BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : Cease and Desist MIDLAND CREDIT MANAG currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : XXXX XXXX - MIDLAND CREDIT MANAG within 30 days from receipt of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EdFinancial Services
State: PA
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:
On XX/XX/XXXX, I tried to pay off my student loan in full. For multiple days, the account balance read {$0.00}. 

Not until an email from XX/XX/XXXX saying I had a late payment did I learn that the payment was reversed. 

I never received any email telling me that the payment was reversed or why. 

Now, today, XX/XX/XXXX, I am trying to figure out why this is, and I have been hung up on multiple times by Edfinancial Services customer service. 

This is incredibly frustrating and I have accrued interest on my loan because I thought it was paid in full. This is unfair.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-04-19
Company: EQUIFAX, INC.
State: MI
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 Equifax received a certified letter from me disputing my credit report. Today XX/XX/2022 a customer reps states they do not have any paperwork from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
This information is incorrect and does not belong to me, I do not want it in my report. 
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 non-monetary relief
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My issue is with experian.Ive been calling them for almost two weeks.no answer .well an Ai picks up.I wanted to call them and let ythem know my profile is incorrect and they never had my permission to sale my personal info to another collector According to 15USC1682b my rights were violated and also 31USC5118 United States government is responsible for all debts

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 2023-07-15
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned my lease in on XXXX and Ally Financial sent me a bill for {$1900.00}. 

They are claiming the a rear taillight was cracked, a tire was below the tread line and I was a few days late on turning it in. 

Tail light : I took pictures of the entire car inside and out and I sublimed the picture to them but they claimed the picture was inconclusive, bottom line taillight was not cracked. 

Tire : I replaced all 4 used tires before turning in I verified the tread before purchase and they were acceptable. 

Turn in Date : I turned in the vehicle on XXXX but Ally sais I turned a few days later than that. I have proof from the dealership that I did turn it in on the 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 monetary relief
Consumer complaint received 2023-07-15
Company: W&A Intermediate Co., LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone has fraudlently used my personal information to obtain services. I have been a victim of identity theft! I never have had any dealings with this company- Wakefield & Associates or the oringinal debtor ( XXXX XXXX XXXX XXXX ). I've tried to rectify this with the collection company but they keep giving me the run around. The debt is in the amount of {$1300.00} and it states that it was opened on! XXXX. Again, I have never had any dealings with either of the above mention companies. Nor have I given anyone permission to use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance - XXXX XXXX  XXXX Balance {$970.00} XXXX XXXX XXXXXXXX Balance {$1600.00} XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021.

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 2023-11-03
Company: EdFinancial Services
State: MA
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:
I made a payment to my account on XX/XX/XXXX in the amount of {$6000.00}. Part of the payment was applied to one of the sub loans as a credit/overpayment in the amount of {$2700.00}. 
I need this credit to be applied to the other sub loans on this account. I've called many times starting XX/XX/XXXX and was told it would be taken care of but it's now been over 2 1/2 months since I made the payment. I also wrote a detailed email through the portal but received no response there either. 
The first person ( XXXX ) that I spoke to on XX/XX/XXXX stated it would be fixed in 20-25 days. After waiting that period the next person said XXXX filled out the wrong form and they would take care of it on XX/XX/XXXX. Each time I'm told the conversation would be recorded so they have the recordings to listen to and confirm. Today ( XX/XX/23 ) my Dad spoke with XXXX (? ) she started by saying she could issue an emergency refund but it is processed through the Department of Education so she she couldn't say how long it would take. He requested it be applied to the other sub loan and she said that balance was only XXXX. Roughly the difference between the overpayment sub-loan and the subloan with a balance. She told him several times that she couldn't provide him with any proof of this and also could not put him through to a supervisor. Again there is a complete recording of this on file.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  has been reporting a charged off account on my credit report when this debt is showing {$650.00}. They charged this debt off & never sent a 1099-C form & by law anything over {$600.00} that form is supposed to be sent & I would have to file an amendment on my tax return due to understated income. Ive been questioning the validity of this account for some years now & it all makes sense why I never got one. XXXX XXXX XXXX  updated my address through a CFPB complaint which makes me question the name as well as address that was used to apply for this account. They still have not verified this information after Ive asked them to, anyone can open a credit card account in your name if they have access to your social security number. Not only is this account not a charge off, they have defamed my character by insisting that this account belongs to me when they cant even verify the name & address at the time the account was opened

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 2023-07-30
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

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 2022-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  has been reporting a charged off account on my credit report when this debt is showing {$650.00}. They charged this debt off & never sent a 1099-C form & by law anything over {$600.00} that form is supposed to be sent & I would have to file an amendment on my tax return due to understated income. Ive been questioning the validity of this account for some years now & it all makes sense why I never got one. XXXX XXXX XXXX  updated my address through a CFPB complaint which makes me question the name as well as address that was used to apply for this account. They still have not verified this information after Ive asked them to, anyone can open a credit card account in your name if they have access to your social security number. Not only is this account not a charge off, they have defamed my character by insisting that this account belongs to me when they cant even verify the name & address at the time the account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2018 this company Professional Bureau of credit of collections of Maryland applied collections to the credit bureau for an auto loan from several years ago. I called them to notify them that the original vendor XXXX is currently reporting on my credit for this and their placing me in double jeopardy and its resulting in monetary loss. I understand my past and I am paying for it with rebuilding my credit and not taking the easy way out with a bankruptcy. But I also believe I should be treated fairly and these companies should follow the rules. When I contacted them on XX/XX/2018 at roughly XXXX they hung up on me rudely while I politely let them know of their error. All on a recorded line. I would like to have this illegal parking of this debt with no notification or anything removed from my credit report immediately. I made a mistake in the past, had a XXXX and lost everything, doesn't mean I shouldn't be treated fairly, legally and equally. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

**Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : Specific details about the transaction or experience that shouldn't be part of the report XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 this creditor has violated my rights according to Act 15 U.S.C 1681 section 602 states I have the right to privacy. 15USC 1681 section 1604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under any open consumer credit plan as late for any reason. 

Agents at TransUnion XXXX XXXX All have accounts that are open that are consider late. I have disputed several items and been lied to and told it can not be removed while they are breaking the law Late payments on XXXX XXXX account number XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Department of education XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Ive been told that I can not remove inaccurate information including names address and phone numbers My Identifying information is not correct 1 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX XXXX phone number XXXX Inquiries could not be removed form Even though I let it be known that the inquiries were fraudulent The only inquiries I should have are only tied to open accounts

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: EQUIFAX, INC.
State: MI
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:
For months now Ive been trying to get information and asked them to investigate this collection ( ( National credit Bureau ) ) on all 3 credit bureaus. 

The credit Bureaus told me that all the information was verified but with XXXX XXXX dates were wrong from the beginning and also much different with different addresses. Also the last date updated on all 3 bureaus are inaccurate, last date accurate not reported. 

They also violate my rights under 15 U.S.C 1681 section 604 A The law is stated that a consumer reporting agency cant be furnish a account without my written instructions I havent given those accounts written permission to furnish that account on my credit report as well I started this with CFPB for investigation on XX/XX/2023. 
It hasnt been updated since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Information belongs to someone else

Complaint:
I have been trying to get my credit report fixed since XX/XX/22 because my identity has been stolen and I need this info removed immediately. This has been ongoing and after several attempts to get my information corrected it has not been fixed. 

XXXX. XXXX XXXX XXXX inquiries must be removed immediately this account was fraudulently opened under my name. 

XXXX. XXXX inquiries also needs removed XXXX. XXXX XXXX XXXX, XXXX, are also fraudulent XXXX. XXXX XXXX on TransUnion are not mine XXXX. Telephone numbers XXXX, XXXX are not mine

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 2017-07-17
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice that this company will no longer be pursuing this account, because they are not able to verify the " debt '' but it it still showing on my credit reports.

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