BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Professional Bureau of Collections of Maryland contacted my  husband and tried very hard to convince him that this was my student loan debt. My husband knows we are timely with all of our payments and did not believe them and told them I would call them back. When I called them back, they could not verify the account number given to my husband, they could only verify his phone number called ( red flag # 1 ). I explained to the lady that this was not my loan as I consolidated years ago, she proceeded to tell me that loans fall through the cracks and I needed to pay ( red flag # 2 ). I told her flat out this is not my loan and that she is committing fraud. She asked me to verify my social, I refused, she gave me my social ( red flag # 3 ), she asked me to verify my address, I refused, she verified my address ( red flag # 4 ). I asked her for proof that this loan was mine, she asked me for my email and I refused. I told her she has my address she can mail it to me. This has caused me so much stress. I thought this would be the end of the situation, but on XX/XX/XXXX, I received a collections letter ( in my maiden name ) stating an account balance of {$9900.00} with the Original Creditor as XXXX XXXX XXXX. I have never banked with XXXX XXXX XXXX or pulled loans from them. This debt is not mine, I regularly check my credit report and have never seen this debt. I also confirmed by checking the National Student Loan database and it is not listed. I receive numerous calls daily, which I do not answer, please help resolve this fraudulent debt and have them stop harassing me and my husband. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Prior to XXXX XXXX announcement, TransUnion had a link to freeze their credit easily. After XXXX/XXXX/XXXX, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.

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 2017-07-14
Company: Altisource Portfolio Solutions, S.à r.l.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started getting calls from debt collectors stating that I owed money for various credit cards. The credit cards were from XXXX, XXXX XXXX, XXXX, and XXXX. I was extremely confused but they threatened that if I did not pay the debt then it would ruin my credit score. Of course, out of fright, I decided to start making payments on these large bills. Most of the bills were over {$1000.00}. So i tried to settle the accounts as much as I could. Upon moving across the country, I did n't have a job, so the debt collectors called me again and threatened that I had to pay and if i did n't then all of my payments that I made previously would not even matter. They would hand the account off to another debt collecting company and I 'd have to start all over. I am at my wits end. I have tried to pay but this debt was not mine to begin with. Around 2012, I dealt with identity theft and had to switch banks and take several steps to make sure my money was protected. Now, I 'm dealing with it all over again. My credit score is in the pits and I can not take out any loans for school or otherwise.

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 2018-01-02
Company: Navient Solutions, LLC.
State: IN
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:
The account has been paid by Navient /Department of Education listed on website and my account Number says I have XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: MD
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.Based on,15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Opened   XX/XX/XXXX    ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  XXXX   XXXX   XXXX   XXXX   XXXX  has submitted false information on my credit report. The collection agencies has bought an account that was already selected and  discharged  in  XXXX . In addition the agency has supplied  Transuion  a false date of   XX/XX/XXXX   which is illegal by law. This debt date is not correct and I 'm not responsible for the debt!

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 2021-05-19
Company: EQUIFAX, 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:
I have disputed this acct numerous times. I have received a letter from the company saying it will be removed from my credit report and it still has not. The letter is attached. 
I sent the bureaus the attached letter more than 30days ago on XX/XX/2021 along with dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: AES/PHEAA
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 pay most bills directly through my checking account. I 've never had an issue until now. I had a scheduled payment of {$340.00} for my school loan with FedLoan. According to my checking account on XX/XX/XXXX {$340.00} was taken out by the Dept of Ed. XX/XX/XXXX I received an email from FedLoans stating that my account was past due. I called customer service the same day and informed them of the error. I was told that no payment shows up on their end and I should check with my bank. When I contacted my bank they were able to see that the money was taken out and is sitting with FedLoan 's bill pay company XXXX. My bank tried to schedule a 3 way call with me, the bank and XXXX. XXXX refused to speak on the recorded line. My bank advised me to to call my lender again and explain to them what 's going on with XXXX. My bank even opened a case and had an incident number ready. XX/XX/XXXX I called FedLoan again but the customer service rep did n't have much to offer regarding XXXX. She simply said email or fax proof to FedLoan that {$340.00} had been taken from my checking account. She also told me I should sign up for automatic payments. NEVER! ( I had done this before with FedLoans and had gotten screwed when {$600.00} was taken out by accident. ) That same day I emailed and faxed my bank statement. In the meantime my bank encouraged me to make another payment ( using another method ) to FedLoan since I was in a late status. On XX/XX/XXXX I made a payment directly on the FedLoan website. This morning I received an email notification from FedLoan. When I logged into my account there was a letter dated XX/XX/XXXX stating that my XX/XX/XXXX payment was still past due! Mind you, the payment I made on XX/XX/XXXX is reflected on my FedLoan account online. As of right now no one from  FedLoan has responded to me or my bank and someone still has my {$340.00}. To add insult to injury I also read a letter on my FedLoan account about my employment certification for the Public Service Loan Forgiveness program. They are still giving me the wrong start date. The whole situation stresses me out. I work hard to pay my bills on time and keep my credit in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: The Outsource Group, Inc
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is my third time submitting this dispute. 
COMPLAINT # XXXX COMPANY STATED THEY COULD NOT VERIFY MY IDENTITY, PROVIDED MY LAST 4 OF SOCIAL AND FULL NAME TO COMPLAINT # XXXX. MEDICREDIT INC IS REPORTING ON MY CREDIT A TOTAL {$1900.00}. i HAVE NEVER RECEIVED A BILL IN THIS AMOUNT OR ANY NOTIFICATION THAT I OWED SUCH AMOUNT. I HAVE WRITTEN THE COMPANY TO REQUEST PROOF OF DEBT WITH NO RESPONSE. 

