BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account in collections with XXXX XXXX XXXX. I paid this account off as of XX/XX/XXXX. I saw this was still being listed as an open, negligent account on Equifax and started the Process of disputing the information as of XX/XX/XXXX. ( original dispute # XXXX ). On XX/XX/XXXX Equifax closed the dispute and did not update the information and stated that XXXX was validating the information on my report. I spoke to XXXX many times to confirm the account was in fact paid in full and they have sent multiple letters stating the account is resolved. I am in the process of trying to purchase my first home and this is still an ongoing issue. I opened another dispute on XX/XX/XXXX, ( XXXX ) and on XX/XX/XXXX Equifax again confirmed that the information was correct and closed the dispute. I spoke to XXXX again and received a copy of the Universal Data Form which states all my account information and confirms that the account has been paid in full and is now closed. I filed another dispute with Equifax on XX/XX/XXXX ( XXXX ) and supplied the UDF. XXXX responded to the dispute today, XX/XX/XXXX and also resubmitted my updated information to Equifax ( control # XXXX ). I was told by Equifax that this information is electronic and will be automatically reflected on my credit report once XXXX submits it. Now Equifax is still saying they have not received anything stating that my account has been paid in full. Their negligence is hurting my credit score and my ability to purchase my first home and I have been relentless in trying to get it resolved, and I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Exeter Finance Corp.
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:
In XXXX, following a divorce, I bought a XXXX XXXX XXXX, I lived in Florida at the time. In XXXX, with my finances in a mess, I filed a chapter XXXX Bankruptcy. I would have filed a chapter XXXX, but I did not qualify. At any rate, the car was part of the chapter XXXX, but with a reduced payment from the Trustee. In XXXX I determined that I would file a chapter as financially I qualified. My lawyer agreed and drew up the paperwork, taking XXXX for the chapter XXXX. In a meeting in her office a week or two later she told my I did not qualify as it had not been long enough since my last Chapter XXXX. 
I contact Exeter Finance to try to work something out to keep the car, but they wanted me to pay the {$6000.00}, and that was not possible. At that time, I contacted Exeter finance and surrendered the car to them. At some point thereafter they sold the car. They violated Florida law when the sold the car, as Florida XXXX states that they must notify me of the time, day, and location to the sale at least 10 days prior to the sale. 

Exeter Finance then reported to XXXX that I owed a deficiency of {$23000.00} and XXXX under public records as included in bankruptcy. XXXX, Exeter and XXXX are refusing to correct the information even though they have been informed that Exeter violated Florida law when the sold the car without notifying me. In addition, the chapter XXXX Bankruptcy was dismissed in XXXX and XXXX  has been advised to the same, but refuses to either remove it from my credit file or put a note that says the bankruptcy was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this is a case that the company responded to but im resubmited it again due to their response, i left the apartment in a good standing regardless off what happened, i decided to pay them {$700.00}, it mean i want be able to get anything back from 2 of my tires.they refused and want me to pay {$1200.00} which is the whole amount the collection put in my report and one thing i didnt like is they still calling that a settlement.the first payment of {$700.00} suppose to be paid the XX/XX/XXXX.i want a fair resolution of this case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Professional Recovery Management
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FOX COllections keeps trying to collect on a debt for XXXX Hospital and has reported it on my XXXX credit report repeatedly. I am XXXX Army and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities XX/XX/XXXX, XXXX Hospital 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX Fox reopened the same collection on all XXXX of my credit reports under a XXXX date. I disputed them again and all but XXXX has removed them from my report. I am XXXX army and have been covered by XXXX since XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: National Credit Systems,Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
National Credit System represented XXXX XXXX XXXX for a debt owed in the amount of XXXX. The debt was PAID IN FULL with the agreement of being deleted from my credit report in which however upon checking my XXXX credit report it is currently still showing. After making payment in FULL they faxed me a letter of receipt but failed to remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have three private loans with XXXX XXXX totaling to about 84 thousand dollars. The original interest rate were about 8-9 % but recent all of my loans have been bumped up to 12 %. That high of a interest rate is criminal. Because of this I have had to drop out of college and work to pay the loan off so because the interest alone would accumulate to an amount that would be un-payable in the future. My dad took a loan out on his credit card of the amount of {$28000.00} which he had the credit card company ( XXXX ) pay directly to XXXX XXXX. XXXX sent the amount on XX/XX/2018, however XXXX XXXX insists they haven't received it yet. Now we are collecting interest on two loans and XXXX XXXX does not care about helping us. Please help me and my dad, we are desperate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home in XX/XX/XXXX with a cash purchase with a settlement from a accident. I lost my husband and XXXX. In about XX/XX/XXXX I got a loan from America General for about XXXX and it grew to XXXX 7 years. Not sure how the loan grew because I was under Doctors care and taking strong pain medication. Made payments on time but never saw the debt reducing. Then I lost my sister who was helping me pay bills and in and out of the hospital myself for months at a time. So I got my niece involved and starting asking for documents to show how the loan grew once it was brought by Springleaf Financial. We was told that all paperwork was in the archives and no one never got back to us after being told they would collect the information. Then months later debt was brought by another company, then another company which now XXXX XXXX XXXX has it, since XX/XX/XXXX. Now I 'm dealing with trying to keep my home from Foreclosure for the amount of XXXX. I really do n't clearly understand how the loan grew to be so large, not sure if the medication caused me not to remember, but I do n't recall borrowing up to XXXX.At the time I was n't sure of what kind of loan I had. Then Springleaf never got the requested paperwork that I ask the branch manager to get for me. I do recall going back a couple of times for small loans never no more than XXXX at a time. But I 'm not absolutely sure that I borrowed up to XXXX. And all the years Ive paid on it, it never decreased. I 'm on a fixed income receiving my XXXX and my late husband '' s. I get a total of XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX 2015 I checked my credit report and seen many accounts that did not belong to me, but had my personal information. I called the credit bureaus who told me the next steps that I needed to take which was to fill out an FTC affidavit and file a police report. Once I was done filling out all the fraudulent accounts I was to send a copy to all three bureaus with copies of my government identification. As time went on I discovered more and more accounts that kept popping up that were not mine. I followed the same routine and sent back updated information to the credit bureaus. XXXX & XXXX were the only ones who fully cooperated with me and blocked the fraudulent information as requested. Equifax is still reporting this fraudulent information after multiple attempts to correct it with them. Each time they say that they are sending the information off to the creditor, each time they do that nothing happens. I have contacted the company in question multiple times on my own and I will also be filing a complaint against them. They claim that because I am working with an attorney they can not talk to me about the fraudulent account. This has been going on for months. The only credit bureau that is still reporting XXXX XXXX XXXX is Equifax! After reviewing their latest update today they have added yet another fraudulent address to my account. I have never lived in the state of Oregon, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. I also ave never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. The previous address is the one in question with the identity theft. They are not deleting the incorrect information and it 's been going on for months with no resolution. I am frustrated and sick and tired of Equifax and their shady business practices. Each time I call I get the run around and they keep claiming that the account is " verified '' but they never send me anything on how it was verified. How can it be verified when I 've sent multiple certified letters and faxes to XXXX XXXX XXXX with no response or verification and they can verify it?! I 've never lived here or at the address in XXXX! I am frustrated, because at this point I feel like this credit bureau is just doing this to screw me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Penn Credit Corporation
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My parents are receiving repeated phone calls from a company called Penn Credit at XXXX. The call is automated and says it is in regards to a debt. There is an option to press a number to indicate a incorrect phone number, which my parents have done several times and the phone calls are continuing several times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: PA
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 accounts listed below have violated my rights. 
As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

# XXXX XXXX XXXX # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2015-11-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXXAlert Date : XXXX/XXXX/2015Source : EQUIFAXCompany : XXXX XXXXPayment Status : UNPAID ( UNPAID ) Status Date : XXXX/XXXX/2015Balance : $ XXXXXXXXBalance Date : N/AAddress : XXXX, WA XXXXXXXXThe information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: ECMC GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Friday XX/XX/XXXX, I received a letter from my employer with copies from ECMC stating my wages were going to be garnished beginning on XX/XX/XXXX paycheck. This was the 1st and ONLY communication I have received from ECMC. They are garnishing {$200.00} bi-weekly from my check. So, {$400.00} a month. I did not receive ANY documentation advising me of the intent to garnish my wages therefore, I did not have the ability to dispute or negotiate. 

My XX/XX/XXXX-XX/XX/XXXX federal taxes were withheld stating debt collection for student loans but were never applied to the balance of the loan. 

In XX/XX/XXXX, I received a letter from ECMC stating the intent to wage garnish had been cancelled. Again, with no notification of the intent do do so in the first place. 

As of this time, we are a single income family of XXXX with me being the primary source of income. I commute XXXX miles each way. I am unable to afford the shortage in my check. This may possibly force me to look for employment closer to my town at a lower rate of pay, loss of medical benefits and quite possibly my house because I will no longer be able to afford the incoming bills. 

Since receiving the letter, I have attempted several means of communicating with ECMC with no response. The website has either has no record of my student loans or will not allow me to log in. I have also attempted to apply for loan forgiveness programs ( XXXX XXXX XXXX ) but can not complete the application process due to inaccessibility to my account. 

I am employed at a University Police Department and am in the process of admission to complete my degree. It appears to me they have conveniently used my position to solicit moneys before I am completely enrolled. FYI, the last class I took was in 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 2016-08-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, DE XXXX Re : Unauthorized Credit Inquiry I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XX/XX/2015. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thanking you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have a fraud alert on my credit bureaus. I applied for XXXX and XXXX XXXX. Both use XXXX XXXX. I received letters from XXXX XXXX referencing both accounts and I had to called them. They verified all the information with me and I thought everything was solved. d. Today I revieved a letters from XXXX XXXX saying they could n't verifiy with Equifax. on both XXXX and XXXX XXXX. Equifax is more than aware of my identiy. Ihave faxed and mailed my SS card and my drivers license. ( that complaint you will be receiving also ) Can someone help me withg getting all of my information correct with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XX/XX/2016 I contacted the credit bureaus, Equifax, XXXX and XXXX via certified USPS disputing several accounts that are reporting inaccurately. I have made numerous attempts to reach them by phone and further mailing actions, the credit bureaus ( all XXXX ) are refusing to send me an updated credit report or acknowledge my dispute request. 

DISPUTED ENTRIES : 1. ) XXXX # XXXX ( PAID NOT COLLECTION ) 2. ) XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 3. ) XXXX XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 4. ) XXXX ( PIAD-NOT COLLECTION ) The Following Inquiries are not mine, never authorized : 1. ) XXXX XXXX ( showing XX/XX/2016 ) 2. ) XXXX XXXX ( Showing XX/XX/2016 ) 3. ) XXXX XXXX ( Showing XX/XX/2016 ) 4. ) XXXX ( Showing XX/XX/2016 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was incurred by my ex-husband by living in an apartment where we both lived when we were together. The debt is only in my name shared with a previous roommate 's. I have supporting evidence that my ex and I were legally separated when this debt was incurred. 

When going to visit the property management company, I was told to leave the office because they could n't help me. I was embarrassed and treated very poorly. This debt does not belong to me and they did not give me a chance to resolve this with them. Instead, it was sent to collections under my name instead of my ex-husband 's. 

I lived in this apartment with another roommate before my then-husband moved in with me. My roommate moved out at the same time. Now her ( ex-roommate ) and I are being charged each for the FULL amount instead of half each. We also each received an offer for resolution claiming we only have to pay 50 % of the debt. But if we were to accept it, we 'd still be paying the full amount together. The property management company is completely unprofessional and dishonest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation