BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: Mountain Run Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have request to receive documentation per my consumer rights under ( FCRA ) Fair Credit Reporting Act. copies of paperwork for this account, Mountain Run Solutions account # XXXX which is showing on all 3 credit bureau reports and reporting inaccurately. They will not verify the debt properly ask Ive requested 3 times via mail to request copies of debt, along with requesting all payments made to this account, date of payments posting, method of payments used and verification of those payments made, electronic check, credit or debit cards used. Signatures of contract and location this account and when it was moved from original creditor to this company collection agency. I have attached a preview of disputes through online service, I demand a request for proof of how the credit bureau was contacted, who was spoke to, what number was dialed out to the 3 bureaus, names of agents, ID numbers and the time of each call length, and method of how I was verified. This issue is to be resolved immediately if you feel this is an error, please provide to the everything I requested above, or remove this account immediately from all 3 bureaus. Also after me requesting for debt of validation by mail, they send these text messages listed, is not very secure or private, I have a problem with that situation at that. Also there again in the 2 message screenshots there is no break down or any information that I requested.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: ACS Education Services
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft, I have charges from a student loan that were not mine, they told me that I owe them {$10000.00}, and I do not, I have long since disputed the charges on my credit report, they closed one account, the name of the company is ACS and XXXX, it's been difficult cause I have been calling them and letting them know it wasn't mine, I paid back one that I got from the University XXXX XXXX, it was only {$1700.00}, the rest resulted in erroneous charges that came out of nowhere,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Nelnet, Inc.
State: NY
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:
On XX/XX/2023 I submitted a request, through FSA, to have my loans placed on the SAVE plan. Nelnet, my student loan servicer, did not process my request. On XX/XX/2023 I submitted a second request, again through FSA, to have my loans placed on the SAVE plan. Again, Nelnet did not process my request. I have now made approximately 12 calls to Nelnet to rectify this issue. Each time, Nelnet has told me that the application is pending, but that it would be processed and my amount due would be updated. I received this feedback on each call, except the final call I made, during which Nelnet told me that they would be unable to process my request to transfer to SAVE until after my payment was due. Months after my initial request, Nelnet still could not process a simple application to switch to the new plan. Nelnet 's solution on this final call was to place my account back into forbearance, accruing daily interest, until they could process my application in XXXX. But they could not even do that correctly. It has now been two weeks since that last call- and one week until my payment is due - and my account is still showing as standard repayment with a payment due XX/XX/XXXX. I have received no written correspondence from Nelnet. I have received no calls from Nelnet. My only recourse is to call on a regular basis, sit on hold for hours, speak to a representative who assures me the problem will be fixed, and check my account day after day as my payment date looms. If Nelnet is unable or unwilling to service student loans, particularly at a time when borrowers are reentering payment, then the government should not allow them to do so. The amount of stress that this process has caused and continues to cause is unacceptable, both on the part of the student loan servicers and our government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete 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 non-monetary relief
Consumer complaint received 2023-07-07
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Credit Cover Letter to Confirm Identity Dear Sir/Madam, I am writing to you to confirm my identity and request a copy of my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). I believe it is essential to monitor my credit history and ensure its accuracy, which is why I am seeking access to my credit report. 

Please find enclosed the necessary documentation to verify my identity : 1. Copy of my valid government-issued identification ( Driver 's License/Passport ) 2. Copy of my Social Security Card 2. Proof of address ( Utility Bill/Bank Statement ) I kindly request you to process my request promptly and provide me with a copy of my credit report. I understand that, according to the FCRA, I am entitled to one free credit report from each of the three major credit bureaus every 12 months. 

Should you require any additional information or documentation to complete my request, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your attention to this matter. I appreciate your assistance in helping me ensure the accuracy and integrity of my credit history. I look forward to receiving my credit report from your bureau. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
RE ; NATIONSTAR Mortgage - Loan # XXXX Hello, I 'm reaching out to you because it is now over 7 months since I requested help from Nationstar Mortgage to sell my under a Home Affordable Foreclosure Alternative in order for me and my family to avoid foreclosure. 

Now after we provided all the documents, buyers offer and appraisal requested by nationstar. Nationstar is refusing to work with the buyer that offer the max amount requested by Nationstar Mortgage. 

I called Nationstar Mortgage and spoke to XXXX XXXX and she told my realtor because one of her family members is interested on my home. XXXX will not review the offer of the buyer who has been waiting on the short sale approval for over 6 months. But instead she will forward my property to a website where called XXXX OR XXXX where they will conduct an auction. 

I feel this is not a fair review, the buyer who has been waiting for his offer to be accepted, which the buyer agreed to pay for the maximum amount requested by Nationstar Mortgage. it seems like they are discriminating the buyers. 


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 2021-05-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them about their violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and FCRA 15 USC 168. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

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 2023-05-20
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:
XXXX XXXX XXXX  - account # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this account in its entirety. Thank you, XXXXXXXX XXXX XXXX  - account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: CO
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 Fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without 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 2021-01-12
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, JPMCB - AUTO/XX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: DE
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:
To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We did a XXXX in XX/XX/XXXX, our loan was later purchased by Nationstar. We have complied with all terms and have had early payments for all 6 years, and have received annually the XXXX incentive credit on our account each XX/XX/XXXX for 5 years. We have now reached the XXXX anniversary of our trial ( XX/XX/XXXX ) and should be getting the final XXXX incentive. I was told 4 times by nationstar it would be applied in XX/XX/XXXX XXXX specifically the XX/XX/XXXX ). It was not. they are now saying " XXXX ''. However, we have intended to pay off this loan and specifically waited until this amount would be applied in XX/XX/XXXX. Our loan will be paid off in appx. 10 days. I believe they are intentionally delaying so the loan will be paid off and no incentive payment will then be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see related cases against Ocwen/PHH for reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ... ... XXXX XXXX XXXX ... ... XXXX & XXXX XXXX XXXXXXXX ON or about XXXX XX/XX/2019, Ocwen removed {$1600.00} from my escrow account fraudulently for a " ghost policy '' that was neither necessary or required. During this same time period Ocwen transferred my mortgage loan to their subsidiary PHH. Further, Ocwen refused to paid XXXX XXXX XXXX for current policy insurance coverage. Further, Ocwen informed PHH that my loan was not " PITI '', but " PIT '' which is not true because each monthly payment covers principle, interest, insurance and taxes. 
At this point, I contacted PHH and complained. They denied knowing anything, and then ignored and stalled my complaint to have the {$1600.00} returned to my escrow account and to have XXXX XXXX paid for insurance as required. I complained to Ocwen/PHH some weeks later and was told that ... " I had to prove that Ocwen/PHH was wrong and present proof regarding the " ghost policy ''. I again complained several months later when PHH did nothing. They did not return the {$1600.00} to my account and only when I threatened legal action did they contact XXXX XXXX and begin to pay for home owners insurance with XXXX XXXX for my properties benefit. 
HOWEVER, within weeks of this action they ( Ocwen/PHH ) sent a new demand statement on XXXX for a second " ghost policy '' in the amount of {$1800.00}. At this point I no longer have any faith in Ocwen/PHH doing anything to correct this. At this point I am filing any and all the complaints necessary based on jurisdiction and law. I am also contacting a Colorado law firm regarding any " class action '' suits that may be appropriate for this problem of Mortgage/Insurance fraud by Ocwen/PHH. I have plenty of paper proof, notes, dates and contact person ( s ). It is most necessary that Ocwen be stopped in continuing this type or any type of mortgage fraud. Please HELP. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I sent a dispute to experian along with supporting documents to have accounts blocked as fraud. XXXX blocked the accounts and sent block notification referrals to equifax and XXXX XXXX and neither company blocked the wccounts as required under federal law. I spoke with equifaxs office of consumer affairs and agent agreed that the accounts should of been deleted but ge dant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation