BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: Sterling Infosystems Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fathers info is in my background check

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 2020-06-03
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX physician sold accounts to 2 different collection agency same accounts with different amounts ... Inaccurate information being reported..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: GA
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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: MD
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:
EXPERIAN CURRENTLY REPORTS XXXX XXXX STUDENT LOAN TRADELINE/ACCOUNT XXXX XXXX EXPRESSLY DENIES [ LETTER PDF ATTACHED ] REPORTED TO ANY CONSUMER REPORTING AGENCY. XXXX XXXX, former prepayment student loan servicer, held my ( {$10000.00}, XX/XX/XXXX ) student loan briefly ( XX/XX/XXXX-XX/XX/XXXX ) prior to said loan entering repayment ( XX/XX/XXXX ) to XXXX XXXX, current- and only loan servicer for said loans repayment. No payment was ever owed XXXX XXXX for said loan. No payment was ever made to XXXX XXXX for said loan. There is no repayment history for said student loan by XXXX XXXX. Repayment of said loan is solely serviced from repayment entry ( XX/XX/XXXX ) to present ( XX/XX/XXXX ) by XXXX XXXX. XXXX XXXX replied to my prior XX/XX/XXXX CFPB complaint stating : According to our records, the loan ( s ) referenced in the information you provided is/are not serviced by XXXX XXXX, nor is XXXX XXXX furnishing any information regarding such loan ( s ) to the consumer reporting agencies in your name. ( See, Letterhead letter from XXXX XXXX to me dated, XX/XX/XXXX, paragraph 2, lines 1-3, pdf, attached. ) In direct contradiction to XXXX XXXX XX/XX/XXXX letter, EXPERIAN currently reports XXXX XXXX denied student loan tradeline/account report for said loan. ( See, EXPERIAN report number : XXXX ), dated XX/XX/XXXX, XXXX XXXX tradeline account shown in my credit report, pdf attached. Contrast, attached pdf of XXXX XXXX letterhead letter, signed and dated, XX/XX/XXXX, unequivocal express denial that said EXPERIAN XXXX XXXX [ {$10000.00}, XX/XX/XXXX ] student loan report exists in any credit report. ) The attached EXPERIAN pdf XXXX Mae loan report copy unquestionably contradicts XXXX XXXX XX/XX/XXXX letter ( copy attached ), by which letter XXXX XXXX expressly repudiates EXPERIANS reporting of said student loan account. EXPERIAN should promptly permanently delete said student loan account XXXX XXXX expressly denies reported to any credit reporting agency. 


REMEDY SOUGHT : EXPERIAN promptly ( within five business days of receipt of this CFPB complaint ) permanently deletes XXXX XXXX denied student loan tradeline/account report for said student loan ( EXPERIAN Report number XXXX for XX/XX/XXXX, XXXX XXXX account number : XXXX, pdf attached ) from 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 2018-04-17
Company: Nationwide Financial Group
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After becoming a widow we had some unauthorized activities on an account and decided to close that bank account. The car loan company XXXX XXXX was given notice of this months in advanced. While waiting for a form in the mail to authorize the change ( for two months ) payments were made over the phone. A customer service agent walked me through an illlegitamite online bill pay setup for the following month while also taking current payment over the phone on the XX/XX/18. Sure enough funds were withdrawn from both accounts. Causing more havoc on the accciunt we have been trying to close and holding up the closure of the account that would leave us with some funds to transfer out with. I have been promised the account to be reimbursed and have been waiting and watching daily!! So very frustrating!! How is this okay for the company to do? How much tube do they have to fix the problem??

Company response to consumer: Untimely response
Consumer complaint received 2017-09-17
Company: Nelnet, Inc.
State: OH
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 recently learned that my credit score dropped by 53 points due to my student loan having late payments. The problem with this is that I was on an income based repayment plan and had a {$0.00} payment due. No one has notified me that this expired or changed and now my credit report says my payment is behind 120-149 days. I do n't know who to contact to update my income information. I had a XXXX in XXXX 2017 and have been out of work since XXXX 2017 since before that I was working from home. Can someone reset my {$0.00} payment? Can I be contacted by mail since I have not gotten any other contact and so I can be sure to not miss it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company stole my personal identity in order to fraudulently collect a debt that I dont own. Ive never signed any written forms of communication, nor have I entered into any agreements with them. 

They are currently harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I was married, my ( ex ) husband and I consolidated our loans into a spousal consolidation. He filed for divorce XXXX  months later. Our divorce settlement ordered him to be responsible for the debt of the loan. He has failed to pay the loan and deferrred it for multiple years, without my consent. My understanding is that BOTH spouses must qualify for financial hardship. Im a XXXX  and make an income that wouldnt have qualified me. My ex either forged my signature or falsified information. Navient never contacted me to verify my income, and deferred the loan multiple times. Now, years later the interest has almost doubled the loan. My ex has stopped making payments. Ive been forced to make the payments for the last 3.5 years. We are on the income based repayment plan and the reduced payment is $ XXXX/month. Im struggling to afford this and also know its only paying the interest on the loan, which is {$160000.00}. My portion of the loan is only {$27000.00}. Im exasperated that Im held responsible for all the interest and that Navient never contacted me to verify my income. They approved the deferement without my consent. This is very wrong. I realize that Navient doesnt care about our divorce agreement. I would like to pay for my share of the student loan and not be responsible for my exes share. This isnt fair! Ive consulted with attorneys, but Id rather communicate directly with the server or government. Please let me know what I can do. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im unable to upload this information via https : //dispute.transunion.com/dp/dispute/landingPage.jsp? PLACE_CTA=dispute : cta, Im not sure if the server is down or theyve blocked my IP address. Ive mailed in these documents before, and according to several agents, its required and exactly whats needed to process the removal of these fraudulent entries to my personal credit report. Today I am unloading them via the CFPB, and I will mail them certified mail with tracking and return receipt so I know exactly when they are received.

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 2020-07-23
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have MULTIPLE fraudulent accounts opened in my name against my account! I have tried MANY times to get these charges off my credit with a response of, 'its my responsibility to pay. ' The accounts are not mine and I did not open them so I will NOT be paying someone's fraudulent charges in my name. Please get back to me ASAP to resolve all of this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Credit inquiries on your report that you don't recognize

Complaint:
These are not my inquiries, I have never applied for these.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX 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 2019-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX contacted me with a credit bureau report about a balance from XX/XX/XXXX, over 18 years ago. I am aware this is well past the statute of limitations to collect on and as well to report to the bureaus. To have this currently being reported on my credit score is not only incorrect but also a violation of the collection agency to still be reporting and/or collecting on.

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 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I filed a dispute with Transunion to remove a fraudulent account that is listed on my credit report. They stated it was verified and did not provide any proof although, I know I have never had a account with XXXX. I am trying to establish credit and this is hindering my process and progress in life. 

Thank you, 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 2020-05-27
Company: FISERV INC.
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I unexpectedly received an EIP card with an indeterminate amount of CARES Act funds on it, but the terms of use include predatory fees and a mandatory arbitration agreement. The issuer ( Money Network Card Services/Money Network Financial LLC/Metabank N.A. ) lists a phone number through which a paper check can be requested, but the automated system routes the call straight to card activation, which entails de facto acceptance of the arbitration agreement, and provides no other options. This is a shameless attempt to trick consumers into incurring debts to third-party servicers under the guise of receiving federal aid, and using inadequate customer service to spike justified 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 explanation
Consumer complaint received 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My unemployment bank of america pre paid card has been frozen for " suspected fraud '' since XX/XX/20 and I currently have a frozen balance of almost {$800.00} i can't access. After contacting XXXX and their fraud department numerous times since it's been frozen, I was notified that there was no form of fraud on my account that was detected and also sent XXXX my identification ( ID, passport ) along with SS card. Bank of America has been absolutely no help either. it's been nothing but a blaming game between both parties and I can't get any strait answers from them. Bank of america has all of my information verified from XXXX but STILL will not release my account. I have a total of {$1500.00} in weekly benefits from XXXX that bank of america kicked back because of this mistake and I don't know what else to do. I am in dryer need of my benefits. Can you please help?

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 monetary relief
Consumer complaint received 2020-11-28
Company: GOLDMAN SACHS BANK USA
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter form Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank requesting money from me. I responded and sent Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank a Notice to Validate the debt claimed that I owe. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank ignored my requests to validate their account on XX/XX/2020. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank received 3 notices to 3 different addresses via certified mail. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and XXXX XXXX Bank failed to provide proof of contracts explaining why they feel like I owe them anything. 
This account has been updated each month with the 3 major bureaus and has not been validated This account has been charged off 28 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am living in an area under a declared State of Emergency and have been since XX/XX/2018. Capital One continues to rack my debt up in the hundreds and I can not afford to pay this. I do not have a home, and the money I make goes towards normalizing my life again. I used my capital one credit card days before Hurricane Michael destroyed my home and fully intended to pay it off. Its not do-able right now. They call me every day and leave messages and they continue to rack up my late payments even after telling them Im in a state of emergency. Ive attached photos of my home and area.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
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 had ongoing problems with an account that is invalid and that was an illegal charge yet for all of my attempts to get Equifax to remove it which they have on multiple occasions it always ends up back illegally re-aged and still inaccurate. 

It claims to have been opened on XX/XX/2018 which is in fact two years after the ambulance trip in question. The fact remains that this was an illegal use of XXXX XXXX 's fire rescue to transfer me for a non-medical situation against my will, without my consent in direct violation of their policy after they violated my rights which I'm currently litigating in the fourth District Court of Appeals in the state of Florida see oliverkamm versus Broward sheriffs office. 

As a result of which they billed -- thorugh there own service - not one my isnsuaance covers -- {$1000.00} for an ambulance that I didn't need and that they didn't cover although I have insurance with full deductible that would pay for it the charge was just fraudulent so they didn't. 

I try to work this out directly with both my insurance and with XXXX XXXX and with Equifax but no one has done a thing other than re-aged this illegally continue put it on as if it was a valid debt when it's not and I can test it from the beginning. Once again Equifax is proven themselves to be untrustworthy unfair and seemingly out to makeremoval offalse info impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, 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:
I HAVE CONTACTED THE CREDITORS LISTED BELOW ABOUT THESE UNAUTHORIZED INQUIRES. I HAVE ALSO CONTACTED THE CREDIT REPORTING AGENCIES ABOUT THESE UNAUTHORIZED INQUIRES. BOTH TO NO AVAIL. THIS IS A VIOLATION OF MY RIGHT TO PRICVACY AND THE FCRA ... ... ... ... ... ... ... ... ... ... ...... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have made dozens of requests to have the bankruptcy reported on my credit report from 2019 removed. I have provided TransUnion with documentation from XXXX, the XXXX XXXX XXXX stating this is reported incorrectly. And yet they refuse to remove the information. I recently sent them all of the documentation certified again, and they are still refusing to remove the incorrect information.

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 2020-07-23
Company: EQUIFAX, INC.
State: DC
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 was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation