BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a XXXX debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called XXXX to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the XXXX representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( American Coradius International, LLC. ) with respect to amounts owed to XXXX relating to the fraudulently opened account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These debts from XXXX hospital are from XX/XX/XXXX and XX/XX/XXXX, I do n't understand why Capio put in my credit report that these accounts were opened in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18
Company: Maury Cobb, Attorney at Law, LLC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting phone calls from XXXX XXXX XXXX. I want them to stop. 

XXXX shows they areXXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX : XXXXXXXXXXXX : XXXX : XXXX : XXXX : XXXX? XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XX/XX/XXXX, my payment was lost. When I called customer service I was greeted by a nasty customer service respresentative who refused to help me. I then called the office XXXX, XXXX New Jersey, as Hesaa is a state agency. They told me that there was no one who oversaw the agency and no one to file a formal complaint with. They then transferred me to someone within the agency. I spoke XXXX and also emailed with them. Neither of them was responsive. At that point I made requests to have the notes on my account released to me. I have in writing that they would do this. This began XX/XX/XXXX. I did not receive the notes until I reached out to the Office XXXX XX/XX/XXXX. I was told XXXX, that I was not ignored, but I should be happy I received the information. I sent monthly emails XXXX with no response or limited response. He only responded to me once XXXX office told him that I had reached out to complain during her lunch break. I received an email from him a half hour after his lunch break. I also requested my records XX/XX/XXXX, which was documented in the notes provided to me by the XXXX of the Ombudsman. When I spoke with him on the phone he denied that I requested the information XX/XX/XXXX. The notes state that the information was sent to me, which is a lie. I never received any correspondence from Hesaa at that time. I also inquired why phone calls were missing from the notes. He stated that was all they had. The phone calls that were missing were when Hesaa made errors on my account. Hesaa has refused to provide in writing that they made any errors, even when they misapplied funds. They are also refusing to admit that my requests were ignored. They are unresponsive, unprofessional, disrespectful and lack common courtesy when dealing with the public. There is also an environment of cronyism. The Office XXXX is more in the business of covering up mistakes of its employees than investigating their wrong doing. In searching XXXX background he worked for a mortgage company, I do n't know that this qualifies him to be the Chief Compliance Officer for a State Agency for student loans. Also, the director of the agency is appointed XXXX. Is it a coincidence that the director went to the same XXXX school as the Chief Compliance Officer? Also how is there no one to file a complaint with against the agency in the state? Also, should n't the office XXXX be separate from the other staff? How is someone from the office XXXX XXXX XXXX mentioning my case to another staff member XXXX XXXX XXXX XXXX during lunch? Is this appropriate?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: American Credit Acceptance, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have sent multiple letters asking for copies of proof of the legal notices and proof of the commercially reasonable manner of resale of a vehicle that American Credit Acceptance is claiming to be repossessed. The first letter was sent on XXXX XXXX, XXXX. This letter was sent certified mail return receipt and I have proof of delivery. This letter was received by XXXX XXXX XXXX XXXX, XXXX. This letter was asking for copies of proof of the legal notices and the commercially reasonable manner of resale of the vehicle in question. 

Under the laws of the State of Georgia UCC XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I asked American Credit Acceptance to provide proof within 14 days from the receipt of this notice or the claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

There was no response from this letter. I then sent a follow up letter on XXXX XXXX, XXXX reminding American Credit Acceptance that they have failed to respond to my letter to them in a timely manner, and requested that the remove their entry on my credit reports ( XXXX, XXXX, and XXXX ) within the next 14 days of receiving my letter. 

I believe my request were reasonable and American Credit Acceptance has failed to respond in a timely manner. This is a fraudulent claim by American Credit Acceptance on my credit reports and American Credit Acceptance is now in violation of both the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A rental property manager and collection company for a landlord made collection attempts. A debt verification demand was sent and the collection company listed repairs done on property. A specific demand for receipts and invoices were repeatedly demanded and the collection company has failed to respond. Almost two years have passed and the derogatory credit reporting concerning this matter still remains on consumers credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
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: Information belongs to someone else

Complaint:
I did not authorize anyone employed by these companies to make any inquiry or view 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 non-monetary relief
Consumer complaint received 2015-05-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
As a result of of my complaint to your office with a complaint case number : XXXX, Chase did not fully comply to providing me all the credit it overcharged me nor did it provide me the reason while it reported me as a charged off account with discrepancy in what it stated I owed and the " Stated Charged Off Amount ''. as I was trying to work with Chase, while paying as agreed to get to a number that we can both agreed on until there was an impasse. Chase in XXXX then provided me with a XXXX with inaccurate number as a charged off amount, knowing that I must report it as income with the IRS. 

Unknowingly, I was not the only party that Chase had been playing with its account in the State of Florida. This information was brought to Court and I was named as part of the Plaintiff in the Class action suit brought by XXXX, et al. v. Chase USA, NA, with a case number XXXX. This case was finally settled by Chase rather than risking a full trial and Chase made a payment to all class members including me. As a result of the settlement, I informed all the XXXX credit credit reporting agencies that the derogatory information reported by Chase must be immediately removed from my credit file since no agency should reward fraudulent activity no matter how small, however, Chase refused to allow the reporting agencies to remove this derogatory information, which even without the class action lawsuit would have been inaccurate. It is as a result of this pressing and damaging issue that I approach your agency for a positive resolution since Chase has settled the case in a Court of Law and should no longer be rewarded to continually damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, I submitted a dispute via mail to a credit reporting agency regarding a debt that was recently deleted due to time of statutes, being placed back on my report by the original creditor. I verified that the First Reported Date and Date of Status were incorrect and being falsely reported, to include missing payment history that would verify the history of the debt. The debt was an auto loan that was charged-off in XXXX after it was repossessed in XXXX ; there was a past due balance that I was unable to completely payoff due to financial hardships, in which the account was sent to a collection agency, who attempted to collect the debt. The collection agency attempted to collect the debt after the debt had been removed from my report, and indicated in its correspondence on XXXX XXXX, XXXX, " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency ''. That was the last correspondence received, in which I never replied. When I checked my report in XXXX, I realized the original creditor ( not the collection agency ), placed the debt back on my report. I recently received what is supposed to be the results of my dispute, in which the credit reporting agency indicated changes related to the account are on the report, and can be identified by it being flagged as updated. My report was not changed, there was no flag to indicate the debt reported was updated, and they left everything exactly the way it was. In my dispute letter I requested verification of their investigation if the creditor attempted to indicate the debt was accurate, because I wanted to see what proof of what they supplied to indicate the false dates they were reporting. I also did not receive this from the credit agency. I am seeking for my report to display accurate information in accordance with the fair credit act and statutes of limitation on credit reporting and debt collection. 

Kindest Regards, 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 2016-10-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
We were trying to access Experian Free annual credit report online ( last accessed XXXX ). Error message states : " We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. Please try again in a few minutes. If the problem persists, contact customer support. Error Information XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX '' 2nd attempt about half an hour later resulted in " We were unable to honor your request ... '' and directed that we could provide this request with copy of driver 's license and utility bill at www.experian.com/upload. 
3rd attempt via upload link resulted in " We were unable to upload the below document ( s ) successfully. You may submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. '' So now, to get a " free ' credit report, I have to mail this, paying for certified service in order to get receipt information. 
Copies of documents attached. 
Thank you for your time & consideration.

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 2017-10-11
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: Account status incorrect

Complaint:
I Applied for a Credit Card with XXXX XXXX XXXX. I was approved for XXXX. I Called up and asked them why my credit line was so low. The rep told me that she would see if I was eligible for a higher limit. she told me I was not. I then declined the credit card. On my credit report, it says that i Opened and closed an account. I disputed with XXXX and Equifax as well as XXXX XXXX and was told that I closed the account. 

At no time did the XXXX XXXX rep inform me of my rights or tell me that asking for higher credit line would Trigger me opening the account as well as pulling my credit again. XXXX sent me a letter telling me that they could not delete the account which I believe is false. I never received a card and never made a single charge. I have also filed a complaint with the NYS Attorney General. My credit has gone down over 50 points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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 XXXX XXXX, and I am submitting this complaint to inform the Credit Bureuas that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XX/XX/XXXX 23. XXXX XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Nelnet has been my loan servicer for XXXX groups of Stafford loans that I took out between XX/XX/XXXX-XX/XX/XXXX to pay for medical school. I began paying on my loans XX/XX/XXXX on an income-based repayment plan, because I was counseled by Nelnet that my loans qualified for the public service loan forgiveness ( PSLF ) program and I work in the nonprofit sector of XXXX. I diligently made my payments for six years, renewed my IBR annually, and checked in with Nelnet 1-2x a year to ensure everything was on track. This year, after making 6.5years of payments, I submitted my paperwork to the federal goverment PSLF and was denied on the basis that my loans were not " Direct '' loans as Nelnet had claimed them to be. When I called Nelnet I was told, " The government must have made a mistake, your loans should be eligible. '' When I asked them to look further or talk to a supervisor, they realized that " For six years we had been telling you the wrong information, your loans do not qualify. '' The representative also said, " If you do n't like the answer that you get when you call Nelnet, you should call back and speak to someone else. There are many people here that will say anything to get you off the phone. '' Nelnet made an egregious mistake that will cost me hundred of thousands of dollars. Instead of having my loans resolved in the next 3-4 years ( PSLF requires 10 years of payments/employment ), I am at least 10 years away from having my loans qualify for the PSLF. I am a highly educated, motivated and pro-active person who is feeling the strains of student debt, and I can not imagine how many others that Nelnet has wrongfully counseled regarding incorrect eligibility for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
A local credit union XXXX XXXX, was offering 2.3 % on a five year CD. Who could pass this deal up? Went down to the grocery store where they have a cubicle to sign up. We had CD 's here in the past so they still had most of our personal information. Near the end of the Q & A signup process we were told that they need to check our credit even though we were former customers and were making a substantial deposit. So ok do it. Well we had placed a credit hold with Experian when our health insurer XXXX followed then by Experian, keeper of the XXXX information, were XXXX recently hacked. It does n't matter if you are a CD purchaser, no credit check, no new account. Back home again we lifted the security hold after paying Experian their {$10.00} ransom fee for doing so. It seems logical to me that when our data was compromised that the smart thing to do is place a hold on our credit. It is even more logical that if there are any charges for doing so the company or companies where your data was hacked should be financially responsible for everything. All we see happening is they lay off their liabilities to some " insuring '' agent who then says if your ID is stolen they will work with you to fix the problem. Gee thanks, but I think the company who allowed our information to be compromised should ultimately have total responsibility and should be subject to substantial Federally imposed penalties for allowing our information to be stolen in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is falsely reporting that I filed a Chapter XXXX bankruptcy and obstinately refusing to delete XXXX accounts from Bank of America that they are wrongfully reporting as discharged in a Chapter XXXX bankruptcy. This is damaging a mortgage application I have pending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Attn : Experian : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.

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 2017-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit reporting agency to still be listing this account.

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