BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After finding out that I had a judgement against me from back in XX/XX/XXXX, I informed all of the credit reporting agencies that my identity was stolen and as a result, a judgement was issued against me, without my prior knowledge and that the judgement was based on a fraudulent, and forged document. All of the reporting agencies, with the exception of Experian, removed the fraudulent judgement from my reports after going over all of the submitted evidence in the case. The case did go before a judge on XX/XX/XXXX and the plaintiff, XXXX XXXX XXXX filed a motion to have the case stricken from the record. When I tried to submit the documents indicating that the case was to be stricken, I found that I 'm not able to file another dispute, backing up my original claim of fraud, nor am I allowed to upload new documents supporting my claim. I 've also asked that several names, that do n't belong to me, in which I 've uploaded proof of my name, has n't been changed and my ability to dispute it has been repeatedly denied. I have also asked that XXXX time-barred accounts be removed and they have refused to do so with them as well. Both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are still on my account, even after asking for them to verify the date of the first missed payment, which according to Texas State Code, is the date the statute of limitations start. Not the date of the last payment as they claim. Because I am a Texas native and have never lived anywhere else, the Texas State laws trump federal laws and the laws of the states that they operate under. Both of these companies do not hold a sureity bond in Texas to collect debt and they keep updating time barred accounts in direct violation of FDCPA and the Texas fair debt collection act. I have the police report that I filed almost immediately after finding out about these account on my record. I 've also sent out letter, via certified mail, asking them to follow the law and remove these fraudulent accounts from my credit report. All of these accounts fall under the FCRA as violations and as a consumer, I have the right to have them removed, especially after I 've provided ample proof. I 've also filed another complaint about the judgement with CFPB, again backing up my claim of fraud. I will include a copy of the certified letter that I wrote to XXXX, XXXX pointing out the obvious violations of Texas law. I was denied the ability to buy out my siblings portion of our deceased mother, based on these fraudulent and unlawful accounts. I was told by an attorney friend, specialising in Consumer law, that I have a case for a slander of credit cause of action and I 'm willing to take it to that level. I will be filing individual complaints against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well. The judgment is the first thing that needs to go.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX different occasions, written requests for information on origin of debt, the original lender, etc., was mailed and faxed. I to this day never received a response. Per my rights, I am asking XXXX to remove this debt from collections. I also am asking all credit reporting agencies to update per this request. I am also seeing that this debt is being listed on my credit report by creditor that closed and sold debt, as open again. As of 2011 it was written off.

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 2016-06-14
Company: Argon Credit
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid off my loan in full and they are reporting I still ow the full amount to XXXX. I filed a complaint with XXXX but the company is not responding and delaying the resolution meanwhile lowering my credit score, which they in turn used to deny me a new loan.

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 2015-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I would like to seek assistance? XXXX XXXX and Experian just recently notified me on XXXX XXXX, of an incident that involved unauthorized disclosure of my personal information. According to them the incident happened on XXXX XXXX, 2015. I dont feel assured that my personal information is secured, just today I received a call from a Collection agency in behalf of XXXX XXXX asking for my personal information. Experian and XXXX are stating they have conducted their own investigation the results are not clear. As a consumer I would like to be contacted as soon as possible, my information, name, social and date of birth, should be protected. The letter is dated XXXX XXXX, 2015 and was just received on XXXX XXXX, 2015. 

Thank you for listening, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted on or about XX/XX/2018, by XXXX XXXX XXXX XXXX, for a debt with XXXX stores. I paid it immediately with them. I asked how I am turned to collection, when I never received a mailed bill, e mailed bill or call from XXXX. The agent from XXXX XXXX noted, for some reason, there was a block on my account, which may explain lack of billing I am very conscious of my credit rating, and am never late with a payment. This has trashed my credit from XXXX down to XXXX. I was looking to apply for a mortgage, and now can not, due to this. I have e mailed XXXX but gotten no reply. I can not call, because when i do, it goes direct to " contact XXXX XXXX regarding your account '' I feel sending me to collection, over a bill I did not get, is a violation. 
I appreciate anything you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101.

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 2016-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a hard inquiry from XXXX on XXXX XXXX which I did not initiate.

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 2015-08-21
Company: ACCESS GROUP INC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hi, Years ago I had financial difficulties arising from unemployment and surgical bills. During that time most of my student loans went into default or deferment. I am now on my feet and have resolved all my old issues. All of my student loans are current, except my private student loans for XXXX XXXX XXXX through Access Group ( held by XXXX. ) These are in collections in the amount of $ 40,000+. I have been paying XXXX every month for years, but the amount is still high and wo n't be paid off for a decade. This leaves me with horrible credit ( It would be almost perfect without these collections as I pay everything on time now that I am working. ) I ca n't get a mortgage for a house and my interest rates are high based on my credit score even though I have perfect credit card payment history. I have been trying to resolve this with both XXXX and Access Group for over a year, but they will not help me rehabilitate or discuss anyway to get this removed from collections besides paying off the amount ( at 50 % charge off discount. ) I would immediately get a personal loan for XXXX to pay it off, but with the collections on my credit report I ca n't even do that. I called the XXXX XXXX department of Access Group again today pleading with them to help me resolve this in some way - I have no issue paying my debt, but having this in collections is affecting every aspect of my life - I almost did n't get the job I have now because of them. I was hoping CFPB may have dealt with this lender/collection agency before on this issues and that there was some way to help debtors in this situation. I realize they are private, but they are servicing student loans, so I would have thought they would be more amenable to people who were trying to do the right thing. Any help or information CFPB provides would be greatly appreciated. I had a complaint about 3 years ago that CFPB helped resolve so I know what a great help your agency can be. Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted National Credit within 30 days via fax and mail I followed up and they confirmed they were still investigating the dispute The verification process had not been concluded nor a payment option offered before reporting to the credit bureau. This agency violated my rights to dispute and resolve the matter prior to reporting to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Peterson Enterprises, Inc.
State: ID
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son hurt his knee. There was a {$60.00} deductible that did not get paid. The doctor sent me to collections saying I owed {$200.00}. I was then sued for {$300.00} and could not afford to contest. They got default judgement. I am in the process of being garnished for over {$1100.00}. How can I owed 18 times the original debt? it is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
IN accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a 1 year lease for a duplex with a management company ( XXXX XXXX ) in XXXX XXXX TX. Management failed to address various maintenance issues, some of which posed a health risk for my sister who has severe reactions to certain allergens. I made repeated attempts to contact management by submitting requests through their online portal and by going to their office in person, which seemed to be the only effective way to get in touch with them. 

After months of failing to address our maintenance concerns, it was clear that XXXX XXXX had no intention of upholding their end of the lease, so I went to their office and told one of their epmloyees that I wished to vacate. Management agreed to terminate our lease prematurely, indicating that they would not refund our deposit, to which I agreed. They disabled my online payment portal on XXXX/XXXX/XXXX, so that I could no longer access my service request history or other correspondence I had with the management through their website. I never received any " Past Due '' notifications or other correspondence indicating that my account was thought to be in default. 

This account should have never gone to collections, and if it did it was only because some disgruntled employee at XXXX XXXX must have thought it would be funny. I never received any correspondence regarding a " Past Due '' account from XXXX or National Credit Systems, and I have n't received any other indication that there was an issue with this account until it appeared as a collection on my credit report XX/XX/XXXX. I have an immaculate payment history aside from this collection, not so much as a late payment anywhere on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTC ID Theft Report # 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 2017-01-11
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mailed in mortgage payment, XX/XX/XXXX to Nationwide Advantage Company and mortgage company received payment on time. Tracking number shows the monies were delivered on time in their office they contacted me on XX/XX/2016, that payment was not posted. I provided them with the tracking number for the payment. I was told to call back in two days to see if the payment has posted. I comply with the request called back they still had not located payment. I then offered to stop payment on the check according to XXXX the representative I was speaking with I should not do that because when they do find it they will put it through and this will cost me more. I faxed and mailed a letter out to the corporate office stating the problem and that they needed to fix it. Locate my payment and stop will negative reporting she then informed me that I needed to make another payment over the phone to bring my account current. I refuse to do so and again informed XXXX. XXXX that they needed to find my payment. The resolution for this problem : Nationwide to go back an remove all they negative reports of my being late because I was not, and to remove the late fees they billed me for because I was not late. And list my account as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A request has been made to a collection agency National Credit Systems to validate a item listed on my personal credit file. Nothing has been received to validate this. Request help from your agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Genesis Credit Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a previous complaint on the company four months ago. In their response they said they would send validation and they STILL HAVE NOT SENT ME ANYTHING REGARDING THIS ERRONEOUS ACCOUNT. This is absolutely ridiculous! This company has violated Finance Code Chapter 392 Section 392.201. The law says that they must send all files concerning that consumer no later than the 45th day. I originally disputed this account in XXXX and never received anything. Validation will not do at this point and time. THIER TIME TO INVESTIGATE AND REPORT TO THE CONSUMER IS UP!!! I will be filing a complaint with the FTCXXXX and the XXXX today!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I OVERPAID THE LOAN, which was a ZERO INTEREST LOAN, as long as I made the 6 payments plus a balloon payment at the end. I did that. 

SpringLeaf a month later refunded the over payment. Then they began sending me letters because I was such a good customer. Then two years later they claimed I owed them some monthly payments. They are ruining my credit. I believe the underlying merchant asked them to lie about my payments so they do not have to perform warranty work. 

I would like you to investigate them. I sent them a nice letter asking for a history of all payments and they have ignored my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was attempting to by sports tickets from a seller via XXXX on Sunday, XX/XX/XXXX. He was to send me the tickets on XXXX and I paid him on XXXX XXXX via XXXX. I sent him the {$100.00} and no tickets were transferred. I could no longer get in contact with him. I tried to discuss with my bank, XXXX, but they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding LLC listed inaccurate information on XXXX credit records stating an account was opened XX/XX/2013 which I did not and there is no record. Any account I would have opened is past statutes. I have requested in writing documentation of debt which I did not receive. In addition, it listed the debt on XXXX under the name XXXX XXXX XXXX using Midland Funding physical address in XXXX XXXX, which is hardly the banks location. On XXXX they list themselves as a Factoring Company. I believe these are unfair practices under the FCRA and FDCPA. Is Midland Funding a bank, a collection agency or a factoring company?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called repeatedly for these debts. They are all for the same issue and they have n't sent just XXXX bill. When you go to this place they send XXXX different bills so its difficult to know what you 've paid and what you have n't. They also got the money from my insurance and now want more. They call repeatedly. leaving no voicemails from different numbers and I have n't been able to come to a resolution for a amount. There the main reason my credit is so messed up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: Solomon and Solomon, P.C.
State: DE
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:
my credit report has me down for a charge off and late payments to XXXX/XXXX company. it is not my account. it is not an address that i have ever lived at. i want all aspects of this matter purged from all of my credit histories and i want letters of apology that can be presented to any future creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: JPMORGAN CHASE & CO.
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:
I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.

Company response to consumer: Closed with non-monetary relief