BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2021-03-12
Company: AMERICAN EXPRESS COMPANY
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In light of the announcement about student loan forgiveness, I called my servicer, Nelnet, on XX/XX/2022 to ask if I should consolidate my loans in order to qualify. I was told that it wasnt yet known if my refinanced, originally XXXX loans would be eligible or if they would need to be consolidated in order to qualify, but if it did turn out that consolidation was necessary, then I could do so at any time. 
I found on XX/XX/2022 that loans such as mine would need to be consolidated to qualify, and the XX/XX/2022 deadline had passed. I called Nelnet again that day, asking that since I had asked on XX/XX/2022 and been given bad direction, if a consolidation could be processed and back dated. I was told no, and that employees at Nelnet had been given direction to tell callers not to consolidate. Its terrible that the servicing company made the decision to direct consumers who were acting in good faith to not consolidate, causing them to lose out on loan forgiveness. I suppose in order to cut down on a deluge of paperwork? Awful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: ENCORE CAPITAL GROUP 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:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. XXXX  XXXX  XXXX, Opened XXXX XXXX, 2018. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr. Cooper approved XXXX XXXX for a modification on XX/XX/XXXX. There were acceptance documents due XX/XX/XXXX. XXXX made his trial modification payments in a timely manner each month. 
The acceptance documents were sent to a company not affiliated with XXXX XXXX XXXX XXXX. They repeatedly sent these papers to XXXX XXXX XXXX after we advised them repeatedly that XXXX was not represented by them. Mr. Cooper said they would send them to XXXX bankruptcy attorney and the attorney never received them. 
We finally received the acceptance documents and sent them the same day. They were processed by Mr. Cooper on XX/XX/XXXX. They advised the mod was closed but they would reopen it in 2 days because they understood they made a mistake. When we called to follow up 2 days later and they said there was nothing they could do, the mod was closed, and he could only short sell or do a deed in lieu. Further, they are unclear as to what they will do with the payments he made during his trial period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXXXXXX XXXX XXXX account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXXXXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX or any of the other addresses listed on my report.

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 2019-03-21
Company: AMERICAN EXPRESS COMPANY
State: MI
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 HAVE BEEN WITH AMERICAN EXPRESS SINCE XXXX AND HAVE PAID IN FULL MY MONTHLY BALANCE AS IS REFLECTED IN THE PAYMENT HISTORY OF MY CREDIT REPORTS. THIS IS WITH REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS SHOWN OPEN ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX. WHEN I WAS IN CONTROL OF THE AMEX ACCOUNT AND MADE MY OWN PAYMENTS, I PAID THE CARD IN FULL EACH MONTH LEAVING A XXXX BALANCE. DUE TO HOSPITALIZATION, THE COURT HAD ORDERED A CONSERVATOR, MR. XXXX XXXX, BE PUT IN PLACE WHO WAS SUPPOSED TO MANAGE MY FUDICIARY AFFAIRS WITH PRUDENCE AND ACCOUNTABILITY. 

MR. XXXX REDIRECTED ALL MY MAIL TO HIS OFFICE ADDRESS AT XXXX XXXX XXXX XXXX XXXX, MI XXXX AND TOLD ME HE CANCELLED ALL MY CARDS. I WOULD HAVE EXPECTED HIM TO PAY DOWN THE BALANCE IF I ASCERTAINED THAT THOSE CHARGES WERE MINE BUT THE COURT TOOK FINANCIAL CONTROL OUT OF MY HANDS AND LEFT IT TO MR. XXXX WHO NEGLECTED TO ACCOUNT FOR MY CREDIT HISTORY AND FINANCIAL WELL BEING. 

I HAVE NO IDEA WHETHER THE CHARGES SHOWN ARE MINE OR MR. XXXX 'S OR A RESULT OF MY VEHICLE BEING AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES WITH ID CARDS, CHECKBOOKS AND CREDIT AND DEBIT CARDS OF MINE IN THE VEHICLE THAT WERE NOT SECURELY DESTROYED OR RETURNED TO ME. I MADE THE REPORT TO AMERICAN EXPRESS THE SAME TIME I WAS RELEASED FROM THE HOSPITAL AND WAS TOLD THAT NEW CARDS WOULD BE RE-ISSUED AND THAT I WON'T BE LIABLE FOR CHARGES THAT ARE FRAUDULENT OR NOT MINE. 

I DO NOT KNOW IF NEW CARDS WERE INDEED ISSUED BECAUSE MR. XXXX KEPT ALL MY FINANCIAL AFFAIRS TO HIMSELF AND HELD MY ACCOUNTS WITHOUT GIVING ME ACCESS TO MY MAIL OR MY CREDIT/BANK ACCOUNTS. HE HAD NO RIGHT TO CANCEL OR MAKE CHARGES ON MY CREDIT CARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX Account # 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 the following information items. 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. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: IL
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've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to my credit report, the accounts are all follows : XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT  XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i went to get a new car and the dealership put too many inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-26
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in the process of refinancing my current mortgage, which is with a company named Gregory Funding. The new mortgage company had requested a 30 day payoff on 3 different occasions and on each of the last 2 occasions Gregory Funding sent the same mortgage payoff which expires in less than 30 days. When I called them to request a new payoff, I was told it would take up to 7 business days for the payoff to be generated. They also informed me that they would not be sending a new mortgage payoff until the original one expired. When I asked them who regulates your company I was told the same people who regulate mortgage servicing companies. They refused to tell me who regulates them, and only after asking for a supervisor and I informing him of the problem with the payoff request, and he informing me that they will send the same payoff even though a new 30 day payoff had been requested. That they would only send the original one until it has expired. I was told that they are regulated by RESPA, and he refused to tell me the agency name. This company placed me on hold and played a recording before they could talk to me about them being a collection agency, and a lot of information about bankruptcy. They sounded and treated me like a collection agency would very unprofessional and not like my Bank or any other Bank I have dealt with in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Sunbit, Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: NY
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:
I sent a letter XX/XX/ about a reinvestigation I gave them 15 days to provide proof of The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with, The Valid documentation used to validate the dispute, Also, the procedures your company has in place to ensure each account is 100 % correct which they never provided anything. So XX/XX/ I sent a letter of all the violations they did to me. So I demand they delete and fix the accounts I told them to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-06-29
Company: LEXISNEXIS
State: IL
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:
These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, 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 2023-04-19
Company: EQUIFAX, INC.
State: IL
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I am enrolled in XXXX XXXX XXXX XXXX with Mohela. As such, I believe I am required to recertify for income drive repayment year, though this has been affected by COVID. Anticipating the need to recertify ahead of payments and seeing notifications on the Mohela website, I submitted a recertification in XXXX of XXXX. I received a denial XX/XX/XXXX stating it was unclear if my request was intended to recalculate the monthly payment. I was confused by this statement and called Mohela. They stated they did not understand the denial and that I should resubmit. I resubmitted again and was denied again XX/XX/XXXX. I called Mohela and different representative stated they did not understand the denial but when I asked if I needed to recertify that affirmed, YES, that I did. That representative completed the recertification over the phone and the decertification was process. I now have a payment that is SIX TIMES what was expected prior to recertification. At no point did the customer services representatives or the website or even the denial letters simple explain that recertification was not due until XXXX  months after payment restarts. That language did not come up until I received my recertification letter with my new payment amount. I believe I was intentionally misled in order to make higher payments. 

I called Mohela today XX/XX/XXXX in order to remove the recertification as I have seen evidence that the situation can rectified this way and declined to remove the most recent recertification. I also asked to be recertified given my plan to file separately in XXXX and the told me I was unable to include future information in my current recertification. Additionally, they told me recertications processed over the phone can be inaccurate, but still declined to remove the recertification even though the only attempt approved occurred over the phone.

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 2019-06-29
Company: EQUIFAX, INC.
State: IL
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:
These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXXK # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief