BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: EQUIFAX, 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:
Attention XXXX, XXXX, and Equifax. I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my Passport and a utility bill for proof of address. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. I also have a notarized letter stating that it is me that sent this dispute through the CFPB that is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Nelnet, 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: Account information incorrect

Complaint:
Nelnet is reporting me as 120 delinquent when I was not in repayment, and forwarded a payment history which proves their error. The attached email from Nelnet proves that my application was submitted eventhough it does not show on their history. I was not required to make payments at that time ( so had no payments to continue ) and was subsequently approved for an income contingent plan. I should never have been reported 120 days late. That rating is devasating my credit, and must be corrected immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
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:
On XX/XX/XXXX I received a email from a person name XXXX XXXX claiming to be a attorney that stated the following.. 

I am the attorney of the National Credit Collections ( Hereinafter Plaintiff ), I have received your case file today From Mr. XXXX XXXX. The accounts department of National Credit Collections has decided to mark this case as a flat refusal and press legal charges against you. 

Docket no : XXXX Case File # : XXXX Subject : Loan/Debt Recovery Case File Transferred to NCC INC. : XX/XX/XXXX Amount Owed : XXXX Settlement out of court : XXXX ( Only valid for today ) And we apologies that the Arrest Warrant Which you will receive in your next email positively by Monday will also be sent to your current employer too. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If you still want to resolve this account then contact us at XXXX at your earliest convenience. 

I have no idea why this was sent to me ... they did list the last 4 digits of my SS # ... which concerns me ... I feel that someone from a cash advance that I applied for in the last few months have forward my info with my email address to this person who is trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called my job even after I told them not to call. I got fired after the 3rd time they called. I talked to someone the day before and she hung up on me. Then they called again today at my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Cordoza & Wexler Recovery Services
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company or agent of the company has been contacting and leaving threatening messages on both my office phone and my mothers phone saying that they have a serious matter and I need to call them back to confirm my work address so they can deliver " legal papers '' to me. They use different local phone numbers each time. The scripted person that makes the call will not provide me any information at all just expects me to give them my SSN, Birth Date, Address. 

I called their office and was told the calls where from an agent of theirs. This person gave me the company name and address but would not send me any write confirmation of a debt or tell me what the important legal papers where. 

I have confirmed my credit report has nothing from this company. 

( XXXX ) XXXX Cordoza & Wexler Recovery Services XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: AES/PHEAA
State: MA
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:
Dear CFPB, Please assist in any way you can. 

I have loans from law school with FedLoan Servicing. 

I am a former member of XXXX XXXX XXXX XXXX XXXX. Having served in this XXXX program for two years, I received the XXXX XXXX Education Award. 

I make my loan payments with this education award through an online XXXX portal. FedLoan servicing consistently applies my payments late. I fear that the late payments will damage my credit score, appear negatively on my credit report, and that some of the payments will be ineligible for Public Service Loan Forgiveness. I currently work in legal services for a nonprofit, and all my payments should be PSLF eligible. 

When I make a payment through the online XXXX portal, it lists my payment as " Pending Institution Action. '' It lists the payment in this status for weeks at a time, such that my payment to FedLoan ends up being late and not PSLF eligible. For example, FedLoan currently lists my payment due XX/XX/XXXX as late even though I created a payment request on XX/XX/XXXX. This payment has still not been applied to my balance. Today, I created a payment request for my payment due XX/XX/XXXX, and I fear that that payment will also be applied late. 

This is an ongoing issue. When I look at my ledger of payments submitted through the XXXX portal, many payments over the last 3 years are not accepted by FedLoan until close to a month after I submit the payment. 

I spoke with FedLoan about this roughly two months ago. They told me their system for dealing with this issue is admittedly imperfect because they only send requests to XXXX for the payments once every few weeks. This causes many payments to be late. I told them this is very unfair. I told them I had submitted complaints and inquiries about this issue before via FedLoan 's " Email Us '' tool on their website. When I asked for copies of all correspondence I submitted, they told me I would have to subpoena them to get it. 

Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
** Out of network XXXX  assistance XX/XX/XXXX by XXXX XXXX was not authorized. Any bill is invalid. ** XX/XX/XXXX Date of service. XXXX XXXX of XXXX XXXX XXXX claims to have performed XXXX  assistance. [ I never saw him, never talked to him, never authorized him to do anything ] He billed my insurance XXXX and was denied because he is out of network. I never authorized him, only the primary XXXX who was in XXXX network. 

XX/XX/XXXX - received {$270.00} bill.Talked to XXXX XXXX, billing manager XXXX XXXX XXXX, disputed bill and requested documentation of my authorization for the service. No response. 

XXXX No contact from XXXX XXXX XXXX. 

XX/XX/XXXX - Unpaid bill reported to credit bureau. 

XXXX No Contact by XXXX XXXX or collection agency. 

XX/XX/XXXX - Noticed lower credit rating. Called XXXX XXXX XXXX billing about dispute. Phone rep told me the collections agency is Capital Accounts and took a note for XXXX, Account Manager, to call me back. Also said Provider, XXXX XXXX picks up messages once a month. 

XXXX No contact from XXXX XXXX XXXX billing or XXXX XXXX. 

XX/XX/XXXX - Dispute letter sent to Capital Accounts. Responded only with a bill, no documentation that authorized the billing. 

XX/XX/XXXX - Submitted Texas Department of Insurance complaint. 

XX/XX/XXXX - second letter to XXXX XXXX XXXX - XXXX XXXX, requesting removal of credit bureau filing to clear my credit because he has been unable to support bill with any response or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken loans VA XXXX. 
This company has a XXXX deposit ( unlike any of the other 1000 's  of mortgage companies. The policy in itself is not inline with VA standards. VA streamlines or for the veteran NOT for some huge company to save money. I made the stupid deposit with this company on end of business Friday XX/XX/XXXX. I emailed to have my loan application withdrawn and deposit refunded on Monday XX/XX/XXXX ( less than one business day ). I told them in the email I would pay the XXXX for their credit check ( no one else charges this either ) but that there was no way an appraisal was done in less than a business day. On Friday XX/XX/XXXX Quicken sent me a notification that the appraisal was done. I sent them another email with my previous email asking for it to be withdrawn. They just keep going and attempting to charge me. I filed a dispute with my credit card company which is a XXXX and I highly doubt they will let this kind of behavior go through. However, the VA and CFPD have some level of obligation to ensure these sort of practices are not being used on Veterans ( normal people too ). I am a XXXX XXXX XXXX XXXX XXXX veteran, attempting to use a benefit while this company reaps massive amounts off of veterans. This kind of behavior should be nipped, they have plenty of complain ts regarding this same behavior. Why is the VA still certifying them to do business with us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are three ( 3 ) student loans ( Navient ) that appear on my credit report with all three Bureaus, XXXX, XXXX, and XXXX. This has been reported on my credit report since XXXX that 's 23 years. Navient was originally XXXX XXXX. When I disputed this for the 1st time XXXX XXXX was removed and Navient was not. I received a notice in XX/XX/XXXXof the split between XXXX XXXX and Navient. We filed Bankruptcy Chapter XXXX and XXXX XXXXNavient was reported as creditors. Now that we are out of Bankruptcy and  the Bankruptcy has been removed from our credit report at all three bureaus Navient remains.I need help in getting this removed from my credit report at all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When I was getting my XXXX I jaf agreed to 4 private loans from XXXX XXXX. I was unemployed, so I began a forbearance program that increased the loan amount. I have since experienced multiple issues : -Federal loan I have no knowledge of and dispited -dealing with representatives who are very un helpful and communicate very conflicting information about their loan programs -I applied for a new interest only loan and payment term extention in XX/XX/XXXX. I was  approved and the new terms were never applied to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CORELOGIC INC
State: MO
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:
These credit inquiries are unauthorized and need to be removed from my credit report 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 explanation
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These address are incorrect and need to be removed from my credit report 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 explanation
Consumer complaint received 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Two weeks ago I called customer service of Bank of America Credit Card reward program asking to redeemed my {$15.00} points in any way - transfer to my checking account, as a credit in my credit card or cash by check. The agent and supervisor denied my requested even I explained them I have n't used my card since one year ago. Also, I wo n't use it because I do n't need it. They told me even If I cancel my credit card they going to hold my points {$15.00}. I told them It 's no fear. I earned those points so It 's my right to ask for them. The supervisor told me if I want to redeem my rewards I have to earn {$25.00}, it means I have to expend more money using my card. I think the bank has no right to force me use its card.I asked please the bank if I can have one time courtesy as a good and loyal customer. They denied it. Please, I need your help about this because again it 's completely unfear. Thanks a lot, XXXX XXXX Bank of America cash rewards credit card

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 2019-10-05
Company: BARCLAYS BANK DELAWARE
State: MA
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:
I did a balance transfer and paid {$3400.00} in full and now there trying to charge an additional {$120.00}.

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 2019-10-05
Company: Professional Recovery Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from XXXX XXXX to alert me that something negative had been added to my credit bureau through XXXX. When I read the details, a company called Professional Recovery Consultants are trying to collect on a medical debt that I have no knowledge of and wasn't given notice of the debt nor the right to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: I.C. System, Inc.
State: TX
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:
Company or Organization : XXXX XXXX  {$950.00} I.C. System, Inc {$140.00} Company or Organization : XXXX XXXX hospital {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXX The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year. Multi-million-dollar fines can be and have been issued.XX/XX/XXXX all hippa and FTC violations

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 2020-05-01
Company: Experian Information Solutions Inc.
State: MS
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 owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. They referred me to XXXX XXXX XXXX. XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.

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 2020-05-01
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I disputed an account that is being listed on my credit reports by LVNV Funding LLC. The results of the dispute came back as verified and accurate. Thus, I wrote a letter to LVNV asking them to provide me with proof of contract and full accounting for the amount claimed to be owed. It has been over 30 days and I have not received a response to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Sokaogon Finance, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took this loan out on XX/XX/2019 for only {$500.00}. Please see attachment for the outrageous interest rates they charge. They are charging 782 % which is illegal in the state of Ohio. Their max APR is 28 %. I shouldn't have to pay this loan back as it's not valid in the State of  Ohio especially if they are not licensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
State: CT
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:
I did a Pre approval at lending tree, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out lending tree gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED 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