BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Nelnet, Inc.
State: PA
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:
I had XXXX XXXX XXXX loans with XXXX  and the total was {$110000.00} prior to interest starting back up. I submitted a paper application on XX/XX/XXXX to Nelnet requesting to consolidate XXXX of the loans for a total of {$51000.00}, as well as an application for IDR payment plan. They received the application XX/XX/XXXX and I was notified that my loans were being processed and should be completed by the end of XXXX. When I log into my Nelnet account I have a balance of {$100000.00} which is double the amount is should be. I called Nelnet on XXXX at XXXX and waited XXXX minutes to speak to someone. I was advised when they first process the loan the amount doubles but will be corrected. This incorrect amount was also reported to studentaid.gov. This will eventually be reported to the credit bureaus, and interest is piling up on this incorrect amount. I need someone to help fix this asap. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
All negative accounts on XXXX  report is fraudulent with no proof of ownership.also all 17 inquiries. 
Equifax is also exploting fraudulent accounts with no proof of ownership.also inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have medical debt that was sent to Capital accounts LLC for collections. I disputed this account on XXXX and XXXX in turn Capital Accounts sent me a verification letter of someone else. Multiple pages with someones name, address, birthday, social security number, account numbers, drs office name, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-26
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Loan ID XXXX : Date Opened XX/XX/2022 Loan ID XXXX : Date Opened XX/XX/2022 Loan ID XXXX : Date Opened XX/XX/2022 A police report, affidavit, and merchant letter have been provider to AFFIRM in my favor. To no avail, this company has placed this item on my credit report with no response to my request to find out how these items were validated. On one hand the company is telling me that they can not provider me any information because the orders are not in my name. But these items remain on my credit report with weekly updates that indicate a late pay. AFFIRM has killed my credit score I have also asked for arbitration in this matter with no response The 3 referenced accounts have been in Disputed with Affirm. As of XXXX, 1 of the 3 accounts had been place on my credit report and successfully disputed under XXXX. XXXX reviewed the affidavit, police report, and vendor statement finding the information sufficient in my favor and 1 of the 3 accounts was deleted. Today AFFIRM has place the other 2 account on my credit report. In addition, the 2 accounts newly placed show at 2 % and 5 % paid which is incorrect. From the beginning these accounts have been identified as fraud and no payment from me was ever made. The police report, affidavit, and merchant statement indicated that these are not my accounts. Affirm will only state that their review indicates that I am liable. There is not a live person to speak to regarding the findings

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have reported on my credit report that I opened an account with their client XXXX  in XXXX of 2020. They are now collecting on their behalf. That is false. It has been over seven years since Ive had cable with XXXX  and by law they shouldnt be reporting anything on my credit report. Especially since its been over seven years that illegal.

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 2021-03-14
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the course of a few months and after several phone conversations and letters with Navy Federal Credit Union regarding a credit card transaction on my consumer report. Per 15 usc 1692g I have requested the " original creditor. As well as to cease and desist all collection activity while said account is under validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Greetings! 

Due to a job loss last year, and struggling to find employment, I fell behind on my mortgage with XXXX, never getting more than two months in arreages. On the XXXX of XXXX, XXXX, I attempted to make a payment to XXXX via my XXXX XXXX account, only to receive a message that the payment was declined. I called XXXX and was informed that my loan was now being processed by BayView out of Florida. XXXX emailed me a copy of the Goodbye Letter, and gave me the phone number for Bayview. I called them and spoke to XXXX ( spelling..? ) who told me that my payments were still due at the same time, the interest rates had not changed, and that I had 60-days to make the first payment to them. I expressed my relief as I had also been without transportation since the previous XX/XX/XXXXand currently walk to work ( an hour to, and an hour from ) each day that I am scheduled and could put the funds on hand towards repairs on my vehicle. After the beginning of XX/XX/XXXX, I began receiving notices on my door from BayView, and then a letter stating that unless I paid $ 1700+ by the XX/XX/XXXX, they would foreclose on my home. I was baffled and in disbelief! BayView were assigned the mortgage the XX/XX/XXXX, and the letter from XXXX stated the 60-day window for initial payment. BayView has NOT honored that 60-day window, instead, cutting it down to thirty-days. ( ***Note : I have XXXX XXXX XXXX XXXX XXXX with XXXX  ; Chase was well aware of this as it was in the refinance documents I had submitted to them in XX/XX/XXXX. At this time, I am a single mother, working part-time at XXXX XXXX - hours are seasonal at best - taking care of my youngest daughter who is enrolled in online public schooling. My financial resources are limited as I can not find other employment until my vehicle is repaired. *** )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively. 

