BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Seterus, Inc.
State: NM
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:
I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXX the XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX XXXX  of this country! You can't report both loans! Thgis is Fraud!!!!!

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 2020-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is the only company with an error reporting an account that doesnt belong to me. 

XXXX XXXX account XXXX Not only is his account passed the 7 years of reporting but it doesnt belong to me ... 

Equifax is causing distress and damages and I will have to pursue legal action if this can not be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Convergent Resources, 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:
To whom it may concern : I have reviewed my credit report and see that your company ( CONVERGENT OUTSOURCING, INC ) has listed an account on my credit file with A balance. ( XXXX XXXX W/BALANCE OF XXXX ) I have attached A screenshot of the reporting reflecting on my consumer report. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.

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 2018-03-30
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a XXXX year old female who has been XXXX since XX/XX/2017. 

I have been unable to get the medical care needed because my phone and emails have been hacked and re routed to XXXX XXXX, a collections company that has nothing to do with health care. 

They access private medical records and apply fictitious charges to billing accounts to generate cash flow revenue for facilities and for their unjust enrichment. They work with Navient to collect student loan debt. I do not owe student loans anymore, they are attempting to collect on legally unenforceable debts. 

They are committing fraudulent, misleading acts that are UDAAPs in violation of the CFPA. 

They are under a legal obligation to comply with the FFELP and the FDCPA, and willfully choose to conduct deceptive acts to steal money without consumers knowledge ... i do not owe them anything, never signed a legally binding contract with them, and they are jeopardizing my health and well-being and finances. 

They are essentially commtting attempted murder in this instant case. 

They have no authority or right to impersonate a health care facility and interrupt my healthcare. 

I will be naming them in a lawsuit filed in the district court. I want them to remove my name from their records and leave my life and affairs alone. 

This is not legal. It is a severe infringement and they are criminals as well as civil violators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Bread Financial Holdings, Inc.
State: FL
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 contacted the credit card company on XX/XX/XXXX because I had a charge in the value of XXXX dollars to open a dispute, after waiting a long time on XX/XX/XXXX, I received a letter from the bank informing me that they would be crediting a value of XXXX dollars I should be responsible for the rest. 
The letter states that they were crediting that value of XXXX, but the information I have was that the company that made this debit in the account made a refund of this value. 
I told them that I disagreed because I disputed the transaction of XXXX, so they opened a new dispute in the value of XXXX, but it has been a long time, and now they want me to contact this company that initially made the charges and work things out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: N.A.R., Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In mid XX/XX/XXXXI got really sick I had 3 XXXX 2 XXXX, one XXXX. I have two credit cards one w XXXX XXXX & XXXX XXXX I contacted both companies and explained to them that I had been sick and XXXX as a result of that I was left broke bc I couldn't work. So they both said that they offered a hardship program for people like me and that it was stated in the contract when I received my card. They informed me to mail proof of my medical condition, I sent them a XXXX page report detailing all my XXXX XXXX XXXX and Dr visits along w a letter explaining my situation. I got a letter back from The XXXXXXXX XXXX company saying everything is good and the voided my debt, ( I'm including a copy of that letter incase it helps ) I never received anything From XXXX XXXX  so I assumed that if XXXX XXXX excepted everything. XXXX XXXX  would too bc it was the same exact paperwork sent at the exact same time apparently they didn't bc now they are suing me Using a company called N.A.R which I think stands for N American Recovery its posted all over my credit report I called XXXX XXXX  And they gave me the run around and was very rude and their hold times are hours long to rude customer service you would think w all this covid 19 pandemic they would be nicer and more coorperative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I sent them a request on XX/XX/2018 to send me all the information about the car loan, the repossession and the sale of the car. they refuse to send me any paper work because I am the co-owner of the vehicle. they stated that all information was sent to owner ( who lives 3 hours away ) and states that she has not received any thing from them, including information about getting the vehicle back or how much the vehicle was sold for or where. been trying for years to resolve this issue, but getting no satisfaction. the amount owed changes constantly on the credit reports and is never reported accurately on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion  continues to charge me {$14.00} for and account that I have not logged in for years and they licked me out of.

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 monetary relief
Consumer complaint received 2021-11-11
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wayfair Is the company I paid it through a settlement wayfair is run by committee bank I have tried for 3 and a 1/2 months to get this corrected on my credit report and they have not corrected it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I have repeatedly requested a free copy of my credit report through XX/XX/XXXX from all three credit reporting agencies : XX/XX/XXXX, and Equifax. 

Equifax has repeatedly not provided me with a copy of my credit report, even though I have requested online, by mail, and phone through XX/XX/XXXXmost recently on XX/XX/2020. 

As you can see in the attached document from XX/XX/2020, Equifax states that they received my request for my free annaul credit report through XX/XX/XXXXhowever since their records indicate a free copy was sent within the past 12 months, they are demandeding payment to provide another copy of my credit report. 

It is my understanding that this is violation per the FTC : https : //www.consumer.ftc.gov/blog/2020/05/credit-reports-are-now-free-every-week Note they spelt my name wrong in the attached letter. It is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: EQUIFAX, 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:
Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: CT
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 ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report. 

Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest. 

This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ACIMA CREDIT, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After Acima Credit falsely offered credit on behalf of XXXX XXXX  when they are actually a Rent to own business, I voluntarily, returned the Sofa. I made 1 payment and returned the product. The store informed me that they would pick up the sofa. On XX/XX/20 XXXX XXXX came and picked up the sofa. Animal credit received notification of this from the store XXXX XXXX. ACima credit continued to take payment until I filed a complaint with my Bank/XXXX XXXX to stop the automatic debit since I no longer had the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted letters to all three credit bureaus, Transunion, XXXX, and XXXX, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with transunion with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed 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 2021-02-22
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
A check for the pay-off amount was sent to Hyundai Motor Finance on XX/XX/XXXX, it was received by the company on XX/XX/XXXX and the funds were posted on XX/XX/XXXX. I called on XX/XX/XXXX to determine how long it would take for the payment to be reflected. I was advised the check could not be located. I confirmed with my financial institution the funds were released and the payment was processed by Hyundai Motor Finance. I continued to call every week at least 2 times a week for the next 2 weeks but each time I was told the check could not be located. On XX/XX/XXXX, I was told by Hyundai to file a missing payment request by fax. I went to XXXX XXXX and faxed a statement of the situation along with the front and back of the processed check. XXXX XXXX then noticed that the account number on the draft did not match my account number. I was told by Hyundai to wait 2-3 business days for the fax to be reviewed. On XX/XX/XXXX I called with a XXXX XXXX agent on the line with me. We were told that the check was located and that the situation was being researched and to wait 3-5 business days. When I called back on XX/XX/XXXX I was placed on hold for over an hour so I called back on XX/XX/XXXX. I was then told that there was not update on the missing payment and that my account was now past due and incurring late charges. When calling on XX/XX/XXXX, I was then told to wait an additional 3-5 business days for the research to be completed. Each time that I call the company I am placed on extremely long hold periods and then after waiting the line disconnects. This entire time period I am carrying 2 loans for the same vehicle and it is impacting my credit. I am not getting any assistance from Hyundai to resolve this issue and I am at a loss on how to get this resolved before it begins to severely impact 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 2017-08-02
Company: ACS Education Services
State: OH
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 have been a XXXX in a large XXXX XXXX district since XX/XX/XXXX  and am unable to receive a clear history of my student loans in regards to the XXXX Loan Forgiveness Program. My loans were consolidated in XX/XX/XXXX ; however, my servicer ( ACS ) is unable to provide me with the type of loans that were consolidated and the date of consolidation, which can impact my eligibility for the XXXX Loan Forgiveness Program. In addition, my servicer ( ACS ) said my loan is being transferred to another lender/servicer ; however, they were unable to provide a date or time frame that this would occur. My servicer ( ACS ) referred me to the U.S. Department of Education, who also provided limited/false information. I was provided with a servicer who, when I contacted, had no records of my loans.
By not being able to access my loan history, I have not been able to receive confirmation of my eligibility for the XXXX Loan Forgiveness Program. My servicer 's practices ( ACS ' ) are unfair and deceptive as I am not able to receive consistent information regarding my loans. My loan is also being frequently transferred to different lenders and servicers making this process more complicated.
I have contacted my servicer ( ACS ) on multiple occasions, with the latest contact being XX/XX/XXXX. The servicer ( ACS ) stated they could request a copy of my Promissory Note from the loan guarantor ; however, this will take 30 days to provide and I am not sure how this will help me to understand my eligibility for the XXXX Loan Forgiveness Program. Please see my request to the servicer ( ACS ) below.
Thank you!

Company response to consumer: Closed with explanation