BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Resurgent Capital Services L.P.
State: NE
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 disputed a debt being reported on my credit report and instructed XXXX that I am not familiar with the debt, the company reporting the debt ( PYOD LLC. # XXXX ) and have not done business with the listed original creditor XXXX XXXX. 

I requested an investigation into the incorrect information and requested some form of signed documentation that the account being opened in my name and social security number had been authorized by me. I did not receive any form of documentation from either XXXX, PYOD LLC. or XXXX XXXX, I do not feel this request is exceeding my legal rights under federal law, if no one produces documentation, then what prevents a company from falsely claiming a debt is owed and just reflecting it on your credit report. 

I would like to have any signature obtained supposedly authorizing the original account to be opened, examined by a professional recognized by the XXXX XXXX Nebraska XXXX XXXX, as I did not authorize an account be opened and I want to have the signature compared to my years of signatures. 

They failed to obtain documentation and only informed me that the debt had been verified as accurate and never produced documentation to substantiate the claim that the debt was/is valid. 

My next step if it is not corrected thru this process will be to file a complaint with the F.T.C. for the failure of XXXX to maintain only 100 % accurate information within my Credit Reporting File.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CITIBANK, N.A.
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX our legal counsel, XXXX XXXX, sent a demand letter ( via Electronic and U.S. Mail ) to Citibank, N.A.outlining Citibank 's negligence in their handling of our HELOC and asking Citibank to take the necessary steps to rectify the negative and harmful consequences we have suffered ( loss of credit capacity, loss of credit expectancy, and loss of credit reputation, increased out of pocket expenses ). Citibank has yet to respond to the demand letter, as outlined by Federal law which requires a response within 30 days. 
On XXXX XXXX, XXXX we sent, via fax, an additional demand letter to Citibank which has yet to see a response.

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 2022-04-06
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:
It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX XXXXXXXX. showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Please delete the items as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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:
It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX XXXXXXXX. showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: TX
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 'm showing inquiries on my report that I did not authorize & I have disputed with Equifax who refuses to remove .I have expain to Equifax that I was a victim of fraud.Equifax should understand as they are battling this issues as of today.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following items deleted Equifax Mortgage dated 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 2017-10-05
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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX I paid off a collection in full to rent recovery solutions acct # XXXX** and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XX/XX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XX/XX/XXXX. I have proof of both removals. I was not notified in writing within 5 days of placing this debt back on my credit report. This is a violation of FCRA. As of XX/XX/XXXX I pulled my Equifax, XXXX credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XX/XX/XXXXand that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from Equifax stating this information has been verified and XXXX just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back inXX/XX/XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions 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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 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 2019-01-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I told Equifax, XXXX, and XXXX  that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked Equifax, XXXX, and XXXX  to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently. 
Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) -  XXXX XXXX XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Lincoln Educational Services Corporation
State: MD
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 was asked to leave campus because of a XXXX  outbreak in my XXXX. During the height of the outbreak when laws were made surrounding how many XXXX  to a XXXX. Lincoln Tech went against the laws and packed the XXXX  to capacity. My XXXX  received a XXXX XXXX  result and the school advised everyone in the XXXX  go home. The course is hands on so we were unable to take online classes. As a result I was advised to start the course over. The school placed the room and board portion of my XXXX  loan on my credit as a charge off without any notice. I was not offered a deferment or forbearance. I will reached out for help from the XXXX  XXXX XXXX XXXX and was advised they could not help as the school claims that the loan is from a third party but placed it on my credit as Lincoln tech. The school stated in the attached letter that I can return when I clear up my debt with the school and on the same document they say the debt is with a third party and not the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts and inquiries has violated my rights. 

DEPT OF EDUCATIONXXXX Educational -Account # XXXX DEPT OF EDUCATION/XXXX  Educational -Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  -Account # XXXX The inquiry was not authorized XXXX XXXX XXXXR The inquiry was not authorized XXXX  XXXX XXXX The inquiry was not authorized XXXX XXXX The following personal information is incorrect Former : XXXX XXXX XXXX The following personal information is incorrect Also Known XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX NJ XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX  The inquiry was not authorized XXXX  The inquiry was not authorized XXXX The inquiry was not authorized XXXX/XXXX  The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-10-05
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a package to Navy Federal Credit Union who has the mortgage on my property back in XXXX 2017. The property is owned by myself and my mother who is XXXX. Each time we contact them to inquire able the status we get a email stating they are missing a document. We respond the same day with the document and then a week later they say they did not receive that document and another document. I am victim of identity thief so I am vary leery of keep submitting my social number. These are the documents the keep misplacing. My payments at this point is 3 months behind and I began this process when they were one month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : 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, HAS VIOLATED MY RIGHTS. 
15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2017-10-05
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called to setup payment and during the process I was asked few questions about address, card information and phone number. In addition to that the rep started asking for current employer and other details which I was not comfortable to answer. I declined it, and I told him I wonder why you need all other information and is it a standard practice. I was told yes, and I asked can you please share your compliance / data collection policy for my reference. The rep immediately told me he will transfer to someone in the compliance department. I asked for the same and expressed stating that it is not required to ask these questions. She told me immediately that you wanted a " free service '' sir and so you do not want to give information. This was an accusation and told her we changed our homes and somehow it bill got slipped off. This is the reason why I called to pay it off and i am glad you have called to resolve this. She continued to act rude and make statements which I never experienced before. This is unacceptable for any consumer to get treated like this. It is a simple question and she could have answered. Now, I would like to see their data collection policy which she declined to share. Please bar these types of companies. Her name 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 2017-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is called Portfolio Recovery and they keeps on calling me, I have never done business with this company, I have talked to them many times and they keep on asking for other people names and I tell them that this is not me, but they keep on call, they will call from other phone numbers as I am reporting and placing the complaints and the company names is the same as Portfolio Recovery, this company has been reported as scammers, please have them stop calling me, they will not respect my wishes and the Federal No Call List. 

Thank you for all your help and support with the issue and matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I found out in XXXX that Navient was no longer servicing my FAFSA and I was wondering why. I called them and they told me my loan was in default, and they were not handling it. I had gone back to school in XXXX to get an XXXX XXXX XXXX and I am 5 classes short of completing my degree and they cancelled my loan. My loan was supposed to be in deferment while i was enrolled. 

I tried to get a Perkins loan and I filled out the promissory note on my phone and when I tried to submit it, my phone crashed. It got wiped. I was locked out of the phone until it auto-formatted itself. 

I received a follow-up letter from lending ccompany asking me to finish form at inoperable weblink. I took the letter to XXXX U to the Burser 's and the office cleared my loan. They photocopied the letter i received instructing me to visit a broken website. The lender is also a collection service. When you visit the site you cant even see your promissory note. SHADY! 

I 'm angry that Navient serviced me a gimpy loan. I need an EDUCATION loan. You ca n't quit in the third quarter! 
I got a NASA Space grant in XXXX! Why on earth would they not want me working at a high-paying technical job I earned with MY BRAINS? 

I have a print of my Navient loan. Ill get you account info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: RFNA, LP
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:
I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 

Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party. 
( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies. 



Furthermore, the XXXX loan was an approval of a specific extension of line of credit used by my XXXX XXXX XXXXXXXX and XXXX XXXX 
15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit. 
( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 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 ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation