BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
they ruined my credit showing many months of collection on a debt. third party collector Account Info Account Name I C SYSTEM INC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$360.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$360.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Payment History 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 Payment history guide Collection as of 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 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 explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: IL
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:
I reviewed my consumer reports and noticed Experian is reporting this account when it's a medical collection ( HIPPA violation and violates the surprise act of 2022 ). The other 2 Credit bureaus deleted the medial collection already. Consumer Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have disputed this account # XXXX for {$570.00} with Experian for more than 6 months and they're ignoring my request to investigate and provide proof ( signature ) that I consent to release my personal information. 
The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that requires the creation of national standards to protect sensitive patient 's health information from being disclosed without the patient 's consent or knowledge. 
If proof can't be provided I demand that these account be deleted.

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 2019-01-14
Company: AES/PHEAA
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred,  and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loan servicer was Great Lakes and now it is Nelnet- when my student loans were with Great lakes they were consladated and payment was {$230.00} a month prior to XXXX. I now have multiple loans showing on my credit report and when I try to call NELNET their recorded answering service states call volume is high and wait times are XXXX plus minutes, I have tried to create an online account but when I enter my information online I'm told it does not match their records when I try to chat I'm told to call when I call I'm on hold and never put through to a live person but when I enter my social securtiy number I'm told my loan is out standing and payments are over {$500.00} a month! I've never been sent a statement and still trying to reach the company to find out why XXXX loan is now multiple since they became my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Global Lending Services LLC
State: MN
Product: Credit reporting 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:
Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!!

Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : 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 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  These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities.

I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security. 

Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me. 

Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment through the automatic online system and it could not be collected for unknown reasons, I have always paid with the same bank account and the money was in the account, I sent the evidence that it was a system problem, this payment was in XX/XX/XXXX and they put a 30-day late payment on my credit report. It happened again in the payment of XX/XX/XXXX and as it was pending I notified it the same day, and not only did they not charge it, they made a debit of {$10.00} for not being able to process the payment, and the money was in the account, that is why I asked them to remove the delay in my credit report and return the {$10.00} collected and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Advanced Resolution Services Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My complaint centers on Advanced Resolution Services , Inc. reported inaccurate and private information, which has adversely affected my consumer report.

Your actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently disputed a Bankruptcy on my credit files and all 3 bureaus claim to have verified the the Bankruptcy BANKRUPTCY XXXX XXXX Number : REF # XXXX with the courts, and I sent a letter certified to the courts to challenge this and the courts clearly states in the attached document that they don't send any such verification to any 3rd parties such as Credit reporting agencies like XXXX, XXXX AND TRANSUNION. so it's obvious that this information was obtained fraudulently and is being reported fraudulently and should be deleted and removed from all 3 credit reports and I should receive an updated report immediately. or I will sue each bureau for defamation of character and pursue monetary damages fully.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Today I contacted the District of New Jersey at XXXX XXXX XXXX, XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX with the phone number ( XXXX ) XXXX and help desk phone number ( XXXX ) XXXX. They informed me that they do not supply information the third parties. How did you verify this public information? 
Bankruptcy XXXX XXXX Reference # : XXXX Court : XXXX XXXX CT NJ XXXX Date Filed : XX/XX/2014 Bankruptcy XXXX  XXXX Reference # : XXXX Court : XXXX BANKRUPTCY COURT Date Filed : XX/XX/2014 2014

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 2023-09-23
Company: Sequium Asset Solutions, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting 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:
On XX/XX/2023 at XXXX I received an email from XXXX XXXX alerting me to a new hard pull on my account. The hard inquiry came from JPMCB Card Services ( Bank ). I did not authorize JP Morgan to obtain my credit information in any form, nor have I applied for any type of new credit or credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX 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 2023-09-22
Company: McCarthy, Burgess & Wolff, Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from a collection agency, McCarthy, Burgess, and Wolff, that there was a debt and I had until XXXX to respond via email, phone, and or mail. I submitted an email requesting validation of the debt asking for the contract of the original debt as I did not recognize this account. I have not received the validation of the debt from this company yet they are reporting this on my credit report as collections. They also are showing a past due amount that is inaccurate, not validated, on a closed account. This is inaccurate reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: SC
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:
To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED ACCOUNT

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 2023-09-22
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Contacted NelNet via email at XXXX on XXXXXXXX  and received automatic reply stating " Thank you for your email. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email, but we believe that one of these options may be the fastest way to answer your question ''. I am unable to create an online account and was instructed via their website https : //nelnet.com/welcome to do the following " We do not have a current, valid email address or phone number on file for you to send the authentication code to. Please call us at XXXX to gain access to your account. View our hours at Nelnet.com/contact. '' I called NelNet at XXXX on XXXXXXXX  and waited on hold for 1 hour and 31 minutes ( XXXX to XXXX my time HST ). I was continued on hold even though their business hours on Fridays are XXXX to XXXX EST. I hung up since their offices were closed. I never spoke to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 2018-07-10
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}

Company response to consumer: Closed with explanation