I have attached what they are reporting on my credit.

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 2019-06-11
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX  - partial account number XXXX. ( Please see the pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-02-10
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: Old information reappears or never goes away

Complaint:
Currently on my Equifax account there is a XXXX XXXX XXXXXXXX account that is reporting on my credit report. The account number for that XXXX XXXX XXXX account is XXXXThis account is more than 7 years and yet it is still reporting on my credit report. I am therefore asking Equifax to please delete this account from my credit report as its old and obsolete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the refinance process of my primary home FHA 30 year loan to a 20 year conventional loan with Freedom Mortgage on XX/XX/2021. Freedom Mortgage is my existing lender and has been my lender for almost five years. XXXX have been very responsive and provided information requested for the most part within 36 hours. I was out of town XX/XX/XXXX through XXXX. XXXX XXXX was the customer advocated assigned to my loan XX/XX/XXXX through XX/XX/XXXX. On the XXXX he told me everything was in order and I would hear from the scheduler around XX/XX/XXXX to select a closing date. 
On XX/XX/XXXX, XXXX XXXX emailed she had been assigned as my customer advocate and she began requesting information that had already been provide. I had a telephone conversation with XXXX on XX/XX/XXXX. She told me I needed to pay closing costs because I had a second mortgage on the house. I told her I did not and had never had a second mortgage. I asked her why the terms were changing. She did not provide response. On XXXX, XXXX I requested a status update. 

I called customer service and spoke to an escalation specialist on XXXX, XXXX. She listen to my run of the history and my expressed frustration regarding good information being provided. She told me my loan was being worked and hopefully it would close soon. On XX/XX/XXXX, I emailed the CEO requesting assistance and sharing my experience. 

On XX/XX/XXXX I was sent documents to extend my locked rate until XXXX XXXX. I inquired about the date as it was a little more than a week. I was told it was anticipated my loan would close. On XXXX XXXX I was sent documents to extend my locked in rate to XXXX XXXX. On XX/XX/XXXX, I was called by XXXX XXXX. Today, I was called by XXXX who informed although it was previously determine an appraisal was not needed ; one is now being ordered. So, my loan will not proceed to closing until after the appraisal. I asked why now is an appraisal needed? She said she would have someone else call me because that is something she can not discuss.

We are just about at the 90 day mark. Freedom Mortgage has moved my loan to different teams at least 3 if not 4 times. I believe it is for the purpose of stalling and delaying closing. Delaying my reducing the interest of the existing loan that they profit. Interest rates have increased since XXXX. It is for this reason I have continued. I am not being treated fair and equitably by Freedom Mortgage. I have try to work within their existing structure to resolve the issues and have not been able. I am seeking advocacy and assistance in getting my loan to closing promptly as timely would have been in 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 2022-10-04
Company: OneMain Finance Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ONEMAIN # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
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:
Equifax without my permission pursuant 15 USC 1681 ( B ) furnished information on my behalf. They also violate another federal laws stating They CAN NOT report/treat a payment on an open-ended credit plan as late for any reason per 15 USC 1666 ( B ). That is exactly what they did with 3 negatives reporting on this account : XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX of listed late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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 submitted multiple credit bureau disputes regarding Bank of America 's reporting of my credit card account. I declared Chapter XXXX bankruptcy in XX/XX/XXXX ( XXXX XX/XX/XXXX ), of which Bank of America was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how Bank of America is reporting my account : XXXX : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off XXXX : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : Chapter XXXX bankruptcy

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 2022-02-10
Company: Experian Information Solutions Inc.
State: VA
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:
Inaccurate information on my report Late Payments 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