BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance XXXX {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX {$4800.00}

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 2021-08-29
Company: EdFinancial Services
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:
Hello my name is XXXX XXXX Ive been reporting this issue for months now. Ive tried sending a Complaint before. I dont recognize the three Accounts from Us Dept, two of the account has the date of XX/XX/XXXX, another one is XX/XX/XXXX. They dont have a balance and its closed. Ive tried contacting the creditors also submitted supporting legal documents on my behalf. I didnt sign any authorization nor personal disclosure document. The creditors have no right to keep these inaccurate items attached to my name to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: IL
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 XXXX  account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Navient Solutions, LLC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The incorrect information pertains to Navient. My credit was impacted because XXXX is reporting wrong that I am 90 days late yet they are also reporting that I have made 100 percent of my payments. My student loan has been in forbearance and paused due to the Government loan pause on student loans. 
This inaccurate reporting is negatively impacting my credit profile and financial standing. I kindly request that you investigate the matter and take the necessary steps to rectify the situation promptly. 

Despite my previous attempts to resolve this matter through the company involved, the issue remains unresolved and continues to impact my financial standing. 

I have diligently followed the proper channels to address the inaccuracies on my credit report, including contacting both XXXX and Navient. However, to my disappointment, the situation has not been rectified, and I am left with the burden of incorrect credit information that does not reflect my true creditworthiness. 

I understand the importance of accurate credit reporting for both consumers and credit bureaus. To assist you in resolving this matter efficiently, I have attached relevant documentation that supports my claim. I kindly ask that you conduct a thorough review of my credit report and make the necessary corrections in accordance with the Fair Credit Reporting Act. 
Please keep me informed about the progress of this investigation and any actions taken to address the inaccuracies. I appreciate your attention to this matter and your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Tate and Kirlin Assoc
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:
I been receiving numerous texts and phone calls any time of day from this company sometimes after XXXX. I text stop the notifications still were coming in. Then I received a letter stating that I owe a debt from XXXX years ago. I sent out a validation letter for validity and proof of ownership. It's going on 30 days and I have not heard back from this company at all. If they can't show me proof of validity they need cease collection and send Me a letter stating that they have the wrong person and they leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX  account # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consent.

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 2021-05-03
Company: EQUIFAX, INC.
State: CO
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:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 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 2023-03-15
Company: Experian Information Solutions 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 XXXX XXXX  Account, has violated my rights. 15 U.S.C 1681e Section ( b ). States 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. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) Acorrding ( why this matters ) UCC Article 9-625 Section A Stat In accordance to the Fair Credit Reporting Act XXXX XXXX  the following instutions : XXXX XXXX, XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Nonpublic personal information refers to any information about an individual that is not publicly available and can be used to identify that individual or their financial transactions. This includes : 1. Personally identifiable information such as name, address, Social Security number, date of birth, and driver 's license number.

2. Financial information such as account numbers, credit and debit card numbers, transaction history, and credit scores.

3. Information about an individual 's financial behavior such as account balances, payment history, and credit inquiries.

4. Information about an individual 's relationships with a financial institution, such as account ownership and beneficiary information.

In general, any information that is not readily available to the public and can be used to identify an individual or their financial transactions is considered nonpublic personal information. Financial institutions have a duty to protect this information and use it only for legitimate purposes, such as processing transactions or providing services to the customer.

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 2021-09-14
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
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 2 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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$7100.00}

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 2023-11-13
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am the parent of a full-time student at XXXX University ( XXXX XXXX XXXX ) , for whom I have taken out several Parent Plus loans to help fund his 4 year education. 

He is current still a full time student at XXXX University, yet my Parent Plus Loan account ( serviced by Nelnet ) has me in active " repayment '' status - when I am entitled to deferment until at least 6 months following my son 's graduation. 

XXXX University has completed and signed the U.S. Department of Education Parent Plus Borrower Deferment Request form I prepared, but I have not been able to get Nelnet to process my Request. In the meantime, my payment due date is XX/XX/XXXX at which point I fear that Nelnet will report me 30 days late on a Parent Plus loan ( for which I am legally entitled to deferment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, by invitation of XXXX XXXX to his new place, XXXX XXXX, my Citibank Visa card slid out of my XXXX case. XXXX XXXX, accessed it. He charged me {$2700.00} for lenses and frames that I DID NOT authorize. I never saw him swipe my card. I did not sign for any purchase, was not given a receipt, and was not even aware of the charge until later on. He ONLY gave me a pink copy ( # XXXX ) from his pad noting frames of interest for the future. A serious medical condition precludes my getting a prescription and we discussed this. 

On XX/XX/XXXX I notified Citibank of the fraud. Citibank refused to remove the false charge and contacted the XXXX. The XXXX reworked the # XXXX copy he had into a FORGED authorization, sent to Citibank, purporting to have my signature for order and receipt of glasses. Every Citibank lower level compliance person saw that it was obviously a fraud and kept extending the open complaint. Then a high manager, no name, called and told me to go away and stop bothering them and they didnt care what I showed or said, they are going with the merchant. 

The amount on this pink # XXXX that he gave to Citi says {$1400.00} NOT {$2700.00}. It is full of phony prescription info that may be from XXXX XXXX  glasses bought in XXXX at his previous location before he went bankrupt and closed. He returned to XXXX in XXXX. Citi also sent me a SWIPED credit card copy that has no info on it except a tiny forged signature purportedly of mine for {$2700.00}! I obviously never had that. 

Citibank accepted the forgery as " proof '' that I authorized the purchase for {$2700.00}. They refused to remove the false charge. I resisted paying this abomination and went to the local police who agreed with me but did not pursue the casetoo busy they said. I could not pursue this in small claims court because of the Covid-19 plague. The lawyer we contacted wanted too much in fees. I have full documentation to submit to the CFPB if necessary, and my police report.. 

Citibank then lowered my credit rating from XXXX to XXXX and I had to pay the money to avoid further damage to my credit. The XXXX  stole this money BUT Citibank allowed it by not reversing the false charge even though I gave them proof of the forgery!

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 2023-11-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1 : Debt buyer- XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. XXXX allegedly bought my debt from XXXX XXXX XXXX, or they represent ( or work with ) XXXX for communications purposes. I have never banked with or made an account with this XXXX or XXXX XXXX XXXX. Both have harassed me to pay debt they couldnt verify. 

2 : Debt buyerXXXX XXXX XXXX XXXX, XXXX. 
Date opened- XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was internet service charging me for allegedly not returning their equipment. I walked into one of their multiple retail locations around their U.S. to return their equipment after I changed to a different provider. Although I wasnt given a receipt for returning their equipment, I was assured, in person, that my account was resolved once I made the return. 

3 : Debt buyer- Midland Credit Management XXXX XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was XXXX XXXX XXXX, however I never gave them consent to sell my information. I have never willingly created an account with <Midland Credit management. The original charge off date was XXXX All in all, none of these collections companies have failed to verify my debts, contracts with my original signatures, or my current address and the original creditors never received my consent to sell of my information to the collection companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Mr. Cooper shortly after closing in XXXX of 2022, we had a house fire on XX/XX/XXXX, the house was deemed 70 % destroyed. XXXX XXXX paid out over {$100.00} to Mr. Cooper for the rebuild. My house is now 75 % complete on the rebuild and Mr. Cooper can not secure a reliable company to do the inspection that they require in order to release the funds to the contractors. I have been calling Mr. Cooper for an entire month and been getting the run around. I've been given several numbers for inspectors and still to date no inspection has been done. I just feel like if Mr. Cooper can not do what they're supposed to which is secure an inspection, they should just release the funds so that me and my family can finally go home. I pay my mortgage on time for a house that I lived in less than 2 weeks and the biggest hold up is my mortgage company. Please help, it breaks my XXXX that me and my family could have been in our house for XXXX and now we won't. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I was contacts by Santander Bank to renew my HELOC which I have had for past 9 1/2 years. I have never been delinquent the entire time and have a XXXX out of XXXXcredit score. The home is unencumbered and was appraised at $ XXXX. The Bank Rep. initially discussed increasing my $ XXXX LOC because of my exemplary record. After substantiating all of my assets and income that far exceeded my loan request they counter offered @ $ XXXX. When I asked theyre on reconsider they sent me a letter on XX/XX/XXXX that could not consider my application for many bogus, and non existing issues.

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 2023-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX credit card does not belong to me. I did not apply for this line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TX
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 act XXXX  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.C1681 168b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00}

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 2023-05-31
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX ACCT # 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

Company response to consumer: Closed with explanation