BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-21
Company: Nelnet, Inc.
State: CA
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:
I presently wanted to enroll to a different college. After deciding to commit in their program I was automatically put in the student aid office process. There the loan advisor informed me of a Personal Loan obtain under my mother 's name when I enrolled at XXXX without my consent or her permission. No social security number was provided of hers and the only signature of hers provided was in fact in the copy of my birth certificate which I provided as US citizen proof. The issue is that a profile was generated for me and another for her on Nelnet loan Servicer website. Hers is titled as a Mortgage. Under FSA it's a PPL and the school no longer exist thus request I've submitted requesting signature loan application that I only sign have not been provided by Nelnet, which by the way manufactured the account illustrating Nelnet as the sole loan provider they claim she independently requested. That goes for account in my name. Get this : if I call to speak of the account in her name I'm denied since she has not notified that I'm allowed. So why didn't they notify her that they have an account in her name that has accrued subsequent amount in dept that legalized these businesses to profit margins stemming from causing debt I did attend XXXX did obtain aid. I need this corrected so that I pay it back. My two initial loans were XXXX. The program was XXXX. I worked for XXXX as a recruiter while studying the second half at XXXX XXXX N.campus. As incentive if ONE of my scheduled recruits were closed by a Licensed enrollment counselor my post graduate repayment obligations could reduce. ( 3 ) of my recruits committed. On the last day I was handed a bonus commission check for XXXX. Today according to Nelnet I owe XXXX. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I submitted a complaint XXXX  month ago about my issues with XXXX NOT reporting my credit cards that I pay for monthly for good history. I have a total of XXXX cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my XXXX and Equifax properly. XXXX is the only bureau not reporting correctly. 

CFPB said this has been resolved with XXXX and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from XXXX first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My BarclaysUS credit card account XXXX payment in the amount of {$3100.00} was mailed XX/XX/XXXX. The check cleared my credit union on XX/XX/XXXX but on XX/XX/XXXX I noticed that the credit card account balance still didnt reflect my recent cleared payment. 

The statement cycled XX/XX/XXXX so I was charged another month 's interest for the error and my credit report does not reflect the accurate account balance because of the error. I contacted Barclay on XXXX and they insisted that the 7 day check payment processing delay to review the missing payment didnt take effect until XXXX and that I should call back later. I called back on XX/XX/XXXX and opened a case # XXXX for the lost payment with employee XXXX XXXX XXXX. She informed me that the payment research team has 1 to 2 billing cycles to respond to my inquiry. A 67 delay to find a lost payment is unacceptable. 

I ask the CFPB to hold BARCLAYS US accountable to its customers in a reasonable amount of time and provide timely corrections with interest refunds, retroactive credit bureau corrections and punitive fines.

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 monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After receiving my monthly consumer report, I l reviewed it and noticing several accounts that's reporting to my consumer report without my consent and which is also inaccurate or invalid. I've mailed Experian a dispute letter asking them to investigate this account that isn't authorized to be reporting. Without my consent, that is a violation. This unverified account is negatively impacting my credit score in which it doesn't even belong. How are they reporting a debt if there aren't any agreements by me to report it? How can I owe a debt if me and the creditor never had any existing agreements on a balance in order for this debt to occur? I have no knowledge of this company reporting this account in which Experian should be able to see that we haven't agreed on anything. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account shouldn't be reporting. 

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer 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 2022-02-18
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX XXXX XXXX and took out student loans. They promised to help find job placement but I never got a job in my field and now I am stuck with student loan debt that I can not pay back. I attended in XXXX and was out of work until XXXX then I started working part time doing shipment. Please help I beg you please. Im now working as a medical assistant and going to school to become a nurse but Im paying for all of my classes out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10
Company: EQUIFAX, INC.
State: NJ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Mercedes Benz Financial Services
State: NJ
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:
On XX/XX/2022 they reported me late to XXXX XXXX and XXXX. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at Mercedes Benz. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2018-09-13
Company: Southern Auto Finance Co
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX in XXXX tricked me into purchasing a vechicle which was about {$5000.00} over priced. They did not inform me that the car was only worth {$6000.00} at the time. I did not find out until I attempted to refinance. The bank informed me I owe 2x what the car is worth. My payments have always been on time. But still I can not get refinanced. The XXXX XXXX location I purchased the car from has since been closed down for fraudulent practices. I am now stuck with a 18 % interest rate and a car unable to be refinanced. Safco the lender stated to contact XXXX XXXX. They refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented an apartment at The XXXX at XXXX, in XXXXXXXX XXXX beginning in XXXX, XXXX with a year long lease. The following spring, I needed to move back to XXXX because of a family issue, prior to the end of my lease. I gave adequate notice to vacate my apartment ( ~60 days ) and was given a letter stating that I owed {$4700.00} in order to terminate my lease early. I was shocked and sought legal counsel, XXXX XXXX XXXX, XXXX. I also consulted the Maine Consumer Law Guide to help me understand my rights in this case. As confirmed by my attorney, the law ( 14.16 " Unfair Rental Contracts '' ) states that " No matter what lease a tenant signs there are certain tenant rights that can not be waived, no matter what the lease says : A. The landlord can not charge a tenant for the months remaining on the lease after the tenant is evicted or leaves unless the landlord makes a good faith effort to re-rent the residence. '' This is the crux of the issue here. In my remaining weeks at the XXXX after I had given notice, management did not once contact me regarding showing the unit, nor was the apartment advertised during that time. XXXX XXXX advised me not to sign the " Notice of Intent to Terminate Lease Early '', in a letter to the XXXX  dated XX/XX/XXXX. Also stated in this letter is my willingness to show the apartment at any time. In addition, I paid my rent through the month of XXXX, XXXX, although I vacated the apartment before the end of the month. 

On XX/XX/XXXX, I received a letter from The XXXX requesting that I remit the amount of {$3800.00}, which was the original amount owed, less my security deposit. Upon my attorney 's counsel, I took no action to this request. Then on XX/XX/XXXX, I received a bill from Fair Collections & Outsourcing of New England, a debt collector, for the {$3800.00}. A similar letter from Fair Collections was received on XX/XX/XXXX. Upon notifying XXXX XXXX, he sent a letter to Fair Collections explaining my situation with The XXXX, and warning them to " cease and desist '' in their efforts to collect the alleged debt, and in placing a " XXXX mark '' on my credit report. XXXX XXXX sent another letter to Fair Collections dated XX/XX/XXXX again requesting that they " cease and desist IMMEDIATELY '' in their efforts to collect this disputed debt. As happened with The XXXX, my attorney 's correspondence and requests were summarily ignored. 

Lastly, I was notified by XXXX XXXX on XX/XX/XXXX, that this collection had been entered onto my credit report. Again, I notified XXXX XXXX who is now preparing further steps in this case. In addition, I have submitted disputes to all three credit reporting bureaus : XXXX, XXXX and XXXX. I do not owe this money, and I would like for this derogatory mark removed from my credit history.

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 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
They decided to take it off equifax but still reporting on XXXX and XXXX. This account belong to someone else

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 2023-03-10
Company: Experian Information Solutions Inc.
State: IN
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} XX/XX/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 2022-03-28
Company: Park Hill Holdings
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021 complainant submitted for a residential property the screening process was conducted by company " Safe Rent Solution fka CoreLogic RPS '' said company Safe Rent Solutions used software owned by " XXXX. '' The information created by Safe Rent Solutions identified complainant as a XXXX XXXX XXXX On, XX/XX/XXXX and caused complainant to be denied, causing complainant psychological harm and damage to personal property and complainant marriage rings, Safe Rent Solution was aware that the information it was creating was not that of the complainant or should had known. Safe Rent Solution used inadequate software which only searches using first and last name, and the software used by XXXX did not reject the information Safe Rent Solution had created which misrepresented the complainant by mixing credit report and criminal background which gives the appearance of the information being correct of consumer. The consumer background check is that of public record and should be maintained as such, as it has proven to be misleading information about consumer. Complainant is XXXX by way of XXXX XXXX XXXX XXXX  and when attempting to speak to personnel employed by Safe Rent Solutions a person name unknown XXXX XXXX  identified himself as counsel for said Safe Rent Solution, XXXX XXXX  made degrading remarks concerning complainants ability to reason, understand or comprehend and stated that complainant couldn't read and he was of less then that of a XXXX XXXX XXXX, these words used belittled complainant making him feel useless and without self esteem, complainant became delusional for months unable to gain a grip on his life feeling isolated and trapped, making complainant feel like a creep and or that everyone was out to harm him and that others were looking at him as a XXXX XXXX XXXX, this caused pain and suffering, complainant submitted a complaint to CoreLogic XXXX the company rejected the complaint however phone communication with XXXX 's Fraud department revealed that company XXXX was working with Safe Rent Solution.

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 2023-03-10
Company: Specialized Collection Systems, Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation