BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Navient Solutions, LLC.
State: PA
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:
All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to XXXX and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 an account without my written consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called TransUnion and XXXX after I purchased a credit report with IdentityIQ on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to XXXX and TransUnion on XX/XX/23. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX : {$14000.00}

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 2022-11-04
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-07
Company: EQUIFAX, INC.
State: MA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : USDOE/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 15 U.S.C 1681 c. ( a ) ( S ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Exeter Finance Corp.
State: PA
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:
Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXXXXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 EXETER FIN - XX/XX/2017 XXXX XXXX - XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX and I have been Appointed as the Administrator for my Mom Estate by the XXXX XXXX XXXX. Please accept this complaint on behalf of my Deceased mom 's Estate, the Mortgagor. 

Background On, or around XX/XX/XXXX, I became aware that my mom 's home was in Foreclosure. I notified PennyMAC immediately that I am a Surviving HEIR of my Mom 's Estate. I faxed PennyMAC XXXX. ) A copy of my mom 's ( XXXX XXXX ) Death Certificate, 2. ) A copy of a XXXX XXXX XXXX XXXX XXXX that Identifies me as a Surviving daughter of my mom 's Estate and as the Special Administrator 2. ) A list of names of additional " next of kin '' who are Heirs to my mom 's estate as well. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PennyMAC 's Attorneys were served via Express Mail and Certified mail a Wrongful Foreclosure Notice with notification that I had filed complaints with FHA ( FHA Case No XXXX and FHA HUD Escalated Complaint No. XXXX ). 

PennyMACs Agent ( AP. ) was delivered via email a copy of a XXXX XXXX XXXX ( XXXX ) name me ( XXXX ) as the Administrator of the Estate. To date I have spoken with approximately ( 19 ) PennyMAC Agents, and PennyMAC has failed to be completely transparent regarding what additional documentation is required to name me as the Successor-In-Interest for my Mom 's Estate. 

Issues XXXX Foreclosure dates have been set to sell my mom 's home without allowing me a legal heir to be confirmed as the Successor-In-Interest of my mom 's estate. PennyMAC just delivered the TILA Disclosures, A copy of the Breach Notification, Loan Default information, Loss Mitigation, or any Account Reinstatement Remediation options, etc., on Friday, XXXX XXXX XXXX, after I had been requesting them for XXXX and a half months. 

I requested access to my mom 's online account after becoming approved Authorized Third Party. I was granted Access for less than ( 24 ) hours because a PennyMAC Supervisor by the name of XXXX revoked my access without cause and documented in the PennyMAC System for no one to give me back access to my mom 's account. I just received the TILA Disclosures, a copy of the Breach letter, Accounts in Foreclosure Notifications, Default Amount, Fees, Charges, and Loss Mitigation, etc. 


Motive for their Actions : My mom owes approximately $ XXXX on her property. The Estimated Value of my mom 's property is {$390000.00}. 

Thank you for allowing me to share this horrific experience! I am Praying that we will be able to reach a Mutually Satisfying Resolution. 


Very Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Allied Collection Services, Inc. (Nevada)
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:
Around XX/XX/XXXX, Allied Collection started reporting a retail collection, on behalf of XXXX XXXX, to my credit. According to the report, the account is from XX/XX/XXXX, yet this is the first I 've heard of it. I do n't know what XXXX XXXX is. I have never heard of that store, and certainly never shopped there. 

I tried to look it up online and all I found was a loan company with tons of complaints about fraud and operating without a license/illegally, etc. I 'm not sure if this is the same, since loans are n't retail, are they? 

Either way, the balance has somehow increased from {$300.00} to {$380.00}, which is also odd for an account that I did n't even know existed and has been closed for five years. I 'll be honest, the whole thing is suspicious, not least of which that I never got a bill or collection notice in five years.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: IL
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 reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX account # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-07-12
Company: SYNCHRONY FINANCIAL
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 have a late payment on my report with SYNCB/XXXX  account but it was the same month that i paid the account off and closed the account so i don ; t think its possible that i could have a late payment. But i recently had my credit pulled and i have a late payment that showed up. It is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company as well as call them to ask them to explain to me how this was late and the credit bureaus but have gotten nowhere. Anything you can do to help would be greatly appreciated.

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 2023-02-02
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I the consumer sent verification letter out specifically asking for information about the debt owed with my signature and receipts claiming that my debt is valid. But still never received anything from the collection agency Hauges Associates. 

First letter sent on XX/XX/ Received a letter from the bureau claiming debt was verified but no receipt or signature with my name on it. 

Sent a complaint to the XXXX on XX/XX/ From my knowledge The HIPAA law allows you to question your privacy while validating a medical debt and may also suspend reporting the collection item to your credit reports until it is resolved. 

Yet nothing was suspended or sent back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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: Account information incorrect

Complaint:
MY BALANCE INFORMATION IS INCORRECT ON MY XXXX  XXXX ACCOUNT ENDING IN XXXX AND XXXX XXXX  ACCOUNT ENDING IN XXXX. THIS ACCOUNT INFORMATION IS UNTIMELY AND INACCURATE. PLEASE UPDATE BOTH ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****Balance : {$380.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$270.00}

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 2022-10-07
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: Account status incorrect

Complaint:
My name is XXXX XXXX acct # see attachment The Credit reporting agencies and XXXX XXXX are claiming I have late payments and it is affecting my credit score and damaging my creditability. They are reporting 2 miss payments when I know i made those payments and have the statements from both of my banks to prove it. 

I reported this with the company and they reported it to the bureaus. please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MI
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered floor mats from a 3rd party on XXXX. I never received the floor mats but I was charged my credit card. I tried to contact the company I ordered from but they did not respond. I then contacted my credit card company to dispute. They said the merchant said I signed for it. I told them that was impossible. I work for a company that all overnights are signed by the receptionist as it is our procedure. Also, on the day they said I signed it, I was at our other location that day which would make it impossible for me to sign. All I was asking for was a credit for something I did not receive. I submitted the request 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Nelnet, Inc.
State: PA
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:
My account is set up for auto-payments monthly. The website states there are up to two day delays in auto-withdrawal for student loan payments. In my dashboard, there is no information about my XXXX withdrawal. It's as if it does not exist. The money has not been withdrawn from my account, though the website says my loans are in good standing and I have no payments due until XXXX. The accrued interest on the accounts has also not gone away with the alleged XXXX payment. 

Further, the website is useless and not user friendly. Customer support is needed for any changes to the account or payment plans, yet the customer service line on average has wait times of 30 minutes to 2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: FL
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX blance {$4600.00}, XXXX  XXXX etc. There are 12 of these accounts open. This letter is addressing all 12 accounts. U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following Items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation