BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-04-06
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 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX XXXX XXXX : {$290.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is directed at the American Education Services. I have four XXXX student loans through XXXX. I have entered repayment recently. I have to contact AES for all of my loan repayment options. I first have the question of, how is it right for me to have a loan with XXXX, but have to go through a third party lender? 

My first conversatino was in spring ( between XXXX and XXXX ) of 2018. One of my four loans became due suddenly. I spent many occasions on the AES website, but I can not see anything about my account besides how much is due and make a payment. If I want any information on repayment options, deferment, or any information on my loans I have to call AES. The individual on the phone told me I had to defer my loans. I did as she told me, as I was still part time in XXXX  school, and working at a XXXX ( 13 month temporary paid job ). 

I call again in XXXX or XXXX of 2018. Now the other three of my loans are coming due. I am running out of deferment on my first loan but I can defer my last 3 loans. This representative tells me I should try to fill out a form explaining the fellowship. XXXX has a program that may allow me to not enter repayment until after the fellowship. 

As I am trying to get this paperwork taken care of I call again ( XX/XX/2018 ), because my loans were coming due and we still haven't gotten the fellowship document filled out and approved. This man explains that I should actually try to go into a grace period. This wouldn't use any of my deferment or forbearance, just extends the grace period. This is the first time I have heard this option, so we go through with this application process. 

I then ask the representative why one loan came due before the three others. He doesn't know why. Says my separation date is different on this loan than the others. It appears the separation date was updated- but to the same exact date it was before which would have been for my XXXX career. He had to submit my account for review. 

I have used so much of my deferment thus far. It is not right for me to not see the options on my own loan. I have to call AES and depend on their representative to not only understand my loans but also present me with all of my options. Every time I am on the phone I am consistently put on hold so that representative can do research into what programs XXXX offers. 

In conclusion : AES is should not be allowed to administer my repayment since they do not have any idea what my loan is like. I should also be allowed to see all of my options so that I can not only know what they are but also make an educated decision as to what to do. I believe AES has given me incorrect legally binding financial advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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:
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX JXXXX 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 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 2016-12-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all three of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( Experian, XXXX ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other XXXX may be similarly situated and the CFPB should track this company for other complaints.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 first letter went on XX/XX/XXXX and XX/XX/XXXX disputing a verified account on my credit report XXXX XXXX XXXX XXXX, Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is not accurate and also the reported balanced owed change every month. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use.

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 2023-02-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had filed XXXX  XXXX and it was for 4 years. I paid continuously for three years. Life circumstances happened. I was unable to pay the last year so my XXXX  XXXX was dismissed. Collection agencies started bombarding me. I was able to work with some and make affordable payments. XXXX XXXX which is XXXX XXXX started sending me papers to appear in court. I missed the first one as I was very pregnant, high risk and majorly XXXX. Then a policeman showed up with the court papers and told me if I didn't go to the next court appearance I would go to jail. Went to court. Told the lawyer I was unable to pay {$200.00} a month but could pay $ XXXX she said smallest amount I could pay was $ XXXX. I tried paying the best I could. I'm the only one working in my family. I'm working overtime just to survive. They did a levy on my bank account for one month. They have sent out another letter for me to appear in court. These people are the worst type of people and only out for blood. My XXXX  and XXXX has almost gotten to me numerous times. The lawyers for that company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from 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 2022-11-13
Company: Experian Information Solutions Inc.
State: OH
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 # XXXX XXXX XXXX, Account # XXXX 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.C 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 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 2022-12-15
Company: Nelnet, Inc.
State: GA
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:
To my understanding, the COVID-19 0 % interest applied to all loans held by Dept of Ed . XXXX has charged me interest on the payments I received refunds for. The full original balance is XXXX. I was refunded {$3500.00}. The account is showing interest owed for the refunded amounts for a total of XXXX. This is abusive action taken by my loan servicer. 

All of these loan servicers need to be corrected and held accountable. They are quite literally breaking the law, which mandated 0 % interest between XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from JPMBC -Card Service on XX/XX/XXXX in the amount of {$12000.00}. First and foremost, I have confirmed that the debt collector JPMBC -Card Service is not licensed in the state of Florida to collect on this debt. Secondly, JPMBC -Card Service violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to JPMBC -Card Service? Fourth, I have submitted several disputes with the credit reporting agencies ( XXXX, XXXX, XXXX  ) and provided them with valid proof of police reports, not XXXX but XXXX police reports stating and showing that I am a victim of Identity theft and that this alleged dept is mine. Its been 7 YEARS and this still is reporting on my credit report. Ive called the credit reporting agencies and they told me that this should be removed by XXXX of XXXX, however I am requesting and demanding that this be removed immediately! I have never heard of them, have no written contract with them and have never received any benefits from them, yet JPMBC -Card Service has submitted negative information to all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ) against my name and social security number and is demanding payment from me in the amount of {$12000.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that JPMBC -Card Service provides me with competent evidence that I have any legal obligation to pay them. I asking that JPMBC -Card Service to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand JPMBC -Card Service immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX I also demand JPMBC -Card Service agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that JPMBC -Card Service agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was never used and this is an inaccurate account with the dates given. I don't owe this company anything. This account is old and must be deleted from all three bureaus.

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 2022-11-09
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
hi there again, we are having an issue with our bank, that's why i opened a bank account. But unfortunately my old bank hold my money. they never pay our mortgage, so what happened. i called up them, coz my nephew XXXX XXXX, that his credit score went down to XXXX points. And he aware XXXX  we have some difficulty paying mortgage last XX/XX/XXXX. Now, it happened happened, my previous bank never pay our mortgage on the XX/XX/XXXX. So, it was returned, I called up Mr Cooper from Customer Service to dispute the reported to Credit Bureau for missing a month payment, last thursday at XXXX XX/XX/XXXX. Just to verify if they reported us to the Credit Bureau. Per their customer service, they never reported us especially my nephew XXXX XXXX, nothing to dispute. So, again wrong confusing information. Yesterday i spoke with XXXX, she connected me to Loan Litigation, that person name XXXX, he intimated me that they will reported us for delinquency of mortgage payment. Instead of giving us some option, he trying to scare me, which made my XXXX XXXX XXXX. Honestly, my concern only not to be reported to credit bureau for my nephew XXXX XXXX, XXXX he has plan to relocating soon. We are about to do Loan Assumption but they giving us a hard time/difficulty. So, we don't proceed anymore. Our plan is to do " Refinance '' next year so it will totally transferred to our name, since our deed has been transferred to us only the mortgage was not yet. 

All i want is to give us the right information. they need to train their people how to deal with us, if we need to be feel comfortable not to worry. And need consideration. We will never go back to foreclosure issue. It's just i had issue with my bank. Need a consideration, not to intimate or feel scare what will happen to my nephew 's credit score. Need them to be informative, to be trained and give some option, if we need some help not to feel us scared. 

We need help, to let them understand customer 's personal issues. Be understandable, we will not allow to loose our home, it's just need a little consideration. Not to report us to credit bureau already.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: VA
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, Bankruptcy XXXX  XXXX reference # 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 604 Section 2 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 explanation
Consumer complaint received 2022-11-09
Company: Nelnet, Inc.
State: NC
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:
Sent XXXX & XXXX and Debt Validation to NELNET and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from XXXX XXXX XXXX XXXX advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my Nelnet acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the NELNET account has been closed and the amount has decreased. Still no update from NELNET. 

NELNET has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion and XXXX are reporting XXXX on my credit report. The account is inaccurate and needs to be removed 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 2023-07-18
Company: EQUIFAX, INC.
State: SC
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 2022-11-09
Company: ACIMA CREDIT, LLC
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:
I submitted XXXX disputes based off of identity fraud, once in XX/XX/XXXX and second in the beginning of XX/XX/XXXX and both times it wasnt removed and when I reached out to the company XXXX I was turned away and told I need a police report. When I went to a local XXXX police precinct, XXXX, on XX/XX/XXXX I wasnt able to file a report because I didnt have fraud affidavit from Acima and when called in the presence of the police officer I was informed they do not provide that and I wasnt able to proceed.

Company response to consumer: Closed with explanation