BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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:
FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Post office box  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
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:
Wells Fargo has not reported any payments to my loan account from XXXXXX/XX/XXXX til XXXX XX/XX/XXXX. I have never received or got any notifications that credit reporting from this company had been disabled due to COVID-19. As of XXXX XXXX, I have yet to receive notification of any law or regulations stating any delays in reporting loan payments to any credit bureaus. On XX/XX/XXXX, I logged into my XXXX credit report to find that Wells Fargo marked me 30 days late for XXXX  XX/XX/XXXX, when they had not reported to any credit bureaus since XXXXXX/XX/XXXX, before then XXXXXX/XX/XXXX. On XXXX XXXX, XXXX, I made a web payment of {$880.00}. On XXXX XX/XX/XXXX I made another payment of {$1300.00}, which pushed my next auto loan payment to XX/XX/XXXX. But yet, they have marked me 30 days late for XXXX, when clearly XXXX was paid during the month of XXXX. I spoke with a customer service rep on XXXXXX/XX/XXXX at Wells Fargo that stated XXXX payment should not have been reported late and advised me to dispute the issue. Per checking my payment history with Wells Fargo there is a principal receipt of {$120.00} that has never been reported to my payment history or to the credit bureaus. Can you please correct this. Principal and interest is already added into the loan upon being approved for the loan. So why is more principal added in the middle of a loan agreement. It was also reported to The credit bureaus as a charge that increased my loan. Sounds like a scam to me. As of today XXXX, XXXX and XXXX has wrong information on this loan. They have not been updated in months. The only reason XXXX got updated is because I made a payment and it triggered a response from them, but its still incorrect. Before this, they had not been reporting correctly or even at all. My balances are incorrect on every credit report, but the Wells Fargo app is showing correct payments on time and a decreased balance per the payment I made in XXXX. I have never had a late payment on my credit from Wells Fargo. There was no indication to me, that any of this type reporting was legal.

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 2016-02-03
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted 'law offices ' and could not get proper balance when requested. Also having paid on this debt for over 1 year have never received quarterly accounting of the debt while the consumer makes payments. 

Unsure what is currently owed and lawfirm has told me I must keep paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Van Ru Credit Corporation
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
i found out XX/XX/2016 -13 years later that I had a student loan with XXXX and that it was in default. XXXX turned it over to Van Ru which started harassing and threatening calls. when I tried to find out about the loan and why it was so old they told me I had to write in as they would not respond to emails. I have been mailing them almost 8 months to find out where the money is going they are taking out of my check but they do not respond. they send me a court order and used USA funds letter head. I would really like to know where the money is going and how it is being applied to my 13 year old loan that I did not even know about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: Nelnet, Inc.
State: NY
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:
To whom this may concern I been trying to resolve this issue with the department of education/nelnet with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed numerous complaints against this credit bureau on this website for the same issue that I am complaining about today and this credit bureau has failed to provide the evidence requested and or remove the item from my credit report. This credit bureau continues to state that a XXXX XXXX XXXX account number XXXX that was allegedly owned by me that it is reporting accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and I requested of them ''There Method Of Verification ''. Now they got my request for there '' Method Of Verification '' on XX/XX/2021 and the Fair Credit Reporting Act clearly states that the credit bureau should provide me with there method of verification within 15days of me making the request. Today is XX/XX/2021 and to this date I have not gotten there method of verification and this is a clear FCRA violation. They cant and or they wont provide me with there method of verification but yet they refuse to delete XXXX XXXX XXXX from my credit report when I repeatedly asked them to do so. I keep on getting letters in the mail stating that it is been reported accurately but no method of verification is sent. 
The method of verification should entail : a ) The description of the procedure used to determine the accuracy and completeness of the information. 
b ) Name and address and telephone number of each person contacted regarding this alleged account. 
c. ) A copy of any documents bearing my signature showing that I had any form of banking relationship with this bank and the true status of that relationship now and then. 
d ) No E-Oscar response but a valid investigation was what was requested To this day no method of verification has been received by me and this is a clear FCRA 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 2017-02-02
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I ca n't pay my loan. I am unemployed. Navigate just wants me to pay for forbearance everytime instead or lowering my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amounts that are said to be owed are incorrect. When moving out in XXXX  XX/XX/2015 I was in contact with the leasing office about what was owed. I paid all the arrears in XXXXXX/XX/2015 and only owed the prorated amount for XXXX. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.

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 2020-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraudulent accounts thats not mines, Ive sent the FTR report but they have not removed the items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services out of New Jersey. does not cash my payments on time them report me as late. then add fees to my account. they are criminals. this has been going on for years since they purchased my loan. a few years ago, this company operates as a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2021-09-27
Company: T.S. Holdings
State: PA
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 disputed this debt with IQ Data Several times, and I've received no response at all, their first violation of the FCRA. They have continued to report the disputed debt, their second violation of the FCRA. I have even filed a XXXX  complaint against them to seer f I could get them to respond, they did not. They have refused to validate a debt at a consumers request, a violation of the FDCPA. They have illegally assessed interest, penalties and fees to the account, clearly evident on my credit. They are breaking the law and it is destroying my reputation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, my husband and I had {$22000.00} hacked from our joint M & T Bank checking account. We immediately went to the branch and filed a Complaint. We were told that they would have the claim resolved by today, XX/XX/2021. We have not heard anything from the bank and nobody is able to give us further information. We opened up new bank accounts which have not been reimbursed for the security hack.

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 monetary relief
Consumer complaint received 2022-10-27
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:
Equifax must remove the following accounts per my written instructions ( see attached for further explanation ) due to the failure to perform their grave responsibilities with multiple reinvestigations. Please be advised, consumer reporting is voluntary and in accordance to the written instructions by the consumer whom it relates. ACCOUNTS TO DELETE : 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX Reason : Deceptive, inaccuracies and time-barred debt. XXXX reported open date of XX/XX/XXXX, but claims theyre not the creditor and acting as a debt collector AFTER the alleged XX/XX/XXXX charge off account was transferred to them. XXXX, also, owns XXXX XXXX, who is the alleged creditor company. This is deceptive practices. NY statute of limitations has expired for this alleged debt and I do not owe.. 
Action : Delete account. 

2. XXXX XXXX XXXX XX/XX/XXXX XXXX - Reason : Time-Barred Debt and Cease to desist ( XX/XX/XXXX ) ALL communications to third parties and collection efforts. XXXX XXXX XXXX was issued a demand to cease to desist ALL contact, direct or indirect, which included communication to third parties via medium, and collection efforts. XXXX XXXX XXXX has failed to comply and knowingly incurring multiple violations daily. As you see in the attached correspondence, this company, proudly, does not follow federal laws and makes up their own rules. This account is demanded as part of the cease to desist to be deleted! A debt collector, who reports to consumer reporting agencies, still constitutes as an attempt to collect a debt! NY statute of limitations has expired for this alleged debt and I do not owe. 
Action : Delete account. 

Please see attached supported documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Transunion and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Transunion provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account 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 2015-10-15
Company: ARC Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX was extremely disrespectful and manipulative toward me when I tried to explain to him very politely that the debt was not owed. XXXX works for ARC Management and had zero regard for me as a human with dignity. He treated me like I was the scum of the earth. I escalated the call to his supervisor who promised to review the call. There is no excuse for yelling at me and interrupting and refusing to listen. More flies with honey than vinegar. Oh, not to mention, the debt was invalid and should n't be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-12
Company: ALLY FINANCIAL INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not have any loans with the company and don't know why I have an inquire on all 3 Credit Reports XXXX, XXXX and XXXX ALLY FINANCIAL Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/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 2020-04-04
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company keeps calling from spoof numbers and using obscene language.

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 2016-09-08
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX continues to have collection agencies try to collect a debt that I do not owe. I have filed several complaints with protection agencies over the years, but XXXX continues to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation