BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: IA
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:
To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX a number of years ago and now I have problems with my XXXX XXXX XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the XXXX   campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed my employer certification with MyFedLoan and got my 120 payments certified. 

A week later, I received a rejection letter on XX/XX/XXXX, stating I didnt certify I was employed this monthwhich had been certified on the same form they approved, and the basis for my hitting 120 in the first place. 

I contacted customer service multiple times and they said my application was rejected in error but there is " nothing they can do. '' Another customer service representative lied and told me federal law prohibits them from telling me where I am in the application process or why I was rejected. 

To make matters even more frustrating, they sent me a letter on XX/XX/XXXX, notifying me that I should apply since I am already eligible for forgiveness. When I contacted them to apply again... .they once again told me that they are still processing my rejection and to check back in 6 months to a year. 

I can not remain in my job for 6 months to a year while they process my loan discharge. I was guaranteed discharge in my promissory note and have fully satisfied all conditions. 

My employer is " the government '' ( XXXX XXXX in the State of Texas ) and no other issues exist on my account. I even used the official PSLF tool and had multiple MyFedLoan represenatives state they aren't sure why I wasn't immediately processed for full forgiveness. 

I believe that this can't be mere negligence and there must be an organized effort inside the organization to reject these applications. No other explanation would suffice to explain the lengths they have gone to block the discharge of PSLF-complying loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted XXXX XXXX XXXX on XX/XX/2021 advising of a debit that was placed on my credit file that did not belong to me. I asked both credit bureaus to verify the information because I have no knowledge of XXXX XXXX XXXX XXXX. I have also disputed this information a couple times and the information could not be verified by none of the credit bureaus. 

On XX/XX/2021 I received a letter from XXXX stating that the debit could not verified and it has been removed from my credit profile. XXXX has sent me the attachment stating that the information was verified and it would not be removed from my credit report. I spoke with XXXX on XX/XX/2021 which he stated that debit recovery solution was contacted and said it was my debit. I then asked XXXX did he receive anything with my name on it that I have signed for there service and he advised no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received 2 notices on/around XX/XX/XXXX that were dated XX/XX/XXXX from Midland Credit Management stating I owed 2 debts to them. I contacted MCM via chat today - XX/XX/XXXX - to request validation and verification of the debt and I was told they can not send that information to me and that I should look online at the statements, which only shows an amount and the name of the creditor. Both balances are from XXXX XXXX XXXX, XXXX for {$1800.00} and the other for {$1200.00} and that both were charged off XX/XX/XXXX. There is no other details as for what these are balances are for. I requested from the chat representative, XXXX XXXX, what these charges were for from the original creditor and she stated the letters I received welcoming me to MCM with the balance amount was validation. I told her that I do not believe these are my debts owed and its my right to get this information before they try to legally collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Accelerated Financial Solutions, LLC
State: GA
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:
This is not my debt. Creditor continues to attempt to collect on this account that is not a verified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Resurgent Capital Services L.P.
State: HI
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:
This account is showing up on my credit reports but I don't know what it is for. I have sent two letters to this company and have not received any form of correspondence back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Sent Off Dispute Letters XX/XX/2020 & All 3 Credit Bureaus Has Not Replied. Its Has Been More Than 30 Days Once Again, & Everytime None Of These Entities Have Provided Verification & Proving This Belongs To Me. This Is My Final Attempt To Correct This Issue & None Of Them Still Gave Me What I Needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Bridgecrest Acceptance Corporation
State: GA
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:
Alerted by Credit monitoring company that I have missed a payment with my auto company Bridge rest formely known as XXXX XXXX. After careful review of my report Bridgecrest has not reported any of my XXXX, XXXX payments made on time. Currently, my account is up to date and should have been reported accurately. My maturity date for my vehicle is XX/XX/2020. I will be finished paying off my vehicle. The incorrect information reported has caused my credit score to decrease. Would you please assist me with this matter? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I received a letter stating my FHA mortgage was sold by Bank of America to a collection agency named XXXX XXXX XXXX XXXX XXXX : effective XX/XX/2021. I did not receive proper notification from either company of the transfer and procedure within the 15 days of sale.

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 2021-10-20
Company: Synergetic Communication Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt was included in an identity theft case years ago they continue to sell the debt even though it has been successfully disputed and they are threatening to put it on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX  to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX a number of years ago and now I have problems with my XXXX XXXX XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the medical campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.

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 2021-03-08
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:
I previously disputed a XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your Experians claims that theyve investigation this item. On my last certified dispute letter to Experian dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof but theyve already closed the case and marked it as updated. Experians claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Experian should delete this negative information. It has been a terrible experience dealing with Experian. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. See Attached

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 2021-10-20
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone named XXXX XXXX email address XXXX sent my paypal email a paypal payment of XXXX dollars because i did not know this person i did not keep the money, Paypal is stating that this person after sending me the money reported that they sent the money to the wrong person and paypal is trying to say i now owe {$860.00} for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX XXXX XXXX {$3700.00} XXXX  XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$420.00} XXXX   XXXX {$140.00} XXXX  XXXX {$12000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$390.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion and XXXX are violating the United States federal code law under 15 U.S. code 1681b - Permissible purposes of consumer reports I never gave them or the companies below any written consent to report anything on my consumer report or consent which is identity theft. 

Transunion Inquiry : Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX  Date : XX/XX/2021 Account Name : XXXX XXXX XXXX Date : XX/XX/2021 XXXX Inquiry Account Name : XXXX, Date : XX/XX/2021 I have sent them a letter stating that they have violated these laws and they have still not deleted this from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a large amount of funds in my account and I reported it to the bank. Also my debit card was being used as well as fraud from someone so the bank froze my account and I am not able to open up another account or get my funds out. Please help me

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 2020-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 am writing in regards the response Kohl 's made to my complaint. They continue to fail to address the issue in my complaint. They continue to go around the real issue by stating I am requesting they create an inaccurate representation of the status of my account, quite the opposite. I was told by customer service representative hired by their company ; provided me with information as to how I should make a payment to my account. If this information was incorrect and XXXX 's payment could not be divided within the two months I should not be penalized for this incorrect information. I did as a I was requested to do so that my account wouldn't reflect a thirty day late on my credit report. My record speaks for itself of never being late with this company or any other company that conduct business with. As a consumer who takes very seriously the importance of having and maintaining good credit ; this company should in good faith take into consideration the validity of my complaint. And not just view this someone trying to abuse the integrity of the credit reporting system!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX of 2022 I filed a dispute with the credit bureau Asking for a reinvestigation Of the disputed account XXXX XXXX XXXXXXXX. This account was verified by the credit bureaus and I asked for a reinvestigation that I was entitled to according to the Fair Credit Reporting Act section 611. The bureau had 15 days to Complete their investigation and they have not. I have asked for a reinvestigation and they have not responded to my request. i In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH XXXX  AND TRANSUNION AND XXXX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX   COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP

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 2021-07-09
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation