BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: SC
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:
I recently ordered my Consumer reports and Experian and XXXX are reporting unauthorized collection accounts on my credit reports without my consent which is Identity theft. Im getting denied for loans and credit because of these unauthorized collection 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 2018-01-23
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I acquired the loan in XX/XX/XXXXto pay for grad school and have several concerns. First, I assumed because XXXX ( Now it has sold my loan several times to XXXX, now NelNet ) was under the PSLF ( Public Service Federal Loan Forgiveness ) at the time that if I committed to my education career without default for 10 years then I would be eligible for the Loan Forgiveness. However, recently I was denied because XXXX is no longer under the PSLF, although I have paid faithfully without default. I was so discouraged because I already had issues with how the payment plan was so skewed. For example, I have been paying on time ( monthly charges range from {$240.00} to {$330.00} ) since XXXX but yet have only paid {$2100.00} of the original loan of {$59000.00} in 10 years. This is outrageous! I feel trapped, cheated, and belittled. I have stayed with the companies because I was informed that I would be eligible for the Federal Loan Forgiveness Program because of my 10 years service in public education and should not move to another loan agency ( this move could " jeopardize '' my eligibility ). In addition, I 've paid {$29000.00} in interest but only roughly {$2000.00} to the principal. Please assist, these student loan companies that keep selling our loans with ridiculous interest, along with false advertisement that they qualify for the Federal Loan Forgiveness is unjust. Here are my request : 1 ) Please help me qualify for the PSLF since I was originally on the correct trajectory until XXXX blew it with the Federal Gov. but never informed me. 2 ) How can I get out of this ridiculous payment plan without being penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: WI
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 collection # XXXX was started by XXXX XXXX XXXX XXXX XXXX for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XX/XX/XXXX and provided a release from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' letterhead. Everything appeared to be fine until a derogatory report/collection action appeared on my Equifax credit report in XX/XX/XXXXof last year. I immediately disputed the report with both XXXX XXXX XXXX and Equifax. XXXX XXXX XXXX claims that I was removed from their collection and multiple Equifax representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to Equifax : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed XXXX XXXX XXXX to remove my name from the account and collection action. Ive attached that email sent XX/XX/XXXX. 2. XXXX XXXX XXXX complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated XX/XX/XXXX, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by XXXX XXXX XXXX. Please immediately remove the XXXX XXXX XXXX XXXX XXXX collection listing from my report. 

Thank You,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: WA
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 and Experian are reporting incorrectly a collection on the XXXX  XXXX XXXX   XXXX XXXX partial account number XXXX in the amount of {$4600.00}. ( Please see pages 36 and 37 of   the attached credit report. ) These student loans have long since been paid off. This incorrect reporting is harming my credit score and these line items need to be deleted from 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 2021-12-02
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Adjustment Bureau and XXXX XXXX are piling collections that I have tried to dispute directly and indirectly through the companies and XXXX for over two years. I was on XXXX at the time, then XXXX, and worked to get rid of the debt through the hospital that treated me ( XXXX XXXX XXXX ). I am requesting that these debts be completely relinquished from my current record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the middle of escrow and my {$3000.00} earnest money is at stake. My lender received my outstanding credit reports from XXXX and XXXX but not from Equifax. I contacted Equifax several times since XX/XX/XXXXto have my report unlocked in which I have never taken action to lock it. They informed me that my SSN # is not under my name. I advised them that IRS, my employers, and 2 others Credit Bureaus have my correct SSN #. 
I faxed Equifax copies of my identities in XX/XX/XXXX and XX/XX/XXXX. I also sent my informations via express mail on XX/XX/. 
As of todayXX/XX/XXXX Equifax still can not pull up any record under my name. 
Now I am losing {$600.00} for appraisal and inspection fee and about to decide to cancel the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been contacting Synchrony Bank since the beginning of XX/XX/XXXX ( see Attachment 1 ). I recently paid off my card with a {$1900.00} payment, then purchased a new item for {$840.00}. 

An initial response stated from XXXX XXXX stated on XX/XX/XXXX, " Your statement will print on or around the 21st of each month and your due date will be on the 14th of each month. Currently you will not have another payment due until XX/XX/XXXX. '' Since that time I have been seeking clarification to this answer through their website on multiple occasions ( see Attachment 2 ), and during this time I keep getting the same answer, " we were required to escalate your request to our corporate office for handling '' yet NEVER AN ANSWER from the corporate office in over 3 weeks. 

Now I am being fraudulently charged an interest charge of {$10.00} for a new purchase of {$840.00} when Synchrony clearly stated my first payment was n't due until XX/XX/XXXX ( see attachment 3 ).

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 all 3 credit bureaus as well as XXXX 7 times challenging the accurate, compliant, and factual reporting of these 3 accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,

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 2018-01-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My husband XXXX XXXX XXXX XXXX 2017 after this happened I sent the appropriate documentation to the loan office which is OneMain Financial used to be called Springleaf Financial I was then told that my husband had credit life insurance and then it would cover the remaining balance of the loan and I would be mailed the titles to the vehicles. However when I asked XXXX the branch manager XXXX in XXXX office he said that he could not give me any documentation he was rude to me gave me the run-around and told me I need to get a court order to get documentation all I wanted was to handle my husband 's affairs I feel like they were unprofessional did not answer my questions I would like his account investigated and looked upon because I am doubting the accuracy of the numbers since this this loan was just modified XXXX and I 've been making numerous payments I 've been and I 'm wondering why I can not get his file nor get answers I want to look into and if needed I would like corrective action taken to anyone who has been doing unethical things on behalf of my XXXX husband and if I 'm owed money or it needs to go to an account for a trust that I want it I want to be notified. 
I believe that there is money due back to the benefactor which would be me next to XXXX please look into this matter of the utmost importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX billed me for services I did n't authorize Since day one I asked for proof of authorization and I will gladly pay this off. All they have is an itemized bill that XXXX XXXX made up and sent to them. No signatures or anything on mybehalf. 

I spoke with XXXX XXXX today. She is a manager in the billing department and the one who has been handling my case. 
She let me know that as of today they only have an itemized bill. This has been the case since day one. 
She always states that they requested proof of authorization from XXXX XXXX office and they are still waiting for it. I asked if theres a timeline or deadline given to their office and she said no. 
So I am just supposed to allow this to remain on my credit for as long as they want to i guess. 

I called back and asked to speak to another manager. They connected me to XXXX XXXX on XX/XX/XXXX @ XXXX He provided me with a record of dates of when I called. ( listed Below ) He then said that I needed to write a written letter within 30 days of them receiving my file which was on XX/XX/XXXX to let them know I 'm contesting it. But if you look at the dates, I called 2 days after it was submitted to their office and no one let me know about this written protocol. 

I 've always been told by XXXX XXXX that once the Dr office can not prove authorization then all negative marks on my credit will be removed. 


XX/XX/XXXX Date claim received at Capital Accounts Calls by me to Capital accounts for updates and information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital Accounts XXXX ( XXXX ) XXXX XXXX XXXX XXXX Letters can be sent to : XXXX. XXXX XXXX XXXX TN XXXX XXXX Initial billed amount : {$2500.00} Current amount due : {$2700.00} Collection sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
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 paid a collections on my Equifax credit report on XX/XX/20 and the collections company notified all 3 collections company on XX/XX/20, all but Equifax removed the negative information. I have file 3 disputes and it is still showing on my report. I eve called the Collections company and they advised me again that they notified all the credit bureaus. Equifax claims they never received that information. Even after I filed the disputes. I filed 2 disputes in XXXX and XXXX in XXXX and still no resolution. I have called Equifax numerous times and no one seems to know what's going on. I called on XX/XX/XXXX and I checked my Equifax repot and in less than 24 hours my score dropped 31 points. I advised the company that I had the receipt of the payment and that all they needed to do is contact the agency to verify payment. This is very frustration because I am doing all the leg work and all I get is " I'm very sorry ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: ECMC GROUP, INC.
State: CA
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:
Amount balance : {$1000.00} Action taken : Garnishment and Rehabilitation Program.

I would like to lodge a complaint for breach of rehabilitation agreement. 

In XX/XX/2019, I filed a BK. On XX/XX/2019, I received an e mail from ECMC requesting to contact ECMC. On XX/XX/2019, the BK Chapter XXXX was granted by the court. On XX/XX/2019, Complainant responded denying that he received. Default notice and asking for loan forgiveness. On XX/XX/2019, ECMC send Complainant requesting to contact ECMC. On XX/XX/2019, Complainant received another email from ECMC requesting to contact ECMC. Because of Complainant 's desire for rehabilitation, Complainant paid ECMC the amount of {$50.00}. Despite payment made by Complainant, Complainant surprisingly received an e mail from ECMC on XX/XX/2019. Again, on XX/XX/2019, Complainant again received an e mail from ECMC. On XX/XX/2019, Complainant contacted ECMC. On XXXX, ECMC representative , XXXX XXXX and Complainant entered into a Rehabilitation in which ECMC agreed that Complainant will pay {$5.00} a month for 10 months. This will get off Complainant out of default. Complainant agreed that the {$5.00} will automatically deducted from his debit card each month. On XX/XX/2019, Complainant received an e mail from ECMC confirming the agreement and the payment of {$5.00}. On XX/XX/2019, Complainant received a Notice of Garnishment from the Treasury Department dated XX/XX/2019. On XX/XX/2019, Complainant received two letters from ECMC confirming the rehabilitation agreement and where the voluntary payment of {$5.00} should be made. Prior to the letter dated XX/XX/2019 a copy of which was received by Complainant on XX/XX/2019, Complainant did not receive or had not received a Notice of Garnishment from the Treasury Department. On XX/XX/2019, Complainant called ECMC and Complain about the garnishment and that the garnishment is improper because ECMC already agreed for the Rehabilitation program. The woman promised to call me after she had consulted with the Manager but she did not. On XXXX 2019, called again ECMC and talked to the Manager XXXX and complained about the garnishment. The Manager told me that he can not stop the garnishment. I explained to him that this not fair because I would be paying ECMC twice each month, from the garnishment and the Rehabilitation program. I told him that I can not afford to pay the loan outright or make a big payment each because I am already retired and my SSS pension of {$1100.00} a month is not even enough to meet my financial obligation and daily needs. But the Manager refused to budge in to stop the garnishment. Hence. this complaint. 

Sincerely, Mr. 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 2017-09-23
Company: Bread Financial Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Communications through the mail and phone calls from XXXX XXXX XXXX for Paypal Credit of  {$730.00} not owed by me. Contacted paypal who confirm no such debt. 

Latest letter datedXX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
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: Account information incorrect

Complaint:
Per my Equifax report it is reporting inaccurate information. Equifax also is not updating my information every month as it should. I have a XXXX XXXX auto loan on my Equifax report is shows no new data or reporting since XX/XX/2021 which is showing I have a reported balance of {$4500.00} which is inaccurate and affecting my credit score. Equifax also shows that I have XXXX late payments, and this is inaccurate and negatively affecting my payment history rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Convergent called the company my daughter works for in another state asking for my name. The called the company main line which is an XXXX # and we do share the same last name. So immediately those called were looked at as her taking personal calls directly through the company business line. They called 4 or 5 times, and after she told them to stop calling, they still called her company, which I am not affiliated with in any way. So my daughter is in trouble at work because these people were looking for me and kept calling. 

I called them back asked them how they even got her number, they said through skip tracing. I asked him why not contact me directly or send mail. He asked if I never received any mail from this cable company, and I have not. My number is the same as it was back in XX/XX/XXXX and they never called me. 

They told me the debt is on behalf of their client for cable service at my address from XX/XX/XXXX-XX/XX/XXXX, I did n't live at this address at that time. I 'm not sure if the original company is trying to put the previous tenants debt on me, but I was not living here until a year later and had no service from them. Actually I had no cable at all. They said the debt was {$1000.00} but its now {$36.00}.

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 explanation
Consumer complaint received 2018-01-23
Company: GREAT LAKES
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:
I enrolled in XXXX XXXX XXXX in XXXX, shortly after I was dropped because I did n't meet their criteria. In XXXX I ran my credit, surprised to see I had a federal loan amount, upon being dropped I was told that I would be responsible for equipment, not course because it was prior to 30 days. I reached out to great lakes, in order to get the matter resolved they instructed me to speak with someone at the school and if the received something in writing that they would resolve the matter, or began paying I explained that I was n't working an had XXXX kids with no income they told me that they would put my account into some sort of plan until the matter could be resolved. So I went to the school an asked for a copy of the imformation that supported me being dropped the XXXX said that id have to contact their corporate office to get any imformation because it was no longer at there facility. She gave me a XXXX number I called they told me they would have someone look into it and give me a call back. I never received a call back, after XXXX days I called back several times the last time they told me that the person handling this was out of town an would get back to me upon his arrival back. Next they were closing for fraudulent behavior an they were not allowed into records, Now I have a high student loan on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation