BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NJ
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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX added a collections on my XXXX portfolio. I called the company who directed me to att u- verse. I called att and asked questions about the account and the instillation address was in Texas. I havent lived in Texas since XXXX. I proceeded to go through identity theft protocol. I froze my credit and reported the incident to the police. Soon after the collection dropped off. On XX/XX/XXXX I received a collections for the same issue from sequium asset solution I called to dispute the charge due to identity theft and was not given the appropriate information and was given the run around regarding removal from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: MA
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 already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
In XX/XX/2022 my account is reported to credit bureaus XXXX, XXXX and XXXX it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XXXX XXXX  90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the Navient agent doesnt know basic math, anyone can see its incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home for the amount of XXXX on XX/XX/XXXX. My mortgage has been transferred to over 10 different companies and my last balance statement after 18 years is a balance of XXXX. This means after paying my mortgage for 18 years I have only paid XXXX in principal!! I have only had one modification while on SSI in XX/XX/XXXX. I have tried speaking with the representatives at Selene Finance today and they can not give me any information as to why this is so low. I have also requested financial statements regarding the " corporate advance balance of XXXX on XX/XX/XXXX and as of XX/XX/XXXX, they are unable to explain where these fees have originated from. I feel like living in a home for almost 20 years and having paid the mortgage every month and having only paid less than a 1000.00 in principal is criminal. The following companies have had my loan that I can remember : XXXX XXXX and XXXX XXXX XXXX XXXX Selene Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In the past 12 months and as recent as XX/XX/XXXX ; I have disputed a Tax Lien with TransUnion many times. After several disputes, they continue to report, even though courts do not report, or validate any type of record/ Lien . I have personally got in touch with " The Register of Deeds '' here in XXXX, Ma, and they have told me that they do n't report or validate anything with The credit bureaus. So with that I asked TransUnion many times where there getting their information from, because its not from the source. I do n't have any tax Liens nor am i in debt ; XXXX removed this mark due to it not being correct.

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 2022-09-03
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sold home on XX/XX/2022, and title company sent payment to Amerisave mortgage company. In late XXXX called and verified escrow was being paid out. America we had incorrect mailing address. I checked with title company and they had forwarded new mailing address with pay off amount. In early XXXX I received a letter detailing escrow account with statement stating XXXX payment and it stated check was sent out separately. I called and requested new they did not provide status of check. After XXXX weeks of waiting I call at the the end of XXXX and requested a new check be sent, and that I would have this prior to the end of XXXX. In early XXXX after 90 days, I still have not received a escrow refund check of over {$3700.00}, or a lien release / mortgage off statement. Considering hiring lawyer if not resolved within next XXXX weeks.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
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: Information belongs to someone else

Complaint:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

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 2017-08-24
Company: Equitable Acceptance Corp
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX XXXX XXXX reached out to me on XXXX XXXX, 2017 about the Student Loan Forgiveness program. They informed me that I qualified for student loan forgiveness and all I needed to do is pay XXXX a month for three years. I was advised that their company would take care of my student loan and that I did not have to pay anyone else. I thought they were a credible company because they claim to have affiliations with the Department of Education. Also, I was informed that I was enrolled in a income based repayment plan, which I was referred to enrolled in that program by my current lender, XXXX XXXX. Mistakenly, I thought XXXX XXXX XXXX was related to my current lender XXXX XXXX and that 's is not the case. XXXX XXXX XXXX misrepresented their selves and did not disclosed that their finance company is Equitable Acceptance. Equitable Acceptance is currently showing a inquiry on my credit report even though my consolidation application is processing along with a cancellation request. XXXX XXXX XXXX is using their finance company Equitable Acceptance to charging for services for preparing the documentation to consolidate a loan rather than help pay the loan off as they advertised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter to Americollect on XX/XX/2018 because they have reported incorrect information into my credit bureas ( XXXX, XXXX  & XXXX ). I sent a certified letter to them to send me a validation letter so I can verify this account. The amount collecting is {$170.00}. Based on the ( FDCPA ) Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( 8 ) a validation is requested. Americollect have ignored the validation request and they continue to report this information illegally to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX, IA XXXX RE : Personal Line of Credit Account # XXXX I am Wells Fargo Customer since 2008 and I am maintain may checking, Saving, Credit card and Personal Line of Credit good standing Today I found out your bank closed my account without informing me. I am so disappointed. 
Please explain to me why is my account has been closed and please reconsider to reinstated due to 9 years relationship with your bank. 
More information call me on ( XXXX ) XXXX Thanks 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 2022-09-03
Company: EQUIFAX, 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:
I received a notice from Equifax dated XX/XX/22 stating that " they will not conduct any further investigation '' because they claim that they have already done an investigation. 

I am requesting that they send the investigative consumer report explaining who they interviewed because I never saw any reporting explaining how they verified any information. To verify anything it needs to be sworn under perjury and they have not done that. 
I am also requesting a record of permissible purpose that they are supposed to have on file in their records that came from my written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Innovis
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:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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:
This is XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

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 2019-11-30
Company: ID Analytics, 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:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1. Loan was modified. Creditor error and should not be showing 30 days late. 
XXXX Account XXXX : XXXX Creditor took 30  days to modify the loan and should not being showing as late. Please remove the 30 day late payment from my credit report 2. The Balance on this account is incorrect. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. Creditor deferred payments for natural disaster fromXX/XX/XXXXThru XX/XX/XXXX. Creditor error should not be late XXXX Account Number : XXXX Deferred by the creditor for natural disaster and should not be showing late payment history. Please remove them from my credit report. 

4. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Please remove this inaccurate past due information on my credit report.

5. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Never 30 days late. Please remove the incorrect late payment from my credit report. 

6. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XXXX XXXX Account Number : XXXX full termination/entire payment schedule completed for terms of agreement. Please update, correct and delete all the incorrect items 7. This is a duplicate account Sold to XX/XX/XXXX and should not be reporting twice PROSPER Account Number : XXXX Duplicate accounts should not be on my credit file. Please remove from my credit report. 

8. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XX/XX/XXXXXXXX Account Number : XXXX Please update and delete all the incorrect items. 

9. There are multiple things that are being reported incorrectly in this account. If you can not verify please remove. 
XX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Nelnet, Inc.
State: IN
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:
Hello Consumer Financial Protection Bureau, I hope you 're doing well and thanks for all you do. However, please help me! Nelnet ( with its sky high interest rates already ) is doing everything it can to get even more out of me. Specifically, I have three groups of student loans - A, B & C. Groups A & B have higher interest rates ( 6.550 %! ) ; Group C is somewhat lower ( 6.160 % ). 

I 've done what I can though to get these lower rates, down from the original ones, which were even higher ( basically 7 % ). Namely, I 've signed-up for direct deposit and automatic payments. Researching Nelnet further, I determined after my minimum payment, I could actually put the rest of my payment, exclusively, toward the higher interest rate Groups, A & B. Doing so, put approximately an extra {$150.00} of my $ XXXX payment toward my principal ( making it a great option for me )! 

However, Nelnet appears to not like me paying-down my account in this way. Thus, instead of applying my directed payment toward the two high interest groups ; instead, Nelnet keeps, accidentally, putting half of my payment toward the lower interest group ( C ). This means about an extra 14 % /month ( of my monthly payment ) goes to Nelnet as interest, instead of toward my principal. I 've called-in for several months now to get this corrected, and I 'm told -each time- it was a one-time mistake and will never happen again. Yet it just did, again, with this month 's payment. Am I the only one? It 's unlikely. I would really appreciate your help in fixing this matter ( or Nelnet all together ). 

Most appreciated. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: LA
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:
Hello, My name is XXXX XXXX XXXX XXXX. 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. Im trying to get a new couch and these items wheny get me approved. 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 explanation
Consumer complaint received 2019-11-30
Company: ACS Education Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion displays innacurrate employer information on report. I do not work for XXXX XXXX. I work for XXXX. Fraudulent activity

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 2017-08-24
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cavalry is claiming that I owe money. I have requested that they provided verification of how I owe them anything. as of today they have n't provided any documentation.I 've never had anything to do with this company and they do n't have a signed agreement of any kind with my name on it. 
If they can provide an agreement that I have physically signed my name on then I will believe it is valid. 
Until they provide verification of them owning an account/agreement that belongs to me, I would like them to stop contacting me. 
Today ... ... .... some random lady appeared at my door with court docs and disrespected my husband in front of our kids, simply because he said I was not home, at that point he refused the documents, then she repeatedly told him she would be back with police and a court order to posted them on our house. I 'm sure the documents were from this company. 
I want this to stop unless these people has a legit agreement with my signature. 
if this is n't resolved I will continue to take this further on and submit something to Attorney Generals Office as well as the Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
State: AZ
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:
My credit report shows no score or any debts anymore. Ive tried to reach out to the credit karma and XXXX, but to no avail. Everything just disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: LA
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:
Hello, My name is XXXX XXXX XXXX XXXX. 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. Im trying to get a new couch and these items wheny get me approved. 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 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