BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX, I receive letter from Gurstel Law Firm indicating I have a judgment from XXXX XXXX, XXXX. I've never heard of either company. Owing {$21000.00} + {$7000.00} in interest, as of XX/XX/XXXX. I called several times to be finally told that this was a collection from XXXX. No other information was provided, not when the account was opened or closed. Whether there were previous attempts to contact me or collect this debt, previous addresses, phone numbers for these attempts, nor when the law firm actually received this claim and what documents supported their action to contact me. The information they have is incorrect. They use a name ; I have never used in a public forum. The date of the debt is incorrect. The fact that I have done business with them is correct. The law firm says this is a co-debt, but I was not given this information. I filed bankruptcy over 20 years ago ( XXXX ) with my husband. This letter states since XXXX. These last 20 years after filing have been difficult to establish any credit or loans of any kind. I couldn't even get a bank account. I've been in a homeless shelter the last 4 years. I literally have a credit history of 2 years as of today. I only have a cell phone, a car, and I just got into an apartment in my name after not being qualified after ALL these years. This firm was rude and a little scary. To think I could lose everything again, just by getting my paycheck garnished or having to fight in court after just getting everything back on track. This is threatening and unethical for a business to actively deny me information I need to try to defend myself on a debt they insist on collecting that does not belong to me. Again, here are the companies : XXXX, Gurstel Law Firm and XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Credit Bureau did not delete the error on credit report from XXXX XXXX. They reviewed it and found it accurate. This is information which is derogatory and defamatory and which is inaccurate and false. This information needs to be deleted from my report as this collection has never been validated.

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 2017-08-19
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding has been on my credit report for over 3 years. I have asked repeatedly for validation of this debt to no avail. They were reporting multiple times on other accounts that they have deleted, but seem to want to linger on this one. This debt account # XXXX has been reporting monthly as if I have an contractual agreement with them on 1 month terms. I have never made or had an agreement with them. They have also reported this same account multiple times as Midland Credit Management. I sent them  a letter on that, and they removed the multiple reporting 's of the same account. They advertise on their website of removing and deleting accounts older than 2 years, but yet have removed this one. I am asking CFPB to help me put this to rest as Midland does not seem to want to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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 fraud alerts or security freezes

Complaint:
XXXX XXXX denied a recent application of mine because of the security alert on my credit report. They advised me that until my current phone number is updated and they can call me it will remain denied.

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 2017-08-30
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:
I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section 609. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.

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 2017-08-30
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:
I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section 609. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have asked Navient multiple times due to my situation I ca n't physically afford to even pay my own bills let alone having child support being paid out repaying on my school loans I 've asked multiple times can we do something to have no more than {$100.00} a month I understand I have to pay it back I am understanding that it needs a certain amount but when I can not physically afford to even pay my own bills it 's very difficult to add another let 's say {$250.00} being paid out on muonth. I need help I need a really low payment and direction XXXX wo n't lower it even more I understand there 's certain guidelines but when the bar is on able to pay and physically not able to pay this amount due to hardships it makes it hard to be able to pay everything that the borrower wants to pay on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Focus Holding Company
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: Account information incorrect

Complaint:
requested debt validation and was hung up on and threaten to never be able to get a job and live poor. 

Informed this company I am required by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit and they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Account status incorrect

Complaint:
To whom it may concern, I have a mortgage loan with XXXX XXXX XXXX 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Account status incorrect

Complaint:
To whom it may concern, I have a mortgage loan with XXXX XXXX Bank. 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.

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 2022-02-03
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is reporting on my personal credit file with Experian credit reporting agency. This account was opened fraudulently. You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report. 

( 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 2018-07-08
Company: Navient Solutions, LLC.
State: OK
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 paying on my student loans since mid XX/XX/XXXXand my balance has increased due to misallocated payments. I was also steered toward forbearance around XX/XX/XXXXinstead of toward a payment plan. I now have - balance of over {$110000.00} in student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To whom it may concern, I have a mortgage loan with XXXX XXXX XXXX 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.

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 2022-02-03
Company: Experian Information Solutions 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:
XXXX as well as the number of Auto Inquires. 
The address was incorrect on paperwork. The contract was written on and never emailed the actually contract that was asked for. 
I have all documents and police reports ..... 
This is effecting my 3 Major credit finance companies

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 2019-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX denied a recent application of mine because of the security alert on my credit report. They advised me that until my current phone number is updated and they can call me it will remain denied.

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 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Three checks were deposited into my Bank of America account total of XXXX then my account ended up being negative XXXX dollars I closed my account in 2020 tried to open a checking account at a credit union but cant because of my Bank of America experience

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 2017-04-17
Company: Collection Consultants of California
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account name COLLECTION CONSULTANTS Account number XXXX Recent balance {$170.00} as of XX/XX/XXXX/2017 Date opened XX/XX/XXXX Status Collection account. {$170.00} past due as of XXXX 2017. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX Type Collection COLLECTION CONSULTANTS ' lack of response has negatively impacted my credit report. I reserve all legal rights to defend and dispute my credit report records. 

Why wo n't COLLECTION CONSULTANTS provide a deletion letter for paid claims, similar to other collection firms? 

Request : Deleted permanently from my credit report. Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. This is the only remaining inaccurate collections item on my credit report. 
Consumer Finance Protection Bureau ( CFPB ) Case Numbers for CMRE to immediately address :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The homeowner submitted a loss mitigation package to Bank of America, N.A. on XX/XX/XXXX, 2017. Bank of America, N.A. immediately denied the homeowner for loss mitigation stating that there was an issue with the loan that prevented a complete loss mitigation review. Bank of America, N.A. stated the client had to fax a letter to them requesting information on the issue and how to resolve it. The homeowner did that, and Bank of America, N.A. has still refused to provide any information to the homeowner to resolve the issue and to allow the loss mitigation review to move forward.

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 2017-04-15
Company: Big Picture Loans, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When I took out the loan with Big Picture Loans for XXXX dollars they said the finance would be XXXX dollars. I then said okay but received papers for repayment until XXXX XXXX, 2017 totaling XXXX .I did not receive this until after payment. I would have never agreed with this outrageous interest. XXXX was taken out every two weeks. I have already paid over the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Lincoln Educational Services Corporation
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 information incorrect

Complaint:
The credit bureaus continue to allow Lincoln Tech to report a {$3600.00} collection account on my credit report, when the debt does not exist. I have contested the debt with Lincoln Tech and demanded documentation to show that I have any debt with their institution. Despite multiple requests, they have yet to provide any of the documents requested. Meanwhile, I continue to contest the debt with the credit bureaus, but they just keep verifying the debt to them. I sure would like to see what they're sending to the credit bureaus to verify this bogus debt, because they refuse to send me anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: SLM CORPORATION
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Borrowed with sallie Mae in XX/XX/XXXX using my grandmother as a cosigner. She was going to take care of the loan. Grandmother got sick and ended up in a XXXX and then passed away. I was living on my own since I was XXXX. Was in an XXXX marriage XX/XX/XXXX-XX/XX/XXXX. Graduated in XX/XX/XXXX and have been working to financially recover since. Financial hardship resulted in a default on sallie mae on XX/XX/XXXX after attempting deferment and a few payment arrangements. Called on XX/XX/XXXX to attempt to make arrangements for payment. Was notified of the default status and no payment arrangements was allowed. Sallie Mae representative was rude and harsh. Commenting on my financial situation and my lack of responsibility of the loan. Told me the only thing that would be allowed was paying the lump sum of the balance immediately, even though the loan is still owned by them until XX/XX/XXXX. Asked for XXXX $ and told me I was in a bad situation. Told me the next step is legal action. Had me sobbing on the phone. I was disgusted by the way he talked to me and the fact that sallie mae would rather take legal action against me then accept payments I 'm offering. Communication was poor. Help and options were still financially straining.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Remitly, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
They deducted amount from my bank account inspite of wrong recipient details and the fact that the transaction was cancelled. 
They told me that they will refund within 24 to 48 hours which they didn't. I didn't received back the funds. They are now telling 10 business days. I have my whole emi due which because of remitly wrong conduct and fraud has been bounced. They have the recording too of the supervisor promising me that money will be reflected within 24 to 48 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have previously filed complained complained against the company regarding accounts that were deactivated and Response came back from PayPal saying the reason for closure my account was accessing via VPN ( a behavior unacceptable by the company ). I would like to note that my my usage of VPN is not for the purpose of anonymity but for the rather due to my access from foreign countries as I travel a lot and I was advised actually by member PayPal support to use VPN when accessing the account which seems to work fine for more than two years ) and yet it is claimed to be suspicious activity and reason behind account closure, I can't seem to wrap my head around this! 

I have reason to suggest the actual cause for account closure to be ( retaliation ). 
Days prior to this incident, I received a notice of a dispute by a buyer of my services and upon opening the dispute I noticed the buyer name to match my own name for a transaction between my own personal and business accounts, I was told that I have filed a dispute against myself and money was later removed from receiving account and not credited into the sending account, clearly suspicious action and suggestive of XXXX XXXX. 
I XXXX  About the incident and expressed mistrust in the PayPal dispute system/process and questioned legitimacy of previous disputes I had gone through and that involved thousands of dollars I lost. 

My account got restricted and later permanently closed following this XXXX so I feel strongly that the actual reason behind closure was retaliation against my action and not because of XXXX because I have used XXXX for more than 2 years without issues in the past

Company response to consumer: Closed with explanation