BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-11-21
Company: MJ Altman Companies, 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:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
M.A.R.S. Inc. has been persistently attempting to contact me at my work. They have sent faxes with personal information to an open fax at our office that could have been, and was, picked up by another employee. The letter is a request to garnish pay when no court order has been given, no court date has happened, and no judgement has been made. They have called multiple times, including twice today. The second time they attempted to call another employee answered and informed them the manager was not available and that I could not accept personal calls such as this. The woman calling then informed the other employee that she was collecting on a court ordered garnishment for me ( using my first and last name ) and proceeded to talk to her in an abrasive tone and incredibly unprofessional manner. The employee told her that it was nothing she had involvement in and that she would need to find other means of contact, as this was a business phone and this matter is not business related. 
This harassment is unacceptable and has on multiple occasions, caused issues in my workplace. I have the original copy of the fax that was sent, and now another employee that is aware that M.A.R.S. Inc is trying to contact me and garnish my wages over a debt that I am still uncertain of. They have not specified who they represent or to whom I am in debt to. The calls began on XX/XX/XXXX to my knowledge. XX/XX/XXXX they attempted two calls, XX/XX/XXXX a fax, XX/XX/XXXX attempted once, and today XX/XX/XXXX, have attempted twice. I had been unavailable the times they have called, however the employees that have answered have all been made aware of this situation that not even I am certain of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
The following company never proved their methods of verification through several stages of written credit disputes : PORTFOLIO RECOVERY ASSOCIATES The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Mid-Atlantic Finance Co., Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
After assessing the contract obtained for my vehicle I identified that there were several illegal charges that were assessed in this consumer transaction. I have outlined violations identified below along with supporting documentation which support facts. 

Affidavit of Truth Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administer, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Where, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceitful creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled Exhibit A and Exhibit C that MidAtlantic Finance Company , Inc., is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. MidAtlantic Finance Company did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labeled Exhibit B that Mid Atlantic Finance Company XXXX Inc., is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Mid Atlantic Finance Company took cash as shown in attachment labeled exhibit B. 

Fact, Affiant is aware and has proof in attachment as labeled Exhibit A that Mid Atlantic Finance Company , Inc., is in violation of 15 USC 1611. Mid Atlantic Finance Company , Inc., willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I been a client of Chase bank for the past 7 Years and now they are closing my 3 accounts without a justify reason, they said is " confidential ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: AES/PHEAA
State: OR
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 was notified this morning XX/XX/20 that I have a student loan payment of over {$400.00} due on the XXXX. 8 day notice, which is actually 6 business days of notice. This is atrocious and unacceptable. 

How am I supposed to come up with that money on the fly right before the XXXX holiday and right around the holiday season? I have at this time requested a forbearance due to my financial situation but this delay is absolutely egregious and irresponsible. 

XXXX day notice is and should be the norm, not this 6 business day notification. I can not fathom how this occurred and why it was not processed sooner nor was I notified earlier. I have paperless notifications and billing, so there is no excuse there to associate with snail mail being the cause or root of this delay in notification and notice.

I imagine I am not the only one to experience this and I can not believe this has happened. I am hoping that my forbearance is approved or I will be forced to submit a late payment, which will negatively impact my status as a borrower, have negative repercussions upon my credit profile and ripple into another stream of problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Today, XXXX XXXX, XXXX, we are closing on the sale of a property. The payoff balances were substantially different than what they should have been based on the last received statement. In essence, they said the previous month 's statement balance is not the payoff balance. This is at least misleading and at worst criminal. How is anyone able to follow interest calculations if the balances are not correct?

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 2021-12-16
Company: Penn Credit Corporation
State: MD
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:
IDENTIFICATION NUMBER is I disputed 2 items on my account, and of course you sided with them?? Please have them PRODUCE INFORMATION FROM MY FILE that indicates I've done business with them. I sincerely have never heard of either one of them?? 
XXXX XXXX XXXX XXXX XXXX {$0.00} - - - Dispute PENN CREDIT CORP XXXX {$1200.00} - - - Dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 Experian stated they updated an account that I have been disputing for over 3 months, how is that possible when they did not do an investigation? In fact the status on my report shows it has not been updated since XX/XX/2022, however I received the update notice on XX/XX/2022 ( 5 months later ). There is INCORRECT information on my credit report SHOWING THE ACCOUNT IN QUESTION INCLUDED IN A BANKRUPTCY, BEING 30 DAYS LATE TWICE IN A ROW AND MULTIPLE CHARGEOFFS ( all not reporting 100 % accurate as required by the FCRA, and ILLEGAL UNDER THE BANKRUPTCY CODE. since more than 30 days has passed since this account was updated Experian is required under the FCRA to remove the listed below or I will seek monetary damage of {$1000.00} per violation. Enclosed is proof Experian continues to violate my rights under the FCRA. Account XXXX : XXXX XXXX Account Number : 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 2022-05-02
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive submitted disputes to both XXXX and Experian on XX/XX/XXXX for Account number XXXX I have been told that the account has been verified. However the information sent by the debt collector is outdated. The Proof of validation that was sent to me was an expired lease signed in XXXX. The lease terms clearly state the initial lease beginning XX/XX/XXXX to XX/XX/XXXX. The dates for the charges sent by the debt collector show a notice given date and move out date of XX/XX/XXXX. the debt collector has failed on multiple occasions to appropriately provide proof to validate the collection. This inaccuracy has plagued my credit for three years and after multiple disputes the bureaus refuse to properly investigate my claims.

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 2021-02-26
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Basically I received money from unemployment through direct deposit and they permanently closed my account I went through there resolution process and tried to call but was on hold for hours I sent them all the information they requested to verify my account and got no reply please help me be able to access my account funds I have kids and rely on that money to keep a roof over there heads please XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Another Lie again from Mr. cooper They claim they're sending resolution letters when they are only acknowledging the complaints to only stall then ask for redundant information that was already supplied .. they had 1040 already on file from prior years they had itemized information from my unemployment when the total income provided from the government itself 4056t was signed yet in XXXX when i provided updated income after they waited for the XX/XX/XXXX mod to expire then the next year they say they still needed a 1040 when i haven't even filed taxes for that year so all the information would have been provided on the prior 4056t showing nothing was filed yet they kept up with the narrative that they NEED my 1040 along with the same documents less than 60 days from a person with a fixed income from the government. I email MR cooper and told them i would agree to a modification but im not incorporating extra interest cause it wasnt my fault on the delay and they have lost paper work or lied since the beginning BECAUSE OF THIS COMANIES hard stance i had. Where in these letter dated on the days they say do you se a RESOLUTION??? Its more trickery with words and schematics because time and the government is always on their said All of the of these DENIAL DAYS ARE MISLEADING since XXXX Mr cooper has YET to produced a complete concise modification documentation that shows all instruments that were necessary to consider my worthiness but they supply a lot company propaganda that keeps them marginally compliant within the definitions of federal and state laws where do these resolution letters fall within the 1024.35 Error resolution procedures. statutes?? Because MR cooper says the magic catchphrase we determined that no errors are committed all is forgiven and lets proceed with our cover up and designed foreclosure process Mr cooper You need extra time to pull documents that should be readily available on your server? You disingenuously send form letters in attempt to show you're compliant but its just that you're a PROFESSIONAL SWINDLER if its not a 4056t you need a 1040 if not that you need a hard ship affidavit or you need income and all this is being SUPPLIED DIRECTLY TO YOU AND YOU STILL DROP THE BALL .... these attachment show on the day cooper claims i got a " resolution letter '' it was just acknowledgment of complaint and when deadlines were needed to be met I MET THEM and then they allowed this to be drawn out and then i got very upset about the lost of time and the accumulated interest and after EVERYTHING I ENDURED I HAD ENOUGH OF THIS!!! 


please MR COOPER SHOW ME WHERE THESE " RESOLUTION LETTERS '' RESIDE ON YOUR PLATFORM I SEE COMPLAINT ACKNOWLEGEMENT LETTERS COME ON USE YOUR BIG BRAIN AND TELL ME HOW THIS ISNT MISLEADING AND HOW YOURE NOT TRYING TO FABIRACTE THINGS TO YOUR OWN END MR COOPER

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/19 I was charged by " XXXX, XXXX '' two times for {$29.00} each. I contacted my bank and they handled the dispute and re-issued my credit card. The same thing happened on XX/XX/19 except this time the charge was {$2300.00}. Again, Bank of America handled the dispute and re-issued my card. On XX/XX/19 the same thing happened twice for {$29.00} each and again Bank of America handled the dispute and re-issued the card. 

I have been on contact with both B of A and MasterCard about this recurring fraudulent charge. Each entity is blaming the other. While B of A has provided new cards each time, the same thing happens each month and no one is sure how to prevent it from happening.

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 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries below I didn't authorize. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank

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 2020-06-21
Company: I.C. System, Inc.
State: WA
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:
So a collection account went on my Credit report in XXXX showing I owe {$950.00} to a collection company IC SYSTEM. I have disputed it multiple times with each Credit reporting agency but have not had any help in resolving this. It will get " Closed '' then they just open a new one a couple of weeks later and XXXX  up my credit. Today a new hard inquiry appeared from a XXXX XXXX XXXX. I have never heard of them, I XXXX  the company and they are in XXXX XXXX. I am in Washington. There is another one for XXXX. Another XXXX. Another XXXX XXXX XXXX. Another XXXX XXXX XXXX XXXX. Another XXXX XXXX. It continues ... I do not know how to fix this but I am hoping this agency can help 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