BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-31
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: Account information incorrect

Complaint:
I purchased an anniversary ring for my wife for our XXXX wedding anniversary. Then XXXX XXXX went bankrupt with Comenity Bank. Then all of a sudden I have multiple companies reporting the same account on my credit report. Information is incorrect and duplicated giving lenders the idea that I have multiple account with different balances causing creditors to deny me credit. Also causing a financial hardship due to having to hire a company to help sort out the mess.

I have attached the pages from my credit report for the same ONE account, that all of a sudden is three accounts with all different information. I purchased one ring, one account. 

These companies are in violation of the Fair Credit Lending and Debt Collection Practices Acts. 

Please help me eliminate these account. 

The companies are : XXXX/XXXX  ; XXXX XXXX XXXX ; Comenity Bank ; XXXX/XXXX ; Comenity Bank/XXXX ... .this is not fair to me or my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Nelnet, Inc.
State: SC
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:
My student loan has been listed as In Repayment with Firstmark Services, despite the fact that the loan should be forgiven ( {$0.00} balance ) through a teacher forgiveness program. 

On XX/XX/XXXX, the human resources department at my school district, XXXX District XXXX, mailed a South Carolina Student Loan SC XXXX Loan Forgiveness form to South Carolina XXXX XXXX XXXX, XXXX : XXXX. SC Student Loan confirmed by phone that the paperwork was received the first week of XXXX and was forwarded to Firstmark Services, the new loan servicer, https : //firstmarkservices.com/. SC Student Loan also confirmed to me that this year of service would mark the total forgiveness of the loan, and that the balance should be {$0.00} once paperwork is processed. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was in repayment status. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was past due. I spoke with a customer service representative with SC Student Loan and was told that paperwork has been in process since Firstmark Services took over servicing their loans, and to request a deferment so that the paperwork could " go through. '' I spoke with a customer service representative with Firstmark Services, and was told that I could receive a deferment through XXXX. On XX/XX/XXXX, I received communication from Firstmark Services that the deferment had been approved. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was once again in repayment. 

On XX/XX/XXXX, I spoke with a customer service representative with SC Student Loan. She remarked that, after looking over my system notes, that it appears Firstmark Services had not responded to their submissions, and apparently Firstmark had not done anything to process repayment since XXXX. She would re-submit the paperwork on my behalf. 

My loan is currently listed as due XX/XX/XXXX. 

In my years dealing with SC Student Loan, I have always experienced excellent customer service and timely processing of forgiveness and deferment. I believe the issue is with Firstmark Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
THE CREDIT REPORTING CONFIRMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. I SPOKE WITH XXXX FROM EQUIFAX ON XXXX/XXXX/2015 AND XXXX AND SHE VERIFIED THAT THE ACCOUNT # XXXX WITH XXXX XXXX XXXX XXXX HAS BEEN DELETED FROM MY CREDIT REPORT, BUT SHE DID NOT SHOW A SPECIFIC DATE OF DELETION. SHE STATED THAT SHE DOES NOT HAVE A SPECIFIC DATE FOR DELETION, BECAUSE IT HAS ALREADY BEEN DELETED. WHEN I VIEWED MY CREDIT REPORT, I NOTICE THAT THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT AND I NEED FOR EQUIFAX TO SEND ME A NEW CREDIT REPORT WITH THE ACCOUNT # XXXX SHOWING DELETED FROM MY CREDIT REPORT. IT IS NOT RIGHT THAT THIS COMPANY CONTINUES TO REPORT INCORRECT INFORMATION TO MY CREDIT REPORT WITH CONTINUES TO DRIVED DOWN MY SCORE AND DAFAME MY CHARACTER HAS A RESPONSIBLE INDIVIDUAL. IT IS THEIR DUTY TO PROTECT CONSUMERS, AND I DO N'T FEEL AS THOUGH I AM RECEIVING THAT PROTECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: IL
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:
Hello to whom it may concern, It has came to my attention that someone has done fraud with my information and has tried to open up multiple types of credit lines with different lenders giving me about 10 inquiries in one month of XXXX Which is outrages for me to do personally. Ive attached photos of the companies with dates and its every single one coming to a total of 11. Ive asked for the removal and nothing. I just filed for XXXX  XXXX and would like to have these removed to start the rebuilding process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Franklin Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
0n or XXXX I received a notice via email from XXXX XXXX Credit Card Services that an account need my attention, on checking my account I found that Franklin Collections  SVCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a collection on my credit report. I have contacted Franklin Collection XXXX four times about this account and explained that this is not my account. They showed no interest in getting this worked out. 
I contacted XXXX XXXX XX/XX/2020 at XXXX hrs talked with XXXX ID # XXXX in reference to this account She could not find any information on this account with my social security number,XXXX Name, XXXX XXXX XXXX or my address XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX OK XXXX Than stated she could not do any thing with out the account number or Social Security number on the account. The Account belongs to My son XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX under hid social number and address. I do not know his personal information. The last four numbers on the XXXX XXXX account from Franklin Collections is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Rock Creek Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I leased a car in 2016 and paid for 3 years through XXXX and XXXX partner company xchange leasing. All the payments for the lease were made automatically through my XXXX earnings. I leased the veichle for 3 years and made every single payment. A company called Rock Creek Capital , LLC and XXXX XXXX XXXX XXXX is claiming there is a balance owed from that lease, this is a false statement and incorrect. The company claimed that I canceled my lease early and there are fees but that is also false. I attached a screenshot of the terms of the lease from xchange leasing. As stated I paid all payments automatically through XXXX. When I returned the Veichle the leasing company informed me that I do not owe anything. This is some type of false debt. I spoke to the company after receiving the letter, they asked for proof that i owed this money and they never responded to me and never sent any proof. This needs to be resolved as its inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Hello to whom it may concern, It has came to my attention that someone has done fraud with my information and has tried to open up multiple types of credit lines with different lenders giving me about 10 inquiries in one month of XXXX Which is outrages for me to do personally. Ive attached photos of the companies with dates and its every single one coming to a total of 11. Ive asked for the removal and nothing. I just filed for XXXX XXXX  and would like to have these removed to start the rebuilding process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To Whom It May Concern : A man who identified himself as XXXX XXXX and stated he was a representative of XXXX XXXX XXXX came to our door on XX/XX/2022 and initially spoke with my husband about investing literacy for at-risk youth. He reported he was selling magazines. I came to the door and told him we would not purchase any magazines but would make a donation of {$400.00}. He reported he still needed to select magazines for distribution and chose XXXX He wrote up XXXX separate receipts and provided them to me, and I made the donation via Zelle. I later noticed the receipts he provided actually totaled {$440.00}, but I only sent {$400.00} via Zelle to XXXX 's purported boss, XXXX XXXX. My husband told me he felt uneasy about the entire exchange and felt I was swayed by XXXX 's story that he was working to overcome poverty and find a means to support his family as well as a photo of a child he referred to as his son. My husband wanted to see if we could find more information about the organization. Upon searching the web, we primarily found information that suggested the company and its charitable platform were both scams. Although I was able to find what appeared to be a legitimate websiteXXXX XXXX XXXX XXXX it offered very little information ( e.g. no financial report on the company, no photos of or links to the alleged magazines that were purchased, no customer reviews ). I believe I was scammed by this man who may or may not have used his real name and may or may not be the victim of a scam or a MLM scheme himself. I did not provide him with any sensitive information, but I did give him my email address, and he has my signature. Additionally, he was able to see into the living room of our home. I submitted a fraud report to Zelle, my bank, the FTC, the CA Department of Consumer Affairs, the FBI, and the police, all to no avail. I attempted to email the company and received a bounce back email advising the address is invalid. I called customer service but was unable to reach a human being and received an automated message that did not offer any information related to the company. ( " You have reached customer service ... '' rather than, " You have reached XXXX XXXX Services ... '' ) I am seeking restitution for this loss. Please advise regarding whether there is any means through which I might be able to pursue damages for falling prey to this scam. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section XXXX XXXX XXXX XXXX  ( a ) ( XXXX ) 15 U.S.C. 1681s -2 ( A ) ( XXXX ) they have violated several of my right with no regard of congress making these laws

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 2017-08-12
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sydicated Office Systems LLC and Central Financial Control are attempting to collect on a medical debt that is not mine from 2012. When I asked for verification of debt with their company on letter head and my signature, they sent me billing info and hospital admitting information for an infant that is not mine. I 'm not sure if they have combined my billing and this other person 's billing together. I have asked this company to remove all information from my credit report from all credit bureaus because the debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Grant Mercantile Agency
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:
On XX/XX/2018, my wife had undergone a medical procedure. The amount to be owed was sent to us by the hospital where this procedure was performed and the amount was paid in full. Now the XXXX Company that performed the procedure in the hospital is billing us separately for an original balance of XXXX US-dollars however, we have never received the bill for this that is why we were never aware of the charge pending and had thought that we had already paid everything when we paid the Hospital where the procedure was performed. Due to this, the XXXX company had forwarded our account to the collection agency on XX/XX/2018. I had tried to reach out with the original company/Lender regarding this matter and they had told me that the billing company that handled this matter no longer works for them, Leaving me with no option but to directly engaged with the collection agency. I called the collection agency and had explained that we had never received the bill that is why we never knew we had to pay anything. According to them, the previous billing department had attempted to call and mail a bill to us numerous times but failed. My argument to them was that on XX/XX/2018, we had moved to a new address and we would not be able to get any mail regarding the matter. As per the calls, I do not recall getting any phone calls regarding the bill. The reason we found out about this was when we are trying to run our credit and it shows as a negative report in our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The account XXXX Date of First Delinquency has been re-aged on my Equifax credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX , XXXX FL XXXX I have disputed this information several times with the disputes department at Equifax. The information will be corrected and then re-aged again.This information has fallen off of my XXXX and XXXX file. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: MT
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2022-01-22
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX financial charged off my auto loan XX/XX/2020 for the amount of {$14000.00} as a profit and loss since I told them after the second engine seized and transmission went out and no warranty available they refused to come pick up the car. They continue to report my balance of interest each month and as of today my loan balance shows {$21000.00} as they keep applying an additional interest each month and reporting it to the credit bureaus. I have tried to dispute with the bureaus again online but to no assistance since they said I disputed back in 2020. This horrible company is going against the loan contract and I think law as far as what they can continue to report

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 2022-07-26
Company: WELLS FARGO & COMPANY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : WELLS FARGO CARD SER 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 2017-12-09
Company: The Receivable Management Services LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Try contact customer service would n't take care of my matter about remove this negative item from my report

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 2016-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a collections account on my XXXX credit company. The account is for a medical bill in my hometown of XXXX, LA. The account is currently owned by XXXX ( accoount # XXXX ). The account has been transferred to a number of different collections agencies and I dispute it everytime it pops up on my credit report. It was previously owned by XXXX XXXX and I disputed it then also. Equifax is also reporting this account, but on my Equifax report the account is owned by XXXX. The account is for a medical bill my father accrued when he went to the XXXX at XXXX XXXX XXXX. The info I 've received thusfar matches the dates of the charges.His name is XXXX XXXX. The collection agency that reported the account sent a letter to me in response to my dispute. The letter is also addressed to my father, they just sent into my home instead of his. Today, I got a notification from XXXX XXXX that XXXX has completed their investigation and they are refusing to remove the inaccurate information. They claim it meets FCRA requirements. But this is impossible, because the account is in my father 's name. I called XXXX last week to emphasize how important it is that they remove this fraudulent information from my credit report. I guess I did n't drive the point home well enough, because despite the collections agency submitting a letter that is addressed to someone else, they still did not remove the information. I am looking for an apartment and I really need this account deleted so that I can get approved or I will be on the street come XX/XX/XXXX. Please help. This is extremely urgent.

Company response to consumer: Closed with explanation