BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes

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 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-04-10
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To XXXX XXXX legal/compliance thank you very much for your response. I am requesting a copy of my medical information showing the debt the amount of the debt the unpaid balance sign by the consumer. legal compliance XXXX XXXX stated you are business associates of the original debtor.I request my sign hippa given you from the original debtor be posted c f p b that I may view the sign hippa you stated your agreement with your client that you would not share private information with anyone other than the consumer. I take that to mean any third party other then the consumer the person who may are may not have purchase good and service for personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt is for trash bill. Credit management contacted my parents on Wednesday XXXX XXXX, 2015 regarding a delinquent balance ( that was never delinquent ). Told them the dollar amount and threatened to place a lien on their house. All thus after my parents told them that the debt did not belong to them and they were contacting the wrong person. They again contacted my parents again on XXXX XXXX, 2015 even after the conversation on Wednesday when my parents told them they were contacting the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our VA loan was sold to another company. Since PHH Mortgage has taken over our loan they dont apply payments correctly, we have confirmed delivery of check before due date, the company refuses to accept any form of payment that isnt a money order, they hang up a lot, dont speak XXXX well, apply fees when they have payment, they say they returned the payment/check but dont have proof, they told us they were going to return fees {$83.00} do a credit exsponge to fix how they have made our credit drop 200! Points because they are reporting we never pay but we do. Please help we spent 6 hours on the phone and this company promised all these solutions then sent letters saying the opposite and Denied every having talked to us but we have phone records bank statements etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CITIBANK, N.A.
State: WA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, - Inquiry : XXXX XXXX, XXXX CITIBANK XXXX - Inquiry : 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 explanation
Consumer complaint received 2023-11-03
Company: Nelnet, Inc.
State: VA
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 am being charged almost XXXX dollars in INTEREST alone, per month after they put me in admin forbearance because they are still working on my repayment plan which I submitted months ago! When I call, I am constantly on hold for up to an hour before a representative pick up and every answer I received is " we are still working on it, contact us in 10 days ''. They are purposefully delaying the process in order to accumulate and compound XXXX dollars of interest per month!!!!! They are clearly dragging there feat to avoid the following policy of the SAVE Plan : " Outstanding interest is eliminated each month. Any interest you didnt pay was compounded back into your loan under the IBR plans, resulting in many people owing substantially more than they borrowed, even while making their assigned payments. That wont happen under SAVE since interest beyond the portion included in your payment no longer accumulates. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  XXXX XXXX and Transunion are showing inaccurate information on this account which is a violation of the FCRA Date open shows 2 different dates high credit shows different amounts Date of last active shows 2 different dates

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 2019-11-01
Company: AES/PHEAA
State: MT
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 am in the Public Service Loan Forgiveness Program at the U.S. Department of Education. I have been in the Program since XXXX of XXXX. Pennsylvania Higher Education Assistance Agency manages this program for the Department. Every single year, PHEAA messes up my qualifying payment count for the PSLF. One year they even removed years of qualifying payments and reset me to zero.

My current complaint is as follows. I submitted an updated Employment Certification Form on XX/XX/XXXX. It has not applied and the time stated has been exceeded. Further, it has come to my attention that PHEAA is again not counting my payments properly. I contacted the Ombudsman 's Office at the U.S. Department of Education and am again filing ANOTHER complaint with you seeking assistance to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. I implore you to expedite the resolution of my identity theft disputes without further delay. I require a comprehensive investigation into these matters, the removal of fraudulent accounts from my credit report, and the restoration of my financial standing. My rights, as a consumer, must be upheld, and justice must prevail. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my credit report and noticed something from Pro Collect, I sent a debt validation letter via certified mail. The response received did not properly validate the debt. Instead what was received was a final bill showing a XXXX amount due.

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 2019-04-10
Company: Experian Information Solutions Inc.
State: CT
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 been disputing a XXXX XXXX XXXX account with Experian that was opened in XX/XX/XXXX. XXXX XXXXXXXX charged off this account and it was sold to XXXX on XX/XX/XXXX. I paid and settled this account with XXXX   on XX/XX/XXXX. I disputed the XXXX XXXXXXXX account XX/XX/XXXX because it stated as being negative on my Experian credit report when it was actually sold to XXXX and settled. When the disputed results were sent back to me they were re-aged with a status update of XX/XX/XXXX that caused me to get another charge off and failure to pay. This caused my credit score to drop several points. I disputed this information again on XX/XX/XXXX and the dispute results were re-aged again to XX/XX/XXXX I disputed it again on XX/XX/XXXX this dispute was re-aged again XX/XX/XXXX I disputed again on XX/XX/XXXX and it was re-aged again XX/XX/XXXX. Experian also report this as a charge off and failure to pay for XX/XX/XXXX and XX/XX/XXXX. My credit score has decreased and now my credit score is rating poor. This information is incorrect because the status report date of this account should have a closing date of XX/XX/XXXX. When it was sold to XXXX. Both XXXX XXXX XXXX  and Experian should have known this because the documents are in my Experian file. The last time I called Experian to dispute this incorrect status update the dispute specialist were very rude and did not want to reinvestigate this incorrect information. This incorrect information has caused me to not be able to quality for a home loan it also caused my insurance rates to increase and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Some company with number XXXX XXXX XXXX and XXXX x XXXX called my work place and tried to contact me there. The office took a message and he said this is XXXX with MCM and left a phone number. 
I have had no dealings with them owe them nothing and refuse to accept their bothering me at work. It is a govt office and not allowed. 

Hi I just took a phone message for you. He said you will know what it's about. He said his name is XXXX with MCM. Phone is XXXX x XXXX. 
This is the email I received re the event

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for credit with XXXX XXXX. I was denied credit by XXXX XXXX because Experian reported a bankruptcy on my consumer credit report. Experian had previously indicated the public record was removed from my consumer credit report. Experian sent me a letter indicating the bankruptcy was removed from my consumer credit report. However, they are reporting otherwise to other companies. The information being reported by Experian is inaccurate and contradictory.

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 2020-11-30
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 information incorrect

Complaint:
Despite sending two dispute letters, via certified mail, regarding two XXXX XXXX XXXX accounts, on XX/XX/XXXX & XX/XX/XXXX and uploading supporting documentation via Experians dispute, showing on time payments deducted from my bank account, Experian continues to state inaccurate late payments that never occurred, are verified. Experians refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped nearly 60 points and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Experian is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Experian has failed to provide the method of verification under 611 ( a ) ( 7 ). Per section 611 ( 5 ) ( A ), Experian is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Credit report is showing that 2 XXXX XXXX charge offs i have paid off was Illegally reporting monthly on my credit report, as this is a violation of the FCRA. Charge offs were not supposed to be reporting monthly. Please delete charge off accounts from credit reports as this is illegal or i will seek an attorney for damages.

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 2015-06-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I HAVE ATTACHED BOTH EQUIFAX AND XXXX REPORTS IN REGARDS TO INCORRECT LIMIT AMOUNT AS WELL NO CREDIT REPORTING. 
XXXX XXXX XXXX : XXXX : LIMIT IS {$1000.00} BALANCE IS $ XXXX : **************** LIMIT IS {$500.00} BALANCE IS $ XXXX LIMIT IS {$450.00} BALANCE IS $ XXXXPLEASE UPDATE AND FORWARD ME A REVISE CREDIT REPORT COPY. 
THANK YOUXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter on XX/XX/2023, from IC Systems Inc. regarding a debt I owe to XXXX XXXX ; however I have never had XXXX XXXX as a wireless XXXX. I believe my identity has been stolen.

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 2019-11-19
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
collections agency convergent outsourcing is the collection agency who bought the account from the original creditor, reliant energy. it was opened as a new account in XX/XX/2019, yet i did not receive written notice until XXXX, the letter was dated for XX/XX/2019. I called and spoke with the collections agency, who stated they had sent out the only letter in XX/XX/XXXX, i then asked then why have you already put the collections account on my credit report and i have not been given my 30 days to decide what i would like to do. I was then sent another letter, stating they would like an answer as to why i was disputing the account.. I sent an email stating just as before. Received a letter today saying i am still responsible.

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 2023-02-23
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: Their investigation did not fix an error on your report

Complaint:
In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX  XXXX XXXX, has violated my rights. After disputing the late payments with XXXX  XXXX XXXX their investigation concluded that the 3 credit bureaus ( XXXX, Experian, XXXX ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-13
Company: EQUIFAX, INC.
State: AZ
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:
Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation