BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recently graduated from college my student loans are now through Navient. My partner, XXXX XXXX has student loans through Navient and I am not associated with his loans and am not a contact he would have given Navient. I am assuming that because we live in the same house they have started contacting me to try and reach him. On XX/XX/23 at XXXX XXXX  ( PST ) I received a call from a XXXX XXXX saying : " has me listed as a possible contact for XXXX XXXX and I'm trying to get a message out to XXXX but don't seem to have a working number so I was contacting you in the hopes that you might have an updated number or possibly a suggestion on how to get a message to XXXX. '' XXXX has talked with Navient in the last two weeks, they know they have his updated contact information, they have made notes on his account. The information that this man XXXX XXXX left on my voicemail is false. I reached out to Navient and was told by the woman I spoke with that when they can't reach someone they will try to contact the other people listed as family. I am not listed as family on XXXXXXXX XXXX account, and told them not to contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage was sold to Shellpoint Mortgage 5 months ago from XXXX XXXX. 
My husband and I completed a loan modification with XXXX prior to the transfer. 

Shellpoint currently has outdated information reflected on our account they claim we owe over six thousand dollars in missed payments which is inaccurate. Before our mortgage was transferred over from XXXX our loan balance was XXXX and our account was up to date and current. Shellpoint mortgaging is reflecting an inaccurate mortgage balance of XXXX and over 6,000 of  missed payments and late charges. 

I have sent over the documentation proving our loan modification and a Shellpoint Representative verified the information was received. A Shellpoint Rep also verified the official copy of our loan modification was sent over by XXXX but our account has not been updated. According to Shellpoint it will not be updated until we sign a new loan modification from Shellpoint. The  representative told me If we don't agree to sign the modification we will be forced to pay the XXXX of  back payments that should not even exist because we never missed payments!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had/have accounts with Comenity Bank for years. These accounts have been closed for a couple of years and I have been paying off the debt. Earlier in this year I noticed the accounts were reopened and stated that I had available usage which has affected my credit. Anytime that I apply for anything it shows that these accounts are opened. I learned that Comenity Bank updated their system and the accounts reopened. The accounts that I am referring to are ( Victoria Secret, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wayfair, XXXX XXXX XXXX XXXX XXXX. ) I do not want them to stop communicating with me but I want them to update my credit report immediately. I have filed disputes with the credit bureau and I have also contacted Comenity and nothing has worked. I want it fixed immediately because it is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccurate information to Experian and the following accounts came back verified but still show inaccurate information. XXXX {$3600.00}. Historical payment data is still inaccurate after investigation was completed. Still showing a past due balance, account was charged off/ should reflect XXXX. XXXX {$4100.00} historical data is incomplete and inaccurate even after investigation was completed. Showing a past due balance. Account was charged off. Balance should be XXXX. XXXX {$9600.00} Account is still inaccurate after investigation was complete. Historical data is incomplete and inaccurate. Past due balance is inaccurate.XXXX  {$10000.00} was investigated and account is still inaccurate. Responsibility is inaccurate after investigation completed. Authorized user.Past due balance is inaccurate.XXXX  {$5900.00} Account was investigated and is still showing inaccurate information. Past due balance. Account was charged off. XXXX {$10000.00} Account was investigated and still showing inaccurate information. Past due balance. Account was charged off.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/2022 Upon accessing my credit report to check on my score before applying for a new apartment I was shocked to find accounts and addresses that didnt belong to me. My initial response was to contact the original creditors, and submit an FTC to said bureaus and clear my report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit and qualify for my own apartment for an undisclosed amount of time. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. These bureaus were denying federal law and I had to pay the price of Experian, XXXX XXXX XXXX delinquency. 

There was over XXXX in collection debt, XXXX addresses that were being reported and closed accounts that were repeatedly being reported as past due and miss pays.

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 2020-07-31
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-02
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
For an accreditation report, I needed to have a credit score done. It provided a link to Transunion, where I received my FREE credit report ( and it was advertised that way ). You can go to their website and see where they advertise FREE ANNUAL CREDIT REPORT at https : //www.transunion.com/get-credit-report. 

In addition, the XXXX webpage it sends you to states : " FREE Credit Reports. Federal law allows you to : Get a free copy of your credit report every 12 months from each credit reporting company. 
Ensure that the information on all of your credit reports is correct and up to date. '' I never signed up for the credit monitoring service I was thereafter charged for, nor did the credit check inform me that I would be charged for this. I just realized on my credit card statement that I have been being charged $ XXXX since XXXX of 2021. I never signed up for a credit monitoring service, I never was told I would be charged for one, and I never used any such service. I want a full refund, this is deceptive business practices if not fraudulent.

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 monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 did an investigation into my credit report which really saddened me and caused sever XXXX upon me and found many inaccurate and very questionable items that your agency should have made sure were reporting 100 % right and accurate. 

the fair credit reporting act clearly states that every thing must be 100 % accurate and there should be no inconsistencies throughout the three credit agencies and under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ) these accounts are in violation of not reporting accurate ...... 
account name : XXXX XXXX account number : XXXX ... .... 

account name XXXX account number : XXXX ... .... 

account name : XXXX XXXX XXXX  XXXX account number : XXXX ...... 

account name : XXXX  XXXX account number : XXXX ... .... 

account name : XXXX XXXX XXXX account number : xxxxx ...... 

account name : XXXX XXXX XXXX account XXXX ...... 

account name : XXXX account XXXX ... ..... 
i have already disputed these items to no avail i have the tracking numbers also enclosed and a highlighted copy of my credit report showing all inconsistencies that the credit agencies ignored i want to know how these accounts were validated if no one called any family friends or employment for verification as is the law i want all records of said verification or deletion of these account i gave no one written permission to anyone to add any thing to 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 2022-05-20
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:
Ive try several times to fix this issue and to no avail nothing happens. I will disclose the last letter that was sent to the agency. also please be aware that I am the one writing this letter. there is no 3rd party involved. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

has violated my rights. Or list of inquiries 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 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 2022-10-02
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX, and XXXX, Account # XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: CA
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:
The company XXXX XXXX, previously reported to the three major bureaus that I had a bankruptcy on my credit report, and that was in fact incorrect. They have been reporting this info on my credit, and it has prevented me from opening accounts. I asked the bankruptcy court if they released information stating I filed a bankruptcy and they denied that, which i attached the letter. 

I reached out to XXXX XXXX and they also removed the information related to a bankruptcy of my report as well. I also attached that letter ( s ) stating this information as well. 


I do not know why this information is still on my 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 2020-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 was vitim of identity theft. my Capital one Credit card was stolen from mail and used at a store during COVID 19 lockdown XXXX XXXX when I found out, I contacted Capital one immediately and disputed the charges. {$3400.00} initially they accepted that but then they rejected since whoever stole my card had the actual card and used it as a chip card. I have a police report aswell, and I was able to identify the fraud people, but Capital one still bills me for the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXXAccount number XXXX. XX/XX/2022. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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:
I have asked Experian, XXXX, and XXXX to show proof of how they continuously verified these accounts showing up under my social security, and they have yet to show proof and/or remove those accounts from my credit profile, I have disputed these account for the past XXXX, asking each credit reporting agency to provide proof of how they verifed these account, and show proper documentation. Accounts below : XXXX XXXX  XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX ( {$20000.00} ) Account Number XXXX XXXX XXXX ( {$8500.00} ) XXXX XXXX XXXX ( {$0.00} ) XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 F

air Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 | USC 1681. | 15 U.S.C 1681 section 602 A. Stales 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation