX. This is a Wells Fargo Loan and we told them we were victims of FRAUD, they stated they did not get involved with 3rd parties. We are currently in for a modification but struggling to see a good result as now the bank has scheduled a foreclosure and says we are still under review for a modification. I was under the understanding that a foreclosure could not be initiated if you were in for a modification, but that appears to not be the case.Please note : within my attached documents ( document scan # 3 ) is an authorization to please contact XXXX  XXXX with any correspondence and she can be reached at XXXX or via email : 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 2022-09-07
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started disputing the Portfolio Recovery account listed on my credit report in the amount of {$2300.00} since XX/XX/2021. I have sent numerous correspondence asking for the ORIGINAL signed document which states I owe them and that I agreed to pay them. Each time Portfolio responded by sending a computer generated unsigned letter that states they own the account and a bill statement. I also sent them a letter stating that they violated GLBA Sec 6802 ( a ) ( b ) ( c ) ( d ) and Sec 6803 they responded back by sending another bill statement. I have attached a copy of the last letter I mailed to Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: National Credit Adjusters, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When asked 2 identify themself they hang up immediately, or say they dont have 2, and i have others 2 back this up as i usually answer unknow calls like these on speaker

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was one of the many that opened a Savings & Checking Account with Wells Fargo in Colorado and told the credit card was the only way I could get cash from my accounts through their ATM. Fast forward to a new issue ; I opened a Roth IRA with Wells Fargo in XXXX, CO in XXXX. I was told this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers, I requested a transfer form to move the account to another financial institution. This started in XXXX, XXXX and I have sent multiple emails, phone requests and in person banking requests and to date have not received the form. On XXXX XXXX, XXXX I received a letter from XXXX XXXX and another letter from XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days. To date they have not sent the form. My complaint is to find why my Roth IRA did not earn interest in almost 10 years. And, to receive the correct form from Wells Fargo to transfer my Roth IRA to my new financial institution. 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 explanation
Consumer complaint received 2017-06-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company place this on my credit report and disputed it and call them and sent them a letter asking them to send me proof that this is debt belongs to me which they have not. I know they received the letter because I mail it certified on XXXX XXXX,2017 and they received it XXXX XXXX, 2017. plus I gave them 30 day to reply which they have not, so I am filing a complaint with you to have them provide what I have requested or have them remove it off my report.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The credit bureau are still reporting monthly on closed delinquent accounts.

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 2021-05-10
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/XXXX my credit score adjusted to XXXX, And stayed that way until XX/XX/XXXX, and dropped XXXX points for no reason. There has been no negative activity for that week or even the last month. In addition the information that was reported that week was all positive. A collection had fallen off and balances went down on 2 of my accounts. There is no substantial evidence to support lowering my credit score. I have spoken to Equifax and they did not nor did they try to help me. 
Your system would not let inset the last 4 of my social security number It is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act 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 DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid debt in XX/XX/XXXX to companies alleged debt. No reporting to the credit bureaus had occured at that time and the old account had a XXXX balance. Comoany has now reported debt on XX/XX/XXXX as a new unpaid debt do the same account which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX.
They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: TX
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance Owed : {$110.00}.

Company response to consumer: Closed with non-monetary relief