BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from XXXX of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.

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 2016-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted both XXXX and Experian about a credit dispute for XXXX XXXX XXXX ( XXXX ), that was included and discharged in my Bankruptcy case # XXXX on XXXX XXXX, XXXX in the XXXX XXXX XXXX Florida ; neither have 'closed ' this creditor on my credit report. I disputed the 'open ' status with XXXX credit agencies on XXXX of XXXX. However, on both XXXX and Experian credit reports, they remain in 'open ' status. In my dispute with Equifax, I received a written letter stating " the case information states closed '' but still on my credit report - it remains and reads as 'open '. Experian responded on XXXX XXXX, XXXX by sending an updated credit report and it reads " We have completed the processing of your dispute ( s ). Here are the results : Credit Items - XXXX ( XXXX ) : remains. 
Public records : XXXX BKPT CT FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Identification # XXXX Date filed - XXXX XXXX Date Resolved - XXXX XXXX Chapter XXXX bankruptcy discharged. 
Yet for Experian it remains in 'open ' status with a red dot. 
XXXX as of XXXX XXXX, XXXX lists XXXX XXXX XXXX as a " New Debt '' and states " Since your last update on XXXX XXXX, XXXX, you have XXXX ( XXXX ) overdue debt that has been transferred or assigned to a collection agency. '' XXXX XXXX XXXX - XXXX. 
It seems to me that XXXX XXXX XXXX - XXXX, keeps reporting this disputed and Chapter XXXX discharged debt to different credit collection agencies and both XXXX and Experian are ignoring the discharge and adding it to my credit over and over again. 
This debt shows and states on XXXX - discharged. 
Both XXXX and Experian have an obligation according to the law to state on my credit reports that the item is closed and discharge Chapter XXXX. I am tired of fighting with XXXX companies. 
Please tell me what to do to stop XXXX credit agencies and XXXX = XXXX from constantly reporting this discharged debt as open and new.

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 2015-11-15
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has been reporting incorrectly on my credit report. I have written them and the credit reporting companies numerous times with no result. This is an alleged debt from the original creditor XXXX. XXXX is reporting incorrectly to experian. They keep reaging the debt. this was an alleged debt from XX/XX/XXXX and XXXX continues to report on my credit report that this is a new account from XX/XX/XXXX. They are incorrectly extending the time to remain on my credit reports and the date of opening is wrong

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: BlueChip Financial
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A lawyer from a law firm called XXXXXXXX XXXX XXXXXXXX reached out to me stating that I owed them for a loan that was taken out with a company called Spotloan. They stated that they acquired the loan and we seeking repayment. I reached out to Spotloan, to the investigation division, and explained to them that a lawyer reached out to me seeking repayment for a loan that I had with them. The investigator that I spoke with stated that the loan I had with Spotloan was repurchased by Spotloan and that the account was closed and was placed at a zero balance. Furthermore, they informed me that if anyone is trying to collect on the loan they are scammers and thst there is nothing to collect on this account. XXXXXXXX XXXX  XXXX has repeatedly had someone reach out to me stating that I will be served with legal papers to collect on a debt that is no longer good.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed XX/XX/2014 & we had modifications through a previous lender Homeward when it was sold to Ocwen. I believe out modification, loan, payments, & foreclosure was mishandled. 
We have contacted Ocwen on several occasions with no response to the information we requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX refused to send me my biling statements from XXXX XXXX XXXX and my last payment on XXXX XXXX, XXXX. That 's over 365 days between payments, so my 7yr time clock for deletions starts 30 days after first delinquency under FCRA. I had a three way call with XXXX and Experian and the manger whose name is XXXX # XXXX, and XXXX # XXXX XXXX and XXXX XXXX XXXX all confirmed the validity of my complaint. XXXX then lied and said they could n't find records because it 's an old file. I was threatened to contact you and anyone else, so I 'm reaching out to you to retrieve these dates and records so that I can have this deleted from my credit reports immediately. This company started out polite and concerned but then flipped the script and denied me all relative information for my records.

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 2016-05-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with XXXX, XXXX, Experian, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where one of the accounts stated they only verified that first XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the first XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XX/XX/2016 and I do n't even have a credit card with them.

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 2016-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ITEM REPORTED ON MY CREDIT FILE THAT HAS BEEN PAID IN FULL

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 2021-03-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
An address related to identity theft is on my Experian report and they refuse to remove it. 

I disputed the information on XX/XX/2021.

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 2016-08-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX XXXX, 2016 I sent my third and final request to Experian for a Security Freeze, along with the letter I send a copy of my drivers license, social security card, police report and proof of address ; per the certified mailing receipt Experian received my request on XXXX XXXX, 2016. To date I have yet to receive a confirmation letter form Experian stating they have placed the Security Freeze on my credit file along with my PIN number.

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 2016-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was checking my credit report on XXXX/XXXX/XXXX and noticed that there are over XXXX inquiries on my credit report that I did not authorize nor ask for. I have filed a police report three weeks ago, have a fraud alert on all XXXX of the credit bureaus and have called Experian several times, last being on or around XXXX XXXX, XXXX to dispute these inquiries. I was first treated very rudely by the person on the phone when I was asked to be transferred to the Dispute Department in a US call center. I was told that they do not do that and I have to tell them what I needed. After about trying 7 times I finally got transferred to another person who was not with the Dispute Department in a US Call center. This whole experience has me just mentally upset and discouraged, feeling as if I can never get this taken care of. Below are the inquiries that I did not authorize nor did I solicit any form of business with them : XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/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 2017-01-03
Company: Resurgent Capital Services L.P.
State: ND
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. 
After I did all of that it is then when she disclosed what the call was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: OH
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:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - XXXX XXXXXXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continual harassment on my cell phone daily

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: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Over the past 4 months my client has received XXXX separate collection letter from different collection agencies attempting to collect a debt allegedly originally owed to XXXX XXXX. 
The collection letters reference various different account numbers for the sums from {$1700.00} to {$3900.00}. 

Each letter seems to be from a different agency on behalf of LVNV Funding LLC . 

In response my office has repeatedly requested details on this claim from the agencies, but received no response. 


XXXX XXXX XXXX XXXX sent a demand dated XX/XX/XXXX. 
XXXX XXXX XXXX sent a demand dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX send a demand dated XXXX XXXX, XXXX sent a demand dated XX/XX/XXXX. 
Resurgent Capital Services sent a demand dated XX/XX/XXXX. 

This alleged debt, if it was ever owed is now barred by the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Bread Financial Holdings, Inc.
State: TN
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:
XX/XX/2021 capital XXXX sent inaccurate information there is proof my account was XXXX through bankruptcy and I received my title and dont owe any money they said they would delete from credit bureau I spoke with deep and another rep I cant remember his name the Transunion has been deleted they have broken the bankruptcy law by reporting this amount after being XXXX from bankruptcy and title received I will be filing an complaint also with the attorney general and I have emailed XXXX XXXX XXXX requesting this to be deleted due to reporting inaccurate information ... ... Victoria Secret has provided proof I dont have an account with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: QC HOLDINGS INC
State: KS
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I am with XXXX. We are closing down the bank account to stop them from damaging us further. The name of the company is Quik Cash in XXXX Kansas. I made payment arrangements with them and was late on that arrangement. At the time of the pay arrangments they were supposed to have shredded the original check for {$570.00} ... apparently they never shredded it, even though they told me they would. When I was late on my arranged payment, they submitted the MUCH larger original check right to my bank and over drafted my account badly! This is NOT ok! They ca n't be angry for a lateness and put through a check that was supposed to have been destroyed. : - ( Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
I opened an American Express account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told American Express on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate American Express!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Navient Solutions, LLC.
State: PA
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 hold 6 private student loans with Navient. I had previously set up monthly automatic payments to cover each of these loans for {$290.00} monthly. The last payment made was on XX/XX/2020. I did not receive notice of any account changes from Navient by mail or email regarding my loads or monthly payments. 
I received a notice of monies due in XXXX of {$84.00} termed a " past due notice '' via email. I paid this ( although I was unsure what it was for and should have looked into it. ). This, I learned today was not applied to any " past due '' balance but applied to my total load debt with Navient. Therefore maintaining delinquency of my account. 
I received an additional call today informing me I was delinquent on my payment with Navient because 4 of my 6 loans had " fallen off '' of the repayment plan. I investigated my bank statements and no deduction has been taken since XX/XX/2020. 
In addition, I was informed today that a few of my private loans had been placed in forbearance I did not request nor authorize this. 
I have great concern that Navient is not following the terms outlined in the truth in lending act nor the terms they have set with, at the very least, this borrower to ensure communication is concise and easy to understand. I believe situations like these only benefit the lender, who is then able to collect late fees and extended interest fees. 
I attempted to ask very specific questions of the Navient representative today who could not provide me with information to understand how my account is being managed without my consent to these changes. I enrolled in a new payment plan and the recording specifically states that the payment plan will not be altered unless i request. I have high doubts this will occur as Navient has a proven track record of confusing and misleading borrowers for their gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit reporting bureau inaccurate information on consumer credit file..

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 2017-04-29
Company: AES/PHEAA
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: Account status incorrect

Complaint:
When I was in college a co-signed for a private student lo an ( AE S ) for  XXXX   XXXX  who is now  XXXX   XXXX . About 5 years ago I was told that I could be removed as a co-signer due to the primary account holder making timely payments. Apparently they did not remove me a co-signer and she 's is behind on her payments and now they are reporting me as delinquent as well which has negatively affected my  credit score by  dropping it more than  XXXX  points within the last two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Good evening, I come once again to remove incorrectly reported Public Record, Im having a hard time with getting Experian to comply with FCRA section 609, I have disputed a incorrect address on my credit report, this address is associated with a reported Public Record, Experian agree and removed the address, as well as the furnisher of the information, XXXX XXXX, however, the feel that thier not obligated to remove the Public Record associated with the address, the FCRA requires that any information on your report wrongly reported is grounds to remove that item, Im asking Experian to please honor FCRA and remove the Public Record on 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 non-monetary relief