BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting 8 student loan accounts across all three bureaus XXXX Equifax, XXXX and XXXX ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was scheduled for an appointment on XX/XX/XXXX for a " XXXX XXXX XXXX '', which entailed screening for XXXX XXXX XXXX as well as XXXX screening, among other things. In XX/XX/XXXX I was called with regards to collection of this " medical debt '', which confused me due to having medical insurance. I was instructed to submit a payment to prevent this debt from being reported to credit bureaus and so I submitted a payment of {$36.00} to XXXX XXXX XXXX XXXX to stop the calls. The same day I had called my insurance company ( XXXX XXXX XXXX XXXX Texas ) and it was revealed to me that I did not have a financial obligation towards this debt, and that my out-of-pocket cost for this procedure is, in fact, {$0.00}. I was further instructed to disregard any requests for payment as they are not valid. 

XX/XX/XXXX I had called my insurance provider again due to receiving phone calls stating I was not honoring the payment plan i had initially set up in XXXX XXXX.At this point it was sent to a debt collector ( XXXX XXXX XXXX ) for payment. I had spoken to an agent XXXX XXXX of XXXX XXXX XXXX XXXX of whom called the collection agency and spoke on my behalf regarding this debt, and stated the fact that it was not valid. She submitted documentation of my financial obligation via email. This debt has since been sold to the Financial Corporation of America. They continue to call me in reference to this medical debt that I do not owe. I have also explained the same situation to them in vain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, INC.
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:
On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All of the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: U.S. BANCORP
State: KY
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: Information belongs to someone else

Complaint:
I went to my brothers to pick up my mail and there were several different statements from banks of accounts that I supposedly had and credit cards that were sought out in my name. I did not open any of these accounts except us bank and I did not make 99 percent of these transactions. I opened this account to leave for saving money and for bill payment only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: AES/PHEAA
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. Please furnish the name of the original creditor ; Please furnish the address and phone number of the original creditor. 
2. Please furnish the name of the person who verified the dispute with the original creditor ; 3. Please furnish a copy of the original contract showing my social security number to prevent identity theft and state under penalty of perjury that your client is the party in interest of the contract and will produce the original for my own and a judge 's inspection should there be, trial to contest these matters ; and 4. Please produce account and the ledger Statement showing the full accounting of the alleged obligation you are now attempting to collect. 

5. Please furnish the license of the person collecting on the debt. 
6. Please furnish the cusip information for the application. 

Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i recieved a mark on my XXXX report XX/XX/ 2018 that i owed GC services {$1300.00}. 
Collection Agency GC SERVICES Original Creditor XXXX XXXX Status Open Opened Date XX/XX/2018 I  did not recognize this company and upon research discovered that it was referred to them by XXXX whom I do not have a account with for a number of years already.. 
i attempted to both call and email the company but have still not recieved any response. 
I disputed this with XXXX who upheld the claim despite the fact that they have not provided any documentation for the bill. 
I have since found out that the bill should belong to a family member instead of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX : Reliant Capital Solutions tried to claim a student loan that was paid 2 years ago was in default. When I claimed it was paid in full already the gentleman suggested I contact the University and confirm the debt was already paid and left me his direct line. He also mentioned debt consolidation as one of their " solutions '' at the end of the call if I happened to need those services. Gave me the number XXXX EXT XXXX to call back. 

XX/XX/XXXX : Reliant Capital Solutions claimed a student loan was in default as of XX/XX/XXXX. I let them know it was already paid and had contacted the University plus check my credit reporting. No bad marks -- obviously a scam call. They did not give me a number to call back that time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX  XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Navient Solutions, LLC.
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:
For all three credit bureaus, my 8 active loans with Dept of Ed/Navient are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that Navient has to update the information. When contacting Navient, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
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:
There is a company called XXXX XXXX. I have reached out to the bank and they verified that I have not made any late payments or settled for anything that experian should be reporting under a negative area that should be keeping me in a negative area and effecting my life. Experian is guilty and has a history of being difficult and dishonest

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 2018-10-15
Company: Santander Consumer USA Holdings 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:
On XX/XX/XXXX & XX/XX/XXXX, i called Santander consumer to explain to that I went through multiple family deaths within this year and last year & have been unable to pay my bills on time, I wanted to see if I was able to get a goodwill adjustment and what I was told NO they can not and will not do any adjustments and they dont like to keep received emails asking.I informed they that I was really sorry and will most def pay on time for the remaining time on this contract with them she didnt want to hear what I had to say. I informed her I was contacting CFPB & she said it didnt matter nothing would change. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: AES/PHEAA
State: IL
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:
Since The induction of the Public Service Loan Forgiveness ( XXXX ) I have contacted my loan servicesor, XXXX XXXX XXXX XXXX XXXX and the Department of Education regarding the payment plan and application. Each year I was informed that I was in t he correct getting payment plan. As I would be told by a representative that I was in the correct payment plan and that I am in the program for the PSLF. 

As I do each year, I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was informed by a representative that I was not in the correct payment plan, and they would have to transfer my payments to XXXX XXXX XXXX. 

When I had my payments transferred to XXXX XXXX XXXX, I was told by their rep that I was not in the correct program and that I only had 20 qualifying payments for the PSFL. 

I dont know which servicesor provided the correct information. I believe that pay more qualifying payments. 

I called MY XXXX XXXX XXXX today and spoke with agent # XXXX. He was extremely patronizing and disrespectful regarding my student loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, I emailed & called Equifax to remove inquires that I did not authorized. I spoke with a US Rep that was handling my request. I was going over all the inquires on my credit report that shouldnt be there which is all besides like 2. As I  was going over this I can hear in his voice how he didnt care but I just kept going so after I informed him of everything all he said was I will not to contact the companies that placed the inquires and I stated I did but they stated I needed to contact yall so both companies was giving me the run around. I would love for you to speak with them to see if they can remove these unauthorized inquires off my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
opportun is falsely reporting my acct. on XXXX my credit report indicated that my balance increased between XX/XX/XXXX and XX/XX/XXXX and that my balance increased from {$490.00} to {$510.00}. Also that I am 30 days behind. This is incorrect. 

I made the following payments {$100.00} on XX/XX/XXXX, {$50.00} and {$14.00} on XXXX. Between XX/XX/XXXX and XX/XX/XXXX my balance should of been around {$390.00} not {$510.00}. 

I spoke with A mgr at ( XXXX ) XXXX on XXXX who informed me that they report a month behind and that my report is reflecting data from XXXX. If thats the case then why does it state between XX/XX/XXXX and XX/XX/XXXX. 

I did dispute through the credit bureaus and Oppprtun indicated it was correct. 

Please have this investigated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint and the company did not reply to the two accounts I am disputing. for account numbers XXXX there are two different TSI account numbers XXXX the amount is {$260.00} and for XXXX the amount is {$730.00}. The bill that I have from TSI is for {$970.00} and it appears my insurance paid part of the bill. My Co-Pay should have only been {$100.00}. The amounts they are trying to collect is incorrect. On my credit report under TSI the only bill thewy are showing is {$730.00} which is another incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Mercedes Benz Financial Services
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX of 2017, my wife and I leased a vehicle from Mercedes Benz of  XXXX, Tn. We were not advised that in the course of leasing our new vehicle we were not advised that we were being billed XXXX dollars and were rolling this amount into our lease agreement. This amount was supposedly from a previously leased vehicle which was turned in at the time the new lease was signed. Attempts have been made to discuss this problem with the dealership, with no response. In addition have filed a complaint with Mercedes Benz Financial, who is lease holder, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Medical Data Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Io whom it may concern. I'm writing this letter in dispute of the Medical Data Systems debt of {$140.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I should have received a letter from the collector which includes all of the following : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor To my knowledge I had not received such a letter. The collector may be in violation of the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Financial Credit Network Inc
State: CA
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:
Between XX/XX/XXXX and XX/XX/XXXX a new account in collections was added to all three credit bureaus on my credit report. The collection agency is XXXX XXXX XXXX. The original creditor says its XXXX XXXX XXXX XXXX. 

This account was added to my credit report with NO written notification sent to my address. Please send an original contract with my signature if this account is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently contacted XXXX XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXXand have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL ) XXXX, XXXX XXXX   ( Original Creditor : XXXX IDAHO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor 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 2021-04-08
Company: Controlled Credit Corporation
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I received mail from a debt collection company named Controlled Credit Corporation claiming I owe {$1100.00} to XXXX XXXX claiming this is the second letter they have sent. As of current I owe {$0.00} to XXXX and my account with the hospital is in good standing and has been in good standing with {$0.00} balance for two years. I have never received any correspondence from Controlled Credit Corporation on till today XX/XX/2021. I have called XXXX XXXX to verify if I have any outstanding debt and they said I did not and havent any idea who this debt collection company is. I do not owe any money to XXXX XXXX and this assumption I owe this money is fraudulent. This company is trying to collect money from me that I do not owe.

Company response to consumer: Closed with explanation