BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans are currently being transferred from XXXX XXXX to MOHELA. While there is currently no record of my loans at XXXX XXXX, they have not yet appeared at MOHELA. This is a major problem for me because MOHELA continues to automatically reject my attempts to upload PSLF forms since I do not have a balance with them. I need to be able to submit those forms ASAP in order to get them in before the XX/XX/XXXX deadline for the PSLF Waiver.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 -XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 -XXXX XX/XX/2021 -XXXX XXXX XX/XX/2021 -XXXX XXXX  XX/XX/2021 -XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 NEGATIVE ACCOUNTS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-27
Company: Nelson Cruz & Associates LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX at Nelson, Cruz and Associates ( XXXX ext XXXX ) first called a neighbor of elderly father to contact him since they did not have the phone number. Once on the phone XXXX threatened him and said if he did not settle that day she would take his house. She was trying to locate his son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: SECURITY FINANCE CORP
State: TX
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:
WHEN I CHECKED MY CREDIT REPORT, I NOTICED THIS ACCOUNT THAT DOES NOT BELONG TO ME

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 2021-08-03
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & s. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: VA
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:
Since XXXXXXXX XXXX XXXX, I have put in many requests for investigative consumer report due to inaccuracies noticed on all XXXX of my credit reports. 15 USC 1681 section 603 ( 3 ) ( E ) States ; " Investigative 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 informations. 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. They also violated my rights numerous of times, I have tried doing investigative reports. 
The credit Bureaus violated my given rights under 15 USC 1681 It States that : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also, 15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agency can not furnish 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. 

Account Name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/22 I was notified a credit card issued by USAA was onmy credit report. After many phone calls with the reporting agencies, i was able to have that corrected. 

-The PROBLEM : The issue is that USAA has established a profile on me, from over 30 years ago, A profile in which " I '' have had NO accounts with USAA XXXX 30 years ago, they said I requested " info '', but that was the extent of the inquiry. " I '' have NOT opened ANY USAA accounts in my life. 

-PROBLEM Cont. : USAA is REFUSING to delete " MY '' profile. If this back is regulated, what gives USAA to maintain my profile, which USAA issued a CREDIT CARD to a Criminal, and NOW, they still want to maintain MY DATA on their servers? USAA were the one that FAILED in this issue, by ALLOWING a criminal, to open an account in my name, and then send it to an address I have not lived in 15 years, the sent AGAIN, to an abandoned hotel, in a state I DONT EVEN LIVE. 

USAA FAILED to protect MY data before, and they SHOULD NOT be allowed to maintain MY DATA against MY WISHES. That is MY DATA, MY INFORMATION, NOT USAA 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
I have two collections that appear through a company I never even heard of Portfolio. I have not done business with this company nor owe them anything. I have not had a collection account in over seven years. This is inaccurate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
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:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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

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 2022-09-27
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Klima , Peters & Daly , P.A . Debt collector is trying to collect a debt which is not mine. Ive talked with them re the debtor who has the same name but a different address. They offered no solution. As in the past, they will sell the debt to another agency without changing the address and this 10 year cycle continues. 

Ref XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX formerly known as XXXX XXXX ) and I presently have a mortgage for my home through the mortgage providers known as XXXX  '' formally known as XXXX ''. To make regular payments on my mortgage, I Set up an online direct deposit on XX/XX/XXXX. This payment system ensures that not the 6th of each month, {$800.00} is to be distributed to XXXX. 

On XX/XX/XXXX, my mortgage was sold from XXXX to Specialized Loan Servicing ( SLS ). I did not receive notification of this transfer until XX/XX/XXXX. In addition to the notice of change, I also received numerous concerning letters and phone calls from SLS regarding my payment delinquency, and threats of foreclosure. 

Im confused by this because my direct deposit payments from my bank have continued. Those payments have been on time and consistent since XX/XX/XXXX when I first started direct deposit mortgage payments. I have documented proof of these consistent payments from the last eight months ( from XX/XX/XXXX to XX/XX/XXXX ). Originally, it had appeared that the months of XXXX, XXXX, XXXX have not been transferred from XXXX  to SLS. All together, it totals an amount of {$2400.00}. I showed a copy of my bank history query which indicates each direct mortgage payment sent successfully to XXXX and was never retuned. 

After that, XXXX sent proof that they had successfully transferred the funds to Specialized Loan Servicing ( SLS ) I will include that letter to this message. 

Ive called SLS numerous times on many occasions to resolve the issue but my efforts have been unsuccessful. If you could help me retrieve those funds from SLS that would be greatly appreciated. 

I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for CREDENCE RM to show proof of verification that I owe them {$900.00} with XXXX XXXX  CREDENCE RM is currently report inaccurate information on both XXXX XX/XX/XXXX XXXX XX/XX/XXXX about last date active on the account mentioned above. I would for XXXX XXXX XXXX to show proof regarding Account XXXX As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
State: TX
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-04-26
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On  XXXX   XXXX ,    2017  I received an email from my personal  XXXX  account that a trip ( Itinerary #  XXXX  ) had been booked on  XXXX  trip was booked from  XXXX  to   XXXX   XXXX    for  XXXX ,    2017  through XXXX   XXXX ,  2017 . I immediately went into my  XXXX  Account and noted how the trip was paid for. Upon arrival at home I looked for my credit card ending in  XXXX  from Barclays Bank and noticed it was missing. I immediately called Barclays and reported the card-lost-stolen. I was given credit and sent a new card. Days later I noticed the charges appeared back on my online account. Upon further review the names on the itinerary were listed as my  XXXX  old daughter  XXXX   XXXX  and her  XXXX  old boyfriend  XXXX   XXXX . After speaking with my daughter about this unauthorized charge I calle d Barclays a nd advised them of the situation. I explained that these charges were not authorized and the fact that my daughter is  XXXX  old and unable to travel alone. I was advised b y the Supervisor   XXXX   (   XXXX   )  that this was not going to be covered and that I would be responsible for the charges as the unauthorized charges were made by my daughter. I explained the circumstances and how she was not given permission nor is she authorized on my account to make these charges.  XXXX  said there was nothing he can do that I would be responsible even though the trip and the hotel would not be taken.     I do not understand how Barclays states I am covered against unauthorized charges but yet I am being held liable for the charges. The total amount charged to my card is {$1000.00}. I called  XXXX  on  XXXX / XXXX / 2017  and was advised that I would need to call my credit card company as they agreed this is an unauthorized charge.

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 2022-08-01
Company: EQUIFAX, 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:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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

Company response to consumer: Closed with explanation