BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: MD
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:
Submitted dispute with Experian regarding new alleged collection account added from XXXX XXXX XXXX XXXX. Asked that collection be validated by collection agency producing a written contract proving the debt actually belongs to me. In less than 24hrs my Experian dispute was closed with out producing any contractual documents from XXXX XXXX. Experian did not do their due process in ensuring the claims from XXXX XXXX are in fact accurate. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that this is my debt.

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On aprox. XX/XX/19 i submitted a dispute about an account from XXXX XXXX appearing on my credit. Both XXXX and XXXX removed the account from my report because the company did not verify the information. Transunion failed to remove the account even though it was not verified by 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 2022-05-06
Company: Convergent Resources, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit file much because I aged out of foster care and didn't know how. I discovered XXXX on my credit report back in XXXX of 2021. I disputed with XXXX, XXXX, and XXXX. I disputed it with XXXX. I have disputed it several times with all respective parties. I don't know what they are using to verify this debt other than my information that was fraudulently used. I am not sure who used my information and I wouldn't even know how to find that out. I filed a police report back in XXXX of 2021 and have submit it to the before mentioned entities. I also filled out the forms from XXXX and mailed them back. The issue is still not resolved. I have done everything that Consumer Finance and the Fair Credit Reporting Act has recommended me to do. My actions have brought me to move forward with filing a complaint with Consumer Finance, the Fair Credit Reporting Act and my attorney generals office. I want this matter resolved as soon as possible. I do not owe XXXX any money.

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 2017-05-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been enrolled in public service loan forgiveness for years, through 3 different servicers since this program was made available in XX/XX/XXXX. I am an XXXX working in XXXX XXXX XXXX since XX/XX/XXXX. This program has allowed me to stay and not go work for a private firm which would pay more. It allows me to plan for retirement. These servicers fail to give me credit for payments made ( some full payments made during a forbearance reps suggest while we wait for recertification or verification or new beneficial regulations to go into effect are not counted - they need to give credit for these payments ). I have asked many times for a supervisor to call me, to address the problem, for an analysis of my payments, for them to update the number of payments I have made, to correct the ongoing errors. They do not respond and they refuse to share contact info. I have spent countless hours on the phone trying to get answers and credit for payments made. I have sacrificed many many months and even now, years, when payments could have been made but we needed to wait for these service providers to implement a new program or process documents or especially while transferring to new providers ( especially waiting fr XX/XX/XXXX which was date fo 10 % cap implementation - it took until XX/XX/XXXX to actually have them do it - so I lost a year and a half. Bottom line is I am entitled to additional credit for payments made. I request and am entitled to credit for EVERY payment I have made. Errors in the past decade where plans were incorrectly assigned to me or employees of XXXX XXXX failed to process applications and documents I have submitted, all need correction so that I can RETIRE. This is the worst administered program I have ever encountered. And I work in XXXX. It is not fair to the borrower. We need to be able to talk to the same person and not rehash the issues with multiple people, many of whom lack the knowledge to address the issues correctly. I did get a few corrected recently but I can not understand why some were fixed and not others. I have large files full of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: CT
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:
on XX/XX/2022 I sent letters to Experian, XXXX, and transunion to validate these innacurate accounts below or remove they are breaking the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. If you can not provide this proof for these accounts below in 30 days you must remove this inaccurate info from my report. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

they did not provide verifiable proof to for any of these accounts 1. The following account is inaccurate and isnt mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 2. The following account is inaccurate and isnt mine XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 
3. The following account is inaccurate and isnt mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit 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 2022-09-15
Company: Experian Information Solutions 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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2016-05-31
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This all started back in 2013 my mortgage company lost two of my payments we submitted our bank statement when they bought our mortgage and said they never received them which put us behind then they started foreclosure they charged us {$8400.00} to get out of foreclosure we are now still fighting them because they say we still have {$3300.00} in foreclosure fees which it 's been 3 years now which has made us three payments behind again every time we make a payment we have new charges they 're trying to charge us {$570.00} and late fee charges and certified mail charges which we have not received any certified mail they are charging of property inspection fees nobody has come and inspect my property and now we have made an insurance claim and we had to mail them the {$17000.00} for our garage check and they are with you using to release that to us we are just trying to get what is belong to us to us if anybody could help us this would be wonderful wonderful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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

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 2022-05-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have already opened a dispute with the XXXX XXXX XXXX and they failed to remove the account from my credit report. I did not open a leasing contract with the company the collection agency is reporting for. The collection agency has also failed to provide documentation of a leasing agreement with my signature.

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 2022-05-06
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: Information belongs to someone else

Complaint:
I have already opened a dispute with the XXXX XXXX XXXX and they failed to remove the account from my credit report. I did not open a leasing contract with the company the collection agency is reporting for. The collection agency has also failed to provide documentation of a leasing agreement with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of 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 reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

According to : 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

And i also want to inform you guys that the credit agencies removed one of the bankruptcies the one from XXXX when i originally filed a dispute threw them and then put it back on my report which i will provide proof in the following documents which is also a violation and also put a change on my report as making it seem i just filed a new bankruptcy with a new case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or Madam : This letter serves as my formal complaint against the abusive debt collection practices of Midland Funding LLC - XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, NC XXXX - XXXX. 

Three months ago, Midland Funding LLC began the following abusive practices in violation of the Fair Debt Collection Practices Act : Refusing to validate said debt via the FCRA ( 30+ days. No Response ) ( 2 ) Illegally placing said collection on my personal credit report ( with the 3 MAJOR credit bureaus ) ( 3 ) Sending me documents claiming that I owe {$1700.00} when I actually owe {$0.00}.

( 4 ) Illegal collecting debts in the State of North Carolina w/o a license

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company, Asset Care has illegally reported and demand debt collection for different amounts of debt they have not legally informed or verified with me. I've sent certified debt validation letters on XX/XX/2020 for the company to send specific requested documents within 30 days of the date on the letters. I also advised the company that failure to do so within 30 days or failure to mail all requested documents will legally force them to remove those debts from my credit report at once. The company has failed to respond and has not provided validation as of today XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Friday, XX/XX/XXXX, I attempted to log into my online US Bank account. However, I had changed my password a couple weeks back and my browser incorrectly saved the updated passcode so I mistakenly used a previous password. After XXXX attempts at logging in, I requested a new password. However, after going through XXXX authentication and in creating a new password, I was then presented with an error message when attempting to re-log in with the new password. 

I contacted US Bank customer support almost immediately and, after speaking to an agent, I was directed to the company 's fraud response department. However, the agent I was directed to was not available and I was presented with her voice mail. 

I made several subsequent attempts to contact US Bank 's fraud response department and, each time, I would speak to an initial agent, then be referred to another agent, only to then be directed to a voice mail. Each time I was directed to a voice mail, I provided my name, phone number and account number as requested. 

On XX/XX/XXXX, at approximately XXXX XXXX PST, after calling US Bank once again, I was informed that an agent named " XXXX '' with the fraud response department was the only individual who was able to remove the hold on my account. The agent who informed me of this provided me with XXXX 's direct phone number, along with forwarding me to her. Again, I was directed to her voice mail. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX PST, I called XXXX 's direct line. I was again directed to her voice mail. 

XXXX, nor any other US Bank agent, has made a subsequent attempt to contact me directly despite providing them with my contact information and a description of the issue I have been experiencing.

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 2022-05-06
Company: EQUIFAX, INC.
State: CT
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:
on XX/XX/2022 I sent letters to XXXX, Equifax, and XXXX  to validate these innacurate accounts below or remove they are breaking the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. If you can not provide this proof for these accounts below in 30 days you must remove this inaccurate info from my report. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

they did not provide verifiable proof to for any of these accounts 1. The following account is inaccurate and isnt mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report 2. The following account is inaccurate and isnt mine XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 
3. The following account is inaccurate and isnt mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation