BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-29
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I entered into the Term Rate Modification program at Sallie Mae in XX/XX/2018. This was done over the phone with a loan modification representative. I gave all of my financial information ( current income, personal expenses, checking account balance ), as well as my mother 's information. She is my co-signer and has been helping me make payments until I find a job. We were told by the representative that my monthly payments would be lowered to {$300.00} per month, to be allocated to two loans, # XXXX and # XXXX. This payment plan requires three " good faith '' payments before official enrollment. I was told I would continue to receive notices of delinquency until all three payments were made, and the representative told me to ignore them. These payments were made on time, automatically taken from my mother 's checking account, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In early XX/XX/XXXX, I received a letter of delinquency that threatened negative consequences to mine and my mother 's credit score. I called Sallie Mae right away and was told again that I should disregard all communications from the company about my loans being delinquent. The representative assured me that the delinquency would not be reported to credit agencies as long as all three good faith payments were made. I was called again on XX/XX/XXXX by XXXX XXXX ( XXXX ) at Sallie Mae to inform me that my payment plan was now invalid. After calling back, I was unable to reach this person and spoke to a resolution specialist named XXXX, who assured me Sallie Mae had made a mistake in not validating my payment plan, because every good faith payment was made on time. This person once again assured me this would be fixed, the payment plan would go through, and that my credit would absolutely not be affected. Today ( XX/XX/XXXX ) I checked my credit score and Sallie Mae has reported two instances of serious delinquency in my credit history in the last two months. This has greatly affected my credit score, which is now in the 560 range. 

Going through my online correspondence, the only written record Sallie Mae has provided of me entering into this payment plan was sent to me only days ago, on XX/XX/XXXX. Quite conveniently, this letter states that my credit can be affected during the good faith period. This contradicts everything I have been told, on multiple occasions, by Sallie Mae representatives. I understand from speaking with them on the phone that every call I have made about this is noted in my account file and calls are recorded. I made the huge mistake of believing them when they repeatedly lied to me about reporting to credit agencies, so I did not keep my own records and now have no proof that these communications happened other than what is in my file at Sallie Mae, and the letter I received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX  XXXXAccount number XXXX XXXX XXXX/ Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a 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 instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2022-05-05
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately XXXX 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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently filed a complaint with CFPB about my name being incorrect and false accounts on my credit report. My complaint was labeled resolved but I noticed a few issues still unresolved. The 3 bureaus asked me to mail out a copy of my id and lease agreement in a attempt to pertrey a resolution attempt. My issues is I have mailed the request 3 times. It's also a XXXX charge off on my account for a car that was never in my position it was in my ex-girlfriend 's name XXXX XXXX. XXXX placed this vehicle on my account after resaling it and without giving me a change to take over the vehicle. The XXXX was never in my possession or never was I given a chance to take ownership but it's reported on my credit as if I had it. The car was quickly resold without letting me know and as I stated before I never had ownership. After my first complaint XXXX  still continue to have a incorrect name on 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 explanation
Consumer complaint received 2023-07-30
Company: ClearPath Lending
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sending me false and threatening letters. This is the XXXX time. They ask that I immediately call them XXXX XXXX. Clear Path Lending.The letter states in the upper right say disbursement amount {$30000.00}, First payment XXXX XXXX. No such loan was made!! And to call them immediately at 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 2023-06-05
Company: Experian Information Solutions Inc.
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:
Hello I contacted this company XXXX XXXX  about equipment finance I was promised that will be under a company name, not my personal name I didn't get the equipment the vendor said he didn't have it I had to go somewhere else and buy but 2 days later I get a notification that my personal credit reflected a loan for XXXX to a company called time payment the contract was signed Thursday I notified XXXX XXXX that I didn't produce on Friday I sent her an email to terminate my contract and notified time payment I tried calling time payment to notify them but was on hold for 45 min then told to leave a message and just now they tried to deliver half of the product on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
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 have a bankruptcy that is reporting on my report. It is a chapter XX/XX/XXXX that by law and the credit reporting companies on statements is supposed to be removed after 7 years. 
I filed the bankruptcy in XXXX, it was confirmed in XXXX and we completed the plan in XXXX. The seven year mark was in XXXX of XXXX. 

We have requested that all three major credit bureaus remove the data, per law and their own statements, but they will not do it. Its is still showing at all three major bureaus and we feel we need help to get it removed. 

I have requested removal on XX/XX/XXXX and again, after being denied on XX/XX/XXXX with no response. 

We received our final order and release on XX/XX/XXXX. ( copy attached ) So it has now been

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 2020-04-07
Company: Debt Recovery Solutions, LLC
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:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). 
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 we unknowingly transferred {$4500.00} to an impersonator who was imitating the company we are working with to restore our home after we experienced a category 3 flood. Funds were transferred via ACH to their XXXX XXXX Account ending in XXXX. The scammers utilized the signature block of the person we had been dealing with from the legitimate company. Later that same day, we called the company to inform them that the payment had been made and they informed us that they had been hacked and a few of their other customers had fallen victims to these scammers. They then sent an email to all their customers to inform the if the issue. We called our bank, USAA, the same day to report the fraud and asked for the transfer to be canceled our reversed. On XX/XX/XXXX, they informed us that they were not going to take action because they " determined the transaction was processed as requested. '' While this is accurate, this is exactly how scammers get away with this because they convince unsuspecting people to initiate these transfers that are then " processed as requested. '' Request assistance in getting USAA to get our money back as this money is supposed to be used for restoring our home to a livable condition. 

Note : I was not able to upload the entire email string due to the PDF exceeding the 10MB limit ( it's 11.52 MB ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Freedom Mortgage did not disclose their Partial Payment Policy in compliance with the Truth In Lending Act. As can be seen on page 4 of the attached mortgage, the Partial Payment Policy is highlighted. They included their Partial Payment Policy, but it was under the wrong heading. The Truth In Lending Act requires the Partial Payment Policy to be included under its own heading of " Partial Payment '' rather than included in in the general " Payment of Principal, Interest, Escrow Items, Prepayment Charges and Late Charges. '' This is a violation of the Truth In Lending Act. Had the necessary disclosures been made in accordance with the regulations, there would be no issue with the way this is reported. A mortgage servicing company 's Partial Payment Policy is important enough that it should be called out under its own heading, ensuring that consumers are aware of how partial payments will be applied and how it will affect the reporting of data to their credit reports.

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 2023-07-22
Company: Experian Information Solutions Inc.
State: AL
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:
Account has been reported at closed for the XXXX billing cycle ending XX/XX/XXXX. Per the attached communication the process was stop and reversed on XX/XX/XXXX. XXXX XXXX still reported the account as closed which is incorrect.

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 2023-07-22
Company: Experian Information Solutions Inc.
State: OH
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:
Been disputing and no resolution please remove all negative feedback

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Attached is evidence of wrongful furnishing of information on my consumer 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 2023-06-05
Company: Experian Information Solutions 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 XXXX  account # XXXX, XXXX, XXXX, XXXX, has violanted my rights. 

15 US 1681 Section 602 states I have a right to privacy.

15 US 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 US 1666B : A Creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Ocwen Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
my mortgage co reporting an error of reporting 30 days late for XX/XX/2017 payment which never happened and the payment was made on time but XXXX/ mortgage co did not correct the error after several reminders. 

mortgage co is : OCWEN LOAN SERVICING LLC LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
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: Their investigation did not fix an error on your report

Complaint:
my mortgage co reporting an error of reporting 30 days late for XX/XX/2017 payment which never happened and the payment was made on time but equifax/ mortgage co did not correct the error after several reminders. 

mortgage co is : XXXX XXXX XXXX XXXX LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: SECURITY FINANCE CORP
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 continental credit call my parents home number and left a detail information for me to call. Please understand the same day she ( XXXX ) had called my cell phone and left a voicemail I called Continental Credit spoke with XXXX explaining there is no need to call my references when she had a working number for me. She asked does that mean she cant call any of my references. I answered yes. Also I explained u can not leave a voicemail giving details of the debt to my parents

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 2022-05-05
Company: Experian Information Solutions 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:
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 explanation