BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Subject : Request to Remove Student Loans from Consumer Reports Dear XXXX XXXX XXXX XXXX and Navient , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX. 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All this information need to be updated correctly. 
Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - Employers : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I should only have one name same as it appears on my drivers license or social security card no other names abbreviations etc. only one address Which is XXXX XXXX XXXX XXXX no work employment should be on my report I dont work for anybody thats 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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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

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 2020-02-20
Company: AES/PHEAA
State: MD
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:
I was working with XXXX XXXX XXXX XXXX since XX/XX/XXXX. They promised me I would not have to pay anything towards my loans and within 240 months my loans would be forgiven via the Revised Pay as You Earn ( REPAYE ). for my student loan payments if I paid them {$790.00} up front and {$39.00} a month for their services. They took payments from me until XX/XX/XXXX totaling about {$1400.00}. My credit score plummeted by 48 points in regards to my student loan on XX/XX/XXXX. So I reached out to the company to not get any response or help with figuring out what was going on with my loan and credit score. I then received an email from XXXX saying that there was a lawsuit with the federal trade commission and XXXX XXXX XXXX XXXX for charging inappropriate fees. I immediately called my loan servicer to make sure everything was okay with my loan, and then ensured that XXXX could no longer take payments from me by calling my bank account. Since then I have received a couple of emails of them still trying to take these payments out of my account, but were unsuccessful because of my bank being notified not to allow them too. I have print outs of everything regarding this incident if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX Balance Owed : {$1400.00}.

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 explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint regarding a dispute I have with Equifax regarding incorrect information on my credit report. On XX/XX/XXXX, I initially contacted Equifax concerning the following inaccurate information on my credit report. As of the date of this letter, I have not received any response from Equifax regarding this matter. Here are the details of the erroneous information and the requested corrections : Account Information : Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$25000.00} I want to emphasize that this account does not belong to me, and I hereby request that Equifax remove it from my credit report as per the Fair Credit Reporting Act ( FCRA ) guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: OH
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 contacted the company and it was incorrect and they were supposed to remove this from my credit report, I do n't understand why it 's still on there, how can we get this taken care of. 
Thank You,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report information have been disclosed without my written permission and without permissible cause. I will be moving forward with a law suit in the New York United Staes court.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIAN failed to comply with 15 U.S.C. 1681b ; the company is STILL refusing to remove ALL requested items of inaccurate information from my consumer report over the phone.

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 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
in XXXX of XXXX bank of American sent my card to the wrong address and somebody was able to steal my money, they did this 2 times in a row. 
my account was locked for 18 months and in XX/XX/XXXX i was finally able to unlock it and file a claim for the money stolen and i was able to request a new card. 2 weeks later after calling everyday and being instructed to wait and wait some more being denied another card, after this my account was locked again. my claim was denied because it took too long for me to file the claim " although they would not allow me to file until my card was unlocked '' but my claim was denied. i had around XXXX on my card. now in XX/XX/XXXX they refuse to close my account, issue me a check, refuse to allow me to file a claim for my missing funds, refuse to send me a new card. they wont do nothing and im stuck in a hard ship for 18 months now because of this. also they keep sending me letters in the mail and emails to my email account requesting that i call in to take care of the block that is on my account. when i call they say other wise. when i ask them in writing, and email also over the phone to stop sending me these letters and emails, the refuse to help me.

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 2022-10-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote three certified letters and sent them out on the XXXX/XXXX/2022, to Equifax, XXXX and XXXX with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. Equifax which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem.

How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
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.

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX 10. XXXX XXXX Account XXXX : XXXX 11. XXXX XXXX XXXX Account Number : XXXX 12.XXXX XXXX XXXX Account Number : XXXX 13. XXXX XXXX Account XXXX : XXXX 14. XXXX XXXX XXXX XXXX Account Number : XXXX 15. XXXX XXXX XXXX XXXX Account Number : XXXX 16. XXXX 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 instruction 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 2017-11-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1 - I mailed a payoff request letter on XX/XX/XXXX Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
2 - I requested a payoff via the vendor 's email account on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
3 - I requested a payoff via the vendor website on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.

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 2023-05-27
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Greetings, I am on long term XXXX receiving {$13000.00} monthly income thats non-taxable ; XXXX credit scores and have sufficient equity in my home. I requested an equity loan from them, asked that they pay creditors directly. 

Was told that I wasnt qualified the second time because my owning a business that took a financial loss that took my XXXX over 49 %. 

My accountant provided Discover Home Loan with information that Im no longer affiliated with the business thats now profitable. Additionally I provided time stamped communication between myself and the other person thats the owner where I bequeathed my ownership interest thats time stamped. 

When I last spoke to Discover XX/XX/23 I was told if I was able to provide signed proof from my account of the changes that Id be qualified as Im well under 32 % DTI. I have jumped through numerous hoops, havent received return calls/communications and am independently guided differently each time. I dont believe theyre taking the time to read, are not well versed in individuals receiving-disability thats at the amount that I have, nor are they interested in advocacy for applicants. This has been a waste of my time to this point. I know Im capable of repayment. Documentation has been provided directly from attorney dispersing trust proceeds to me as well as accountant. If this had no chance of approval I wouldnt have gone through this process twice, nor would I have solicited time of law firm nor accounting firm. 

I have spoken to countless employees that truly follow through. Its to the place of being quite discriminatory in nature. 
Ive provided exhaustive information and its not even being reviewed. The illustrative information isnt being documented nor conveyed. 
I havent received follow up. 

An acceptable solution at this juncture is my equity loan approval at the lowest rate. If there were any problems I should have had this information conveyed long before earlier this week because I called. 

If I dont receive follow up I am reporting this issue to housing, lending authorities as well as ADA advocacy organizations. 

This is complete inappropriate treatment, handling and anything but professional. 

Thank you in advance for your timely attention to this matter. 
I need to speak with the executive committee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
At XXXX on XX/XX/XXXX. I called Equifax to dispute 5 Hard Inquiries reporting on my Credit report. And had spoken with someone from the dispute department named XXXX. 
Who said she sent out to the 5 Creditors notices of the reporting of the inquiries. Then once I told her I'm in the process of writing a complaint. She told me that I needed to file a police report. And that I needed to contact these creditors ( the burden of proof is the on reporting agency ).

I've been going back and forth about these 5 Hard Inquiries for months.

The places that are reporting the 5 Hard Inquiries. NEVER RESPOND BACK TO THE CREDIT BUREAUS. AND OR ME.

UNLESS IT'S IN THE FORM OF A LETTER STATING : " WE DO NOT HAVE YOUR INFORMATION ON FILE. PLEASE CONTACT US. '' Of which is obvious. Of course they don't have my information. Because I never applied for their services.

The 5 Hard Inquiries DO NOT HAVE THE FOLLOWING : 1. A SIGNATURE, 2. ANY ACCOUNTS ATTACHED, 3. PROOF OF VERIFICATION THAT I MADE ; AND OR, AUTHORIZED SUCH A HARD INQUIRY, AND 4. RELEVANTS TO ME. 
But yet still are reporting negatively on my credit report. 
XXXX gave me a confirmation number : XXXX. In regards to what she said she's done. 
Then at XXXX, I had spoke XXXX  ( the supervisor of dispute department ) Of which led to nothing happening. 
Be Advised : my Credit Report from Equifax will show past Hard Inquiries being deleted. Without all these extra steps they're putting me through now. 
XXXX also stated that she only had seen 5 Hard Inquiries ; period. In an attempt to cover up that Equifax had already deleted Inquiries in the past.

These 5 Hard Inquiries need to be removed : XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX Please refer back to the dates and phone call with Equifax. Because it clearly illustrates both representatives from Equifax lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of XXXX my mortgage was transferred from my previous lender to the new lender Fifth Third Bank. My previous lender sent me numerous emails and letters explaining what was going to happen and I thought nothing of it, Ive had my mortgage transferred before so no big deal. On XX/XX/XXXX the mortgage was officially transferred, and on that day I got a letter from my previous lender that they are officially no longer the people I send money to, and they automatic payments have been stopped and that the new company Fifth Third Bank will take over and send the info shortly. I waited a week and still got nothing then on XX/XX/XXXX I got my new mortgage statement for XX/XX/XXXX from Fifth Third Bank, already 9 days late telling me how much I owe, which is this month and for XXXX which is weird but fine I can pay that no issue. They tell me to go online or call, so I go in their website and try to make an account but I cant it keeps telling me to either go to a branch or call. So I try this for a few days until about XX/XX/XXXX where I say fine maybe I can go to a branch then and I can get sorted. Well turns out Fifth Third Bank doesnt have a branch in Rhode Island XXXX or any in XXXX XXXX for that matter so I figured fine I will call. Every single week day from the 18th to today XX/XX/XXXX I have tried to create an online account to no avail, and I have called them every week day thrice a day to get in contact with someone who can help me, but after 5 mins of hold I get told to leave a message which I did but still no response. Now I still currently owe XXXX $ for my two months of payments they want and I still cant pay them even while I have the money to do so because they are impossible for me to get in contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed my phone bill debt with XXXX XXXX for XXXX XXXX i spoke to someone on the phone with jefferson capital systems XXXX XXXX XXXX XXXX XXXX, MN XXXX about a debt from XX/XX/2018 but she resolved it over the phone & on credit karma its not showing but on other bureaus it is.

Company response to consumer: Closed with explanation