BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
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 status incorrect

Complaint:
DEPT OF EDUCATION/XXXX  {$37000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information DEPT OF EDUCATION/XXXX  {$31000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information

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 2020-05-14
Company: MOHELA
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: Account status incorrect

Complaint:
Checked credit report after being diagnosed as XXXX and forced to retire. Saw on XXXX, that Mohela was reporting my student loans as adverse and unpaid. When I became XXXX in XX/XX/2018, I contacted Mohela for a forebearance extension, because of my XXXX. They advised that I contact XXXX to have my loan forgiven due to my XXXX, and they told me XXXX would take over the loan. Contacted XXXX at XXXX. Was advised that I no longer had to make payments on the loan, they would notify Mohela, and XXXX now had the loan. I would now enter into a 3-year probationary period with XXXX, and after 3 years, my loan would be forgiven. But Mohela is reporting my loan with XXXX  as adverse and closed for non-payment. I filed a dispute with XXXX  online, which they say never happened, I have a XXXX File #, and filed with them over the phone as well as mailed documents. They sent a letter back advising that they investigated it for 1 day, and changed the status as transferred to another office. I have documents to include, please. Why take this action against me because of my XXXX. I never asked to be XXXX. I just want to get back to work, which will never happen, and now Mohela and XXXX  work together to trash 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 2020-08-30
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt recovery solutions continues to contact me regarding a debt that has been discharged in bankruptcy. The original creditor is XXXX XXXX  and they were notified and then they sold it to XXXX and they were also notified, then DRS and they were notified however they continue to ruin my credit by reporting this debt as money owed with a balance when it should have XXXX XXXX and be included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: FIRST ADVANTAGE CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Employer suspended, or separated me from the company due to a Flag on third party background check. I have personally called the background check company First Advantage and properly filed a dispute. I have provided them the court summary letter and expungement record signed by a Judge and stamped stating so. They have claimed that they are reporting this information from the court house. I have personally called the court house along with XXXX, and XXXX, which they claim to have no record in there database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: First Associates Loan Servicing LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX sold this loan to First Associates. First Associates is effectively a shell company where it is impossible to have any type of discussion with someone. 

I called First Associates and have emailed them. They have confirmed that I have never missed a payment. They sent me an email reply confirming as such and a file which I can't interpret. It appears to be something meant to send to the credit bureaus. However, what they are reporting as a late payment with XXXX  is from late XX/XX/XXXX. The file they sent is itself incorrect as it shows payments stopping in late XX/XX/XXXX. This information is all correct. 

I have never missed a payment and the loan was actually paid off in XX/XX/XXXX. 

First Associates needs to update my loan with XXXX to show never late and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX {$7500.00} XXXX XXXX {$6300.00} US DEP ED XXXX {$1300.00} XXXX XXXX  XXXX {$110.00} XXXX/XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2019-03-10
Company: Innovis
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: Information belongs to someone else

Complaint:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Paid off two private loan balances in settlement. Still being reported as a past due balance to the credit beaures. I paid this off in XXXX of 2020. When I call, all they tell me is to write a letter To their credit reporting department and that they dont take calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few months ago I tried switching my phone from XXXX to XXXX. After all I decided not to because it was n't cost effective. So months go by and I am thinking that everything is clear I pull my XXXX report right before I begin negotiations on purchasing a home. I found out I have a collection from Amsher for {$60.00}. I immediately contacted them, they forwarded me to XXXX. The representative told me i have a XXXX balance with XXXX and it was an error on their part for reporting for early termination. I contacted Amsher who promised that once my account is updated by XXXX that situation so be fix, since I requested verification of the {$60.00}. While this might be only {$60.00} it has been reporting negatively on my credit. Costing my family a lot of money. I have tried reaching out but there has been no response from this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$860.00} XXXX  XXXX {$7500.00} XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$110.00} XXXX/XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER  XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2019-03-10
Company: Experian Information Solutions Inc.
State: NY
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 an authorized user on an account with XXXX XXXX XXXX that was charged off for {$140.00}. I am not responsible in any way for that charged off amount. The account is not in my name. I asked the account holder to put me as an authorized user to help me build my credit. Well now the account is charged off and is drastically hurting me when I apply for credit. I have disputed this account with the credit bureaus MANY TIMES. The most recent time was this month. I have asked the bureaus to validate that this account is reporting correctly on my credit report. XXXX has deleted the account from their file because they could not validate it to me with proof. Experian and XXXX have not removed the account. Experian keeps saying that the account is verified but will not show me any proof of verification. How is that correct? How can one account have the same information and one bureau not able to verify yet the other two are able to verify the account? That sounds impossible.

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 2019-03-10
Company: CONSUMER PROTECTION ASSISTANCE COALITION, 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:
CFPB please investigate this matter I have been disputing this account for over a year XXXX  refuses to remove this account even when it was stated in a CFPB responce this is credit manipulation at its best I have contacted, XXXX  they still refuse sent them copy of enclosed still nothing I see that you refer it ti OCC but I never get anything done or hear back from them I'm not asking for you to do anything your not supposed to do but if the FCRA laws are being violated and they are by false reporting I would think you can enact on that, there own report shows violations No date of last payment, no date it was closed just those reasons are violations to be removed .I give you permission to investigate

Company response to consumer: Untimely response
Consumer complaint received 2019-03-10
Company: Experian Information Solutions 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 a victim of identity theft ... The account is Alabama state XXXX XXXX XXXX amount of XXXX I never had this account it is not mine I filed a police report I have also filed a report with the federal trade commission.. it still hasn't been removed off my 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 non-monetary relief
Consumer complaint received 2019-03-10
Company: Immediate Credit Recovery
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently received a collection noltice from Immediate Credit Recovery Incorporated saying that I owe {$1200.00} for a previous student loan debt. I'm currently paying my student loans every month and I have never heard of this bill. I disputed the claim with the collection agency asking them to validate this information with a signed contract from me. They did not send me a signed contract. They sent me a bill claiming I owe. This bill doesn't prove anything. I still don't see where I owe this agency anything. They are not following the law by sending me a signed contract with my name on it proving that this debt is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX - XXXX Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
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 a victim of identity theft ... The account is XXXX XXXX XXXX XXXX XXXX amount of XXXX I never had this account it is not mine I filed a police report I have also filed a report with the federal trade commission.. it still hasn't been removed off my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: Complete Credit Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are trying to collect for an account that was closed and service discontinued. The collector is COMPLETE CREDIT SOLUTION. 

After BeforeClose COMPLETE CREDIT SOLUTION Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$410.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$410.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

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 2018-07-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I sent out a debt validation letter not a verification letter to XXXX XXXX XXXX asking them for validation.The letter arrived on XX/XX/2018 at XXXX the law states that collection agencies must provide proof the debt they seek to collect is accurate and they have the right to collect it.I simply stated This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I insisted that they provide me with competent evidence that I have any legal obligation to pay them and Validation of the debt. Also stated If invalidated all references to this account must be deleted and completely removed from all 3 major credit bureaus of my credit file and a copy of such deletion request shall be sent to me immediately. Within 30 days of me sending the letter they responded with a letter but it did not validate the debt in no possible way to prove I owe it or them. Now I'm taking the next step to get this inaccurate and non validated collection from hindering my credit file.

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 2019-05-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a debt reporting on my credit file from a company that indicated I owed money. This is not correct. When I lived in the apartment complex they indicated that I could use my own refrigerator and they removed the one that actually came with the apartment. When I moved out I did take my refrigerator and they are trying to charge me for my own appliance! They had possession of the one that was initially in the apartment and they agreed to me using my own. There is no money owed to that company. This is unacceptable.

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 2018-07-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX denied me of myg missing objects n claims knowing I'm going identity thief I never received any big the items I order

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30
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:
Okay clear example how XXXX works.. 

I am paying off my Student Loan in its entirety.. 

But I did a test payment first in the amount of {$5600.00} it was scheduled to come out today. 

XXXX has NOT processed the payment and will wait days. Then charge me additional interest! 

Not this time.. They were to take the payment today. 

From this moment forward any and all interest accrued from them not taking the payment with be credited back to me. 

From this day forward XXXX.. You mess with my account, as I finally pay it off and I am coming after you for monetary compensation each and every day you sit on my payment. 

I suggest when you say you will take the payment you do. You are not owed a single XXXX more!! 

I can't stand you!!! 

I will say this now that once the account is paid in full.. You are never to contact me again!!! Ever!!!! 

If you pull any shady stuff in the future I will have you in court so fast your head will be spinning!!!!! 

I will be down your throat until this loan is paid in full to ensure everything is handled properly and today is just another example of your XXXX business practices ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2021-07-14
Company: Flagstar Bank, N.A.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan servicer recently changed to Flagstar mortgage, I have submitted several request for mortgage assistance several times and received no response. I have called Flagstar Bank numerous times inquiring on status of my loan, each and every time I've called I'm told they can't find the documents that I have faxed. After I'm told they can't find the documents I'm very persistent with customer service and they finally say OH, I found your documents. Flagstar is not trying to assist me, I have been submitting documents documents since XX/XX/2021 and none of the customer service at Flag Star Is willing to assist me. I don't want to lose my house to a property foreclosure sale. Please assist 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