BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: W&A Intermediate Co., LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice for Proof of Claim Account : WAKEFIELD & ASSOCIATES XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. these accounts listed are fraud i did not make these inquiries i spoke to the reporting agency and they have violated my rights by not removing these inquires ASAP

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 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This address XXXX XXXX XXXX XXXX GA XXXX is not mines I have never stayed in XXXX Ga in my entire life. my social does not end in XXXX please remove both or i will be forced to file legal actions. These are not associated with me I have already provided company with a ftc report and copy of my social.

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 2023-10-23
Company: LEXISNEXIS
State: IL
Product: Credit reporting 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 never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX should be removed from my credit report entirely!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XXXX arbitrarily and arbitrarily used payment terms to seize customer funds, sent consultation emails without replying, and the customer service team ignored customers. They advertised that they would review the account within one working day, but this was not done. When deactivating the account, it was said that funds would be released within 90 days, but this was never done. I hope that with the intervention of the CFPB, my funds can be released as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 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

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 2023-02-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
this is regard to the wells fargo class action lawsuit for wrongful mortgage practices in which i lost my home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
account information is not accurate with XXXX XXXX XXXX # XXXX this account is not 30 days late and hs never been they should have received communication from XXXX XXXX regarding this matter account has on tie payment the 30 day ate is not correct XXXX XXXX will verify this information is not correct I have a deferal in place payments are currant

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 2023-10-24
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My IDR application was submitted on XX/XX/XXXX, requesting to change my plan from PAYE to SAVE. I was told that it will take XXXX business days to process. It has been 2 months and still has not processed. 1 ) I requested information on if there is anything else ( e.g., other documents ) that needs to be submitted and I did not get a response. I would like confirmation that the IDR application is complete. 2 ) I asked to be taken off forbearance on XX/XX/XXXX and said this will be processed within 5 business days, but still has not processed. I want an update on the status of being taken off on forbearance 3 ) I also want confirmation on when the IDR application will be processed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ATG Credit, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/ I made a complaint with the cfpb complaint number XXXX with a cease and desist as well as a notice of fault due to ATG credit violation of the consumer protection act ATG not only failed to cease all communication ATG also did not attempt to provide monetary remedy for set violations or delete themselves from my consumer report On XX/XX/ i made a complaint to cfpb with complaint number XXXX ATG CREDIT responded on XX/XX/ stating they would cease communication On XX/XX/ i made a complaint with a attached cease and desist and demand letter ATG to correct my consumer reports and pay monetary remedy ATG credit stated i didnt answer their calls as in its mandatory to speak with them they had no business harassing me and caused me a great deal of stress i would be attempting to file a small claims lawsuit if we can not settle this matter FULLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
These account were open but my identity was stolen so someone used these cards and I was left to pay the balances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Dovenmuehle Mortgage, Inc.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received a paper letter stating my monthly payment would go from $ XXXX to $ XXXX. I logged into the company 's app and saw that the taxes they paid for the year were almost triple the previous year. I sent a message to the company on XX/XX/XXXX  to request an explanation as to why the rate had jumped so much. This morning, I found the issue was " closed '' and no response was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: MOHELA
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mohela is reporting the same account on my credit report twice so it's showing as two tradelines. This is making it appear that I have twice as much debt than I actually have. I contacted Mohela and spoke to XXXX who stated that it appears correct on their end and he only sees it being reported once. I asked what could be done to fix it and he said he wasn't very familiar with the process. I need this corrected because I am in the process of purchasing a home and this is negatively impacting 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 2023-10-24
Company: Cascade CISS Holdings, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This company didnt have no authorization run my credit never did any business with them. I need this information remove off my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}

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 2023-12-19
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-10-24
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Im in the mortgage industry and lost my job in 2022 and at that time I fell behind on my first XXXX  and simply could not make the payments so I decided to sell since it gained equity and would be able to survive temporarily. Out of nowhere I get a collection notice from a XXXX that I had thought was forgiven which was originally with XXXX, then sold to XXXX and the. XXXX went out of business and I tried to figure out where to pay but never heard for almost 16 years until I get a demand letter from a collection agency that I never received a transfer of servicing letter no any payment coupons and being in the business by law you must received the transfer letter within XXXX business days. Needless to say my was desperate and ended up selling my home and lost about {>= $1,000,000} on the zombie mortgage which was mainly interest which I begged for them to work with me and they would not budge. Im now homeless, jobless, no car and no unemployment checks and I need help to get the money that the collection agency took from me. Please help me and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, I was a victim of identity theft - and as a result have had my credit ruined from fraudulent activity. 

See attached. 

drivers license social security card address complaint FTC report for identity theft I expect all of this fraudulent activity to be removed immediately upon receipt.

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 2023-09-27
Company: Nelnet, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Nelnet recently sent me a billing statement in mistake. XXXX XXXX fraudulent consolidation loan is currently being service by the U.S. Department of Education XXXX XXXX XXXX XXXX ).. I am currently waiting on results from the U.S. Department of Education XXXX XXXX identity theft package I sent the XXXX I also told the U.S Department of Education XXXX XXXX I am not going to pay the consolidation loan. Once a student loan goes to the U.S.Department of Education XXXX the loan can not be transfered to another servicer unless it is consolidated or rehabilitation, I chosed neither. 
Nelnet to consult with the U.S. Department of Education XXXX XXXX. Nelnet is not the servicer of XXXX XXXX fraudulent consolidation loan the U.S.Department of Education XXXX XXXX is and Nelnet has no standing in this issue because I am not going to pay. If Nelnet does not answer this complaint with government CFPB I will consider this issue is solved with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I make a payment in full in the amount of {$2400.00} the return item when I have sufficient funds in my checking account. They are trying to say the payment failed when in it didnt and funds are available to pay them off in full. They have already received {$1800.00} in payments from me in a {$2500.00} loan the loan went down {$15.00}. They wont stop returning my payment when I asked to close my account when I make the final payment to end business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Town Financial Corporation
State: IA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I got a loan because my car needed fixed for originally XXXX, they called me 2 months later and asked if I wanted to up my loan to XXXX and theyll send me the extra XXXX and I can skip a payment. I agreed however when it popped up on my credit the loan was XXXX instead of the agreed amount of XXXX I called them and asked why my loan was so much and they stated that every year it gained interest and if I kept making the minimum payment amount which is my monthly payment, I would pay XXXX. That I can only pay XXXX if I pay it off before a year

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX a stimulus deposit of {$2800.00} was deposited into the NFCU into an account that was not ours. The IRS sent inquiries 3 times for the NFCU to return the funds that were deposited. On XX/XX/XXXX I contacted the NFCU about why the inquiries were not answered. On XX/XX/XXXX I talked to the XXXX XXXX. and was told that the funds were sent back. On XX/XX/XXXX I contacted the IRS about the stimulus deposit being returned and was told that the NFCU still had not responded back. Called the NFCU with the information they needed about the inquiry. Their answer was that they couldn't find the inquiry. To have the IRS FAX the information to the ACH Dept. The IRS does not call banks about accounts. A supervisor at NFCU told me that they do not care who's name ( s ) are on deposits into accounts. That there is nothing the NFCU can do to get my funds.

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