BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received letter dated XX/XX/2021 from MRS BPO LLC in an illegal attempt to collect an alleged debt in the amount of {$22000.00} that I do not owe. In response I have submitted a dispute letter dated XX/XX/2021 with clear instructions to cease and desist all collection activity, including all reporting to consumer reporting agencies. Also, to promptly request deletion of any and all prior reporting made to any consumer reporting agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
I am AUTHORIZED on my sons Capital One Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me. 

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit. 
I do not want it on my credit at all ... 
Under the FCRA and the FDCPA they are in clear violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: NV
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:
Please refer to previous complaint # XXXX. Experian continues to report a collection account that was to be removed as a result of the CFPB previous investigation. It is still on my credit report and seems to be impossible to remove!!

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 2019-04-03
Company: MARINER FINANCE, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company

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 2022-11-23
Company: Experian Information Solutions Inc.
State: LA
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXXXXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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 according with the Fair Credit Reporting act XXXX, Account name-XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a 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 2021-09-09
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:
On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Equifax ( credit bureau ). This was actually a third letter to the bureau, stating that the XXXX XXXX account with a {$200.00} balance and the XXXX XXXX XXXX account with a {$120.00} balance are fraudulent. The company refuses to abide by the law and remove these fraudulent accounts under section 605b of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency ERC just put a debt on my credit report this morning for XXXX. I have not had a sprint account in almost 10 years. Not to mention they never reached out to notify me of anything just threw it on my report. This is not a debt that I owe and I want it removed NOW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I would like to payoff my student loans ( Account XXXX XXXX ). However, my loan servicer refuses to provide the payoff information and the wiring instructions to provide payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax stated they removed this account and it is still listed XXXX XXXX XXXX # XXXX This item is past the statute and this company can not validate the XXXX. I have been fighting with them as I never had an account with XXXX XXXX ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter on XX/XX/19 stating i was in delinquency for not making payments although I had already spoken to an advisor stating I can only make {$50.00} payments. I reached out via phone on XX/XX/19 Nelnet expects me to pay over XXXX dollars for a monthly payment when I explained my financial situation i was told i still will need to pay my balance. I was not offered about options until I asked what else I can do, the advisors were rude and not well informed. I have been sending payments for years, the manager was no help and was rude as well. I have been making payments for years on what i can afford I will like to pay towards my balance but reasonable amounts not an amount that will leave me stressed or more in debt. The original advisor I spoke too did not follow the proper protocol process now my account is in delinquency although I have been sending my monthly payments every month like I have been expected too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Late XX/XX/XXXX : Contacted Transunion. Suggested some information change. Agent asked about my address. The address they had was incorrect. Told them XXXX XXXX XXXX, XXXX, NJ XXXX is only address. Primary Residence. Should be no Apartment or P.O. Box notation! 

XX/XX/XXXX : Called Transunion to address the address. Told them there should be no Apartment Number or P.O. Box address XX/XX/XXXX : CAlled Transunion again.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: Innovis
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company check my credit 5 time on 1 month adding to my credit 5 hard inquires with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/XXXX; Experian and XX/XX/XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. Chapter XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; and XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Experian and XX/XX/XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX - XXXX. XX/XX/XXXX and XX/XX/XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XX/XX/XXXX XXXX. Experian shows the following account as not in dispute, when in fact this account is in dispute. XXXX XXXX - XXXX. XX/XX/XXXXshows the following account as not in dispute, when in fact this account is in dispute. Account XXXX. All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-05-10
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Called Citibank XX/XX/2021 to close account. Was informed that the account would be closed in 1 to 2 business days and a check mailed within 5-7 business days. Despite multiple calls to Citibank over the ensuing 2 weeks, the account still has not been closed. During subsequent calls different people provided time frames as long as 10-15 business days to get the account closed. As of today, XX/XX/2021 the account is still open.

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 2019-10-31
Company: TekCollect Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TEKCollection debt consulting agency XXXX XXXX XXXX - XXXX {$140.00} I was treated at XXXX XXXX XXXX of XXXX in the month of XX/XX/2018 and paid co-pay during my visit. I was told by the XXXX XXXX  that i don't need to pay anything out of pocket as it was a checkup for flu and no lab tests or any XXXX was taken. They have prescribed some medicines and i walked out of the Urgent care. Later i received a bill for {$140.00} which i have been disputing from TEK collect for past one and half years explaining the above thing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Utah System of Higher Education
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX took over servicing my student loan in XX/XX/XXXX. The first payment I made they didn't apply until I called them. Since then for over 6 years I received bills from them that said {$0.00} due each month. I continued to pay {$120.00} per month in the hopes that I would pay off my loan early. Unbeknownst to me in XX/XX/XXXX my monthly payment amount increased to {$160.00} so the {$120.00} I was paying was not satisfying the monthly amount due ( at this time I was still getting bills saying {$0.00} due ). Turns out they were taking the extra amount I had paid over the previous years ( paid ahead money ) and were applying it to monthly amount due. In XX/XX/XXXX of this year I got a bill for {$130.00} then the next month for {$160.00}. At first I just thought my monthly bill had gone up. Then in XX/XX/XXXX I received a bill for {$240.00} so I called XXXX. Turns out my monthly payment amount was supposed to increase every two years but they had never sent a monthly due amount on the bill so I wouldn't know it. After multiple calls trying to resolve the issue the response I received was we made an error ( for 6 years they made an error ) and there is nothing they can do but apologize. Now instead of being paid off early for my student loans I am back to the original loan term due to the error on their part of sending a {$0.00} bill every month until all of my paid ahead money was used up. I have discussed this issue with their customer service department and their ombudsman group and both admit that they made an error with all of my bills but they both say they can not do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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: Investigation took more than 30 days

Complaint:
I FILED A METHOD OF VERIFICATION DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

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 2019-10-31
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.

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 2021-10-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please be advised I did not give this company permission to access my consumer report. Accessing my Consumer Report without my permission is a direct violation of my consumer rights and is a blatant identity theft.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: GA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2019-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payment accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed away last year and I've been struggling with the mortgage and other household expenses since my husband passed. I recently requested mortgage assistance and it is being processed with my mortgage company. I received a letter stating the mortgage loan is being accelerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
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:
I had my identity stolen and someone had used my information and opened up XXXX card and not paid XXXX Account number XXXX Chase Acct No XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: Experian Information Solutions 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:
UNIVERSITY OF XXXX XXXX This company is unable to validate the debt. They can not provide signatures or any information, that explains me owe them.

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 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I been incarcerated since 2012, and now I'm looking into my credit, I discovered unknown accounts to my knowledge and I'm requesting that these accounts be removed from my report, XXXX {$180.00}, {$370.00}, XXXX XXXX {$400.00}, {$110.00}, XXXX XXXX XXXX {$1.00} XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$83.00}, {$150.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX au {$150.00}, {$41.00}, {$40.00}, {$20.00}, XXXX {$610.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$0.00}, XXXX/ XXXX {$610.00}, I would appreciate if these accounts was 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 explanation