BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: Nelnet, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I submitted a TPD application to the department of education ( Nelnet ) to totally and permanently discharge my school loans because of my XXXX. My account number is XXXX. On XX/XX/XXXX my application from the US Department of Education approved my total and permanent XXXX discharge application and I entered into a three year post discharge monitoring. Period in XX/XX/XXXX, I received full approval for total and permanent XXXX discharge after the three-year monitoring period. Additionally, on XX/XX/XXXX, I received, a fully favorable opinion from the Social Security federal judge. 

After reviewing my credit documents, some thing I was unable to do because of my illnesses for so long, I noticed there are 24 closed loan accounts from the department of education with zero balances, but still were counted as closed accounts. In addition, there was one account, which was reported as open, but had a zero balance. As you know, closed accounts on a credit report can do much damage to the person with the credit report. 

I contacted Nelnet and explained my argument that a discharged loan is not the same as paying off a loan or forgiving a loan. I have found evidence on various websites of Nelnet and the department of education, which support my argument. 

I would like to see these accounts deleted from my credit report as soon as possible, as a Discharged loan counts as a cancellation, especially because the person receiving the discharge is unable to apply for another school loan while keeping the TPD status. 

Please help me make this right wrong for myself, and for others with XXXX, struggling to repair their credit after years of patiently waiting to be approved for financial assistance. Thank you very much. 

All the best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent a letter to Equifax notifying them that I have NEVER lived XXXX XXXX XXXX XXXX XXXX MA XXXX. The address is a business address which would make it impossible for it to be my place of residency. I asked them to delete the address and any associated accounts that may be associated with this false information on my report. Equifax failed to delete the address. I also notified them of the inaccuracies on the XXXX XXXX  Account No. XXXX. They claimed the account was verified after I pointed out that they were reporting the wrong date the account was first reported. They show two different dates one says the first reported date of XX/XX/XXXX but the account history shows the date first reported was XX/XX/XXXX. Which one is accurate? How is this consistent? I also asked them to investigate XXXX XXXX Account No. XXXX as I do not recall being late XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ), if you are unable to verify the payments were late ; please update the account to show OK/never late/pays as agreed. Clearly, this information doesn't make sense and a proper investigation was not performed. Equifax has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Navient Solutions, LLC.
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:
In XX/XX/XXXX, I had contacted Navient to change the loan type to a graduated interest 30 year loan. At the time, I was told that it didn't make sense to consolidate my loans, because I'd essentially be paying the same amount every month regardless. Additionally, I was informed that the loan qualified for the Public Service Loan Forgiveness Program. I inquired about this since I was XXXX at the XXXX University of XXXX XXXX  as an XXXX, and was working full time at the XXXX XXXX XXXX XXXX/XXXX ( XXXX  ). 

Three years later, in XX/XX/XXXX, I attended a financial health workshop during the XXXX XXXX XXXX XXXX 's XXXX  XXXX conference. At that time, I was informed by the facilitator that my loan in fact DID NOT qualify for the the Public Service Loan Forgiveness Program. I was provided information regarding which loan types qualified, the need to have all of the loans consolidated, and that I needed to certify with my HR department at XXXX of my full time status every year for 10 years, and needed to make 120 on time payments. As a result, I paid on loans for three years without it counting toward the 10 year period for the Public Service Loan Forgiveness Program. 

Early last year, I consolidated my loans. However, it appears that the amount of the consolidation is more than what my total amount of loans were. 

I only recently learned that New York State has joined a class action suit along with XXXX against Navient, and hope to be part of that suit. In the interim, I'm hereby lodging a formal complaint against Navient and its mishandling of student loans and providing false information to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
Company: Experian Information Solutions Inc.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX : {$11000.00}.

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 2020-10-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I attempted on several occasions to resolve a debt issue by offering a settlement and was ignored outright and then sued for the debt. When I attempted to resolve the debt after notification of the debt, they ignored me again to force a judgement in court. I last spoke to someone a week ago who said they would have a resolution in 24 hours and are not responding to my attempts to settle.

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 2020-12-24
Company: World Omni Financial Corp.
State: FL
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:
I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX  XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX  XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: AL
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that 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

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 2021-07-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021 I sent out a letter to the three bureaus about the personal information on my report. I listed my correct information and requested them to remove all other personal items on my report. Its been 2 months since I sent this letter and they have yet to make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
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:
15 USC 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

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 2023-08-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
We had 2 months deferred due to the pandemic and is showing 30 days late. the account is now paid off and should reflect as never late Please see attached deferred payment agreement

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 2022-04-06
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: NY
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 called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. 
Please help me resolve this issue as soon as possible. 

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 2020-10-02
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for refinance with same lender/servicer at end of XXXX, refi at lower rate, no appraisal necessary. Both my wife and I have excellent credit, in the 800 's, have never been late on a mortgage payment. We first purchased our home, primary residence last XXXX, XX/XX/2019. We have been run through the ringer with poor communication and miscommunication. We've jumped through all requirements expeditiously but still, almost 5 months later trying to refi. Agents, we've been passed around to several different agents, choose not to tell us if we still have the lowest 30 year fixed rate which was locked many months ago, even though mortgage rates have gone lower. We have received " clear to close '' several times but for some unknown reason, the loan gets kicked back to underwriting. This last time, we were told that the hold up was getting subordination department clearance, and we were told that it would be faster if we refi without the home equity line of credit, which has a balance of approximately ~ {$1900.00}. We want to close this refi asap so we told NewRez that we would just pay off the balance and refi without the 2nd home equity line of credit ( again we were told it would be in our best interest to get the loan done faster ). This refi has been the worst financing experience we've ever experienced and we have a lot of experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: TN
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-08-26
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit report contains my personal information. And payment history with XXXX XXXX XXXX. Solely affecting my credit score.they have been reporting a consumer credit transaction report to XXXX since XXXX XXXX. XXXX XXXX was another lender who has violated consumer protection laws. I believe I am subject to a wide spread cyber attack due to all the other third-party companies who has access to my credit report. It has been more than XXXX different finance companies who accessed my credit report on XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX are all in violation of consumer law. I have tried multiple times to apply for installment loans and time and time again I was denied due to my credit report. XXXX XXXX XXXX has affected my way of living and put me in fear of my personal information being compromised due to them reporting my personal information and payment history and has affected the way I provide for my family. I can not apply for business loans or mortgage loans due to my poor performance on XXXX. Poor performance being things Congress states that doesnt suppose to be in my credit report in the first place. Before XXXX XXXX XXXX started reporting consumer credit transactions to XXXX my credit score was XXXX. I was not protected by consumer law. XXXX XXXX XXXX  even reported multiple addresses that are old or outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been contacted multiple times by XXXX XXXX about an auto loan that is past the statute of limitations in tn. The last payment on the acct was in 2009, and according to tn state law for debt, the sol is 6 years. This acct has gone through multiple collection agencies that have attempted to collect on this after the 6 yrs has passed. It has now been 11 years since last payment was made. I tried to advise company of this, and they threatened to have my very small monthly payment from the VA garnished to pay this, leaving me with less than enough $ to pay my Bills to keep my children and myself from being homeless. The agent stated they dont care about myself or my XXXX XXXX XXXX, they just care about their client getting my money. 
They also have never contacted by letter to advise of this debt, the amt owed, or confirmed the last payment made. Only reason made threats against me

Company response to consumer: Closed with explanation