BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep being harassed by a company named " Nelnet '' they also reposted this fraudulent debt on my credit report after it had been previously removed following a dispute which proved it to be fraudulent. 
This debt is a product of identity theft, I have already submitted a police report, an FTC report and two forms of identification ( my driver 's license & social security card ) According to the FCRA 605B a consumer reporting agency shall block the reporting of 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 by such agency ... 
I just want this nightmare to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/18. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Therefor they must request that these debts be deleted from all credit reporting agencies. They have also been reporting late payments although this account shows as closed on my credit report. If this violated of the law is not handled appropriately I will report this to the my attorney general, the XXXX XXXX XXXX and then I will file a case at my local small claims court. I have kept a close record of all of this in case I need to move forward with reporting and filing the claim.

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 2018-04-15
Company: I.C. System, Inc.
State: MO
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:
I pulled my XXXX credit report and noticed they have 3 variations of my name and 2 of them are spelled incorrectly. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 2 companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 2020-09-10
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company called and hung up several times. They are trying to collect a debt that I do not owe. I paid the out-of-pocket max fro my insurance that year and all other debt is owed by the insurance. The company will not listen and have added my disputed account to collections harming my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom it may concern, I attended XXXX college from XXXX-XXXX  and I was under the impression that 4 of my school loans would not accumulate any interest which was not true. I was approved for 5 loans in total while in college due to hardship, but each one those loans has accumulated a high interest rate. In fact, one of the loans that I was approved for back in college was {$2500.00}, but now Im having to pay ( Navient ) {$2000.00} in interest which is insane. Im a part/time worker as of right now and I remember explaining this situation to ( Navient ) on last year, and they didnt seem to care about it. How can I be charged so much in interest, and I barely gross {$10000.00} yearly. In my opinion, something should be done about this problem because I live on a fix income and Ill never be able to pay off this debit anytime soon if ( Navient ) cant find away to help me. I also signed up for their Income Driven Plan back in XXXX  but the interest is steady rising each day seem like it. Can someone help me? Is there anything I can do to have the interest lower? I really need help with situation right now! Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent a check totaling {$150.00} to pay for the cost of a Brokers Price Opinion as instructed in the letter received from my mortgage loan services ( NewRez LLC ). The check included the required notation instructed in the letter Funds are for the BPO fee required to proceed with a loan review for PMI cancellation. My check was received and erroneously posted to my account on XX/XX/XXXX as a partial principal payment instead of its intended payment for the cost of a Brokers Price Opinion. The Brokers Price Opinion was  never ordered despite my explicit instructions and timely payment. I have been charged another month in PMI, and will likely be charged again next month as I have been told by the NewRez LLC  customer service agent - XXXX XXXX - that the process to reclassify a payment can take 3-5 days. She has refused to transfer my call to a supervisor or to anyone who is able to expedite the reclassification, not willing to provide any contact information so I can follow up to ensure this is taken care of correctly. I asked repeatedly for a contact with whom to raise a complaint and this request was also refused.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I gave Experian my schedule of creditors per my bankruptcy in XXXX/XXXX 2018 and an entry, XXXX XXXX XXXX, was corrected to show that it was indeed included in bankruptcy. Per a dispute a credit repair company submitted on my behalf, Experian changed it yesterday, incorrectly, to a charge-off, with a late payment date as this month- contrary to my court-ordered discharge! I tried to submit online to Experian, it would not let me. Please review the attached court documents and the excerpt from my Experian credit report showing it correctly in XXXX with the second page from yesterday changed incorrectly to my detriment to a late payment. Please assist!

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 2021-03-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to CFPB previously to resolve this issue regarding a credit card that was obtained in XXXX reflects me as a co-debtor despite the fact that I was not even born until XXXX. The company reached out to me apologizing that the error was on their part but the debt remains on MY credit report. This credit card is nearly maxed out and it is directly affecting me from being able to utilize and or establish credit in my name. How can I have this error removed from XXXX and equifax? It appears to be removed from XXXX but still present on the other two despite the previous report being in excess of 30 days. Please help! This credit card has a limit of {$12000.00} and it pretty much stays at that at all times drastically affecting me overall use of available credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Waypoint Resource Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over the 18 months I have made multiple calls and mailed registered letters to companies that have had accounts opened in my name by someone other than myself. Most recently XXXX XXXX allowed an unknown individual or individuals to open two separate accounts, in two different states using information most likely gathered from a home burglary in XXXX where my drivers license, social security card and passport were taken. I am now in collections for both accounts. I spoke with XXXX XXXX in XXXX of XXXX letting them know that neither of the accounts was mine. In XXXX of XXXX the two collection accounts showed up on my credit report. One, XXXX  XXXX   XXXX  in XXXX Minnesota and the other Waypoint Resources Group in XXXX XXXX Texas are both attempting to collect a fraudulent debt. In XXXX, all three collections agencies, XXXX  XXXX   XXXX  and Waypoint Resources Group were sent letters disputing the accounts. Both signed for the registered letters however have made no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Interstate Recovery Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from Interstate Recovery Services in XXXX  XXXX, VA stating a notice of assignment for a debt " I '' owe of XXXX from a creditor named Publishers. The XXXX XXXX XXXX XXXX. XXXX is the phone number. I do not know of this debt, I researched online and I have seen mention of a magazine company. Yes, I do get magazines that I pay directly to the publisher company. But this is the first time I heard of this letter. I never ordered anything from XXXX - who is that anyway. I thought of XXXX XXXX XXXX  but I have never ordered anything from them. This is fraud and using the mail to conduct such fraudulent activities is illegal, as you know. I will have my attorney write them a letter to cease contacting me or prove proof of the debt with my signature. I am not paying this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MOHELA refuses to change my principal according my last payment, despite the fact that it was *auto-debited* ( successfully, according to their own system ) by *their system*. I have contacted them numerous times about the matter and nothing has changed ; I received one message in response that claims the amount is correct, despite their own paperwork. I notified them that if they did not address the matter, I wold be forced ( yet again ) to lodge a CFPB complaint ... no response, so here we are.

I will attach my previous two, and the upcoming, auto-debit notices. They show the following : document of XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00}XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} Each featured an automatic payment made of {$270.00}. Obviously, a payment toward principal ( {$190.00} ) should decrease the principal by that amount, not increase it by an arbitrary amount.

The correct principal amount should be {$20000.00}. It is quite straightforward! Instead, they actually *increased* my principal slightly!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Contacted by voicemail from an unknown caller on XX/XX/XXXX from a woman who claimed to be with the XXXX XXXX County Processors office to call a # regarding a debt being collected. Called # left in voicemail and was directed to XXXX XXXX of XXXX and XXXX who advised that my husband and I owed over {$2000.00} from a charged off account from Wells Fargo fromXX/XX/XXXX. I called Wells Fargo to verify the claim and they could not validate this claim. When I called XXXX back at about XXXX I requested that he please provide me with the supporting information for this supposed debt he refused to provide such information but stated that it would be revealed in court! I called the courthouse just after we hung up and gave them all of this information and they advised that it sounds like a scam! The telephone # provided for this company 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 2020-02-23
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke to a representative on XX/XX/2020 in regards to my account and removing late payments from my credit bureau and I would get caught up with my current balance. The agreement was to remove the lates and mark the account as current on their end but they are still reporting on my credit as 90-120 days late which is effecting my scores. I would like these late payments removed as part of the the verbal agreement I had discussed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Midstate Collection Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have NO contract with this debt collection service the original debt was discharged and balance was paid by Medicaid which I have had for 20 years. I am a secured Party Creditor and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under  penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti- Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 )  days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX 's XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
( 103 true Identity theft ) I am a victim of identity theft since XXXX i have try over and over to get these two information listed blow deleted due to fraud, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i am a victim of the XXXX Equifax data breach several accounts on my credit report are not mine listed :, also filed a FTC report and a Police report to support my claim heres my FTC Report NumberXXXX and Police Report number XXXX IVE CALLED Equifax AND XXXX over and over for the last past year going back in fourth i even called XXXX and XXXX which they both was unable to locate or verify any account using the same date of birth as me, my Equifax Confirmation # XXXX and My XXXX  Report Number XXXX ... ... .. 
Account name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} Account name : XXXX XXXX Account Number XXXX {$2700.00} XXXX XX/XX/XXXX ... .. 
these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a Job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IVE ALSO UPLOADED A COPY OF MY POLICE REPORT FILED WITH THE XXXX COUNTY SHERIFF 'S OFFICE AND MY FTC REPORT THANK YOU SO MUCH FOR THE HELP!!!

Company response to consumer: Closed with explanation