BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Midland funding To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXX/DEPT OF ED : XXXX -- -> : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I bought an order like a bracelet for XXXX $ to give as a gift for the most important day but this item is lost but i don't know how to contact the person who sold it 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 2023-08-30
Company: MOHELA
State: TX
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:
On XX/XX/23, I called Mohela they left me on hold for XXXX hours so I could speak to a supervisor. I asked for them to look into payments that were not being covered under XXXX. Could not provide an explanation as to why payments were not being counted. A month ago I spoke to someone and they saw the discrepancy and stated they were in training I waited on hold for an hour only for the agent to tell me she could not get a hold of a supervisor and they would have someone call me back. No one ever called me back. The month before that I was told my payments were just not all counted yet and to give it more time. Each time I call its a different answer or excuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a credit alert on XX/XX/2022 stating someone just viewed my credit, I proceeded to add a Freeze on my credit report. I contacted XXXX on XX/XX/2022 after I noticed both inquiries from XXXX. of XXXX XXXX and XXXX XXXX that weren't mines and spoke with a Supervisor by the name of XXXX who suggested I fill out a FTC report and fax this form over to have the 2 inquiries removed from my reports. I sent over the FTC report with my I.D . and social security card and the inquiries are still on my reports.

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 2023-09-29
Company: OneMain Finance Corporation
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency called me 21 times in a row, never left a message. I had to reverse lookup the number to find out its Portfolio Recovery. I have no idea what they are calling about. I tried to call back and received a customer not available message from the phone carrier service. To call someone 21 times in a row is harassment and they need to be dealt with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield called my cell phone and I could not answer. I called them back to find out that they were collecting on a rental agreement for my son that I co-signed on. My son is responsible for paying that debt, so I wanted to know how much was due, how much he had paid already, and the last date of payment. I let them know that I will not be paying it, but I can guarantee they will be hearing from my son who is responsible for the debt. After this conversation, Hunter Warfield called me right back to try to set up payment arrangements again after I let them know that they would be hearing from my son to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Navient Solutions, LLC.
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:
I recently moved to XXXX to escape an XXXX   husband, my income did not change in USD, I am just now paid in CAD - same company. I was originally making approximately $ XXXX in the US pre-tax, post tax it was about $ XXXX. When I originally certified for income based repayment based upon those numbers and my marriage, I was paying {$0.00} a month. 

After the divorce, I went through the re-certification process again, and although my income did not change, now Navient is claiming I owe {$470.00} a month. This was originally based upon me providing a letter from my employer in XXXX advising that I make {$100000.00} a year CAD. I was told this specifically by a Navient employee in XXXX, and was told to resubmit my application based solely on my XXXX tax return and not using any letters from employers. 

I did this, and it came out yet again to {$470.00} a month. The woman I spoke with after this - on XX/XX/XXXX - said that it was another mistake on their part, that based upon my $ XXXX $ XXXX AGI I should be paying {$360.00} a month, and advised that she was putting notes in the file so that someone would correct the issue. I never heard anything back, and logged in on XX/XX/XXXX to see that I am still being told I owe {$470.00} a month. After about an hour on the phone with various people - all of whom stated that this {$470.00} a month was based on my $ XXXX XXXX, I was finally informed by a supervisor - who had also erroneously claimed that this was based on my $ XXXX XXXX - that I was right the entire time and the {$470.00} WAS based on my $ XXXX CAD income being treated as $ XXXX XXXX, which had I been stating all along throughout this phone call. She advised that after reviewing my file further, she discovered that my joint tax return was not accepted because I filed taxes jointly ( as I was married when my ex husband and I earned our income, of which he only earned approximately {$2000.00} for the year ) and subsequently divorced. 

After hours of explaining everything to people at Navient ( something that can not be that uncommon - surely people get divorced and pay student loans all the time ) everyone I speak with agrees I am right and they apologize for the " inconvenience '' but then just keep " resolving '' the issue the same way as before so nothing is ever done. I don't know what to do, I am still dealing with the debt my financially abusive ex husband left me with, and am struggling a great deal. All I want is for my monthly payment amount to be calculated correctly and fairly, and for me to not have to spend hours fixing an issue that I did not create. 

As of submitting this, the issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
About 3 weeks, I reported fraud to Experian and explained that my identity was stolen and that I have no knowledge of the credit card creditors listed on my credit report. I also explained that I had made an official report of my identity being stolen through the CFPB. Experian never followed up with me regarding one of the decisions they made to keep one of those credit card creditors, named XXXX Bank XXXX on my report. It wasn't until I checked my credit that I saw Experian 's comment of completing the investigation - in support of the creditor that I have no knowledge of. Experian did not properly investigate because they made a decision in only about two weeks to keep the unknown creditor on my report -even after I informed them that my identity was stolen and that I had reported my identity stolen. If they had properly investigated, they would have found that I have never lived at the addresses listed on the creditors files, I have never signed anything authorizing credit, and that my name is misspelled and listed incorrectly. My name have been listed fraudulently on creditors file as XXXX or XXXX. I also reported to Experian that I have no knowledge of the following creditors and that they are fraudulent activities because my identity had been stolen -and could have been do so through breaches of Experian and XXXX ; and that I have officially reported my identity stolen through CFCP Identity Theft 's reporting. Those creditors listed that do not belong to me, as I have never applied for them are : XXXX Bank XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  I would like for these to be removed immediately, as I do not have knowledge of them, they do not belong to me, and my identity was stolen. Also, I have disputed XXXX as being listed twice on my credit file. I would like the one that I have disputed removed from my credit file.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
NO IDEA, NO CONTRACT, IVE BEEN XXXX XXXX WITH XXXX FOR A YEAR AND AND A HALF, I DONT OWN THIS ACCOUNT NO REPLY FROM COMPANY Payment Status Collection/Chargeoff Last Updated XX/XX/2022 Current Balance {$270.00} Original Balance {$270.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to report this account How Does Everything Look? 
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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 2022-07-19
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 20 year mortgage with PHH Mortgage. I am having trouble in resolving an incorrect tax payment issue made by them for XXXX XXXX and XXXX XXXX. Here is the summary of the problem : 1. They incorrectly paid property taxes for XXXX XXXX and XXXX XXXX to a different county ( I am from XXXX XXXX XXXX XXXX XXXX XXXX and they paid to XXXX XXXX XXXX XXXX XXXX ) 2. As a result, my taxes were delinquent for 2 qtrs and I was notified by my county. 
3. When I contacted them in XX/XX/XXXX with the issue, they took 3 months and finally made the payment on XXXX XXXX for the delinquent taxes. 
4. They were trying to collect the incorrect payment but were following up with the wrong county. 
5. After failing to recover the amount, they are now trying to recover the amount from me as additional escrow payments citing negative escrow balance. The negative balance was created by their mistake of making payments to the wrong county 6. As a result, my mortgage amount will go up by {$180.00} per month from XX/XX/XXXX 7. I am trying to resolve and reverse the increase as their failure to collect and recover the money is not my problem and I should not be victimized for the same 8. I am been calling them up every week for last 6 weeks and getting no resolution at sight. Need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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: Information belongs to someone else

Complaint:
NO IDEA, NO CONTRACT, IVE BEEN XXXX XXXX WITH XXXX FOR A YEAR AND AND A HALF, I DONT OWN THIS ACCOUNT NO REPLY FROM COMPANY Payment Status Collection/Chargeoff Last Updated XX/XX/2022 Current Balance {$270.00} Original Balance {$270.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to report this account How Does Everything Look? 
Lenders provide us your d

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 2022-07-19
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an XXXX alert and XXXX ID theft alert regarding a credit inquiry using my information. The attempt was made on XX/XX/2022 through XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). It was suggested to file a complaint to FTC, which passed me to this website. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 2022-07-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and must continue to review and correct my credit file due to fraudulent accounts reporting within my file. The fraudulent accounts are XXXX XXXX accounts and a XXXX account. I also have several inquiries that were not authorized by me and are fraudulent. The fraudulent inquiries are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/22 and XX/XX/22 )

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 2015-10-25
Company: Empowerment Ventures, LLC
State: AL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
AFTER A SYSTEM GLITCH I HAVE N'T RECEIVED MY DIRECT DEPOSIT FOR {$380.00} AND ALSO THE BALANCE THAT WAS ON MY CARD BEFORE THIS GLITCH IS GONE WHICH WAS {$540.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Late payment that is reported on XX/XX/2019 and XX/XX/2019 is inaccurate data.

Company response to consumer: Closed with explanation