BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Messerli & Kramer P.A.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company is threatening to garnish my wage for a invalid debt that is also showing it is time Bared according to the North Dakota Statute of limitations. Collection of Debt on Account 6 yrs. XX/XX/XXXX ( 2 ) which their bogus verification page shows payment due date of XX/XX/2014 which would be past the statute of limitations anyways. I have sent them letters by certified mail stating to desist from further action and that I do not acknowledge the debt. They said I could do nothing to stop the garnishment. Their charges changed on debt collection notices they sent. From XXXX to XXXX with the verification showing different amounts from XXXX to just the XXXX with bogus charge off principals and finance charges. They are trying scare tactics on me when I am just getting ready to have a XXXX XXXX and are attempting to take advantage of 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 2021-07-17
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : 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 2019-05-15
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
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:
Spoke with XXXX at Bsi financial on multiple occasions about credit reporting and my payments being reported as late when they were on time when XXXX reported that it would be reported correctly when my modification was finalized. After my modification was finalized and payments were made on time I made multiple calls to get this fixed. To no resolution. Even after modification was finalized they continued to report my payments as not on time and have failed to correct that within a timely fashion. I have been dealing with this issue on both end since XX/XX/2018. I have never received a written response and received maybe two phone calls in reference to this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: MI
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:
I routinely my credit report via XXXX. During a check on XX/XX/2019, I noted a change on my Equifax report indicating a hard credit inquiry. This inquiry was named as XXXX XXXX XXXX XXXX , XXXX and was also dated XX/XX/2019. Only my Equifax report seemed to show this inquiry - no other credit reporting agencies show this inquiry. I did not authorize XXXX XXXX XXXX to run a credit check. I am not currently an XXXX XXXX XXXX customer, nor have I ever been. I do not intend to be an XXXX XXXX XXXX customer and did not seek any inquiry on their products or services and did not provide my personal information to facilitate this. This credit inquiry was obviously in error. 
My first course of action was to file a dispute with Equifax. I filed this dispute online ( Complaint No XXXX / Confirmation number XXXX ). I received notification that the dispute was completed on XX/XX/2019. As I was unable to access this report online, I called customer service on XX/XX/2019. I was told Equifax would not remove the hard inquiry as it was a " factual report, '' and that if I believed the inquiry was in error or fraudulent, I should contact the company directly. 
As a result, I contacted XXXX XXXX XXXX on XX/XX/2019. I had extreme difficulty finding a representative that even understood my problem and spoke with at least four different individuals at three different numbers and received no help. Through some diligent online searching, I came across an online portal for filing billing and credit disputes with XXXX, an XXXX XXXX XXXX company. I completed this online form and provided my personal information as requested on XX/XX/2019. No confirmation was provided of the submission. 
As of this date, XX/XX/2019, I have not been contacted by XXXX XXXX XXXX to address this complaint and this hard credit inquiry still shows on my Equifax credit report. It is deeply troubling that not only can this sort of inquiry erroneously be applied to an individual 's credit report, but that there is no recourse or responsibility taken by the companies involved. I'm very dissatisfied with my experience with both Equifax and XXXX XXXX XXXX in both the error and the lack of correction. I'm unsure whether there is any accountability for them and wish this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 certified letters were mailed to CCS Services XXXX XXXX XXXX Ma XXXX in regards to : Account # XXXX Consumer Protection MGL Chapter XXXX  Demand letter was mailed XX/XX/2020 and received ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Request for Validation of Debt letter was mailed XX/XX/2020 ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Consumer Protection MGL Chapter XXXX  Demand letter was mailed XX/XX/2020 and received ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX XXXX Request for Validation of Debt letter was mailed XX/XX/2020 ( Certified Receipt letter XXXX XXXX XXXX XXXX XXXX ) On those letter Chapter XXXX gives CCS the opportunity to make a good-faith response within 30days. It has been more than 30Days and they have refused to validate my debt or remove this account from Collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: TX
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 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-08-03
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
received a notification from XXXX XXXX XX/XX/20, XXXX  XXXX XX/XX/20 and XXXX that my credit score has decreased due to Mr. Cooper a.k.a Nationstar has put a negative comment on my credit file and it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bank, XXXX/XXXX, pulled a credit report from XXXX. On it were records from the three known agencies ( XXXX, XXXX, and XXXX ), which I monitor faithfully. It also included, however, a report from Lexis/Nexis ( I had no idea they were in this business. It contained incorrect public information ( a tax lien ) which I had removed from the other three sites. Lexis/Nexis provides no way to get your report online, nor to challenge online. It is all done via phone and mail, and the process is very opaque. You need to click through several screens to even get to some semblance of help. My bank is trying, with XXXX, to fix the problem. For consumers this is a nightmare. My guess is that 99.9 % of consumers have no idea that there are other " agencies '' reporting and monitoring their credit. 

I contacted Lexis/Nexis on XX/XX/19. The resolution will take up to 30 days and I had to push to get them to explain their process. I also sent them the page from my county collector ( XXXX County, IL ) to verify that there is no public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1000.00} XXXX {$0.00} XXXX XXXX {$370.00} XXXX {$0.00} XXXX XXXX {$860.00} XXXX {$1300.00} XXXX XXXX {$11000.00} XXXX {$230.00} XXXX XXXX {$12000.00} XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXXXXXX {$560.00} XXXX  XXXX {$630.00} XXXX XXXXXXXX {$330.00}

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 non-monetary relief
Consumer complaint received 2017-12-07
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: GreenSky, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We purchased a credit line from a home services provider in the summer of XX/XX/XXXX. We've been paying a monthly payment on the loan for almost 1-year. On the morning of Friday, XX/XX/XXXX, I received a phone call from GreenSky Credit & I immediately knew it was time to make a payment on the account. I thanked them for the reminder and made a note to pay it when I went to the office. 

1-hour later I received a " payment confirmation '' that a payment for {$180.00} was made on my behalf, without my authorization or submission of any kind. I immediately went to their website and cancelled the payment. I called them directly & they claimed that bc I cancelled the payment they could not tell what had been done on their end. I informed them that none of that mattered that it was illegal for them AS AN ORGANIZATION to authorize a payment on anyones behalf w/o authorization. If the phone call was recorded then they will know that no one authorized a payment. 

I went ahead and filed complaints w/ the BBB & CFPB. I have both emails as proof that an unauthorized payment was made & then I cancelled it. I went ahead and paid the account in full because I NEVER want to do business w/ a company who steals from it's own customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a loan with another company the interest was high over 25 % I wanted to find a better offer, I applied on XXXX I was approved for a loan with 1st investors finance, I had originally applied for a monthly payment of {$440.00} after I went through all the steps online I was asked only to print a registration transfer and mail it in. So I did. In XX/XX/2019 my loan amount shows {$600.00} monthly I called XXXX and 1st investors more then 100 times with emails to complain this is not the loan I wanted. I advised them why would I accept something worse then what I originally had. Every time I am to blame by XXXX even on their website no information was provided about this new loan. They told me they have a glitch on their system I told them they sure do because I did not ask for this loan of XXXX monthly. I have an illness a life XXXX XXXX that I can not afford payments of this amount and would never signed or agreed on such. I just want out of this loan this scam. After XXXX months they send me a truth and disclosure notice I have never seen before.

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 2021-08-16
Company: Navient Solutions, LLC.
State: IL
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:
This compliant is not about my current student loan servicer, but about Navient regarding refinancing my student loans. While the information on the sheet is accurate and has a disclosure at the bottom of the letter, the issue is whether borrowers may not understand or realize the problems they could face refinancing their federal student loans with their private student loans. Further, the correspondence offers borrowers Prescreen & OPT -OUT- Notice by calling XXXX, but in order to opt-out borrower must provide their full SS # 's. If this letter is not from Navient, we could have a lot of harm borrowers with stolen credit information on our hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Simon's Agency, 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: Account information incorrect

Complaint:
The medical practitioner at XXXX XXXX XXXX in New Jersey overcharged me for basic services. I paid in full at the time of visit. I never agreed to additional charges or services after the visit. 

They then tried to bill me an additional XXXX after I already paid them. 

I only received a basic physical with no blood work or extensive services. It was a 10 minute visit. 

They were not transparent that a basic office visit would cost XXXX dollars. This is what is wrong with health care in America. 

XXXX made no effort to provide evidence or help when I reported the issue. All of the other credit bureaus removed it along time ago. 

Simons Agency , Inc is the debt collection agency assigned to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Got a XXXX  XXXX XXXX bill in the mail stating I owe {$290.00} from XXXX XXXX XXXX XXXX service date XX/XX/2020 and I never had a bill in my name ever and never lived here or know who lives/lived at this address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My daughter XXXX XXXX was in XXXX where she applied for a student loan and she forged my signature as co-signer. When I found out about it I called the lender and told them I never co-signed for the loan. XXXX got on the phone with them and confirmed that I never co-signed for the loan. Then in XX/XX/XXXX I was notified that the loan was in arrears. I called them and said I thought they had deleted my name from the loan after hearing from me and XX/XX/XXXX that I never co-signed for the loan. They told me to get a police report. I did. I sent them the police report. Still they did nothing about it. Now the loan is 2 months in arrears and my credit rating has dropped over 100 points. I want to be removed from this loan. I never signed for it and I notified the company accordingly. The borrower also notified the company. I want justice. I should not be penalized for a loan I never had anything to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the request that I sent to XXXX and Trans Union on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.

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 2020-10-20
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: AL
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 have previously disputed these account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, Here are the accounts that I'm talking about : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX 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 non-monetary relief