BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX XXXX, XXXX no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-09-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me Experian it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting 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 2018-10-31
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I traded in my leased XXXX XXXX XXXX for a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay off the XXXX lease, waive the lease termination fee because I was leasing another vehicle, and that any wear and tear was within the {$500.00} damage waiver. In approximately XX/XX/XXXX, I began receiving telephone calls from Stoneleigh Recovery Associates at home and at my place of business, purportedly relating to amounts owing on the XXXX lease. I was provided no documentation of any such purported debt and the burden was placed on me to obtain information of the amounts XXXX was seeking to collect. I contacted XXXX XXXX XXXX, who placed the burden on me to document that I relinquished the XXXX XXXX on XX/XX/XXXX in connection with leasing a new vehicle. I provided all documentation in my possession regarding the transaction, which shows that I traded in the XXXX XXXX for a new vehicle on XX/XX/XXXX. Nothwithstanding, XXXX XXXX XXXX demanded that I obtain the Vehicle Return Receipt from XXXX of XXXX XXXX, which provided a document falsely stating that the vehicle was returned on XX/XX/XXXX and identifying the " dealer '' as XXXX XXXX XXXX, an entity I have never dealt with or even heard of. XXXX XXXX XXXX refuses to accept my documentation, refuses my requests to document " excess wear and tear '' above the {$500.00} waiver, and in the meantime, I continue to be bombarded by phone calls from Stoneleigh Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: CL Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This account has been closed and charged off with the original bank and I do not have a signed contract with XXXX XXXX or Jefferson Capital Systems nor have I done business with XXXX XXXX or Jefferson Capital Systems. I have a right to demand a signed copy of such contract between XXXX XXXX JeffersonSystem and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Every year I have to re apply for the income based repayment option because I can not afford to pay {$700.00} to {$800.00} per month for my student loans. You have to apply prior to the plan running out. And each year I apply at least a month before as suggested and it still takes months to get it to go and in the mean time I am put on deferment or forbearance. I do not like these options it does nothing to assist with the interest at all so the balance keeps getting larger and larger. Each time I apply I provide my paystubs showing my income and I even provide a break down of the bills I have to pay each month as well as how many live in my home and my spouses income. Every time they keep asking Repeatedly for the information I have submitted over and over. Navient has also make it more and more difficult to locate and print out the application needed to apply. You have to call them to get someone to navigate with you to get the forms and while doing this they are attempting to collect. The automatic repayment amount of 1 % of the loan balance is way out of reach for most if not all borrowers. When you have over 30,000.00 in loans paying XXXX on top of mortgages, rent, car, insurance, utilities ect this 1 % is not feasible at all. This needs to be rethought out by the government. It needs to take into account the borrowers debts not simply their gross income. But what they are bringing home and what living expenses they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine XX/XX/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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 non-monetary relief
Consumer complaint received 2018-10-31
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX 's home sold back to Ocwen on XX/XX/2018. There was a 6 month redemption period in which Mr. XXXX had planned on gathering funds to redeem the property. Ocwen and their attorneys were notified of Mr . 
XXXX 's intention to redeem. On XX/XX/2018 Ocwen was sent a request for the Redemption Payoff Amount. Ocwen 's attorneys advised that it would take 4-7 business days to calculate and notify Mr. XXXX. Mr. XXXX did not receive the redemption figures until XX/XX/2018. On XX/XX/2018 Ocwen requested a call on XX/XX/2018 to discuss the logistics of the redemption. On XX/XX/2018 Ocwen sent Mr. XXXX a Notice to Vacate expressing their intentions to initiate eviction proceedings. 

Ocwen has violated Regulation X, 12 C.F.R. 1024.41 ( g ), by failing to honor Mr. XXXX 's request for redemption and by advancing foreclosure during the redemption negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: LA
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I received notification from my credit monitoring service of a new collection item added to my report by Eastern Account System. I performed a search to verify contact information reported, then originated a phone call to the collection agency to inquire about the item? The agent confirmed they are collecting account, I updated my address and ask them to send written validation about the debt as I am disputing it. On XX/XX/2021, I followed up with a written request via certified mail # XXXX. My certified letter was returned to me on XX/XX/2021. I still have not received any written communications about this debt. The collection account is currently reporting as closed with a full balance still owed, without validating the debt. Additionally, the agent did not provide me with the contact information of the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I fought with XXXX XXXX to get this account removed from my credit files because they had reaged it. Now I know why they did, it was to sell it to a collection agency. Midland credit management inc., is trying to collect from this account. I would like to receive verification of this account, to verify the dates with my records. The account should be out of the statute of limitation as of XXXX of this year. California statuet of limitation is 4 yrs. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was trying to use the XXXX app to withdraw some money from my next check but my PNC bank account stopped allowing access to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: First National Collection Bureau, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  is reporting an account that does not belong to me on all three major credit bureaus, XXXX, XXXX  and XXXX. The account was opened XX/XX/XXXX under my name and information. I have have sent in several request to XXXX and XXXX to remove the account from my credit files.I spoke to someone a week ago and they informed me that the account was sent to First National Collection Bureau INC. and they now are trying to collect for XXXX XXXX XXXX under account number XXXX. I contacted First National Collection Bureau INC. and asked them to send me documentation of bearing my signature that the account belongs to me, I also informed the man on the phone that I was a victim of Identity theft and he said he would send me the information I requested. As of today XX/XX/XXXX they have not sent me that information and are still reporting the negative information on my credit files as a charge off. I have requested on several occasions for XXXX XXXX XXXX to remove the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has me listed as be deceased resulting in my card card at XXXX XXXX being blocked. I first reported the inaccuracy in XXXX. I have tried everything to get Experian to believe I am alive.

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 2019-06-18
Company: Collection Bureau of the Hudson Valley, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a former customer of XXXX XXXX, subsidy of XXXX XXXX. I purchased internet service from XXXX and leased a modem from the company. I disconnected the service XX/XX/XXXX ; paid the final bill ; and returned the company modem to XXXX 's XXXX, Texas location as directed by the company. 

XX/XX/XXXX I received a bill from XXXX regarding a balance due of {$82.00} for the 'unreturned ' modem equipment. I responded by advising my account is paid in full and the equipment was returned to the company as directed by the company and provided proof of delivery to and receipt by the company in the XXXX, Texas location. Later in XX/XX/XXXX, I received a collection letter for the account balance from XXXX XXXX XXXX. I responded to the collection agency with the same information I provided to XXXX including copies of the proof of equipment return. Although I requested written confirmation of my statement and more importantly, removal of the negative information falsely reported to the credit reporting agencies and codified on my report ; I did not receive any confirmation from XXXX nor their collection agency and presumed the matter closed. 

XX/XX/XXXX I received a new collection letter from a different collection agency demanding the same amount for the same reason. I have responded to the collection agency with the same information and proof false claims made by XXXX. XXXX XXXX dba XXXX XXXX has filed two false and fraudulent claims against me. Research has concluded that this fraudulent practice is very commonplace by the company and my complaint is far from being a lone complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted equifax and have advised them that I am a victim of identity theft and have sent over a police report for the ongoing investigation involving XXXX XXXX sheriff 's office and atleast 1 person in question as a suspect in taking out loans and other debt in my name without my authorization. The debt from XXXX energy is a result of identity theft and does not belong to me I have contacted the company and have not gotten a response from this company with any evidence other than a itemized bill that could substantiate that this debt indeed belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: MI
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 contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX  XXXX, XXXX  no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX. XXXX calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, unemployed, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.

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