BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a company by the name of XXXX XXXX attempting to collect on a debt ( s ) that arent mine and that Im not aware of. I went on the website and theyre 2 different accounts listed for me that I have no knowledge of ever having. One is for XXXX XXXX through a XXXX XXXX and trust and for a XXXX XXXX XXXX. One reports on my credit report and the other one does not. This is an error. The amount reported is {$710.00} and last reported on XX/XX/XXXX. Also theyre are payments that are listed on the website for XXXX XXXX for XX/XX/XXXX for 2 different amounts, one for {$55.00} and one for {$69.00}, neither of which were paid by me. I need some validation and for these accounts to be closed and removed from my report because they do not belong to me and I have had no communication from this company regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get information about my mortgage in writing but they will not accommodate my repeated requests for that 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 2018-10-09
Company: Army and Air Force Exchange Service
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a XXXX, XXXX  XXXX XXXX with very limited income, trying my best to get my life back in order. Please help! 
I was XXXX  in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX  my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my Army and Air Force Exchange Service credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from XXXX  in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the Army and Air Force Exchange Service and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called XXXX XXXX XXXX. ( XXXX ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was XXXX. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to XXXX via certified XXXX mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX  ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to XXXX  ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX  in XXXX ) can apparently be collected as a federal debt would, through garnishment.

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 2019-02-21
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On approximately XX/XX/2019 Revenue group reported a collection to my account and I have never received anything from this company. 
I have contacted company to dispute and let them know I never recieved any documentation to dispute and to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Bread Financial 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: Personal information incorrect

Complaint:
I had 1 hard inquiry on my XXXX Credit Report on XX/XX/2018. It is listed as XXXX from XXXX XXXX XXXX XXXX. I believe this is from XXXX   Credit.

The company pulled a hard inquiry without ever informing me in advance. 

In addition, my first name is written incorrectly in the billing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAVALRY INVESTMENTS, LLC
State: CA
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:
Calvary Portfolio Account # XXXX has violated my rights by : 15 U.S.C 1681 Section 602A : states I have a right to privacy. 

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions. 

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request. 

I have no knowledge of this alleged account and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. Proper consumer practices were not adhered to and proper notification was not complied with either. Please REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: TN
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 all parties ( XXXX XXXX Equifax, and XXXX XXXX ) trying to allow them to fix this matter. XXXX XXXX {$340.00} that reflect on my credit report is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transukion dropped down my credit score 53  pts XXXX XXXX reason Remark added to account, XXXX  XXXX XXXX 19  pts, XX/XX/XXXX reason XXXX, balanc increased by {$89.00} I called both of them and thry conferm me ; tbey did not reported anything negativ about 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 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My problems began in XXXX when my only son XXXX  out of state. When we go home, my husband was diagnosed with XXXX XXXX. He died that year in XXXX. At that time my income was reduced to less than half, I was left only with survivor spouses share of his annuity. I also had a very small Social Security income due to my few years of working and I was a XXXX of a small XXXX XXXX. 
In XXXX I was put in the hospital as an emergency with a lump on the XXXX XXXX XXXX XXXX I was immediately put into intensive care for approx 6 weeks. Then I was declared a XXXX and put in a XXXX home until I could get someone to care for me in my own home. 
In XXXX of XXXX, I issued a power of attorney to have my fiances handled as I could no longer use my XXXX XXXX XXXX XXXX, I was XXXX. I also lost the XXXX   because we lived out of town and no one wanted to take over the business, even when I tried to give the business away. The business was closed and I lost that small amount of income from that business. 
In XX/XX/XXXX, my POA notified all my credit card companies, all my charge accounts, and Bank of America whom possessed my mortgage account at that time. The Bank of America was requested to close the account because of the health and financial changes. All these companies were notified of the change in health and income changes and advised that there was no money in the bank so they were asked to stop the automatic payments. Most of the companies did not stop the automatic payments and the bank refused to close the account because they said XXXX had to personally come in to close the account. I don't know how they expected a bedridden person without transportation to personally appear at the bank but they did. As a result of the continued automatic payments the bank account was drained dry. When the Bank was asked to close the account there was approx {$1200.00} in checking and {$400.00} in savings. The bank sued me for outstanding balance. That still has not been paid as I have no money. The XXXX XXXX XXXX knowing the circumstance turned my mortgage account over to XXXX XXXX XXXX. I have tried to get them to lower the interest rate of XXXX percent, the loan payment, refinance the loan, close the account without further payment due to the unscheduled health and financial changes which was outside of XXXX 's control. 
XXXX has lived in the home since approx XXXX and wished to stay there until she dies. She is elderly, XXXX and the only other options would be to be put in a state run XXXX home.

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 2017-09-22
Company: Navient Solutions, LLC.
State: NH
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:
In the spring of XXXX I read about the Public Service Loan Forgiveness Program and the possibility of some if not all of my student loan debt relief. I contacted my loan provider at the time ( Department of Education ) and was told that in order to qualify for the Public Service Loan Forgiveness Program I would need to consolidate my loans into a Direct Loan program and change my payment plan. I did this and on XXXX of XXXX all of my loans where consolidated and then managed by XXXX XXXX/Navient. I was told that the payment plan I was in qualified towards this program and all I had to do was make 120 on time payments, which I have been paying for four years. In XXXX of this year ( XXXX ) I submitted the paperwork to the government to see where I stood in the program and at that time the servicing of my loans was transferred to XXXX XXXX XXXX. I just got off the phone with XXXX # XXXX at XXXX and as of today, XXXX XXXX, XXXX, the 50 payments I have made since XXXX XXXX do not count towards the PSLF program because I was not in a qualifying repayment plan. I am very upset by this and feel that I had been taken advantage of by XXXX XXXX/Navient and misled by the information given to me over four years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-07
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$42000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been seriously compromised by online identity theft and it has left me with issues unknown and unauthorized by me by me. Prior to that my wallet was stolen and reported so this is a recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that credit reporting agencies remove and block these accounts immediately 1 ) XXXX XXXX XXXX. 2 ) Santander Consumer USA. {$13000.00}. 3 ) XXXX XXXX  {$7200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: MA
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:
Experian keeps reporting my XXXX  XXXX credit card balance before my actual due date on the XXXX of each month. 

Experian continues to report XXXX on my report, even though XXXX has sold this account, no longer owns it, a new company does, furthermore they will not allow me to dispute it at all, they want me to give them a letter. Isnt this what they are supposed to do, FACT FIND AND UPDATE INFORMATION AND NOT REPORT INACCURATE INFORMATION. ALSO, THIS IS MY 2ND OR THIRD TIME REPORTING THIS EXACT SITUATION HERE. WHY ARE THEY ALLOWED TO VIOLATE FCRA? 

EXPERIAN REFUSES TO TAKE A LATE PAYMENT OFF for XXXX XXXX. THAT WAS TAKEN OFF THE OTHER 2 CREDIT BUREAU REPORTING AGENCIES, THEY WANT MY CREDIT TO REMAIN IN THE FAIR RANGE and not GIVE ME THE SCORE I DESERVE. I HAVE HAD EVERY DEROGATORY ACCOUNT REMOVED, BUT EXPERIAN REFUSES TO REMOVE THEM. I ALSO FIND THEIR BEHAVIOR RETALIATORY and deliberate for reporting them here.

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 2018-10-09
Company: Flagstar Bank, N.A.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank is charging me for homeowners insurance when in fact my insurance has been renewed. They are not making a distinction between a cancellation and a renewal. I think this is fraudulent behavior.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: MO
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:
SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX   OPENED XX/XX/XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX XXXX XXXX XXXX, XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/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 2020-11-24
Company: Sequium Asset Solutions, LLC
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:
Dear sir or madam : The following debt collection agency - SEQUIUM ASSET SOLUTIONS , LLC located at XXXX XXXX XXXX XXXX GA XXXX is reporting an account in collection that does not belong to me. 

I disputed the issue with the thee credit agencies. Within 48 hours XXXX had the account removed from my report. The other two reporting agencies are still waiting for a response. What I find troublesome is not only this error is stopping me from re financing my home but when I call Sequium they say they have no record of my account. I offered to provide them the information that is on my report and they said if they can't find it in their system there is nothing they can do. 

Below you will find the specifics of the account in question. I do not nor have I ever had an account with " XXXX XXXX '' What I find interesting is that when visitng the XXXX website the first three complaints are exactly the same ; XXXX XXXX and the person says they never had an account with them or they once did and the information is wrong. I would apprecaite any help your organization can provide. 

Date Reported : XX/XX/XXXX Collection Agency SEQUIUM ASSET SOLUTIONS , LLC  Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$120.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.

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 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.

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 2018-04-06
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I added money to my PayPal account and later went to atm to withdraw funds. The funds never dispensed. I contacted PayPal XX/XX/XXXX they stated they would have to file a dispute and provisional credit would be given. Once they provided the credit they limited my account on XX/XX/XXXX said I would have to wait 180 days to get my money. I called XX/XX/XXXX to try and see if the hold could be lifted early because I am going through a hardship and really needed my money. The agent said no in case a customer has a dispute I informed her there was no customer interaction on my account I personally added those funds via cash at my local XXXX so who would be disputing Me. As of today XX/XX/XXXX the credits are final and no longer a provisional credit and I would like my funds released as soon as XXXX   because its my money!!!

Company response to consumer: Closed with non-monetary relief