BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
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:
this account XXXX XXXX XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

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 2023-07-02
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:
this account XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

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 2018-02-12
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 fraud alerts or security freezes

Complaint:
There is a fraud alert on my credit report with Experian that I did not request to be placed. Following complaint # XXXX through the CFPB, I sent Experian the requested documentation to prove my identity. They have not responded and the fraud alert is still on my credit report. 

This has stopped me from being able to open new accounts. Most recently, it hindered my process in obtaining a cell 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 2023-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address at XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX is not my address. i have never lived at that address

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 2023-04-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Disputed the accuracy of this account with credit bureaus multiple times to no help this account was placed in collections on XX/XX/XXXX it has been well past 7yrs account should have been removed from credit report account was updated in XXXX to reage the account which agency is illegal also reported a payment was made in XXXX of XXXX payment was never made please delete from credit report by default to accurately report item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended several for profit schools. Navient currently handles my private student loans in the tune of XXXX dollars. My private student loans should have been covered under the class action lawsuit brought against Navient for their illegal practices. 

The original loan balance was XXXX dollars and now it XXXX XXXX. Navient has proven to be a criminal enterprise that prays on peoples with these predatory loans. 

I was told that my loans did not qualify for forgiveness because I was in bankruptcy at the time of the lawsuit was in place making my loans current. Had I not filed for bankruptcy my loans would have been part of the discharge. 

Im hoping you can help resolve this issue and do the right thing and stop this criminal enterprise from further ruining my life as well as everyone elses life who are in the same situation. 

Please look into this and help with a resolution. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am filing a complaint against Sallie Mae for what I believe to be an unjust termination of a reduced payment plan agreement and for not providing full disclosure regarding the limitations on the number of reduced payment plans available to a borrower over the lifetime of their loan. 

Details of the Complaint : Agreement Breach : I entered into a reduced payment plan with Sallie Mae, which was supposed to last for XXXX years after making XXXX qualifying monthly payments. 
I made the first qualifying payment as verified by my bank statements. 
Despite this, I received a notice from Sallie Mae the following day stating that I was removed from the payment plan for failing to make the first payment, which is factually incorrect. The payment was authorized on the day of the agreement was signed ( XX/XX/XXXX ) and the payment was cleared within XXXX hours. 

Misrepresentation and Lack of Disclosure : Upon contacting Sallie Mae, I was informed for the first time that a borrower is only entitled to two reduced payment plans over the lifetime of their loan.

This limitation was never disclosed to me at any point during my loan agreement or while setting up this recent payment plan. 
The lack of disclosure and subsequent use of this undisclosed policy to terminate my payment plan constitutes misrepresentation. 

Impact : This unexpected cancellation of the payment plan has caused financial distress and uncertainty regarding my loan repayment strategy. 
The misinformation and sudden policy enforcement have also led to a lack of trust in the loan servicing processes of Sallie Mae.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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:
( Wakefield ) balances : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. 
15 medical bills in total and I can only account for two times iv been to the hospital. Also they have the name spelled as XXXX XXXX and XXXX XXXX in over half of these medical bills not to mention there addresses listed that XXXX never lived at. To my knowledge hospitals or places of that sort are not supposed to report anything under the hepa law. These are all listed on my credit score and XXXX tried contacting these places to tell them it wasn't me and I get no help XXXX also tried filing disputes through experience with no resolve. 
( XXXX XXXXXXXX XXXX dates and balances : XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 
These are also medical balances with the same issue.. this isn't me and without being able to prove that how are you reporting it on my credit history not to mention they shouldn't even be reporting medical history to any agencies of this sort without some kinda permission from said person due to things like this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: Westlake Services, LLC
State: FL
Product: Credit reporting 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:
On XX/XX/XXXX  I received an alert of a new inquiry on my XXXX credit report. I contacted XXXX and let them know that I had not authorized an inquiry on my credit report and that when the inquiry took place ( XX/XX/XXXX  ) I was on a cruise ( XX/XX/XXXX  - XX/XX/XXXX  ). XXXX told me they could not remove anything from my Credit Report and that I should contact the Creditor to have them reverse/correct the inquiry. The only other way would be with a report of identity theft/fraud from the FTC. 
XXXX provided me the contact information of the creditor available to them ... Westlake Service Inc XXXX. The date of the inquiry was XX/XX/. 
I contacted the company by phone. The person I spoke with told me their Credit Inquiry Dispute department did not speak to anyone on the phone and I would need to send them an email to XXXX which I did. After several back and forth communications and me providing all the information available to me they said : " Your inquiry # XXXX has been updated. 
Unfortunately, after researching our systems, Westlake Financial was unable to find the inquiry. Please provide more information or a snippet of our inquiry for further assistance. '' I contacted the FTC at the number provided through Identitytheft.gov and the person I spoke with said they couldn't open a report unless an account was successfully opened. I contacted XXXX again and the person I spoke with said they have had people get reports for the same inquiry problem from the FTC through reportfraud.ftc.gov. That is where I have submitted this request.

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 2022-09-08
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: Their investigation did not fix an error on your report

Complaint:
Please be advised that as of today, I have not received any response from your organization regarding my disputes with the accounts listed below. These accounts are still being reported inaccurately. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Numerous Follow up letters were sent and still went unanswered. 

Experian in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: EQUIFAX, 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:
**This issue needs to be expedited due to the faulty work of an Equifax employee** This issue was originally disputed with Equifax under confirmation number XXXX and the subject account XXXX XXXX XXXX was updated to reflect XXXX  balance and paid in full on XX/XX/2019. 

On, XX/XX/2019, Equifax initiates confirmation number XXXX with the same above account information and changes it to a balance of {$1000.00} and a collection account. 

The balance is XXXX, it NEVER was a collection account. Both XXXX  and XXXX   processed the dispute properly as a paid in full account with a XXXX  balance. 

Of course, as expected Equifax did not process this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from XXXX, XXXX, or Experian about this account, and my credit report does not say that this account is in dispute either.

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 2022-09-08
Company: Experian Information Solutions Inc.
State: RI
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 # 's below have 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 In accordance with the Fair Credit Reporting act Convergent Account # 's : 1 ) XXXX XXXX XXXX XXXX acct # XXXX  XXXX Reported Balance {$420.00} 2 ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$220.00} 3 ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$2900.00} 4 ) US DEPT OF EDXXXXI Account Number XXXX XXXX Reported Balance {$26000.00} 5 ) US DEPT OF EDXXXXI Account Number XXXX XXXX Reported Balance {$34000.00} 6 ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 7 ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 8 ) XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 9 ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 10 ) XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 11 ) XXXXXXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 12 ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$0.00} 13 ) XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Reported Balance {$0.00} 14 ) AES/PNC EDUCATION LOAN CENTER Account Number XXXX XXXX Reported Balance {$0.00} 15 ) XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 16 ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX {$0.00} 17 ) XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$2000.00} 18 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 19 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 20 ) XXXX  Account Number XXXX XXXX Reported Balance {$0.00} 21 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 22 ) XXXX Account Number XXXX XXXX Reported Balance {$0.00} 23 ) XXXX XXXX Account Number XXXX XXXX Amount {$1800.00} 24 ) XXXX XXXX Account Number XXXX  XXXX Amount {$3200.00} 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 non-monetary relief
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: GA
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 is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. I am constantly being violated. I am suffering from mental anguish, and my reputation is being ruin by this. I am constantly being denied things. I have made complaints. I have disputed transactions. I have sent certified mail to the CRA 's. The CRA 's are saying they haven't gotten anything in the mail, or complaints. Per XXXX XXXX XXXX at Equifax XXXX These companies do what they want to do. This is my life. I also did a complaint with the CFPB and FTC for identity theft. They are required to do what I am asking and block and delete these transactions from my consumer report in four days from the date of the receipt of the notice.

15 USC1681 15 USC 1692B ( C ) 15 USC 1611 15 USC 1681 15 USC 1681C ( 2 ) 15 USC 1602 15 USC 6801 31 USC 3729-3733 Per the USC codes above I'm being violated. I demand that this stops immediately. 
Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account was paid in full on XX/XX/2019 and still showing on my credit report with an amount. The accounts are showing up twice on my credit report. Also, my income taxes was taken twice by this company. Second time I call and had to wait for them to send my check back to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2018-02-09
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get a payoff amount from my mortgage company for 2 weeks. My mortgage officer has submitted a request. My Title company has requested this 2 times. Each time the rep at Freedom Mortgage states that they are sending the payoff with per diem. The company has not complied with this request despite numerous contact encountered.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
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 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 2023-12-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

CREDIT COLLECTION SERVIC ( Original Creditor Name XXXX XXXXXXXX XXXX ) XXXX CREDIT COLLECTION SERVIC ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX  ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
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'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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: CA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation