BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: ENCORE CAPITAL GROUP 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:
The CFPB found that Encore ( Midland Funding LLC. ) attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Midland is to ensure accuracy when filing lawsuits. They can not file lawsuits to enforce debts unless they have specific documents and information show information the debt is accurate and enforcable. My rights under the Fair Debt Reeporting Act are being violated not only because this account does not belong to me and is being reported on my credit report, but I am now also being wrongly sued. I received a letter to contact you that was dated XX/XX/XXXX. You filed papers to sue me XX/XX/XXXX. You do n't just decide to sue someone in 2 days. It was already your intention to do so. I sent a dispute to the 3 credit bureaus informing them this account was not mine and requested Midland provide VALIDATION of this account. I have yet to receive anything. Per this court petition I am being sued for " breach of contract ''. I am demanding a copy of this contract with my signature, between myself and MIDLAND FUNDING LLC. It needs to show the original date of delinquency, the agreement that grants you the authority to collect on this alleged debt, what you paid for this account, and how you calculated the amount owed. Failure to comply will result in a private civil action torecover damages against your company. I will be contacting the FTC, BBB, and the appropriate county, state, and federal authorities, including the Attorney General 's office. My state of Texas currently has a lawsuit against you now for these exact frivolous and unfounded lawsuits against people like me. You need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, Hurricane Irma damaged my town, in Southwest Florida. It resulted in me losing my job. I was unemployed a few months. I fell behind. They allowed me to do a repayment plan. They waited for 3 months after the disaster to report payment history on customers ( XX/XX/XXXX ). From that point forward they reported me late at 120+ days even though I was paying. My issue isn't that though! I was grateful for this assistance. My issue is that I am now paid up to date and they said they will not report it to the credit bureau because I am in a disaster zone. Well, that " benefit '' has been lifted for over 6 months now! They reported me badly all during those repayment months and now that I am completely up to date ( I have XX/XX/XXXX paid as well ), they will not report me current. It shows I haven't paid since XX/XX/XXXX. The disaster excuse is completely an excuse and a lie. When I review the payment history on their website, they take my payments and put them in an " Unapplied Funds '' account. I keep asking that they to not do that, and to pay my mortgage. They claim they are considering it payment for mortgage. There is a major clerical error going on and it's not only hurting me, it's hurting my mother 's credit who co-signed for my mortgage. She is moving into a community that does credit checks. Her credit is in the 500 's because of this! Why are they punishing hurricane victims this way? I made no claims against my insurance policy. I never have! Not reporting on bad credit scenarios is one thing. But those hat are paying should not be punished this way! I am very concerned that if they have this many errors going on, I will likely be file lis pendens upon, and be in a foreclosure status soon.

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 2018-07-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX and graduated with a worthless bachelor degree that I have yet to use. As a matter of fact I had to return to college and pay out of pocket for a majority because my student loans were maxed out from XXXX University. This worthless degree cost close to seventy thousand dollars ( with interest ) and up until I returned to college to obtain my XXXX  I was not making anywhere near the amount that they wanted me to pay back for my loans. I barely had gas money let alone close to {$600.00} a month to pay back a loan for a degree that I can't even use. Any employer that I went to would laugh when I told them where I went to school and then proceeded to tell me that I was not qualified for the position. 

Now every month I receive a bill from Navient to repay my student loan. I am making {$300.00} a month payments and will be paying that for a good portion of the rest of my adult life. Apparently there was a law suit that I was not aware of charging XXXX with over charging students for worthless degrees. I have contacted the XXXX IA campus in the past to get nowhere. I even went to the campus to sell them back the books and they told me the books were worthless and that those books aren't even used in their curriculum. I was so proud of all the hard work that I had put into that degree only to get laughed at every time I applied for a job. Please do something about this fraudulent company who cares nothing about the students that have attended only about lining their own pockets. I am now $ XXXX in student loan debt. This reflects negatively every time I try to make a purchase. Its hard to get a credit card, buy a car, buy a house or even manage the finances with this much worthless debt hanging over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: SC
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:
Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :

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 2018-04-04
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Im on a rate reduction program with Navient and you have to reapply every year based on your income. My income has dropped to half and I just had a baby. So they told me that didnt matter and I didnt qualify. How does your income drop in half an have a baby dont qualify. What is the point of asking me about my income if they are not willing to help me. They are not willing to help me. Is there other options like income based options? I literally was offered no help and when I call I get a different answer every time. This company is terrible to work with. Do you know of other companies that I can go with or help with this??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems is reporting incorrect information because this is NOT my account. I asked them to validate the account under a previous CFPB complaint and they sent me a number of bills on behalf of XXXX that has an address I did not reside at with the incorrect spelling of what I assume supposed to be my name. The bill reflects a XXXX XXXX, NOT ME. I spoke to XXXX and advised this was not my debt and the woman from the XXXX Executive Office hinted at me creating multiple accounts with them and told me that it was NOT fraud so it wouldn't be reported as that. She furthermore, advised she was going to speak with her finance manager and NEVER called me back. 

What was your Method of Verification IC Systems? I am needing to know : - The person 's name they verified the dispute with. 
- The documentation used to verify the dispute

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 2020-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously complained about XXXX XXXX XXXX and their client XXXX XXXX. Fortunately, XXXX XXXX XXXX  have removed from other bureaus except Experian. 

XXXXXXXX XXXX finally admitted to the XXXX ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX ( XXXX ) vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday [ XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. 

I spoke to XXXX at XXXX XXXXXXXX XXXX and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. 

XXXX also advised that Experian had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that Experian was NOT doing their part in protecting the consumer and attending to my concerns. 

Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

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 2022-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX. XXXX : - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$870.00} XXXX XXXX XX/XX/2022

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 2021-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX Equifax : XXXX  XXXX  : XXXX>XXXX< XXXX  : XXXX><><. XXXX XXXX Equifax : XXXX  : >XXXX<XXXX XXXX  : XXXX  : >XXXX<XXXX : XXXX. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX  .XXXX XXXX XXXX/XXXX  Equifax : XXXX, XXXX/XXXX Equifax : XXXX  XXXX  : XXXX XXXX : XXXX, XXXX/XXXX XXXX XXXX : XXXX  : XXXX  : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit reporting agencies are reporting false information on my credit report and is hindering me from obtaining a auto loan, I need help. I really need a car to bet t work. I sent them a letter on XX/XX/2021 and I have gotten no response or correspondence

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 2020-05-18
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed a Macys account was opened fraudulently on XX/XX/XXXX, I disputed this account with Macys directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ XXXX XXXX. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Kriya Capital, 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:
I abhor this! I have already spent a significant amount of time emailing disputes and filing complaints, but I have yet to see any outcomes from my disputes. This is causing me significant pain and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home and my old company said I was short 1 payment. I was not and I have spoken to them and emailed them proof that we were not late. I have also sent them a certified letter explaining that we were not late. I received a letter back saying we had to send it to a different address which we did. They sent us back our impound account but not the extra payment. We have proof that all payment were made in a timely matter and they owe us over {$2000.00} as a refund. They are not responding and we want the money they owe us NOW. It has been over 60 days since the new loan closed. 
I appreciate your help in this important matter.

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 2020-07-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your companies. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

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 2018-05-21
Company: RoundPoint Mortgage Servicing LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I noticed my homeowner 's insurance had not been paid by my escrow account at RoundPoint even though the insurance bill was due on XX/XX/XXXX. I called the company to remind them to pay the bill. A customer service agent said they would send it out the next day. Seeing it deducted from my escrow account on XX/XX/XXXX, I assumed it went out. Later the next week, I received a letter from RoundPoint stating I had no evidence of insurance and that I might be given another insurance policy at a higher price through them. I called to inquire and they said the letter was sent " in error. '' I've had the same insurance policy the entire time of the mortgage. There should be no confusion on when bills are due or where money is to be sent. On this last call, they said the check was sent out in a bulk check on the XX/XX/XXXX( not the XX/XX/XXXX that they originally said ). As of XX/XX/XXXX, the insurance company still has not received the check and my policy is being cancelled due to nonpayment.

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 2020-07-05
Company: Nelnet, Inc.
State: NY
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:
A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation. 

2.

Nelnet list 2 separate account even though I have 1 account and make one payment because loan transferred to Nelnet XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project.

Paying Hotel expenses and mortgate. 
with tototal 30 month rental assistance.

Company response to consumer: Closed with explanation