As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party. 
( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place. 
( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure. 

These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure. 

Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not.

I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. 

Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I mailed reinsertion letters to XXXX, Equifax & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, Equifax & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I recieved a letter from MRS BPO , LLC stating they were contacting me about a debt I owed to XXXX. The letter stated I owed {$25000.00}. 

On XX/XX/2023 I received a second letter from MRS BPO , LLC stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX, now XXXX. It stated I owed {$5300.00}. 



I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : https : //www.consumerfinance.gov/. This letter asked for all possible verifying information on my debt. I sent this letter to MRS BPO , LLC through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so. 

Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.

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 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and Trans Union are disregarding FCRA statutes and FDCP statutes. By ignoring my certified request. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX  has willfully refused to acknowledge my request. In the attached documentation you will see that a I request XXXX XXXX TU block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency.

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 2021-05-06
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:
I have a recently received my credit report and noticed a bankruptcy on my report that i did not authorize or give consent I know and understand that is a violation to my right to privacy as a consumer according to 15 usc 1681 ( a ) ( 4 ) furthermore I did not give consent to this information to be furnished according 15 usc 1681b ( a ) ( 2 ) this is a violation to my consumer rights I've also contacted the bankruptcy court and have been notified that they do not report to the credit reporting 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 2023-11-12
Company: Early Warning Services, LLC
State: NC
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: Investigation took more than 30 days

Complaint:
Contribution Reference XXXX XXXX XXXX XXXX XXXXXXXX I disputed this account with Early Warning Services back in XX/XX/2023 the information they are reporting is incorrect and inaccurate and I would like to have this account removed from my credit report immediately. I've also disputed this account with XXXX  XXXX XXXX through CFPB and I've filed a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, out of no where 10 accounts have been added to my account of an alleged debt that I have never received by letter or never heard of the amounts that have been added to my consumer report. I im requesting under the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for Validation made pursuant to above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I also demand that you delete the alleged debt off of my credit reports. This is also violating 20 Ferpa Act 1232g ( b ). I did not authorize to disclose the alleged debt on my student loan information to Nelnet. I am now concerned about the privacy of my student loan information. I do not want any other third party to have access to my student loan information without my consent. I am requesting an investigation on this matter and steps to prevent the unauthorized disclosure of my student loan information in the future. I would also like to be reimbursed for any costs if in fact the alleged account is mine that I incurred as a result of this unauthorized disclosure to another third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a vehicle from US auto sale, and they went out of business. The car was turn off and repossessed. They sold the debt to Westlake, and now Westlake is saying, I owe the debt to them that US auto sales sold them, and I do not have possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have attempted to contact XXXX XXXX and the City of XXXX attempted to contact them via mail and e-mail at the attorney on the file at that time. 

Request - adjustment of fees owed on debt for XXXX # XXXX Notice to appear after written request - approved one day before date to appear Received AFTER date this year XXXX. 

Judgement dated XXXX {$2600.00} attempts to contact attorney on file from City of XXXX. dating back to XX/XX/XXXX copy of title search on file shows debtor mail was returned to City of XXXX. In XXXX calls and mail unsuccessful to solve debt. Now debt amount $ XXXX. 

Wrote requesting adjustment of interest and none given. This is an attempt to have the debt adjusted and then I can submit payment. 

Now attorney is XXXX XXXX XXXX XXXX XXXX XXXX credit card debtor XXXX XXXX XXXX  XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I reported American Express to the CFPB when my account was closed by them to retrieve the annual fee. The fee was refunded in part, {$400.00}, as a result of that report. I should have been refunded in full as the card benefits were taken away and the contractural agreement was broken and invalidated unilaterally. Today, almost a year later, I received an email that I was being recharged {$200.00} ( {$200.00} plus {$4.00} in interest ) for a card benefit that was issued twelve months ago. When I contacted American Express to have this corrected I was told that they had reversed a card benefit for the return of a product ( over one year ago ) and there was nothing I could do to resolve it. This is completely unreasonable and unethical and a breach of contract. A move like this on their part creates chaos and instability in the consumer credit environment and must be reversed. If they did this to me, they are doing this to many previous card holders. They should be fined accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is n/a and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 14 days. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation