BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A non family member was contacted regarding a collection account by this company on XX/XX/20. I called and spoke to XXXX. XXXX confirmed my address. If they have my address they should not be contacting people to locate me. XXXX Told me that I owed XXXX hospital $ XXXX. I explained that I have insurance and my copay is {$100.00} so that bill is not correct. XXXX told me that is what XXXX is reporting and I owe today and it is going to affect my credit if it is not paid. I said I am not going to pay a bill that I do not feel is correct text. She hung up on me without any instruction how to proceed. Did not inform me of any rights or recordings of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I called into the agency to dispute fraudulent inquires on my report. My purse was lost with my information inside and I made a police report and sent it into Equifax along with the other 2 credit agencies. I got a notification from XXXX that my information as listed on the black market this morning XX/XX/XXXX. 

I called equifax and they said they can not dispute the inquires even after me providing my police report. This is against the law. 

I contacted each company, who conducted the inquiry and asked them to remove their credit inquiries from my credit profile. They have no information for me and have no records of these inquiries. 

I have attached my police report as well. Please remove the unauthorized inquires XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Dba XXXX   Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31
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:
These are not my 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 2018-09-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
XXXX has me locked out of their online dispute system to upload supporting documents to my complaint. On XX/XX/2018 I received an alert detecting there were changes in XX/XX/2018 from a certain banking provider. Navy Federal CU removed a good standing account and reported derogatory information left unresolved by Navy FCU fraud team in Virginia. 

I received another alert on XX/XX/2018 that my name was updated. I contacted XXXX and the call was routed outside of the United States to a Country whereas English is not their primary language in which the individual could not comprehend my dispute regarding other items I noticed decreasing my score without reading from a script. 

XXXX has me locked out of their online dispute system to upload supporting documents to my complaint. My credit score decreased 63 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had just finished my XXXX XXXX Degree and decided to consolidate my student loans so that I could qualify for the Public Service deferrment. I completed all of the paperwork and was given a letter from Nelnet stating the terms. The terms were not what I was expecting so I called them within the 10 day window prior to consolidation and spoke with a cheerful representative. I told her that I had signed up for the REPAYE program and was initially given a much lower dollar amount and she confirmed all of this. Told me what the payment amount should be ( which is what I was expecting ) and when my first payment was due. When the first payment date was a week away ( according to the info provided to me by the rep ) I called because I had not received any information on where to send my payment. I finally connected with a supervisor who told me that since I had a parent plus loan I did not qualify for the plan that I had requested and that I was given bad information from the initial rep and that there was nothing they could do to help me as they had already consolidated the loans. Now I am looking at really struggling as these new payments are on the worst income contingent plan without a cap at an amount that I will not be able to comfortably make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX XXXX in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two separate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked the debt collector representative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been received. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not receive anything in mail after a week I called the debt collector and asked them why I had not received anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Deceptive Acts of Practice which was very misleading for me and an very unnecessary process to do the things that I need to do.

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 2018-09-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX on XXXX 30 days late as of XX/XX/XXXX on XXXX and XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-20
Company: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collection agency is attempting to collect a debt that is not mine and I do no owe. I have sent three written requests for documentation verifying the details of the debt, yet no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: ERC
State: KY
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 have a collection from the Enhanced Recovery Corp with XXXX XXXX XXXX. I have paid the debt to {$0.00} balance and it is marked as closed but I was told it would be removed from my credit report. Thank you for the awesome work you all do!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX A full short sale package was faxed to SPS on XX/XX/17. Week after week SPSs underwriting dept claims something is missing, even though the short sale was started almost 2 months ago. They are refusing to do a complete review of the file and give a complete list of items missing at the beginning of this transaction. Instead they piece-meal it out and claim something different is missing each week. They ignore the documents we have already sent, even though their front-end dept can see it clear as day. They ask for proprietary items that do not exist online. They make up requests that have nothing to do with this borrowers situation. 

Clearly, SPS doesnt have enough employees, and they are doing anything they can to reduce their workload. SPS has too many files, too few employees, and they are simply not able to service their files appropriately. This is happening on all of our files with SPS recently -- It is also happening on XXXX XXXX for homeowner XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: SLM CORPORATION
State: MN
Product: Credit reporting, credit repair services, 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:
Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX. program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to navient the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 have a couple old accounts on my credit report from CapitalOne. I recently noticed that one of the accounts was still showing a balance owed, and the account was being reported as derogatory. I contacted CapitalOne and filed a dispute for the information being incorrect because that account had been settled. After they investigated it they did find that the account was settled and was being reported incorrectly. I just looked at my credit report again today and now there are two other CapitalOne accounts showing on my report as derogatory even though they have been settled as well. This should be illegal to falsely report incorrect information on someone's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, 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:
Equifax is allowing the collection account, XXXX XXXX XXXX, Original Creditor XXXX XXXX  XXXX XXXX, to be re-aged to look more recent and therefore stay on my credit report longer than it is supposed to. 
My Equifax credit report says the account XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX {$1600.00} was opened XX/XX/XXXX. 
Enclosed are 3 collection letters from when the account first became delinquent in XXXX of XXXX. This account was never brought to current. .I have enclosed monthly statements from the original creditor XXXX showing delinquency as far back as XX/XX/XXXX and remaining delinquent. I have disputed this account with Equifax before and they always say it's accurate. It is older than being reported and is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Experian Information Solutions 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:
I recently went online online to open a social security account, and they asked questions based on my credit past, to verify my identity. The questions asked didn't pertain to me. They asked about loans taken out in 2014, and a store credit card opened in 2014. In 2014, I was not old enough to open any credit cards, or get a loan. Then I went to a credit report site to see if I could order my credit report and look at the issues. The credit report site wanted me to do the same thing, answer questions based on my credit past. I couldn't answer these questions, based on the fact that I should have no credit past, and the questions did not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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:
I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, XXXX and equifax to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX, My identity was used to purchase a XXXX XXXX XXXX cell phone at a XXXX in XXXX michigan.I called XXXX XXXX XXXX fraud department and they confirmed it was fraud and immediately closed the account.This unauthorized account is on my credit reports and I like it removed immediately

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 2018-09-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or around XXXX of 2018 I received a phone call from someone stating they worked for a law office and I was being sued for an old overdrawn bank account if I didn't make immediate payment. I asked for proof of the debt and was told that it was past of the point where I was owed any proof, either to pay or I was going to be served with a subpoena at work. I told them I wouldn't pay anything without proof and blocked the phone number after being told again they wouldn't provide any proof. On XX/XX/18 someone stating their name was XXXX XXXX and working for XXXX contacted a co worker of mine and told them that I was being sued for an old debt and asked that I call them back at XXXX. The message was passed along to me and I called back. I spoke to someone named XXXX XXXX at extension XXXX who told me that XXXX was the company they use to serve court paperwork and he didn't know who XXXX XXXX was. He told me that I owed {$640.00} dollars for an old Huntington Bank account and if I didn't pay it that day I would be served with court paperwork and sued for a larger amount. He stated that he worked for XXXX XXXX in Washington State and his company was attempting to collect the debt of behalf of XXXX XXXX XXXX in XXXX XXXX, CA. I asked for proof of the debt and he stated he would email me documents but it was all pdf documents and it took him a while to send. It seemed as if he or his " company '' were creating the documents as I was on hold. He did ended up sending them to me and I paid the {$640.00} on my credit card to avoid the possibility of being sued or having my accounts frozen which I was told would happen. I believe strongly that this was fraud and also received a fraud alert on my credit card which I was told I had to remove in order to allow the transaction to go through. 

I was also given a docket number on which the case was supposedly to be tried. The docket number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Trident Asset Management, L.L.C.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not aware of this account or whom the original creditor was. I have attempted to dispute it with the credit bureaus and it keeps coming back as " validated. '' This company has never responded directly to my requests for verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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