BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
This is my second attempt writing you in response to your decision to close the dispute investigation for inaccurate late payments. I disagree with your decision because accounts are still NOT reporting 100 % accurately according to Fair Credit Reporting Act ( FCRA ) .The creditor XXXX XXXX and XXXX XXXX XXXX  are reporting different payment history on all three credit bureaus. These accounts are showing inconsistency and inaccuracy on my credit report that you failed to notice. How is this possible if by Federal law, everything on my credit profile must be accurate, and verifiable if not that information must be deleted. You have FAILED to conduct a proper investigation. 

Also, I NEVER received the option to opt out of disclosing my personal information to third party according to 15 U.S. Code 6802. This is a Violation to my consumer rights. I did not give the creditor written authority to include transactions nor payment history to any third party in accordance to FCRA and 15 U.S. Code 1681a. 

Again, You have failed to conduct a proper investigation and the information is not accurate. Therefore, According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

I am requesting you immediately REVERSE or REMOVE late payments from the following ; Creditor Name : 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 2021-08-31
Company: Central States Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Csr told me they couldn't find my account in system they then transferred me over to someone, she Mrs XXXX took my card number and didn't give me any confirmation number for payment she told me she had to Wright down my credit card numbers for payment for the book keeper to process she never told me she was weighting down my number before doing so, I told her she shouldn't be weighting down card numbers she said process time is 8 to 4 I didn't appreciate her weighting down my card numbers on paper to process later

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: AES/PHEAA
State: MD
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 filed my annual Public Service Loan Forgiveness certification. Despite the period for certification being XX/XX/XXXX through XX/XX/XXXX and payments being on autopay but for the CARES act period, my fedloan only has certified 9 qualifying payments when it should show at least 12 qualifying payments. Their letter does not even mention the CARES act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: COMPUTER SCIENCES CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan was opened in XX/XX/XXXX. Payments made monthly on time and never late. Final payment was made on XX/XX/XXXX. 

I have requested the title as well as a lien release form. Company is not responding. Websites ( XXXX ) is no longer in service. Phone numbers are disconnected ( XXXX ). 

In order for the state of GA to release my title to me, I need a regulatory agency to confirm this company is no longer operating.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: World Acceptance Corporation
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, World Acceptance CorpXXXX reported to XXXX, XXXX & XXXX a charge off status to an account that was opened under my name. Oddly that a company would report an account charged off for XXXX after two months. In XXXX of XXXX my wife and I began looking into buying our first home. As a blended family we both had a few things to work on from previous marriages. This item was one which raised a question, to my recollection I hadnt opened account with this company. On XX/XX/XXXX, I went into their office asking for a copy of account they reported under my name. I was given a trade line printout and told they had a copy of my ID and signature. Since we had an established membership with XXXX XXXX I notified them and they told me they would send out a dispute on my behalf an to take it a step further I would need to have the dispute form notarized and returned to them with any documentation I had received from World Acceptance Corp. XX/XX/XXXX I went down to my banking institution and had the form notorized and put in the mail that same day. We had already began working with a real estate agent I asked them as well what their thoughts were and if this could effect the outcome of buying a home. They replied, most definitely am advised to dispute the item with the credit agencies as well as the company directly. I was informed by XXXX XXXX that I had to give the company some time to investigate the account before it could be updated or removed depending on what was found. XXXX on XX/XX/XXXX I challenged the item again to date it still remains on my file. After much time passed the real estate agent suggested filling out a police report and file a complaint with CFPB. XX/XX/XXXX, we went down and filed the report with the local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a discrepancy I have noticed in my credit report following a recent credit card application with Capital One Bank on XX/XX/2023. 

Upon applying for a credit card with Capital One, I was surprised to find that the subsequent rejection had a significant impact on my credit history, as indicated by the notification I received from XXXX stating that there is a high risk on my credit report. 

I carefully reviewed the terms and conditions provided by Capital One during the application process, and nowhere was it explicitly mentioned that the application itself would have an immediate and substantial impact on my credit history. I understand that credit inquiries may have an effect, but the magnitude of this impact was unexpected and seems disproportionate to the nature of the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, 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:
On XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate account from XXXX XXXX  on my credit report with Equifax. The package also highlighted fraudulent inquiries that should also be removed. The account and the inquiries in question is still reporting under my name and social via my personal credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017 with an amount of {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Information belongs to someone else

Complaint:
unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by Cfsi ( Commonwealth Financial Systems, Inc ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to Cfsi ( Commonwealth Financial Systems, Inc ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, XXXX ) without Validation. 
Furthermore, Cfsi ( Commonwealth Financial Systems, Inc ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
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:
Loan types and Dates of disbursement : Direct Plus loans : ( Reviewed on Federal Student Aid website ) XX/XX/XXXX - XXXX XXXX XXXX XXXX, 5.3 %, {$10000.00}, status : repayment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 6.28 %, {$15000.00}, status : repayment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 7.54 %, {$12000.00}, status : deferment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 8.05 %, {$9800.00}, status : deferment Unsubsidized loans : ( Grace period ends XX/XX/XXXX per Federal Student Aid website ) - Direct unsubsidized, 4.53 %, {$3600.00}, status : grace period - Direct unsubsidized, 5.05 %, {$3000.00}, status : grace period XX/XX/XXXX - Direct unsubsidized, 4.3 %, {$20000.00}, status : grace period XXXX unsubsidized, 5.28 %, {$20000.00}, status : grace period XXXX Direct unsubsidized, 7.54 %, {$12000.00}, status : grace period XXXX Direct unsubsidized, 6.54 %, {$10000.00}, status : grace period Dates/ Timeline correspondence with Nelnet : XX/XX/XXXX - Graduated from graduate program XXXX 

XX/XX/XXXX - Notified my XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  and XXXX are in repayment and groups XXXX  and XXXX are in deferment via email from Nelnet. Email stated repayment starts on XX/XX/XXXX. 

XX/XX/XXXX - Emailed nelnet to ask for clarification. Received email saying they are unable to reply to emails due to unprecedented email volume. 

XX/XX/XXXX - Called Nelnet help desk 3 times during open hours. Reported hours are XXXX per Nelnet website XXXX Received messages that call center was not open. 

XX/XX/XXXX - Called Nelnet help desk and waited over XXXX hrs with no response. Reported hours XXXX. Received automated wait message with no contact with help desk. 

XX/XX/XXXX - Emailed Nelnet and recieved the same message from before. ( A total of XXXX email attempts were made from XXXX ). 

XX/XX/XXXX - No action/response by Nelnet at this time. 

XX/XX/XXXX - Payment is reported to be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions 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:
In XXXX of this year I obtained my credit report and found there was an account listed on my report for XXXX XXXX in XXXX XXXX. 

I was a patient there, on XX/XX/XXXX which I later confirmed through the hospital / via email. Since then I filed a dispute with all three XXXX, XXXX and Experian as they appeared on all three reports. The information was supplied to all three by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My subsequent dispute was simple, the debt should have been removed as it was XXXX years years old. I had to for the 2nd time dispute different information with Experian, as they had my Birthday and name incorrect. I was born in XXXX, Experian had my Birth year as XXXX, and my name as XXXX XXXX, they added my middle initial to my first name, ironically making me a female ( XXXX ) is the female version of XXXX in XXXX and in many XXXX XXXX   families. 

Both XXXX and XXXX removed the XXXX account Experian did not, and in-fact verified the information as " accurate '' I don't know how they could claim the information was verified as accurate. I filed another dispute with Experian via mail, provided the information from the original creditor ( XXXX XXXX ) a copy of my social security card, my Nevada Identification ( Real ID Version ) and a copy of my W2 to confirm the address. Again they came back and stated " Verified and accurate '' with the account being opened in XXXX of XXXX. Approximately a week later I received a form letter stating " I would have to confirm my address, and my identity before they would send any information to my address ''. They did not ever read my correspondence everything they asked for to " confirm my identity '' was already included. 

At this juncture it's painfully obvious that not even the minimum " investigation '' was performed, no one ever read the letter. The debt is being re-aged plain and simple. I would think when the original creditor confirms you were not even a patient there during their stated time the account was " opened '' would be considered prima-facia evidence nothing is being done correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
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:
Statute of limitations has expired. Collection is seven years old and should be removed from the report at this time.

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 2023-02-03
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX INFORMATION SERVICES, LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT. # XXXX XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am writing to report a problem with Costco Anywhere Visa Card by Citi. Citi issued the card automatically because I had a Costco membership account. However, I have not been to Costco for over two years. I called the number in the back of the card XX/XX/XXXX to request the cancellation. The representative told me that she put in the request right then and I was all set. Yet I am still receiving bills and now this enclosed letter showing that my account has not been cancelled and that I owe money on the account for the yearly Costco membership fee. I never applied for the card, never used the card. I sent a letter to Citi on XX/XX/2016 requesting my account be closed and the outstanding balance be cancelled. I still got an email this morning from Citi telling me to pay the balance to avoid penalty fees. I am deeply disappointed in the customer service of Citibank. I hope CFPB will help me put an end to the outstanding balance of this credit card account, and that this account will be closed for good.

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 2023-04-03
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:
Fraudulent accounts appearing on credit report. 

1. XXXX XXXX 2. XXXX XXXX 3. 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