BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
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: Account status incorrect

Complaint:
The following accounts/items do not belong to me. Please delete immediately. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX this account is not mine. Action Requested : Please  Delete the entire account from my credit report. 

XXXX XXXXXXXX XXXX account is not mine. Action Requested : Please delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXXXXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account 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 2020-09-22
Company: NCSPLUS INCORPORATED
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: The Outsource Group, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed some discrepancies in what I received from Medicredit and what is written in the 12 CFR Part 1006 ( Regulation F ) ( XX/XX/2021 version ) and ( FDCPA ). I have not received any sort of validation notice after the first 5 days of being contacted. XXXX. The letter I received does not include : a tear off form that you can send back to the debt collector to dispute the debt or take other actions or ANY information on how to dispute the claim XXXX ( c ) ( 4 ) an itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization dateXXXX ( c ) ( 2 ) ( vii ) XXXX ( c ) ( 2 ) ( viii ) The last payment date, which is the date the last payment was applied to the debt XXXX ( b ) ( XXXX ) ( i ) Proof of ownership of the debt Proof that Medicredit is authorized to collect on behave of the original creditor and any details debt collectors authority to collect this money.

Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failed to verify debt. The account is not accurate on my credit report. information is different on XXXX  XXXX XXXX. its hurting my credit score and its not accurate. information is breaking the Fair reporting Credit Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Conn's, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019, two accounts were opened under my name at CONN XXXX. One was for {$11000.00} and the other {$2500.00}. I called them XX/XX/2019 and told them that it was fraud. I filled out an Identity Theft Victim 's Complaint and Affidavit in XX/XX/2019 and a Police report in XX/XX/2019. After many attempts, XXXX XXXX in the fraud department at CONNs Appliances denied my claim. After many many disputes, the two credit cards are still showing up on my credit report. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been making payments on my student loans since XXXX to XXXX XXXX XXXXXXXX XXXX, prior to finally being told in XXXX ( after multiple calls with difficult customer service representatives ) that my loans needed to be be consolidated to receive credit for public service forgiveness, although I had made been making payments for XXXX  years prior. Subsequent to consolidation, while working for the XXXX XXXX XXXX XXXX, I have continued making payments, all while making a minimum salary to help support my family which included XXXX kids in daycare. Additionally, after submitting documentation for XXXX in XX/XX/XXXX my status remains as " processing ''. I have called multiple times to inquire only to wait for hours on hold and then be hung up on by the representative. Poor customer service, avoidance tactics, and excessive processing times add to the financial burden of student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was affected by Hurricane Harvey, XXXX XXXX did a 12 month forbearance on XX/XX/2017 and now they reported late payments to my credit report lowering my credit score 100 points. I never received a delinquency notice or email or phone call about late payments. They don't want to remove negative credit reporting and i need a loan to fix my home. I lost everything and this is the last thing I need! I need to rebuilt my life. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: Bread Financial Holdings, Inc.
State: PA
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:
I want XXXX XXXX  to answer, IN DETAIL, my questions. They tell me they have answered my questions, but if they read my letters they should understand that they really have not answered them at all. And that some of these questions have been unanswered since, at least, XX/XX/XXXX. And Ive been calling almost every month since XX/XX/XXXX when they took this account over. 

Answers of your account is right or we previously answered your questions and have not received and additional information supporting your claims are all untrue. My letter of XX/XX/XXXX gave them copies of 5 charges I made to the account. My letter of XX/XX/XXXX included a 6th receipt dated XX/XX/XXXX that was an adjustment - A CREDIT, NOT A CHARGE. 
They claimed they have matched the receipts to the statement. But there is one plan that I dont understand, I have no receipt for it ; and all they will say is that it is right. WHERE IS THE RECEIPT FOR THAT PLAN ( XXXX ) Here is the match of the receipts against the payment plans. 


RECEIPT DATE AMOUNT PLAN PLAN NUMBER STATUS : XX/XX/XXXX -- XXXX XXXX INTEREST/IN FULL 12 MONTHS XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XXXX MONTH/ {$120.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX XXXX MONTH/ {$80.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX -NO INTEREST 12 MONTHS FULL XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX -REVOLVING NO PLAN NO BALANCES EVER SHOWN ON STATEMENTS -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XX/XX/XXXX STATEMENT SAY -WHERE IS THE RECEIPT FOR THIS??? WHAT IS THIS FOR? 
-PAYMENT PLAN XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT I HAVE NO RECEIPT FOR A XX/XX/XXXX CHARGE RESULTING IN A PAYMENT PLAN. PLEASE PROVIDE A COPY OF THIS CHARGE. AND IF MY XX/XX/XXXX LETTER IS READ I INDICATED THAT THE ADJUSTMENT ON THAT DATE WAS {$230.00} CREDIT WITH A CHARGE OF XXXX TO GIVE MY ACCOUNT A {$50.00} CREDIT AND WAS HANDLED ON THE XX/XX/XXXX AND SHOULD NOT BE A PAYMENT PLAN IF THAT IS WHAT YOU WERE DOING. 

PLEASE ANSWER THIS!!!!!!! 

P.S. Sending copies of all the statements is not an itemization of each of these plans and the revolving. I sent what I was able to do in letter of XX/XX/XXXX. Answered only with " already answered '' and IT WAS NOT! 


XXXX has copies of receipts for 5 charges and 1 adjustment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I sent a letter to your company for help dated XX/XX/XXXX, because I applied a Loan Modification Reduction of Principal in XXXX to XXXX XXXX XXXX because the property decline in value and this is our primary residence.The original Principal balance in XXXX when I bought the property was {$600.00}. The Loan was transferred to Carrington Mortgage Servicing and. I initiate applying a Loan Modification Reduction of Principal I received a Monthly Bill Statement and I am making a payment of XXXX for the month of XX/XX/XXXX and for the month of XX/XX/XXXX {$1800.00}. My outstanding balance is {$330000.00} and I made a total payment of {$340000.00} based on the Statement I received from XXXX XXXX XXXX. The Market Value is {$420000.00} and instead of helping me Carrington Mortgage Services denied my application and close my file and put my property in Auction and sold my property back to XXXX XXXX XXXX XXXX XXXXXXXX and make a profit of {$88.00} XXXX and I did not get a single XXXX. 

I am asking your full and kind consideration to help me please in this matter. Please refer to my letter I sent to your company CFPB dated XXXX XXXXThank you. 

Respectfully yours XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Since 2014, Experian remains the only credit bureau that hasn't been able to provide me any documentation ( credit freeze and annual credit report ) electronically, only ever by mail. This is incredibly inconvenient because I have been studying abroad and don't have a permanent address in the USA. Additionally, it requires additional paperwork to be filled out and submitted, which I wouldn't mind except that this has now been going on for 4 years for no reason that I can see. To me this is fraudulent. I don't have the resources, time, or power as an individual to resolve this repeated issue.

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 2018-08-16
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX is incorrectly posting a 30 last to my credit file. This is been negatively effecting me for more than 8 months now. They have admitted that were wrong and sent the late payment I was forced to pay back ( as see by the documentation that I have uploaded to this complaint ). It is not right and an inaccurate repot of 30 days late they can't send me a refund but continue to post that I was late. P

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 2021-03-04
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/21 I sent the Bureaus a letter in dispute of INACCURATE/ FALSE reporting I found on my credit report. I feel that these accounts are adversely affecting my credit report and because of it I pay thousands in interest every year. I need this problem fixed ASAP I will not wait another 45 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$670.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXXXXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I ordered a XXXX XXXX XXXX via internet on XX/XX/2020 at XXXX XXXX   XXXXXXXX XXXX XXXX  for {$61.00}, order # XXXX, and paid through Pay Pal. The company advertises that it is XXXX Owned and Operated and facilitates shipping from NY and LA. On XX/XX/2020 my package arrived tracking service : XXXX XXXX XXXX XXXX   XXXX NOT from the USA as advertised, but from XXXX XXXX I was supposed to receive a XXXX, steel drum measuring 40cm x 40cm x 18cm, wrapped in hand-woven rattan as pictured and including all accessories listed. Instead, I received a tiny steel drum that measured 15.24 cm x 15.24 cm x 10.16 cm, NOT wrapped in hand-woven rattan, and missing accessories. I opened a dispute with Pay Pal on XX/XX/2020, Case ID : XXXX Transaction ID : XXXX. I explained I did not receive the item I purchased. They contacted the seller ( now using the name XXXX  ) and the seller said that if I returned the wrong item to XXXX, they would offer a refund. I complained to Pay Pal that XXXX XXXX did not send me what I ordered and the seller needed to send me a pre-paid return label so that I may return their wrong item back to them. Pay Pal said that even though it was that companys error, I had to pay for return shipping and return it to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I went to the post office to get an estimate and was told it would cost {$58.00} to return the package. I contacted Pay Pal back and reiterated again that I did not make the error and could not afford a return shipping cost of {$58.00} for an item I did not order. They told me that if I didnt return it, they would close my case and deny my dispute. Today, XX/XX/2020 they closed my case and denied my dispute. 
XXXX is clearly a fraudulent company. They are falsely advertising that they are a USA Owned and Operated company. They purposely send out low value items, in place of the original purchased XXXX. Then, duped customers must spend huge sums to return these unordered items. Pay Pal is facilitating this scam through their unfair return policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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 information incorrect

Complaint:
The 3 Credit Bureaus are reporting inaccurate information on my account and it is hurting my credit score and stop me from from XXXX XXXX during these hard times I sent in 2 letters stating that they aren't reporting accurate information on my credit report I recently made an account with XXXX  XXXX and the facts are right there I can upload supporting documents to show my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have some disputes that I am trying to review and Equifax once again has pulled down their dispute website page : It is happening quite frequently. If they are unable to give us reports and correct info then they certainly should not be sharing our credit information with anyone else. You can not reach them by phone either. Right now Consumers have no control to keep their credit score in tack. Scary enough what they have done and now they are stopping us form submitting on line disputes, this service is always temporarily down for service? It 's not okay! 

Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft yet your company XXXX has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account XXXX XXXX in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.

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