BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
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: Account status incorrect

Complaint:
I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX XXXX XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notification from XXXX XXXX XXXX in XX/XX/2020, that effective XX/XX/2020 XXXX XXXX would cease operations. On XX/XX/2020, I went to XXXX XXXX XXXX to cancel my membership. When I arrived at the gym I saw that the gym was closed and I saw moving people inside packing up all of the equipment. I then called and no one answered the phone. Then I went online to their website and discovered the site was shut down. 

Since my membership was month to month, and I was unable to speak to anyone I contacted my bank to stop all payments to the gym. Then on XX/XX/2020, I received from First Credit Services , Inc notification that my account has been placed in collections. I tried on 5 different occasions to speak to someone. Every time I called I requested to speak to someone in XXXX ( I am English challenged in speaking ). Every time I was told someone would return my call to assist me. I have yet to receive a phone call from them. 

I dispute this claim on the following bases. 
1. I attempted to cancel my membership and was unable to due to the closure of the business.

2 My membership was month to month with no long term contract.

3. I have attempted to reach out to the collection company and they have not been helpful in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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: Information belongs to someone else

Complaint:
In 2019 I went on vacation and was solicited by a resort promoter with free gifts and a vacation membership. I declined the offers and did not sign up. Later, the resort staff gave me some free vacation information and packet. I went home and opened it up to find a vacation membership. I was scammed by this company when they said it was free travel. They used my booking information to execute the transaction. I have called the company and disputed it directly. The original sales person doesn't work there anymore and no one is helping me. I have never used this account. I never wanted it, nor did I sign up for it. This company opened a fraudulent account and had billed me threatening to destroy my credit and foreclose on me. They have threatened to sue me. I am being defrauded and these people need to be prosecuted. This is fraud and it is not fair they are allowed to harass me. I am sure I am not the only person scammed by there people.

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 2021-02-07
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a loan for a XXXX XXXX with american credit acceptance, the car was stolen and totaled in a wreck in XX/XX/XXXX my insurance XXXX XXXX XXXX paid off the loan and sent american credit acceptance over {$8700.00} to pay off the loan.. that was 3 months ago and american credit acceptance wrote on my credit score that it was affected by natural disasters which it wasn't.. i paid off my loan through my insurance and it should be in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: DISCOVER BANK
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 Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. Discover acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. XXXX XXXX Acct num XXXX reporting {$15000.00} should be {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  Account # XXXX XXXX5 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 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 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I checked my credit score on XXXX and it was much lower than my XXXX score because they say I have an account with high usage. However, the reported account is a Bank of America Credit Card which I do not have. I have no knowledge fo this account and never opened it. As of XX/XX/XXXX, the balance of this account is {$16000.00} with a limit of {$25000.00}. According to XXXX, the account was opened in XX/XX/XXXX, however, this is NOT my account. I never opened a Bank of America Credit Card. I filed a dispute on XX/XX/XXXX, but XXXX claims the account is in my name.

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 2021-02-07
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2020, I handwrote dispute letters to all three credit bureaus about inaccurate and incorrect information on my credit reports. I also been disputing these items since XXXX of 2020. I specifically requested that they verify the information with proof of my handwritten signature on loan or credit documents and provide information and evidence on how they verified this information. Since the information was different on ALL three bureaus, I demanded that this derogatory information was deleted or removed. However, XXXX  and XXXX  sent back reports showing that the information was updated. I did not ask for anything to be updated. Under FCRA, any inaccurate or incorrect information must be deleted and not replaced there. Replacing derogatory information on a person 's report that is still fraudulent, unverified or inaccurate is still breaking the rules and regulations of the FCRA. Anyone can sit in front of a computer and fill out information without a person 's permission and send it in and have open accounts in a person 's name without them knowing it until they check their credit reports.

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 2023-06-06
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I submitted complaint XXXX stating that Nelnet provided email correspondence stating that borrowers would be automatically switched to electronic mail ONLY, unless they opted out by XX/XX/XXXX. The link Nelnet provided only allowed for borrowers to OPT IN to electronic mail. 

Nelnet responded on XX/XX/XXXX. Among their various misstatements and refusals to remedy this issue, Nelnet stated The opt-out option is not available until XX/XX/XXXX, as you are not currently enrolled. 
On XX/XX/XXXX, you can opt out of XXXX directly on your XXXX account. 

Nevertheless, my case was closed by the CFPB. My follow up comments were not transmitted to Nelnet. And Nelnets wrong-doing continued unabated. 

My calls to ask to stay on POSTAL MAIL correspondence were disconnected or met with You mean you want to opt in to email only? Because thats all we can do On XXXX, I logged onto my Nelnet account so I could OPT IN to postal mail, andI learned that Nelnet does not offer such an option. Their only option allows me to opt-in to electronic mail. 


Nelnet only notified borrowers of this change using email which disenfranchises borrowers with limited access to electronic mail. Nelnet refuses to set up the infrastructure for users to opt out of this change. Nelnet has failed in its notice requirements, and committed fraud against its borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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 information incorrect

Complaint:
I Have contacted Equifax and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. XXXX acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. XXXX  XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. XXXX XXXX Acct num XXXX reporting {$15000.00} should be {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband was on medical leave post surgery and we asked for assistance with the mortgage to be able to afford or lower the payments temporary during his 3 months leave. Mr. Cooper said we could do a loan modification. 

Mr. Cooper mortgage company told us they would modify our loan and we had the option to make payments or not while we were waiting for them to process it. During the process we missed the three payments which total about 6,000 .Understanding we had at the time a total income of XXXX a month so, when he went on leave it dropped by half until he began receiving 60 % of his income from his XXXX XXXX leave. 

The problem is Mr. Cooper failed to disclose the full details of the modification and didnt explain in detail. We were explained and to our understanding that the payments were going to be moved to end of the mortgage loan. In reality, we were taking out a second mortgage with a different lender. We were not explained this part of the modification. We only found this out when we went to take the equity out to do repairs and remodeling. It was then that we found out that we had two mortgage loans.We had the opportunity to read the contract with little understanding of what were signing. It was our mistake not seek help to assist us in understanding the paper work. 

We trusted our mortgage company and didnt know the correct question to ask to get the answers we needed or to disclose this information. We did not get any money out of it. The second mortgage was a sum total of XXXX that was distributed by Mr. Cooper mortgage company to were they designated it to go.Now we have this mortgage that we cant do anything not even sale the home until that second mortgage is paid up front. 

However, It paid the missed payments but if we had known we wouldnt have done that, we couldve made partial payments and excepted the late fees or let something else become delinquent or found other ways to pay. We were not totally broke we still had my income. I was still employed full time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NC
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:
Equifax is violating my rights! 

I have reported this complaint multiple times now that these XXXX XXXX are identify fraud : 1. XXXX XXXX XXXX account number : XXXX 2. XXXX XXXX XXXX account number XXXX 3 XXXX XXXX XXXX account number XXXX Equifax refuses to follow the laws and remove these fraudulent collections after I have provided identity theft report and police report. 

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: I.C. System, Inc.
State: VA
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:
IC Systems collection for what it says was my direct tv account. I have submitted both the last bill amount they are saying was owed to them, which services were billed a month in advance anyways so I shouldn't have, had a bill when service terminated. They on numerous previous disputes to them on amount said the never received equipment back which I was able to prove they did back when the collect was under XXXX before they sold the debt. I have not had them in 7 years easy so all the dates are incorrect. Everyone keeps selling this debt and I have to start the process over and over

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 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2020, I handwrote dispute letters to all three credit bureaus about inaccurate and incorrect information on my credit reports. I also been disputing these items since XXXX of 2020. I specifically requested that they verify the information with proof of my handwritten signature on loan or credit documents and provide information and evidence on how they verified this information. Since the information was different on ALL three bureaus, I demanded that this derogatory information was deleted or removed. However, XXXX  and TransUnion sent back reports showing that the information was updated. I did not ask for anything to be updated. Under FCRA, any inaccurate or incorrect information must be deleted and not replaced there. Replacing derogatory information on a person 's report that is still fraudulent, unverified or inaccurate is still breaking the rules and regulations of the FCRA. Anyone can sit in front of a computer and fill out information without a person 's permission and send it in and have open accounts in a person 's name without them knowing it until they check their credit reports.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Subject : Dispute of Inaccurate and Unauthorized Hard Inquiries Request for Removal and Verification Dear Experian Dispute Department, I hope this letter finds you well. I am writing to formally dispute certain entries on my credit report that I believe to be inaccurate and unauthorized, specifically the hard inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX on XX/XX/2023 XXXX. XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX  on XX/XX/2023 Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate credit reporting, and I assert that the aforementioned hard inquiries are not accurate, nor were they authorized by me. I kindly request the immediate removal of these entries from my credit file. 

Furthermore, in accordance with the FCRA, I am also requesting Experian to provide documentation that validates the verification process for each of the contested hard inquiries. Kindly provide proof demonstrating that the inquiries were, in fact, verified as accurate and authorized. This documentation should include, but is not limited to, any correspondence with the entities that made the inquiries, as well as any records of my consent. 

I am enclosing a copy of my credit report with the contested items highlighted for your reference. I believe that a careful review of the evidence will support my claim of inaccuracy and unauthorized access. 

I request that you conduct a thorough investigation into this matter, and I anticipate your prompt response in line with the FCRA guidelines. If, after investigation, it is determined that the inquiries are accurate and authorized, I request that you provide me with a detailed explanation and the supporting documentation. 

Thank you for your attention to this matter. I appreciate your cooperation and adherence to the legal requirements outlined in the FCRA. 

Sincerely, 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 2023-01-05
Company: EQUIFAX, INC.
State: CA
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 have loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX  XXXX XXXX Date Opened:01/08 Balance : {$0.00}

Company response to consumer: Closed with explanation