BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we filed a chapter XXXX bankruptcy. The mortgage company submitted a claim for the arerages and the ongoing monthly payments. The bankruptcy closed at or around XX/XX/XXXX. They are now charging {$28000.00} " in fees ''. I have made numerous attempts to get someone to explain these charges and if these were indeed owing why was it not submitted as a claim during the claim period of the bankruptcy. 

I have made numerous calls and received promises to have someone call me back. I have not heard back from anyone. I have written requesting this information ( several times and recently sent a certified letter about 5 weeks ago, again no response. 

I am currently paying 11 % in interest. I need to re finance at a more reasonable rate and I need this matter cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: ACS Education Services
State: CA
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:
I XXXX my husband and then. my daughter got incredibly ill- during that time my student loans got sold to what I believe is a XXXX  subsidiary. I asked my lender to adjust my payment amounts - I was not working full time nor much at all as I was at hospital with my family - I offered documentation and was told that if I did not pay the amount ( over $ 1000/month ) I would default. I explained that my income had dropped substantially and that I worked in public health - so already was not really making much money - and offered to pay several hundred dollars a month as a good faith payment. They refused. I finally took a forebearance - they told me there was not other option. I understood that this would interrupt making 120 payments in a row but had no other option. I was told the forebearance - and interest accrued -would cover the missed payments in XX/XX/XXXX- yet they still appear on my credit report as red marks. Similarly- I tried again to get a smaller payment per month in XX/XX/XXXX -  was told it was not possible - got another forebearance and this time there was an error in the report- but the loan company never told me that nor responded to my many inquiries about the status of that forebearance ( again a late mark on my credit report for a month I am now being charged interest on ). I just found out that as someone working in public health and also as someone who wanted to pay her loan a lesser amount- my lender and its servicer where required to work with me - I believe they had me take the most expensive and the option that profited them the most- rather than helping me pay my loan at a lesser monthly amount while I was undergoing incredible duress ( again - all documented medical, lowered income, paper trail on the communication with the loan people )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: AES/PHEAA
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: Account status incorrect

Complaint:
Theres been multiple attempts made w/the servicer, FedLoan, as well as all 3 credit bureaus, which even shows in the remarks sections on my reports that Ive disputed under FedLoan. Two major issues, not being corrected. I have SIX ( 6 ) open loans w/ FedLoan, 4 of those loans are being reported CLOSED on XXXX . Those same 4, were originally owned accts by XXXX & transferred to FedLoan. These 4 loans show current & open on XXXX  & XXXX. 

XXXX Original Loan info : {$3500.00} disbursed XX/XX/XXXX transfer date unk {$6000.00} disbursed XX/XX/XXXX transfer date unk {$1700.00} disbursed XX/XX/XXXX transfer date unk {$2900.00} disbursed XX/XX/XXXX transfer date unk 2. My other major issue w/FedLoan is that only on XXXX  report in the remarks section, on the 4 CLOSED loans. My Chapter XXXX Bankruptcy information is listed as if I filed w/FedLoan included. NO student loans were included in my Chapter XXXX Bankruptcy, filed XX/XX/XXXX, later discharged XX/XX/XXXX. Bankruptcy case filed in XXXX  XXXX, MO. US Bankruptcy Court # XXXX XXXX. It was filed under my married name. Which I am now back to my maiden name. They can always verify that information, Ive disputed several times w/ documentation & it still has not been corrected by XXXX  nor FedLoan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recieved a bill from a debt collector XXXX XXXX on XXXX XX/XX/XXXX for a emergency standing room visit on XX/XX/XXXX stating I owed XXXX past due at that time for services rendered. What they don't state is my insurance paid for said visit our obligation was a XXXX co pay which was paid at that time ... I sent certified mail stating this and requested a actual statement from XXXX XXXX stating actual charges..They sent a in house statement from their company.My concern is this is Medical Fraud .How did they obtain my info and why was I not notified prior to the Debt collector contacting me.Account number per XXXX XXXX XXXX XXXX   is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I filed an on-line dispute with Equfiax regarding a tax lien that was incorrectly reported. As of today 's daye ( XX/XX/XXXX ) the account still shows as " pending '' on-line. 

I contacted Equifax via their on-line chat on XX/XX/XXXX and was told I must call during the hours of XXXX local. I called at about XXXX on XX/XX/XXXX and was informed that the dispute investigation had been completed on XX/XX/XXXX and I had been notified by email. I received no such email. 

Upon checking my email accounts, I verified that no email was sent and/or received on that or any other day from Equifax regarding this dispute. Additionally, the Equifax rep said she was re-sending the email. That email has also not been received. 

The dispute is regarding a tax lien filed in XX/XX/XXXX and subsequently paid off. Equifax shows the amount still owing. In addition, Equifax does not show the item in dispute as is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Hey, My credit card have been double charged for a transaction with Coinbase and I've still not been reimbursed. I've tried to get in touch with the company, but they have only let me talk to a robot, or sent me automated emails. 

Date of transaction : XX/XX/2017 Both transaction charged an identical amount of XXXX XXXX XXXX  The first transaction was consensual and I got what I paid for. 
However, the second was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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:
I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I XXXX not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: MD
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:
I have been trying to obtain business funding to start and better my business however, this has not been possible because ever since I filed my bankruptcy, certain accounts were not updated properly on my credit report! So on XX/XX/XXXX I decided to try to dispute the false information with the bureaus. By XXXX they hadn't responded or corresponded with me at all so I sent another dispute on XX/XX/XXXX. Here it is XX/XX/XXXX and I am sending another dispute even though none of the bureaus have responded to me about anything I submitted to them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/, I tendered payment to NELNET/ US DEPT OF ED in the amount of {$79000.00} but NELNET continues to make attempts to collect the debt and report the item negatively on my credit reports as unpaid. I tendered payment. OnXX/XX/XXXX, I disputed the item as prescribed in law under the FCRA and FDCPA and I requested NELNET to provide the original contract bearing my signature and the comprehensive accounting of the account but they willfully ignored my request and claimed " We are unable to adjust your account at this time, because your credit inquiry was incomplete, invalid, or a goodwill* request ''. NELNET violated the FCRA and FDCPA by reporting my account with negative remarks on XXXX XXXX and XXXX, for a debt that I dont owe, therefore since NELNET can not validate the debt, NELNET must request that all credit reporting agencies delete the entry.

Other than that, this account was created by fraud because I never gave permission to NELNET to withhold the comprehensive accounting information from me. The comprehensive accounting is not proprietary information, NELNET does not get to hold that information and I demand to see that information. If NELNET fails to provide the comprehensive accounting or prove that this debt actually exists and that is what a full and complete comprehensive accounting will show, then Ive already paid through legal tender of payment, government obligations remittance coupon dated onXX/XX/XXXX in the amount of XXXX. If there is a remaining balance, then it is false debt and NELNET hasn't applied all credits to the account and NELNET did it intentionally because I asked for a comprehensive accounting and not a billing statement. I want a complete and full comprehensive accounting of every transaction associated with my account to show that this debt exists.

Lastly, the retaliatory action taken by NELNET via credit reporting agencies will result in a small claims action at my local venue. Their actions has caused me significant harm, defamation of my character, job loss, humiliation, inability to acquire credit, home, water, phone, and other necessities of life. There is fairness in the Law. NELNET violation of the Law has harmed me physically and mentally. I request the CFPB to investigate this matter and make NELNET provide the original contract bearing my signature and the complete and full comprehensive accounting of this account. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Santander should of been removed from all of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid them TONS OF MONEY TONS! OVER THE YRS AND IN XXXX ARE XXXX I PAID XXXX TO KEEP MY HOME FROM SHERIFF SALE I DID A MOD AND MY NOTE IS HIGH AS EVER!!! 
AND THEY ARE TELLING ME I HAVE TO XXXX A MONTH FOR TAXES AND INS WHICH IS XXXX A YR AND MY HOME INDLS IS XXXX A YR AND MY TAXES ARE XXXX A YR! SO EXPLAIN THAT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
An item was ordered from XXXX  and the treadmill was never delivered and the order was canceled. I called the credit card company, I was told that they can see that XXXX issued a credit for the full amount of purchase plus shipping, but the refund is in a pending status and thus they could not change the information on my credit report. I have done everything that I need to do, I not sure what to do at this point.

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 2023-02-01
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:
XXXX, Equifax, XXXX, XXXX XXXX, and XXXX XXXX are refusing to remove this inaccurate information from my account. To date as of XX/XX/2023 I have not received any documents providing the requested debt validation items they should have within their files as they've only stated the information they have is correct. How is the information correct, what information do you have within your system, who completed the application, where is the credit card application, send every single file and not a credit card statement. 

Credit Bureaus REMOVE this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: MS
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
This is my several endeavors to tell credit bureaus 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 records 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 alleged fraud or extortion. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a fraudulent account that is continuing to report on my credit file. I have been instructed to upload the police report and call in to attache to the file. Every time I call, they are not able to locate the police report that has been uploaded and mailed to Experian. Thus this fraudulent account continues to appear on my credit file. The fraudulent account is XXXX XXXX. I have never had this account and it was opened fraudulently. I am attaching all of my supporting documentation to this complaint as well.

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 2018-03-11
Company: EQUIFAX, INC.
State: IL
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:
I have placed a dispute with equifax on XX/XX/2018 regarding a chapter XXXX BK that was not related to me with confirmation # XXXX. I checked my credit report due to an alert of a score change on XX/XX/2018 and noticed the item was deleted ( chpt XXXX BK ). On fri XXXX the item was re-inserted back on my report. I contacted Equifax again on XX/XX/2018 to notify them that i was not notified in writing nor email of the reinsertion within 5 business days allowed by law per the FCRA. I also faxed them a formal complaint letter to remove item on same day. Equifax removed the item on XX/XX/XXXX for 2nd time and reinserted it again on XX/XX/2018 confirmation # XXXX. THis is now a direct violation of my rights under the FCRA. Equifax is knowingly and willingly dmamaging my scores and credit reports on purpose as i am in the middle of closing a mortgage. They also claimed to had verified information with courts and courts told me they do not verify third party information such as the credit bureau. the re-investigation was incomplete as they were untruthful with me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been communication with XXXX XXXX XXXX for the past few weeks requesting written proof that my debt has been paid off and they keep ignoring my requests. They keep telling me to call in three business days and when i call they still deny to provide me with proof and tell me to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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: Account information incorrect

Complaint:
I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga. XXXX See attached XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent Chase Bank ( account/s ) Possibly involves XXXX XXXX XXXX accounts XXXX : distributed information dark web Cell ported number Can not contact Chase Bank No access to cards/accounts Possible additional account holders XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX cell phone, the phone 's ESN # XXXX, the SIM # XXXX for {$310.00} thru a special XXXX XXXX XXXX promotion ( if customer signs with XXXX XXXX XXXX ) from XXXX XXXX XXXX in XXXX XXXX, CA. 

XXXX XXXX XXXX rep called XXXX XXXX XXXX and setup acct # XXXX and for 2 hours was unsuccessful to keep/transfer my business cell phone number. The rep gave me my purchased cell phone and stated I could try on my own. I visited two XXXX XXXX XXXX stores and then called customer support and technical support in which all attempts still unsuccessful to transfer my cell number. 
Within 8 days ( including XXXX XXXX and XXXXXXXX XXXX has a 14 day return policy ), I returned the cell phone onXX/XX/XXXXand was refunded and was told the XXXX XXXX XXXX acct was cancelled since I did not use the cell phone. From XX/XX/XXXX thru present, I continued to receive XXXX XXXX XXXX billing for XXXX. I called and explained, no change. I then sent all receipts, notes to explain I did not have any type of account with XXXX & XXXX I am now being mail abused by many different creditors as well as XXXX XXXX XXXX to pay {$100.00} that I do not owe. 
XXXX XXXX XXXX has placed this debt on my credit report and I disputed but still received collection letters. I ask that the CFPB investigate XXXX XXXX XXXX for fraud charging and unfair practices against the consumer. Thank you.

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