BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account from my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the account that does not belong to me or was opened without my permission. 

XXXX XXXX Balance : {$250.00}.

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-10-29
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: Account status incorrect

Complaint:
XXXX and equifax are reporting 26 inaccurate late payments on closed student loan accounts that I was never late on. XXXX have already removed the inaccurate late payments. The loans was reconsolidated into 1 loan and they are still showing the inaccurate late payments from the previous student loans. My student loans has always been in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: National Credit Services, Inc.
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At XXXX CST on XXXX XX/XX/XXXX I was contacted on my cellphone by NCS. After verifying my name, the agent did not identify herself nor her agency, openly announced my current address, and then asked my DOB. At that time, I asked who the agent was with and what this was regarding, and she identified her agency, which was NCS. I asked her if it was illegal for her to proceed without identifying herself, and she told me it was in fact illegal for her to identify herself before verifying my DOB. I then verified my DOB and asked permission to continue recording, to which I consented. She then went on a script that this was an attempt to collect a debt ( I know that they are contracted to service my student loan - which is protected from collection efforts until the CARES Act expires XXXX XX/XX/XXXX ). She then went on to read more about the Cares Act and it expiring in XXXX of next year. As I was unable to understand her due to fast pace and mumbling, I asked her to clarify. She in no way clarified, but simply repeated herself in a way that I almost understood as Rehabilitation of my student loan that is currently in default. She then provided me with an incorrect amount due of {$11.00}, xxx. Due to the zero interest for the better part of XXXX, regularly checking my credit report, and an effortless check of my current balance at XXXX I was knew that my balance due is {$9700.00}. At this time I made efforts to end the call, as trying to collect an incorrect balance is a direct violation of my rights. She then got agitated and said something under her breath, which was the moment I terminated the call. This agency makes practice of not identifying themselves and has done so on every occasion that they have called me from the time that they acquired my account in late XXXX. They have also provided incorrect information in XX/XX/XXXX, on a call to the same number, stating the only way that I can get my loan out of default would to be to pay it off completely. Considering they called 9 months later offering to rehabilitate that same loan, Im going to go ahead and say that their collection efforts are not only abusive but illegal and a violation of rights. I will be filling this complaint and multiple disputes on federal, state, and credit bureau platforms. The American people deserve better than what this company is providing on a tax dollar paid government contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan servicer is Nelnet. They have usually been responsive in the past but that has recently changed. They no longer provide a chat option that I can find so the only way to contact them is by phone ( absurd wait time, I am on hold right now for 20 plus minutes ) or by filling out the contact form.

So I tried the form. 3 times so far with no response. None!

I work for a public agency and get paid once a month. I wanted to request that my payment date be changed to nearer/after my pay date. I filled out the form 3 times with this request and submitted it but have not received a response as of this date. Not once! How is this possible? How is it fair that I am just talking into the ether with zero response? Why am I held accountable but they are not? This is not ok and there should be consequences for my being unable to manage my account or communicate with those who I am dependent on to manage my account. 
They are setting me up for failure. I just checked my account and it shows that I am late on my payment ( duh, I need it 10 days in the future! Is that so hard? ), and I'm sure there is a nice late fee attached to that. 
Anyway, what am I supposed to do? The citizen is helpless in the tech age with no way to resolve issues. Just a lot of dead air. Next I will contact the Bursar ... or an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of XXXX XXXX I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX ACCOUNT BALANCE : XXXX ACCOUNT NUMBER 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 2020-12-16
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical procedure was done at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I paid the copay ( {$95.00} ) the medical center said I owed before the procedure. Afterward, I received a bill from the medical center for {$890.00}, though my medical insurance claim showed I owed nothing. It looks as if the medical center didn't get the required preauthorization. I called the insurance company and the medical center. I sent a notice to the medical center with a copy of their bill, explaining. They turned it over to collections. I sent a letter to the first collection agency ( XXXX , XXXX ) on XX/XX/XXXX, with copies of all pertinent information. Six months have passed and now I'm receiving a collection letter from a different collection agency ( Capio Partners , LLC ). So I'm writing a letter to them disputing the bill with copies of all pertinent information. How do I make this stop?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Account Name XXXX Account Number Debt Buyer Account Type .On XX/XX/2020 this debt was removed from my XXXX  report due to not having sufficient verification of debt. I disputed the debt with Experian and XXXX  in XX/XX/2020 and asked for verification and validation of debt. I havent received anything from the credit bureau or creditor. On XX/XX/XXXX I wrote the creditor and credit bureau requesting proof be sent to me validation and verification nothing was received but the creditor and credit bureau updated this debt on my report with no proof. The date the dispute was submitted was XX/XX/XXXX, dispute updated XX/XX/XXXX and disputed results ready XX/XX/XXXX. It was not processed correctly and they did not require any proof be submitted only went on the creditor words. According to the FCRA that is illegal. Im asking this to be removed from all accounts immediately.

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 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
hello XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Wyoming XXXX XXXX I took a glance at my credit report and notice this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX please investigate this account and and delete it form my report after your investigation.

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 2023-10-04
Company: EQUIFAX, INC.
State: MI
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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: LA
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:
Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows High Balance : The high balance reported differs significantly.

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies.

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies.

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information.

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information.

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX {$150.00} XXXX {$880.00} XXXX {$27.00}

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 non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2022, XXXX XXXX XXXX ( XXXX ) added a derogatory mark on my credit report per Transunion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX ( XXXX ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2020-12-16
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased home XX/XX/2020 mortgage through XXXX home loans. First payment XX/XX/2020 XXXX made online to XXXX on XX/XX/2020. Second payment due XX/XX/2020 XXXX made again online to XXXX on XX/XX/2020. Received a letter on XX/XX/2020 from Loan Care  stating my loan had been transferred from XXXX to Loan care as of XX/XX/2020. Any payments prior to XX/XX/2020 could still be made to XXXX loans. I made my payment correctly to the letter received attachment included. XX/XX/2020 received a letter from loan care stating i am deliquent on my XXXX payment. Called loan care customer service 7 times in XXXX stating i have proof XXXX bank statements XXXX showing XXXX to XXXX  sent to loancare on XX/XX/2020 XXXX call to XXXX. loan care rep stated would escalate this again to a supervisor to allow 7 days. Called XXXX  loans and was sent payment history showing payment made for XXXX. XX/XX/2020 seen no change on loancare.com for payment being behind. Called loancare customer service was told by rep payment received XX/XX/2020 was applied to XXXX and was behind. Stated once again invalid sent in bank statement showing payment taken XX/XX/2020 to XXXX home loans hard posted XX/XX/2020. Loan care rep stated nothing can be done with my principal payment XXXX in unapplied payment because did.not know.where it needed to go. I set up a 3 way call with XXXX  loans and loancare on XX/XX/2020 XXXX  XXXX  rep stated to loan care rep XXXX payment was applied on XX/XX/2020 and was included in the payoff transfer amount given to loan care in amount.of XXXX. XXXX stated would XXXX follow up with supervisor allow 7 days. Today XX/XX/2020 received email from XXXX stating my bank statement for XX/XX/2020 payment of XXXX to XXXX  loans hard posted XX/XX/2020 was not sufficient proof of payment. Submitted today XX/XX/2020 XXXX XXXX  payment history to payment XXXX called loancare again asking for follow up. Rep stated again no reflection of payment showing and still behind. I asked to spean to the supervisor. Was told supervisor would give me a follow up call after XXXX XXXX-XXXX  because of my work schedule. No call received. Loan care rep just states i have respa protection for this. It has been 30days and no resolution. I have once again reached out to XXXX XXXX  spoke with the orginal mortgage lender for my loan and was told this would be taken care of. I am frustrated and stressed out and do not want this to reflect on my credit score. I made my payments have proof and want loancare to be investigated.

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