BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: CA
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'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX TX XXXX phone number ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX phone number XXXX. 
XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished 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 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: OK
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:
This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Company: Atlanticus Services Corporation
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, and JPMCB CARD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
SAVE application was filed with Federal student aid.gov on XX/XX/2023. Application was sent to Nelnet on XX/XX/XXXX. I also applied for PSLF through XXXX. On XX/XX/XXXX, Nelnet advised that loans were being transferred to XXXX. It was then that I realized my loans were approved for PSLF. 
On XX/XX/XXXX, i received a notice of billing from XXXX. The bill did not reflect a lower billing amount from SAVE. In fact, the bill is unaffordable for me. I called XXXX, and they stated that they never received a SAVE application from Nelnet. I called Nelnet on XX/XX/XXXX. They swore that the federal SAVE application was sent to XXXX at the same time that my lowns were transferred-on XX/XX/XXXX. I called XXXX again. They stated it was not sent. Today I spoke with a high level supervisor at Nelnet. He confirmed that my SAVE application was NOT sent to XXXX at all. I asked why my SAVE application, as part of my file, was not sent with my loan transfer. I did not get an answer. So first I was lied to, then I got apologies. There was no notification from Nelnet that I had to reapply for SAVE, or that it couldn't be processed, until 3 weeks after my loans were transferred to XXXX. 
I had to reapply for SAVE on XX/XX/XXXX, making it too late to effect 2 bills from XXXX so far. These bills are unaffordable, causing me to go into forbearance. 
SAVE is a federally filed document. I should have been notified, as it was also part of my account, of anything regarding its processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: GA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello so on [ date ] I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2023-11-09
Company: CarMax, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX carmax reported my account late and in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 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 2021-01-06
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor : XXXX XXXX XXXX XXXX FOR {$1000.00}??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified item 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 creditors documentation on file 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 this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}, and XXXX XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Nelnet, Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
A while ago i lost my social security card, i got a copy a while after, now i am being credited on my credit report for a {$4700.00} student loan when i have not applied for a student loan nor do i even attend school, i tried going on the NelNet website and tried to log in then it is saying that they need XXXX Factor Authentication when i have no info for the XXXX website nor do i have a NelNet account nor do i have an active student loan. i have tried contacting the company NelNet but they do not have a customer service email, they also do not have any operator on the phone line to speak with and i have called 3 days already and nothing, i was also on the phone with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't really accept that I had this record with these gatherers/leasers. I attempted a couple of times to get in contact with them and solicitation possession confirmation, yet they neglected to give me the significant administrative work to demonstrate that I really own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Spring Oaks Capital, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please do a full search on my report It's spring oaks capital llc of a balance of XXXX XXXX  last reported on my report was XX/XX/XXXX XXXX I'm asking please to remove this off my credit profile on my XXXX an on XXXX it's reporting on my XXXX XXXX profile. Also I have 4 hard inquiries on my XXXX XXXX that need to be remove I didn't not authorize anyone to pull my report, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX An XXXX XXXX XXXX XXXX XXXX XXXX Derogatory mark on my report XXXX XXXX  The same two hard inquiry on my XXXX XXXX account is on my XXXX report XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Please delete these errors off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Nelnet, Inc.
State: CA
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:
I can not get a hold of anyone at nelnet and I have to wait over XXXX hrs to get a hold of someone and if I do they are incompetent. Everyone online is saying how theyre cheating people out of money the amount of money theyre saying I owe is off and way more than what I owe. I dont trust a company who can not answer my calls help or guide me I can not make payments when their site wont allow me to login regardless of making new passwords and they want me to create new accounts so they can wipe out my previous payments and charge me more. They dont answer calls or emails this is ridiculous! I need them to remove me theyre going to ruin my credit due to their messiness and incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: TX
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:
Fraudulent account of student loan bill created that does not belong with my info or should be affecting my credit score. 
{$1700.00}, {$2500.00} that I do not owe. 

The creator of this fraudulent account does not have contact number for return call, inaccurate info regarding appointment.

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 2022-04-26
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my identity to rent an apartment for XXXX XXXX. I did not authorize this transaction. Upon review of my credit report I filed a FTC identity theft report. I sent a copy to the credit bureau with a formal dispute letter. This company continues to verify to the bureaus that this debt accurate??? How can this account be accurate if it's fraud? According to the FCRA section 605 b this information should be blocked from my credit report. All collection attempt should cease. Because they refuse to follow the law and at the minimum have integrity to at least pause collection activity until a thorough investigation is completed. I was recently denied a loan because of this account. It was hurtful and embarrassing. This is Fraud Enablement and Defamation. It is morally incorrect and unfair that they do this to me. I'm the victim amd is being punished fir trying to correct a problem that I didn't cause. I never lived in this apartment or had any business dealings with them or gave them my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Identity theft victim made reports with FTC local PD and shared identity theft reports with three major reporting agencys and have little resolve also submitted countless disputes Transactions history are on report and late payments both are not permitted by FCRA also o have additional rights as stated in FTC for victims of identity theft. Also information has been compromised by multiple corporations. Proper investigation of information accepted by reporting agency as true and factual not conducted as evidenced by deletion of false inaccurate information as a result of disputes. Deletions are admissions and due diligence not carried out and proper investigation of furnished information was and continues to not be executed by any of agencies

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 2019-09-08
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I recently tried recertifying my income based repayment through Navient. I submitted everything required for student loan.gov in XXXX well before the deadline of XX/XX/XXXX. I provided Navient a timely copy of my tax return around the same time. I initially called on XX/XX/19 and was after talking with Navient representatives that they had received my documentation and that a tax return was all that was required. I asked if my application was now renewed but each time they said that it took a few more business days to confirm my documentation. This was consistent with their website as each time Ive submitted it the confirmation message asks for at least 10 days for processing. Navient sent me an email confirming that they had my application on XX/XX/19. 

Navient does not have a method to confirm your income documentation and there is no confirmation method for any of this process on their website. I found this whole process fishy as I never got confirmation that my plan was renewed only that my application was received and I never got confirmation emails when I would resubmit the tax returns. 

Two days before the deadline of my income-based repayment recertification on XX/XX/XXXX I was told via a single email that Navient did not have any documentation and that my income-based repayment was expiring. This occurred just before a weekend and Navient is not contactable during weekends. I was not able to contact navient prior to the deadline two days later. 

The deadline has passed and Navient is now going to remove me from my income based repayment plan, my loans will be capitalizing, and I my payments are going from {$180.00} to around {$1700.00} next month. 

I simply want Navient to have accepted the multiple tax returns that I have sent over the last two months which were well within the deadline and get to stay in my income based repayment plan. This has been a consistent theme in working with Navient as this will be my third time having to submit to the CFPB regarding Navients attempts to keep me from an income based repayment plan.

Company response to consumer: Closed with explanation