BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-16
Company: URS Holding, LLC
State: ID
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:
XXXX XXXX XXXX  aka XXXX XXXX XXXX  and through their collector Alltran Financial , LP are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. 

They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. 

Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
First Investors Financial service is reporting unauthorized credit inquiries to my credit file as follows. 
First Invst SVC/First  on XX/XX/XXXX to XXXX  First Invst SVC/First on XX/XX/XXXX to 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 2020-12-04
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: Information belongs to someone else

Complaint:
The following information and accounts do not belong to me. 
I have been a victim of identity theft. 
I need this matter to be investigated by credit bureaus and all the following accounts and inquiries to be removed from my credit account and credit report immediately. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX  Account # XXXX 3 ) XXXX  Account # XXXX 4 ) XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX 5 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 6 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 7 ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Account # XXXX 8 ) XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) Account # XXXX 9 ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 10 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   ) Account # XXXX 11 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX Account # XXXX 14 ) XXXX  XXXX Account # XXXX 15 ) XXXX  Account # XXXX 16 ) XXXX  Account # XXXX 17 ) XXXX Account # XXXX Inquiries : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-25
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX  - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - xxxxxxxx XXXX XXXX XXXX XXXX  - xxxxxxxx XXXX XXXXXXXX XXXX XXXX XXXX xxxxxxxx XXXX XXXX XXXX xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Naviet has a student loan of mine and it was not deferred like the rest of my student loans and I pay when I can. However, that is not the problem they have gone from just calling me on the phone to harassing anyone that has my last name. they are cold calling people that I havent spoken to in years that have my last name. They are also sending me the same bills but in fun colored envelope to ensure I open it, they even went as far as trying to send me a XXXX  card that actually just had the billing it. Its extremely disturbing the levels they are going to. It is very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached FTC report. 
Best Regards, 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 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.

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 2018-04-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted both Equifax and XXXX  regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months ofXX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
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:
The issue I am having is with the credit reporting agency Experian. I have submitted three separate disputes regarding a collection account from XXXX XXXX XXXX XXXX. I have gone through debt validation with this collection company over a period of several months and during this time, the collection remained on my report. XXXX XXXX did not provide me the information I requested during the validation process to demonstrate that the debt was valid. I have since disputed with Experian once in late XX/XX/2018, once in XX/XX/2018, and once again in XX/XX/2018. Experian keeps verifying the account despite the fact that the collection agency is required to cease collection activities ( such as credit reporting ) during the debt validation process and was also unable to validate the debt. The collection account remains on my credit report today and it is inaccurate. XXXX has already deleted this account and XXXX is still in the process of investigating it.

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 2018-04-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company I disputed due to same happens with a XXXX XXXXXXXX card

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 2017-12-08
Company: National Credit Systems,Inc.
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: Old information reappears or never goes away

Complaint:
The Account Was paid, we did a 3-Way call with XXXX and XXXX Verified that the balance is {$0.00}. # 3 on the XXXX XXXX, Now it I showing up on the Credit Report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to put my private loan into in-school deferment. I called several times since the beginning of my school semester, which started in XXXX XXXX. I spoke to several representatives and supervisors and each time I get a different excuse as to why my loan will not be put into in-school deferment. I have sent every document they have requested from me. including documents felled out and sent by college representatives. I was told this is an easy process and each time I call in to find out what is going on they seem to put the blame on the former representatives that I have already spoken to. They keep telling me that the documentation that is requested is incorrect and I have to do something else. I have been trying to avoid this being reported to the credit bureau because this is out of my control. 
I do attend college half-time. I am a student with XXXX University and a transient student with University XXXX XXXX XXXX XXXX. I am taking XXXX credit hours this fall XXXX semester and both colleges have reported to clearing house. The problem is that I am less than half time according to clearing house because my attendance is in XXXX different colleges. Navient is aware of this and has told me not to worry this is an easy fix with a statement from one of my colleges. Well I have done everything I could and provided numerous documents and they still refuse to put my loan into in-school deferment. I am registered for the spring XXXX semester as a full-time student and in XXXX there should not be an issue, but until then I need my loan with them to go into in-school deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: JPMORGAN CHASE & CO.
State: CA
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 opened dispute to fraud at XXXX on XXXX. I don't reciving the item and this company say they send at my address by XXXX, when I don't reciving talk to XXXX and check the tracking number the guy on GPS say no delivering on my address but him can't tell where delivering. Open a case in XXXX and I lost it, the company XXXX said that it had sent it to my address but that is false. 
And I open a claim to fraud in CHASE CREDIT CARD with the : CLAIM ID : XXXX And the same result the CHASE believed the defendant than the defrauded, they told me, they had asked the TOMMIGOODWI questions, but they never checked with XXXX for know the truth. 
The amount on dispute is {$51.00} XXXX tracking # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FCRA VIOLATIOSN : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Voluntarily surrendered/Never late. {$7200.00} past due as of XX/XX/XXXX. 






XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$82000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$500.00} Status Collection account. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware when I checked my credit report that this debt collector under the name of HUNTER WARFIELD INC. has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: AES/PHEAA
State: CA
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 have completed the 120 months required for Public Service Loan Forgiveness By my count I had completed that earlier this year. They said I had not. They said if I waited and applied in XXXX I would have enough months. I waited since the CARES Act meant I was not having to make a payment to have a qualifying month with a payment. 


They are now claiming that I need to wait until the reviews are complete to apply. They used to say that they would complete the reviews once I applied. They also claim that there is now an issue with three months of payments from last year that were not an issue last time I talked to them. 


I have worked full time for the XXXX XXXX the whole time. 

There are some seven months with issues that I think should be counted. If they are all counted I would have 121 qualifying months. 

One is XX/XX/XXXX from when my qualifying payments were {$0.00} dollars a month. They claim that month does not count because there was no on time payment. They accepted the {$0.00} the months before and after. I am unsure how I could make a {$0.00} payment not on time. 

Three are CARES Act months. Fedloanservicing has not yet credited those months. 

Three months are from XXXX when Fedloanservicing applied a forbearance or deferment to my account without a communication from me. I am also a XXXX XXXX  XXXX veteran and eligible for a discharge. I did not ask for that because I do not want to pay state taxes on the discharge in California. I properly opted out of the discharge. While they did not claim these months were an issue last time I applied they claim they are now. I made payments during this time. The federal government sent them a communication that I was eligible for the discharge. They were not required to put my account into forbearance. This has happened more than once. They seem to have fixed XXXX of XXXX but now have an issue with three months from last year. I believe it is XXXX, XXXX and XXXX. 

They give different answers different times I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: The Outsource Group, Inc
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was given misleading information about payment plans and that it was not going to be reported to the credit bureau while in the payment plan. They then reported to the credit agency without notifying me that the current plan I was on would not prevent this. They didn't send me information to dispute the debt when first contacted.

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 2018-04-13
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, XXXX and XXXX  are reporting inaccurately on XXXX XXXX XXXX account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XXXX XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXXXXXXAfter dispute with all 3 bureaus XXXX  says on the report, {$7100.00} past due in XX/XX/XXXX.InXX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have submitted a letter from XXXX XXXX AND THIS 30 DAY LATE IS STILL REPORTING ON 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 2020-06-24
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020 Speedy Cash employee XXXX agreed that I did have a deferment on my account. 

I was given the impression that if I could not afford to make the payment in XXXX the deferment would continue. I called Speedy Cash in XXXX and they demanded an amount I was unable to pay at the time and I informed them of the fact. Then days later they placed my account in collections without telling me this was going to be the next action. I at least had the right to be informed. 

In addition they have employed a collection company that engages in harassing collection practices. I noticed a strange number calling me for the last few weeks, when I answered the telephone the person would hang-up ; this happened at least three times. If this is a legitimate attempt to collect a debt why the underhanded tactics that scare consumers? And a letter with three different return addresses, I am confused where to send any correspondence ( see attached ). 

I have asked for an itemization of my debt because I question the exact amount demanded. 
I do not owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Navient Solutions, LLC.
State: GA
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 was issued this loan on XX/XX/XXXX thru my school my last loan issue was XX/XX/XXXX. The loan amount totally around 20k, as of XX/XX/XXXX I still owe XXXX . 
I was attempted serveal time to talk to Navient but no one would give me a straight answer why am still paying almost the full balance 10 years later. On top of that they buy me on a graduate lap. Which I been paying {$220.00} that went to {$670.00} in XX/XX/XXXX. 
Again if am a public service employee why was I out on a forgiveness loan so I can be done with this loan this year XXXX no instead am still paying on a loan for more then 10 years

Company response to consumer: Closed with explanation