BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEFINITION of Zombie Debt : I had internet service with XXXX and moved, I brought my equipment and closed the account ( XX/XX/XXXX ) and opened new account ( XX/XX/XXXX ) with XXXX at the new address, which I kept for 13 months ( XX/XX/XXXX ). The manager ensured that the account was Closed, and I never received any information that the old account was not properly closed in the XXXX system. The service at New Address was never interrupted for any reason ( such as Non-Payment ). I ended that contract ( with XXXX ) after 13 months and moved to another service ( XXXX XXXX XXXX ). 

In XX/XX/XXXX I received a letter from XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I again hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. 

In XX/XX/XXXX In XX/XX/XXXX I received a letter from I.C. System that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I was able to Dispute at ( 2 ) Credit Agencies, but ( 1 ) Credit Agency has marked the erroneous debt a Valid. I have AGAIN hired a Lawyer to Dispute the Validity of this erroneous debt. 

My Credit Score has taken an 86 Point Drop ( from high 700 's to high 600 's ). I was in process of making a major purchase, which I have now had to put on hold to correct these errors. 

The fact that Debt Collectors ( such as I.C. Systems ) will purchase bundled debt obligations without the previous Debt Collectors ( XXXX XXXX and XXXX XXXX XXXX ) scrubbing erroneous customer information is the Definition of Zombie Debt, it just won't go away. My attorney actually recommended that I pay a debt that I don't owe, but agreed that it might not be removed 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
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX is reporting an address that Ive never lived at, XXXX XXXX XXXX XXXX XXXX Tx 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 non-monetary relief
Consumer complaint received 2021-04-14
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ACCOUNT MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX {$550.00} This debt is claimed to be from XX/XX/2015. I have no recollection of it and was never notified of the debt or given the chance to cure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Ronald H. Reynolds, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Ronald H Reynolds on XX/XX/2018 stated by his letter and signature he was no longer on this account ending in : XXXX and that the creditor XXXX XXXX XXXX XXXX had recalled the account. 
Ronald H. Reynold is still collecting money for this account of {$200.00}. XXXX plus per week. Still mailing me mail about this account and created print outs in which are not correct as XXXX  print outs of how much is taken out. Ronald H. Reynolds is doing no more than committing fraud. If your not on the account why are you still contacting me & filing for updated garnishments with out mailing notice to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
regarding account as follow XXXX XXXX auto account XXXX has violated my rights is in clear violation of the law, 15 USC 1681 section 602 A states i have the right to privacy. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the writing instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report. Also violation 15 USC 1681e whenever a consumer reporting company prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-10-27
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2021-04-07
Company: EQUIFAX, 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:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROM XXXX WITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2019-03-13
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My parents were both killed in a tragic house fire this past XXXX XXXX. My brother and I, in the midst of our grief after this trauma are actively working towards selling their house and paying off the mortgage debt. Celink has denied us the courtesy of an extension to give us the small bit of extra time we need to clean up the house and get it ready to transfer ownership. We have even provided them with the purchase agreement from the new buyers and shown them that they will be repaid shortly. They say that this account is not eligible for an extension option. 

We have called them numerous times to explain our need for a small extension. We have also called the holder of the mortgage who refers us back to Celink. 

My family is hurting deeply right now as we process this horrific and unexpected loss. To be denied a compassionate and reasonable request, especially since we have proven we are taking the correct and necessary steps to repay them, is cruel and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the fair credit reporting act XXXX XXXXXXXX system violated my rights under credit fair act on XX/XX/2019. I mailed them supporting documents that the information that was reported was inaccurate 15 U.S.C 1681 section 602. A. States. I have the right to privacy.

15 U.S.C 1681 section 604.. a consumer reporting agency can not furnish a account without my written instructions.

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 2021-09-10
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX, two of my student loans were improperly posted by the lender. This caused for a 30 day late notice to be posted and reported to the credit reporting agencies. 

I cleared the error with the lender and proceeded to dispute the report with all three agencies. Experian is the only reporting agency that has not changed the late status of my credit report after more than one year of attempting to clean the reports out. 

They are stating that someone by the name of XXXX XXXX is reporting this back to them. According to the State of NJ Student Assistance/Lender, there is no such person working there. 

The late reporting could potentially hurt my chances of employment and consolidation efforts and I would like it fixed. 

The contact for the State of NJ Assistance is XXXX XXXX /Investigator XXXX XXXX. 

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 non-monetary relief
Consumer complaint received 2022-07-18
Company: Navient Solutions, LLC.
State: WA
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:
Navient is giving me conflicting information for needing to complete my IBR/not complete it, whether in forberance/or not, and not accepting the online IBR application that I've completed -- despite being directed to it to reinstate my IBR. 

I need the CFPB to sort this out. 
Screenshots below. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: KY
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian Dropped my credit score XXXX points for paying off a car loan. This hsould not be the case

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 2019-09-05
Company: TD BANK US HOLDING COMPANY
State: IL
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 just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I received a letter dated XX/XX/XXXX attempting to collect a debt for a PayPal account. I have not held or owned a Paypal account. I have attempted to contact XXXX XXXX regarding this mailing however they are requesting my social security number which I will not provide as I have been a victim of fraud and know that this is the tactics of collection agencies to try and assign debt when you give them your social. I have previously disputed this account with paypal along with other agencies by submitting a copy of the police report filed due to fraudulent activity against my social. This debt is not valid and they have failed to provide proof as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My name is XXXX XXXX, and I have Freedom Chase Credit Card. I called Chase about 2 months ago asking for an adjustment on my payment plan because I lost my job in the past and was unable to make payments on the due dates for a few months. Well now I'm stable and so I requested a new payment plan and due date. The customer service representative SAID she was able to set this up for me, and put me on a new payment plan where my credit card bill would be due on the XX/XX/XXXXof each month, and if I paid {$300.00} for XX/XX/XXXX and XX/XX/XXXXmy bill would go down to {$200.00} a month by XX/XX/XXXX. Little did I know this request was never actually put into action. Late fees started piling up, and the promise of the new plan wasn't fulfilled. I called Chase again after that after seeing my account of the late fees and the unchanged due date. The customer representative said it would be taken care of. I then call again two other times to see if it has been changed, and they reassured me it would be. Well, today, I look at my online credit card account and it still hasn't changed. They never even took the continuous late charge fess off for the last 2 months that aren't suppose to be there if they fulfilled their payment plan promise. No matter how many times I call nothing is changed or anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: MD
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:
I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.

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 2019-01-11
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a veteran that has a VA rating 100 % based on my XXXX XXXX. My loans were approved for discharged by XXXX  XXXX XXXX department. The letter stated that my loan holders had 150 days to return any payments I have made since the date of my XXXX  by the VA.

The approval letter from XXXX XXXX XXXX XXXX was XX/XX/2018. My other loans had re paid all my payments and have discharged my account and closed the account. XXXX, as of now, has yet to repay me for payments made and every time I call, no one seems to know the status of my account. I have talked to supervisors, who gives false statements to get me off the phone.

I talked to a supervisor who stated that it was the responsibility of my other loan holders to re-issue payments to me.

Another supervisor, explained that it was the responsibility of the Department of Education to discharge loans and to issue out any payments.

The 150 day period for repayment was due XX/XX/2018. I have not received any letter or phone calls regarding the status of my account and payment refunded to me.

Its sad that veterans and others get treated like this from a company who refers its lead as a place that takes care of its customers. I have XXXX   and I get so frustrated and angry when I talk to one of their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Debt was with NCC, Where it was resolved and moved from My credit report, with the help of XXXX XXXX XXXX.It has been moved to another Credit Angecy which is Transward System. This Debt has been solved, So why was it moved to another Angecy and back on My Credit Report? It needs to be Removed Again. Thank You.

Company response to consumer: Closed with explanation