BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at the apartment complex from XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX I submitted a XXXX day notice to terminate my lease early, which was allowed in the lease with a XXXX day notice. I received my final bill in XXXX and paid before the due date and had a {$0.00} balance when I turned in my key on the XXXX of XXXX. I left my forward contact mailing information as well as confirmed they still had my phone number and email address for further correspondance. 

In XX/XX/XXXX, I receive a letter from a collections company " National Credit Systems , Inc. from XXXX, GA. They vaugely stated that I had not made a suitable arrangement to resolve the above-referenced debt amount of {$830.00} to XXXX of XXXX XXXX XXXX I have not received any sort of bill or for that matter an explaination of why I did not receive my deposit back. 

Approximately a week after the letter arrived I received a phone call from XXXX XXXX stating that I owed this debt. I advised him that I had not received any itemized description of this debt. He said that if I give him my email that he would send it to me. I told him that I will not give him that information and that he can send an itemized invoice throught the mail just like the last letter. He then stated that I was being difficult and that he would escalate this to the next level and then disconnected the phone call. 

After this I sent a certified letter with return receipt asking them to explain the debt and show proof that I owed them the debt via XXXX. I received the return receipt XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX that is the exact same letter I received the first time. I have both letters in my possesion. I also received notice XXXX days ago via email that the collections agency has reported this debt on my credit report. 

My official complaint on this company is their actions are in violation of the " Fair Credit Reporting Act ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The original creditor/furnisher which is XXXX XXXX XXXX credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.

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 2020-10-07
Company: EQUIFAX, INC.
State: TX
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:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is the previous complaint. There has been no resolution to me trying to leave forbearance making monthly payments and still having bills that say nothing is due and not showing any payment. Also, they are trying to increase my payment amount, even as interest levels are falling way below what I am financed at with no offer or possibility offered when I ask for help. Last time I called I was told that I wasn't even supposed to be making payments, which like always was a different story, so I stopped and I am looking at the bills right now that say XXXX due and that my loan is in forbearance. However, now I am getting late notices with fees attached. How can I possibly be charged a late fee when I am still showing that I am in forbearance with no XXXX due and the company is unable to update my account even though I have given them more than {$8000.00} in the last few months. This has been the most stressful experience of my life and Citizens One has been entirely unhelpful. There is no standardization of responses and every time I call I get a different response, so certainly some of the responses I have been given are false if not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 opened a secured credit card in XXXX with XXXX XXXX for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with XXXX and Transunion and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.

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 2022-02-07
Company: Experian Information Solutions 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 sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/21 asking for Experian to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and no note that it was disputed on my credit report as of XX/XX/21 when I sent another letter requesting the account be deleted. I got a letter sent XX/XX/21 stating that the dispute was pending, and on XX/XX/21 it was verified as accurate. It has now been well over 120 days since I initiated contact with NCA, and over 100 days since I initially contacted Experian. I do not believe that an investigation was done at all.

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 2022-07-10
Company: Experian Information Solutions Inc.
State: AK
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 opened a secured credit card in XXXX with XXXX XXXX for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with Experian and XXXX and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.

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 2017-09-08
Company: EQUIFAX, INC.
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:
Equifax exposed my personal information on file in a security breach. It was clearly not properly secured, and now I 'm exposed to possible identity fraud and need to take both time and money to do due diligence to protect my assets and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$25.00}

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 2022-07-10
Company: Nelnet, Inc.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
To Whom This May Concern, I have been XXXX for 21 years and continue to attempt to qualify for a Public Service Loan program. I have applied at least three times in the last 10 years. 
I have made payments consistently for more than XXXX payments. I have paid more than half of the total I borrowed when I was going to school. 

I keep getting rejected but not once I have been told exactly what the problem is. Finally I was able to call the company for which I have standing debt and told me that the reason could be that I have consolidated them. 

During school my loans were Stafford loans, but a couple of years after graduation I consolidated them with XXXX XXXX XXXX I would like someone to call me and advise me about what route to take. I graduated in 2001 and I have worked for the same school district since that same year. I have paid constantly and never defaulted. I have had times of deferment because of financial situations at home. I then paid all interest and comply with their policies during deferment. 

I want to be able to have the opportunity of some part of my loan to be forgiven. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
From the day Freedom Mortgage acquired responsibility to service my VA loan, they have repeatedly failed to pay my property taxes correctly and/or on time. Most recently, a check they sent to the Property Tax office bounced. While the company has apparently attempted to address the issue by paying additional amounts to cover fees/interest/etc, they have failed to bring my property tax account into good standing even once. Each tax bill carrying over additional penalties and interest from the previous billing period.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, and Transunion are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my wet signature on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.

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 2017-07-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I settled a charge off with XXXX XXXX. XXXX agrees the account is settled and properly indicates the settlement in its report to Experian. The account became delinquent in XX/XX/XXXX and Experian correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, XXXX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my Experian consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with Experian. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.

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 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax recently announced a massive data breach. I have used the website they set up to confirm my information was compromised. They have not provided me written notification that my information was compromised, and have not provided details on exactly what information of mine was compromised. 

By failing to personally notify my of which data of mine they compromised they are placing the investigative burden on me. They are making me responsible for finding out if they compromised my information. 

Once I determined that some of my information had been compromised ( but not details of which information ), the only recourse they offer is one year of " free '' credit monitoring by their service. They are leveraging the problem they created to benefit their business. While they may not have created the situation, it has the appearance of a shakedown scheme. 

The risks Equifax has exposed me to are serious. Their response has been anything but. They have failed to provide adequate notification to those they placed at risk and failed to assume responsibility for placing them at risk. I consider this especially egregious since I do not have a consumer relationship of any sort with Equifax ; they store my information for the benefit of themselves and their customers, yet it is me currently facing the risks of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax insufficiently protected my information. I just found out that it 's been compromised. This happened weeks ago and they did not notify me - I found out about the compromise through social media and had to go to their website to verify that my information has been compromised. 

I 've already spent several hours freezing my credit info, requesting and reviewing credit reports to search for suspicious activity, and researching ways to ensure that i 'm made aware of any attempts to use my information illegally. 

I am extremely disappointed to learn that executives of Equifax took care of themselves by selling their shares of stock before taking care of the owners of the information they failed to protect. 

I expect prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This should be rectified by : Equifax should be required to monitor my account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. If there is fraud due to this misuse of my report, Equifax should be responsible for correcting the fraud as well as responsible for any associated costs. 

Additionally, Credit freezing should be free. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: GA
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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: FL
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 already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX, Experian & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is XXXX/XXXX  which is basically the same as XXXX because XXXX stands for XXXX XXXX XXXX  and with the same account number XXXX is reporting negative under XXXX  & Experian. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

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 2022-07-10
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX offered a promotion where they would give a {$25.00} credit to your first purchase if you sign up for their credit card. I purchased a XXXX XXXX  XXXX XXXX for {$190.00}? Then I set up a recurring payment in my bill pay. So I paid {$170.00} with the recurring payments until the payment purchase was complete. Shortly after I paid off the loan, I started receiving bills from ( XXXX? ) at the time. I explained to them that I satisfied the terms of the purchase, however they proceeded to harass me with requests for payment. They sold the phony debt to Midland Credit XXXX agency. Although I explained to them several times I have proof that I completed the terms of the loan, they played games with me. They would say, " We will suspend the demand for payment temporarily and let you know what to do. '' They refused to allow me to send copies of the bank statement showing the proof of payment. It's amazing to me how credit card companies can escape accountability for acting like their customers have not paid what they actually paid.

Company response to consumer: Closed with non-monetary relief