BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: National Credit Adjusters, LLC
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:
this is not my account I have no obligation to pay this debt I sent a debt validation request to the debt collector called National Credit Adjuster on XX/XX/2021 to validate the debt.they received it on XX/XX/2021 certified mail see attached so you have 30 days to respond me since you received it by law you must to respond me, under the FDCPA and FCRA you are in violation so since you failed to respond me that means you couldnt validate and you couldnt prove that I have any obligation to pay this debt so you must cease any future communication with me and cease all collection effort and remove this negative item from my credit report immediately you have caused damage to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Merchants' Credit Guide Company
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or no attempt was made to contact me. I received absolutely nothing regarding this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: HUNTINGTON NATIONAL BANK, THE
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've continuously attempted to have Huntington National Bank go through and do a historic review of my accounts ; interest earned on promotional rates since 2014 ( which includes promotional Money Market Account ( MMA ) rates ) as the money paid, for monthly interest, from time-to-time,  does not accurately reflect the rates ; I am owed interest between my checking and savings accounts. Since this request has been put in and ignored by customer representatives. I've made repeated attempts to resolve the issue ( s ) yet have faced being neglected. In this instance, Huntington to re-calculate with he promotional rates assigned for my checking and savings accounts. I've tried in good faith in effort to resolve such matters. 

In additional, Huntington National Bank also needs to confirm the closure of each of my business accounts had XXXX  balances before they closed those accounts out as according to my records there were funds. There are numerous business accounts. It was outside of my will or knowledge that Huntington Bank closed those business accounts and have not responded over several years to confirm the request of a XXXX  balance with evidence. 

I feel that, being subjected to the actions over the course of several years, I am full entitled to these actions in good merit and keeping order Huntington Bank realize the deficiencies for the issues provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While attempting to apply for a home loan, I was informed that XXXX XXXX XXXX had sent an unpaid bill for {$210.00} assigned to me to Franklin Collection agency, case # XXXX ( XX/XX/XXXX ). I never received written notice by either XXXX XXXX XXXX or Franklin that I owed any money. Also, when I contacted XXXX XXXX XXXX to explain and itemize services performed for this bill collection representatives had no record of this account ( XX/XX/XXXX ). I submitted a written notice of dispute to Franklin on XX/XX/XXXX. 

I followed up by contacting ( XX/XX/XXXX ) and requesting Franklin to explain and itemize services associated with this account and have yet to receive correspondence. However when I asked why my credit rating was lowered for a charge I hadnt received, Franklin customer service admitted the billing address on file for this account was not my mailing address. In addition, the filed address they provided is actually not a valid mailing address according to the US Postal Service. It is important to note that the invalid address Franklin had on file was provided to them by XXXX XXXX XXXX. 

I am currently an XXXX XXXX XXXX customer with current contact information on file. I have never missed a payment for any bill sent to me by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: AL
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 have disputed this account on several occasions with Equifax, XXXX  & XXXX. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have disputed this account on several occasions with XXXX, TransUnion & XXXX. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the account.

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 2020-11-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I initiated the process to refinance my mortgage with the existing servicer, Pennymac. They have not communicated with me in many days -- weeks, even -- and my repeated email inquiries requesting an update, such as information about closing on the loan, have gone unanswered. I fear they are trying some sort of trick to delay my closing in order to exceed the lock period and thereby deny me the promised rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX- Account : XXXX-XXXX**** Creditor : XXXX  XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX - Account : XXXX**** Creditor : XXXX- Account : XXXX**** Creditor : XXXX/XXXX- Account : XXXX**** Creditor : XXXX- Account : XXXX**** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2021, was required the payoff statement of certain mortgage loan through the service agent 's attorney. This loan is in foreclosure process. In the request, my attorney specifically indicated that he expected compliance with ( 1026.36 ( c ) ( 3 ) ). He demanded that the payoff balance be provided within 7 days. After not receiving the requested information, my attorney re-wrote on XX/XX/2021 ; XX/XX/2021 and XX/XX/2021. None of the emails were answered even though an official of the servicing agent was also included on the communications. 

I intend to pay the balance and this delay is assessing me more interest owed, while the servicing agent advances the foreclosure process until the sale of the property in public auction. 

In the last email we warned that we would be filing the complaint and still they did not pay attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2022 I disputed a few items with Experian. Experian sent a message back the next day that the information was verified. Experian has disabled me from disputing anything that remains from XX/XX/2022 dispute. I received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX, XXXX XXXX, & XXXX XXXX. It saddened me to learn that Experian somehow verified the disputed item, electing to leave it on my report. I was also notified that they will not reinvestigate but yet they have not provide any information or results to their investigation. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

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 2021-07-15
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
its been three or four months and I was told that in XXXX the funds will be transferred to my account and that the company would communicate with me via email although they have made no communication with me via email I have experienced a incredibly serious financial hardship due to the unwarranted freeze on my account this resulted in the company with holding over {$1100.00} The linked bank account that was associated with my account at Square is no longer active and I would like to update that information however Ive been unsuccessful at getting in touch with anyone who is willing to work with me to solve the issue every time I speak to someone there they tell me that somebody will email me Ive even provided them a secondary email address and Ive made about six calls regarding this with the same response promising an email that never comes. 

Square does this to lots of small business owners when they open an account and I have spoken to many people who have dealt with the same issue square is redlining and is unscrupulously operating without ethics and morals I am a small business owner who was a victim in a Ponzi scheme and I really would just like my money back as I cant even my bills and every dollar helps

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times. I sent I.C. System a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute I.C. System has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to I.C. System : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to  verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

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 2019-01-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PHEAA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to PHEAA along with a notarized affidavit claiming fraud. PHEAA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like PHEAA to close their files which have any information with my name & social on it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Information was compromised due to XXXX  data breach in XXXX and also compromised due to covid-19 when I did not have a stationary address between XXXX and 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 2018-05-10
Company: EQUIFAX, INC.
State: PR
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:
I have disputed some items listed on my credit file several times with no outcome of corrections. Nothing is being done. I need some help, as you know my state was impacted by Irma and we are trying to get our lives back in order. 

The issue is my mortgage states past due on my credit file which is NOT and hasn't been updated since XX/XX/2017. My credit will never get better unless some action is taken. The account was in affected area of the national disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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:
There are currently numerous accounts listed on my report that I have no knowledge of. This is an error or a result of malpractice. I am submitting this complaint on behalf of myself.

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 2020-05-11
Company: EQUIFAX, INC.
State: MN
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:
Im receiving letters and phone calls of harassment, profane and abusive language, death threats and threats of being sent to jail and prison from XXXX XXXX Representatives in regards to a debt for {$84.00} from XXXX. The debt and account is not my debt or account. The account and debt is due to identity theft. XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: NV
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:
The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.

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 2021-07-15
Company: Experian Information Solutions Inc.
State: NJ
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 sent out Notice after Notice. I startedXX/XX/XXXXanXX/XX/XXXX, and the last one was onXX/XX/XXXXto Experian. They are not responding to me at all, neither by mail or email. And I only to them they are listing a bankruptcy on my credit report, I was wondering what method they used to retrieve such information. I only want to know what methods they used to verify this information on my credit file. They will not respond back to me and its a fair simple question. I asked them to refrain from responding with a typical verified response I am not disputing such information. To no avail is it anyway you guys can help me out.Oh and one call they hung up on me after awhile..

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