BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX & Account XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company failed to validated this debt and failed to provide the requested information with in the 30 days. The letter states if they fail to do so with the 30 days all references to this account must be deleted and removed from credit report and a copy of deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ear Sirs/Madams On the XXXX of this present month I received a note from the XXXX with a levy in my over drafted savings account, forXXXXXXXX I am retired and receive SS benefits {$800.00} x month, I am XXXX years old I had have filed for bankruptcy I had been living under XXXX stamps I had been received Medical benefits I am living in the poverty level I received this ; XXXX : XXXXXXXX XXXX XXXX  XXXX & XXXX I have not idea what is all about, I do not owe anything, that is my understanding I am afraid and do n't know what to do, please I need help, thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting and XXXX  Account numbers ending in # XXXX ( Account Name : XXXX  XXXX XXXX ) and # XXXX ( Account Name : 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 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: PA
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 asked the credit bureaus to do a verification on my credit report which they did and stated everything was accurate. I did my own research and I found improper inaccuracies on my reporting. 

Account name : DEPTEDXXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-11-04
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made refund requests for my Dept of Education held loan on XX/XX/XXXX and XX/XX/2022 from Nelnet as provided for under the CARES act and was told I would receive refunds within 4-6 weeks. On XX/XX/XXXX, my loan balance was not updated on my Nelnet account and I had not received refunds and so called Nelnet for an update as previously instructed and was told that my refunds " were not even processing yet ''. When I asked for a date by which I *could* expect my refunds, the Nelnet representative stated they would take " two more months, but would be completed by some time in XXXX, by end of year ''. When pressed as to why the timeline of 4-6 weeks was given not once, but twice previously, and how the backlog could possibly affect requests made in XXXX when there was no backlog at that time, the Nelnet representative stated the system is overloaded with requests and that processing time has increased. On that same day ( XX/XX/2022 ) I filed a CFPB complaint asking that my refunds be processed by XX/XX/XXXX. On XX/XX/XXXX, as part of their official written response to my CFPB complaint, Nelnet stated that my refunds were waiting on approval by the Department of the Treasury. On XX/XX/XXXX and XX/XX/XXXX I called Nelnet again and was again told they were waiting on approval by the Department of Treasury. 

On XX/XX/XXXX I called and spoke directly with the Department of Treasury Fiscal Bureau who explicitly denied that the Department of Treasury had ever received refund requests for my accounts and they said that refunds are solely the responsibility of and processed by loan servicers, and the ony approval is by the Department of Education, never the Dept of Treasury. I immediately called the Department of Education Federal Student Aid Office and they confirmed what the Dept of Treasury had said. I then in turn called Nelnet and spoke with a XXXX XXXX in the Nelnet Solutions Department, who reviewed the CFPB response and said that the information in the CFPB response letter from Nelnet was wrong and the Department of Treasury is in fact NOT who approves refunds. XXXX also confirmed that my refund are still sitting with the Nelnet accounting department XXXX weeks after the refund requests were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: CA
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 many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dating back to XX/XX/XXXX is when this matter was first disputed. Now being XX/XX/XXXX matter still not resolved. Transunion, XXXX and XXXX are all reporting a bankruptcy on my consumer credit report. They have all put in the data furnisher as being the XXXX XXXX XXXX XXXX XXXX which is FALSE. I have attached a letter from the XXXX XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify, validate any information concerning bankruptcies or any court proceedings. Transunion, XXXX and XXXX are falsely stating this information on my consumer credit report and have yet to remove this item after several disputes.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00}

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 2017-11-03
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
MY HOME IS BEING FORECLOSURE WITH A FRAUDULENT ASSIGNMENT THAT IS CLEARLY DEFINED AS A ROBO SIGNED DOCUMENT. FRAUD CAN NOT BE THE BASICS OF OBTAIN A DEED THE CUT OFF DATED OF THE ALLEGED LISTED IN THE POOLING AND SERVICING AGREEMENT FILED WITHIN THE UNITED STATED SECURITIES EXCHANGE.STATES THAT ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OF DATE IN SECTION 201 I ALSO REVOKED THE POWER OF ATTY THEY ARE USING TO FORECLOSE ON MY HOME I HAVE ASKED FOR A MODIFICATION, AND THEY HAS REFUSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is related to complaint # XXXX filed on XX/XX/2020. The company ( Citizens One Home Loans ) responded on XX/XX/2020. It appears that Citizens has corrected their transaction errors, and adjusted my mortgage balance as well as escrow account. 

However, I pulled a credit report this week, which shows incorrectly that my XX/XX/2020 mortgage payment was late. This payment was on-time, but rather than posting it correctly, Citizens sent me a check for the full amount. On the advice of one of their customer service reps I held the check for several weeks, then returned it on XXXX. 

I have asked XXXX to remove the incorrect late payment record from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
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:
Heartland ESCI sent my XXXX loan from the University of Washington to a debt collection agency on XX/XX/XXXX while the CARES Act forbearance was in effect. I received noticed XXXX that my account was in bad standing despite receiving two e-mails on XX/XX/XXXX stating that due to Covid-19 relief my account was placed in automatic forbearance until XX/XX/XXXX and no payment was due. I received no additional communication regarding my account, including payments necessary, until the acceleration e-mail on XX/XX/XXXX. All attempts to contact Heartland ESCI have immediately routed me to the collection agency XXXXXXXX XXXX XXXX. This seems illegal and incredibly predatory as it is now negatively affecting my credit as I try to deal with an account that should not have been sent to collections, if not because of the CARES Act then their own written communication to me. My account, according to them, would not have been in bad standing until I missed a payment on XX/XX/XXXX but it was accelerated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've wrote through several letter attempts from XXXX  2020-XXXX  2020 to remove inaccurate information and accounts that are in FCRA violations. The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. 
Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RE : UNAUTHORIZED INQUIRY To Whom It May Concern, I reviewed a copy of my credit report and noticed some unauthorized inquiries. According to the Fair Credit Reporting Act 15 U.S. Code 1681b - Permissible purposes of the consumer must provide consent. I did not authorize the inquiries listed below. 

XXXX XXXXXXXX XXXX Date : XX/XX/2022 XXXXXXXX XXXX, Date : XX/XX/2022 XXXX XXXX, Date : XX/XX/2022 XXXX XXXX  XXXX Date : XX/XX/2022

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: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX XXXX OF XXXX # XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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: Account information incorrect

Complaint:
The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself ( see attachment ) with my disputes, as of XX/XX/XXXX & XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX A XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : M XXXX & Account number : XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation