BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: CT
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 checked my credit report today and i found out that experian is attempting to report an invalid collections account on my credit report from ARS ACCOUNT RESOLUTION XXXX. 
account Number XXXX. 
this account has been disputed and deleted in the past and has recently been deleted by XXXX  from my consumer credit profile. 
Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account 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 explanation
Consumer complaint received 2021-09-06
Company: Nelnet, 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:
I did not sign a contract with them. XXXX XXXX sold the school and left thousands of students un informed and some did not even have a teacher 90 % of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Obtained a student loan from XXXX XXXX which we thought to be a reputable loan provider. It is now with Navient and the terms of the loan, while perhaps unchanged, are predatory and unrealistic to any consumer. Loan was initiated in XX/XX/ 2006 with an principal ( loan amount ) balance of {$31000.00}. After making consistent payments for over 12 years ( approx. {$57000.00} PAID ), the principal amount has INCREASED 40 % to {$44000.00}. I owe MORE now than when I started. How can this be legal?? It certainly is not ethical. Looking to ensure others are not damaged by this type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2023-03-29
Company: EQUIFAX, 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Credit Karma, LLC
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: Account information incorrect

Complaint:
Credit Karma has not contact number to dispute what they are reporting. XXXX  just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been disputing inaccurate accounts with TransUnion for over 8 months. They have provided me with any information about an investigation. I also contacted the creditors and they did not validate any information. My identity was stolen a couple years back, I'm not sure if these accounts are from that or just inaccurate. I have sent many letters providing proof of inaccurate, incorrect, and erroneous information they ignore me each month. 

These incorrect items are ruining my life. I don't know what else to do. 

The accounts below are incorrect. 

1. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 3. DPT ED/XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX  Account Number : XXXX 7.XXXX Account Number : XXXX 8. XXXX XXXX Account Number : 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 2023-08-04
Company: EQUIFAX, 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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have $ XXXX in student loans, which primarily paid for a XXXX XXXX in a field I cant work in. My XXXX is in computer systems security, and I have a charge on my record for hacking. Due to this, Im unemployable with that education. I tried applying for forgiveness, under the fact that it is non-beneficial and should have been guided elsewhere to a different degree program, but they refused to work with me on it. In addition, I tried applying for temporary financial hardship, and it was denied, even after providing proof of my income being much lower than I used to make. The interest seems to be going up more than the payments I need to make, So it feels like a never ending story. Im currently paying out of pocket to attend XXXX XXXX XXXX College, just to delay paying the loans back as long as Im going to school. I have no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 an account with PayPal since XXXX and this account had never reported to any credit bureau. In XXXX of XXXX at 60 day late payment was reported to all 3 credit bureau and I was NEVER notified of this change. I had no idea that Synchrony Bank had purchased Paypal and would start reporting to the credit bureau. 

I believe that Synchrony Bank did not do a good job at notifying its Paypal customers that they were going to start reporting. My account has been closed since XXXX and had recently been paid in full. Now that this late payment has been reported, I can not get the financing needed to purchase a car and a home. This had put major stress on my family and I believe the late payment should be removed. 

They did not appropriately notify their clients of this change and this is not right. I never received an email or anything in the mail pertaining to this issue.

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 2021-11-01
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX we completed a trial period then the account rep stop taking our calls or emails. we stopped payments because of ongoing pandemic and personal hardships, Out of the blue we received an offer trial payment modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with a {$10000.00} payment! i advised BSI INC, that we would have {$13000.00} some time in XXXX. when We contacted BSI in XX/XX/XXXX saying we have the {$10000.00}, BSI said we now must pay {$26000.00}. BSI sent us a notice of intent to foreclose on XX/XX/XXXX. We have sent BSI many notices asking for reconsideration and reinstatement and another chance a modification along with a copy of a check for {$15000.00}! Meanwhile, we have been receiving calls, emails and texts from investors saying they want to buy our house even though our house has not been put up for foreclosure. We think BSi has never really intended or wanted us to have a modification, We sent BSi a certified letter in XX/XX/XXXX requesting a review of our escrow account. Since that time BSI has not given us a stable monthly payment. Now they have leaked our personal delinquent account information out to investors and are trying to force us to foreclose without any fair chance at a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CCS Financial Services, 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:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX  # XXXX -CREDIT COLLECTION SERV # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: DC
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 reported multiple times to all XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX ) that XXXX  Account # XXXX has me late 60 days Feb 2021, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Nelnet, 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: Account information incorrect

Complaint:
I sent a debt validation request letter to NelNet in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: GA
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. 
XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Inaccurate. 
XXXX XXXX XX/XX/XXXX : Account number : N/A, Inaccurate. 
XXXX XXXX XX/XX/XXXX : Account number : N/A, Inaccurate. 
Unauthorized Inquiries I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: GA
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:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer 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 explanation
Consumer complaint received 2023-03-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
im in my last six mouth redemption period. but hers my question last XXXX we applied for the mi half and i found out about that program throw my mortgage company carrington. i made them aware that i did apply for the grant and we had a very good shot at it because my wife lost her job due to covid. every month i called carrington then i called mi half XXXX came around and mi half said we got everything in but they where backed up snd still waiting for someone to look it over. i called carrington and told them they said my house was set for the sheriff sale XXXX XXXX of last year : i tried to get it stoped but XX/XX/XXXX came and they did it anyways. i fill i lost my home directly due to my mi half. the bank told me all mi half would of done was to contact them to tell them i was working with them. I had other options I couldnt get a loan modification but I couldnt do that because I was waiting on an answer from mi half and now because of them the bank is blaming it all on mi half they said the sheriff sale would been stop if mi half wouldve done your job and contacted my mortgage company. mi half contacted them XX/XX/XXXX and carrionton refused payment. My mortgage company told me that they dont care what I tell them they wanted to hear from the organization mi half and I am under the understanding that they are supposed to contact the mortgage company to tell them that theyre working with the them. I am sitting here with one month left and because of this I lost my house. thats my story. My question is, is there anything I can do? I am told that under Sercombe circumstances that that can be reversed. I think Im should be one of the circumstances. my DHS  caseworker told me that there must be something that can be done because thats not fair. i will lose my hind because of this issue. ive contact everyone i can mortgage company mi half everyone point the figer at each other but at the end of the day im going to loss my home of 15 years because of two places that cant communicate. please help. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under the student loan pause, all accounts were supposed to be showing in good standing. No late payments should be showing on the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX  VIA XXXX : XX/XX/20 XXXX  XXXX XXXX VIA XXXX : XX/XX/20 XXXX XXXX  XXXX VIA XXXX XXXX XXXX : XX/XX/20 XXXX XXXX XXXX VIA XXXX XXXX XXXX : XX/XX/20 and XX/XX/20 XXXX XXXX  XXXX VIA XXXX XXXX : XX/XX/20 XXXX XXXX XXXX  VIA XXXX XXXX XXXX : XX/XX/20 Transunion customer service would not help and take care of these negative inquiries reporting to 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 explanation
Consumer complaint received 2022-08-10
Company: Giact Systems, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I unable to obtain a copy of my consumer report, I requested it three months ago, and still have not received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation