BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: Experian Information Solutions 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 have disputed a collection from XXXX XXXX XXXX a total of XXXX times to Experian Credit Bureau stating this account does not belong to me. My 4th dispute sent via certified mail, Experian received it on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX Experian notified me via email that my dispute was open. On XX/XX/XXXX at XXXX, just a few hours later I received an email stating my dispute results were ready to view. I reviewed my credit and my score dropped even more. XXXX XXXX XXXX reported to Experian the beginning balance was {$8500.00} to {$8300.00} in the month of XXXX as if a payment had been made to them which is absolutely absurd. I have never made a payment to this company nor ever had an account with this company. There is not an inquiry on my credit report to support XXXX XXXX XXXX accusations. I submitted my credit report to show proof from other bureaus that my credit worthiness is outstanding and that there are no collections, {$0.00} balances on every account that I pay in full monthly and never late on my report. This collection has hurt my score tremendously. Experian has failed me as a consumer. There absolutely was no investigation and Experian Credit Bureau never verified this dispute that was submitted over 90 days ago. My dispute letters to Experian are as follows : XX/XX/XXXX... XX/XX/XXXX... XX/XX/XXXX... XX/XX/XXXX. Experian has 30-45 to verify but yet my disputes were closed in less than 30 days. No investigation nor verification by Experian Credit Bureau.

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 2017-11-17
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX. I received a debt collector letter how much I had to pay. I responded on XX/XX/XXXX. I requested for a validation and still waiting for respond. XX/XX/XXXX I found out it was reported on my credit report. The letter states that I have 30 days if I do n't respond they will report to the credit bureaus. IC System has violated the US Code Title15, Chapter41, SubchaterV- debt collection practices.They reported early to my credit bureaus at the XX/XX/XXXX day. Unfair and false statements. I contacted the credit bureau and sent in the docs and was removed. They do not have the right to do that. I looked in to the company and they really have bad ratings. This company should be fined for improper activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Shame on you CFPB how can you let this continue to happen, always all kinds of problems when companies use an auto dialer. I filed a complaint weeks ago and the company responded saying they found no proof. 

I am still to this day, even after contacting them in XXXX! We are still receiving receiving automated calls several times a day, caller ID indicates Navient or XXXX XXXX XXXX. If the phone is not answered they leave a message stating this is XXXX XXXX XXXX, if this is XXXX XXXX, the law requires us to notify you this is an attempt to collect a debt and information obtained will be used for that purpose. 

The caller ID is XXXX, XXXX, XXXX repeating several times a day. Since its the same message if I hang up without listing to it, it will call back repeating the same daily fashion. It is calling my landline phone consistently daily, not allowing to be opt out. Calls come from these numbers which if called, it rings busy. They are even spoofing the phone number to be XXXX XXXX XXXX I believe I am due damages of excessive calling and not allowing me to opt out of these messages, it leaves messages on the machine which indicate it is a debt collector. I have called asked them to stop one time it was a live person and I advised them it was a wrong number and advised them never to call the number again. they resumed calling the next week, and still do as of today. This time it is XXXX XXXX, last time it was. I even put this information in the followup complaint with CFBP that they are calling my phone number ... They are still calling my phone number they are calling is 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 2018-08-16
Company: Resurgent Capital Services L.P.
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:
on XX/XX/2018, I received a notice of assignment from a company called resurgent capital claiming i owed money to them from a debt from XXXX XXXX. I responded with a letter on the same day via return reciept certified mail. I requested they provide proof of this supposed debt, and also stating that i was disputing this debt. They responded on XX/XX/XXXX with a letter dated XX/XX/XXXX, stating i had to inform them in writing ( which i already had ) that i dispute this account. I responded that day with another letter stating i had already in fact disputed this supposed debt and that by sending me another request for me to put something in writing, they had violated florida debt collection practices, two days later they sent me a generic statment of account from there own computer system, attempting to pass this off as proof of this debt. I responded this morning, andd informed them that since they are unable to provide proof they are to cease and desist immediatly from contacting me or attempting to collect on this supposed debt. theey have violated the FDCPA by calling my husband on his cell phon regarding this debt and have failed to provide any proof of this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made a payment to National Credit Systems , Inc on the XXXX of XXXX, 2019 and as of today the XXXX of XXXX, 2019 I have not received any notification for the payment of {$150.00} made, neither they did not notify XXXX XXXX apartment about the payment made and this is affecting me negatively to get a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to Midland Funding ( a debt buyer ) to delete the inaccurate information from my credit report. As of today ( XX/XX/XXXX ), Midland Funding continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. Midland is a CA and not a factoring company ; thus, I have no contract with this company. Further, this company  has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. I've even sent letters to Midland and they have failed to validate the debt. Moreover, the account is reporting inaccurately and is in violation of FCRA. I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. Midland is a typical debt buyer who violates the law and fails to prove they own the debt as a judge would require in court or validates the debt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Optimum Outcomes Inc ( XXXX ) left 17 voicemails ( in just the past 3 months ) and numerous other calls ( some I picked up ) from a debt collection agency, calling every week, not even for me, or debt I owe, for someone I have never even or even heard of ( " XXXX XXXX '' ).

I have been on the Do Not Call list since 2011, and have owned my phone number for over 15 years. No one else but me ever uses my phone, or number. I blocked the debt collection agency and thought the problem was solved ... 

Until today. I just found out that I've missed multiple time-sensitive phone calls from my doctor because this debt collection agency refusing to stop calling and filling up my voicemail. Their actions have resulted in real medical damage to my body. 

THIS IS NOT MY DEBT. 

I am NOT the person they are leaving voicemails for. Them repeatedly calling and filling my voicemail caused me real MEDICAL DAMAGE and I want them held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I receive solicitations in the mail from Tower Loan. I have been to the office in XXXX, MO to request that these are no longer send to me. I've called the business directly and made a request to not send me solicitations. Every time I speak with somebody they promise to remove my information but that ultimately doesn't happen. I've added my information to the FTC 's database for out-out indeterminately in the pre-screened credit offers. 
https : //www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers I  consider these letters I receive in the mail as spam and given the multiple requests to cancel them, harassment. This portrays a company as deceitful and showing no respect for their consumers. I no longer wish to ever do business with this company ever again based on their actions

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: KEYCORP
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2018, I paid off the balance of the sellers loan, at the XXXX ID. branch of Key Bank. It has been seven weeks and no title has been sent. Myself and an assistant have made over twenty phone calls regarding this, with no resolution. As a result, I am unable to register the vehicle. Oregon allows only, two 21 day temporary permits witch we have exhausted. The Vehicle is now useless, and undrivable. This vehicle was to be used as primary transportation, and now must be parked until we get this resolved. This has created obvious and unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 would like to file a complaint with Transunion LLC, XXXX, and XXXX credit burues. I have sent them now the 5th dispute letter today XX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of 2019 - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XX/XX/XXXX in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be removed.

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 2021-09-20
Company: OneMain Finance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I made a payment of {$190.00}. On the reverse side of the bill it stated that I could make a " principal only '' payment to save money. I followed their instruction and paid {$190.00}, the receipt said my balance was a total of " {$5700.00} ''. When I made my payment the following month ( today XXXX ) the balance went it to XXXX. She stated it was because interest payments need to be made with principal only payments. That was never told to me. Furthermore it doesnt make sence for me to pay my bill, only for it to increase the next month. I feel they do this intentionally to charge more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: HW Holding, Inc
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 complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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:
Reinserted previously deleted information. This information has been previously deleted from my credit reports. It is very old inaccurate information from 2011. I have numerous loans with XXXX XXXX ( and currently 2 loans with XXXX XXXX XXXX since this time and they agreed previously to remove it from my credit report. 


XXXX XXXX Other Loan Late 30 Days {$0.00} XXXX XXXX 2011

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: EOS 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: Problem with personal statement of dispute

Complaint:
I requested proof of ownership, with any documents bearing my signature as proof and all I received was an itemized bill. Then On XX/XX/2019 it was removed from my credit report, only to see it back on my credit reports and I am again receiving letters and phone calls regarding this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Nextep Funding LLP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to the company on multiple occasions for the past year, and I have been ignored and made felt to be a liar. I have provided them with proof that this account is not mine, and they still have not take any action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions 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 got a notice from Experion indicating information had been reported to them by a creditor. When I reviewed my credit report, there was an item listed from XXXX XXXX which indicated a past due balance. It listed the original creditor as XXXX XXXX. Since I have never had an account with XXXX, I disputed the information. Experion came back that they reviewed the information and determined it was accurate. Since it is not my account, it is obvious that they are completely incompetent to be in possession of sensitive financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Commonwealth Financial Systems, Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2018 I paid my collection XXXX. I did contact the collector and they sent me a letter showing that they reported it being satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I refused to commit fraud at their request and my loan modification was cancelled. My son is on the deed and they requested he sign a release he did and they refused it stating it had to be in cursive, my son has always printed his name. I disputed this multiple times on phone Filed complain with OCC they referred to CFPB. I was threatened with foreclosure during the entire call. Chase said to send in copy of drivers license on XX/XX/2019 and XX/XX/2019. I was told I would receive a letter of confirmation so I could send in a copy of his license. During that call chase also stated they sent loan modification out to all and every borrower who was behind on their payments, I questioned this because I had been trying to get one for  the last three years and was denied for miscellaneous reasons. I attempted to make payment of {$230.00} several times in XXXX but it was refused finally the Executive office contacted me on XX/XX/2019. Said my modification defaulted XX/XX/2019 for failure to send in fraudulent document. She advise me I would have to bring loan current no other options. I advise her of previous conversations and I never received notice it had been cancelled but my XX/XX/2019 reduced payment amount was accepted. I told her I was not going to commit fraud. She said she would research but I would have to bring the loan current or be foreclosed upon. The reduced payments have made the loan even more delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the following two accounts ( XXXX XXXX XXXX and XXXX XXXX ) are inaccurate accounts reporting under my name, these are wrongful accounts located under my name, please find attached the FTC report and the police report for these irrelevancies, i have already sent this paperwork and many disputes to transunion and XXXX but they have not been of any help.please as a consumer i need you r help to have these two inaccuracies removed from my both transunion and XXXX credit file 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 explanation
Consumer complaint received 2018-08-16
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 was scammed by XXXX when I ordered a sample of their product ; instead they charged my account {$87.00}. I called Chase right away and told them it was fraud, explained I ordered a sample and was only to be charged a small mailing fee. They canceled my card and sent me a new one ; however, they re-charged my account {$87.00}. When I called them again to explain this is fraud as I didn't order anything except a sample and shouldn't be charged, they would not assist me. They will not reverse this charge. When I called Chase I also called XXXX  and canceled any account they say I might have ; when I called them today, they said " you lost, good luck '' I feel scammed twice over ; once by XXXX and then by Chase. I do have a letter from Chase dated XX/XX/18 charging me again for the {$87.00}. I also still have the box the XXXX came in.

Company response to consumer: Closed with monetary relief