BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report and noticed inquires that I have never made and sent letters to the Equifax with in a certified envelope to remove these inquires that are not mine if not provide me verification that these are mine.. I received a letter back stating that these inquiries are Verified. Verified means the credit reporting agency must provide me proof of verification that show my signature on an application of other documentation. Equifax did not provide any documentation and is now putting false information on my credit report which I will file a lawsuit against Equifax if these false inquires are not removed. 

Equifax has had numeroud data breeches and now fails to correct there mistakes which is key in a lawsuit if these accounts are not removed for false inquiries. 

The letters stated " Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

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 - XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: TN
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 really need your help because at this point I dont know where to turn.I opened the mail and I saw three letters.One from all three credit bureaus.I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX XXXX Account # :XXXX I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me nor have they attempted to investigate this issue or delete the item. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile. This is a HIPAA violation to report this on my credit report as a collection and not verify it. I would like to seek legal representation if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-09-28
Company: JH Portfolio Debt Equities, LLC
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: Old information reappears or never goes away

Complaint:
I have a previously removed collection on my credit report being posted by a different collector for the same inaccurate debt and I would like it removed from the credit bureaus immediately. I have tried disputing the item and it still has not been 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 2017-09-28
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
I have a previously removed collection on my credit report being posted by a different collector for the same inaccurate debt and I would like it removed from the credit bureaus immediately. I have tried disputing the item and it still has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
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: Personal information incorrect

Complaint:
I have submitted many letters to Equifax over the pass year notifying them that they have an incorrect birth year for me. Equifax have a birth year of XX/XX/XXXX. I was not born in XX/XX/XXXX, I was born XX/XX/XXXX. Please help me to get this information updated on my credit file. I have sent Equifax proof of this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: NV
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:
The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded XXXX XXXX to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to XXXX XXXX via email to fix the error. XXXX XXXX is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to XXXX XXXX, XXXX, and Equifax in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX has removed the account from my credit report while XXXX XXXX and Equifax has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was XXXX XXXX about to verify with XXXX XXXX and Equifax but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Shellpoint Partners, LLC
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:
I paid off loan XX/XX/2021. New Rez/ shellpoint is now reporting that the account is paid but that the account is 120 days late. I have never been 120 days late. 

Shellpoint was contacted XXXX and they said it will take up to 90 days to correct. I need this fixed ASAP as Im trying to arrange financing for a property I have in contract now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS COMPANY HAS REPEATEDLY CALLED ME FROM DIFFERENT NUMBERS ALL HOURS OF THE DAY AND NIGHT. I PINGED THERE IP ADDRESS ON THEIR SERVER AND IT IS COMING FROM THEM IN VIRGINIA. IM AM EXHAUSTED WITH THIS COMPANY. THEY ARE PAST THE STATUE OF LIMITATIONS IN MARYLAND AND CAN NOT COLLECT BY LEGAL MEANS. THIS ACCOUNT IS POSTED TO MY CREDIT ACCOUNT AS OPEN ON MY ACCOUNT AND IT SHOULD BE CLOSED.I HAVE MAILED THEM A CEASE AND DISIST VIA US CERTIFIED MAIL, FOR {$6.00} I WILL SEEK A LEGAL REMEDY FROM THIS PREDATORY LENDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions 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:
XXXX, Experian and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS 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 2022-04-28
Company: Nelnet, Inc.
State: IL
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 have had a Student Loan for approximately 11 years. From a fraudulent school. They changed their name. I have initially called the Department of Education with my concerns upon the initial time of the incident. Because in regards to that school, I was unable to use, or transfer those credits to any city college, or university. The Department of Education representative at the time stated that it is not the responsibility of the department of education who needs to repay a loan. I said, so then I can open up a bogus school and have a bunch of kids go there. Have you guys finance it, and its illegitimate. That doesnt matter? She said yes as long as you can get kids to go there thats on you. I said, wow, ok. Later on I found out about XXXXXXXX XXXX. Im not sure how long it has been established. As I was looking for that information earlier on in the loan. I was getting the runaround through various departments within the Dept Of Ed. After stumbling across the XXXXXXXX XXXX application. I submitted a claim and was denied. I resubmitted a claim including an email directly from my new schools registrar, well now graduated from. It has been two years and it is still in processing. I spoke with XXXXXXXX XXXX. They said it is still in processing. As far as who is processing it I do not know. There is no expected time of completion. Which is of great inconvenience for me financially. I want to own a house, I want to live my life. Approximately {$21000.00} for something I couldnt use is a hindrance to me and my future. I dont know where to go from here. Which is why Im contacting you. I have asked them to speak to a higher up. They said that the supervisors will tell me the same thing. They said I could hire a private lawyer.. Which, for some thing I was never able to use. That makes no sense why would I pay for something that Im trying not to pay for because I am not responsible for this loan. If it was something I couldve utilized.. Instead of completely going to school over again to attain my degree. Then I could understand being responsible for repayment of the loan. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX, XXXX : # XXXX {$3100.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX, XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

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 2017-07-05
Company: Experian Information Solutions Inc.
State: MN
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 a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  , XX/XX/XXXX ,  XXXX ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX  , XX/XX/XXXX ,   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  , XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XX/XX/XXXX     XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/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 2022-04-28
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 recently challenged the validity of Collection Bureau accounts... XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, thats being reported on my most recent credit report. Upon challenging these, XXXX and XXXX already deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate ; they did not provide a signed contract nor a signed HIPPA release giving them permission to discuss my medical with them or anyone and did not provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitations in Florida. I noticed as a result of challenging this account with Equifax they have verified these same accounts. It is my understanding that the original creditor reports the same information to all credit bureaus as expected under FCRA. Equifax was not able to provide...

1.Please provide the method of verification who Equifax contacted to verify these accounts, and what the payments are for, 2.Provide a 1099c for each account since this account was originally charged off, 3.Provide the ofiginal signed contract with Collection Bureau for each account, 4.Provide HIPPA documents with my original signature for each account, 5.Provide collections license number, 6.Provide court documents that allows Collection Bureau to continue to pursue these debts past the statute of limitationsin Florida for each account, 7.Provide information referencing this account was either purchased or collecting on the original account holders behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Nelnet, Inc.
State: VT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
My issue is actually about not being able to access information about my account. I would like to know the payoff amount so that I can pay the loan off, but have not received a response despite multiple communications. My loan is through XXXX XXXX, but their loan servicer is Firstmark Services On XX/XX/2021 I emailed Firstmark Services because my account was locked, I was unable to unlock it online and I was unable to get through to them by phone. I also asked to switch to paper statements since this is not the first time I have had trouble logging into my account. 

On XX/XX/2021, Firstmark sent  me an email through a secure link stating that a representative would reach out to me by phone and that I would need to allow 24-48 hours. 

On XX/XX/2021, I emailed again because I had not received a phone call from Firstmark. I again asked to be switched to paper statements and for help unlocking my account. 

On XX/XX/2021, XXXX XXXX from Firstmark sent me an email stating that they could not answer my question without further information. 

On XX/XX/2021, I replied to Firstmark with the information they requested. 

On XX/XX/2021, XXXX XXXX from Firstmark sent me an email stating that they could not answer my email without further information. 

On XX/XX/2021, I mailed a letter to Firstmark Services detailing all the steps I had taken to reach them, including copies of all of the correspondence since XX/XX/XXXX, XXXX as of today XX/XX/2021, I have still not received a response. My letter also requested a payoff amount, that my statements be changed to paper statements and that I would be filing a complaint with the Consumer Finance Bureau if I did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have two checking accounts with Chase. On the morning of XX/XX/XXXX I noticed that 4 unauthorized charges on both accounts (XXXX, XXXX, XXXX, XXXX) totaling $XXXX. I immediately went to see if I still had the debit cards in my possession and noticed that my wallet was missing. I called Chase and reported the unauthorized transactions and that my wallet was missing which had all my cards and my ID in there. I wasn't sure if the pin numbers had been written down anywhere in my wallet. Chase opened up 4 fraud claims and issued me temporary credit for each charge. On Tuesday, XX/XX/XXXX I received an email from Chase stating that my claim for $XXXX was denied. I called the Chase Claims department immediately and was told that my claimed was denied due to the fact that my pin was used to make the transaction and it must've been me or someone I knew who made the transaction. I was told that it was my responsibility to prove to Chase that I wasn't the one who made the transactions and that I need to get a subpoena to get the camera footage but stated that it doesn't guarantee that I would get my money back. Chase refused to assist in any other way. I don't feel like a thorough investigation was conducted by Chase. They based their conclusion and the denial of the fraud claim solely on the fact that my pin number was used. I reported the fraud immediately and am still held liable. I was basically told by the fraud department supervisor that it was my fault and my responsibility to prove to Chase that the transactions were legitimately fraud. How am I supposed to prove something that I didn't do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America kept the loan payoff I did for someone. Bank of America has had the loan holders written permission since XXXX to look into this matter. 

Instead of looking into the matter, the bank hired lawyers to lie to judges faces to cover this up. 

When I payoff someone's bills or loans I have local police keep a copy. I have the copies the XXXX Police department had on file. 

CFPB Bank of America keeping the loan payoff has nothing to do with the loan holder. 

The loan holder couldn't make Bank of America do anything with the payoff I sent. 

Not once has Bank of America said why it didn't send the payoff back to me. 

Not once has Bank of America said why it didn't apply the payoff I sent to loan.

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