BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX I called Navient to reapply for my Rate Reduction program. I began the program in XXXX. I would call yearly to give my financial statement and they would admit me back in. XX/XX/XXXX they told me my program was going from a 1 year to a Six month plan, so I needed to call every 6 months with my new financials. I called in XX/XX/XXXX with my financials and they readmitted me in. Come XX/XX/XXXX, I did not receive the normal email reminding me to re apply for my program. It has slipped my mind without the normal reminder and they ended up charging me {$1300.00} for the month of XX/XX/XXXX. I called and they gladly refunded my money because they made the mistake of not reminding me. They asked me to call back in XXXX before my next payment to reapply for the program. I called XX/XX/XXXX at XXXX and gave all my financials that I had given previously. Nothing had changed from XX/XX/XXXX. They woman on the phone told me that everything is exactly the same as it was in XXXX but unfortunately they can not accept my enrollment at this time. I asked why? if everything is the same. The response I received was : " We just plug the numbers into the system and due to the system update, they did not accept you, unfortunately this is something we can not override. '' I asked to speak to a manager and she told me that even if I did it would mean nothing, its what the computer generates. My monthly payment had jumped {$600.00}. I told her I can not afford that, and she said to try again next month and maybe the computer will accept me then, and to keep trying every month. If they have a program that requires your financials to meet a certain percentage then why is a computer making the decision that is exactly the same as it was 6 months ago when I was approved?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is showing a collection on my credit report which has a original balance & past due balance showing which is going against consumer credit report Also showing activity on the account after the account has been in collections and reporting inaccurate information to the credit bureaus Also reporting dates are inaccurate and 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to XXXX or more consumer reporting agencies about the person 's transactions or experiences with any consumer

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 2022-02-11
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-12-06
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
In mid XX/XX/2023 I submitted an initial request to Freedom Mortgage to have my VA home loan assumed by my spouse who is also eligible for a VA home loan. The company did not respond and I called on XX/XX/XXXX at which point I was advised that I had incorrectly filled out the form. The company would not have told me otherwise. 
On XX/XX/XXXX I resubmitted the form and when I called on the XXXX, was told it had been submitted correctly but it was not processed or added to their que until the XXXX of XXXX. After that I called them numerous times to follow up but each time was told that I had to wait. On Wednesday XX/XX/XXXX, I missed a call from the company and immediately called back. But they have a policy, we'll call you, don't call us. I was advised that I was put back on the 'call back ' list but would have to wait. On XX/XX/XXXX I finally received a call from them. They said they would schedule for a loan adviser to call me on XX/XX/XXXX at XXXX so I now waited for this call. To discuss my spouses finances and mine. But of course, XXXX has come and gone and I have not received a phone call from Freedom Mortgage or anyone that works for them. It has been three months and my family can not move forward until this process is complete. I have searched for other way to accomplish our goals and unfortunately we are dependent on Freedom Mortgage to do their job. This company has been unresponsive and unhelpful and in fact harmful to its veteran clientele. I have also called the VA home loan department which reached out to FMC regarding my case but with no results.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent a letter to the United States XXXX Court asking do they report bankruptcies to anyone. Therefore, how did the credit bureaus edify my bankruptcy as 100 percent accurate if this is the case? They never conducted a fair investigation according to the United States Code 15 USC 1681.

Code Compliance 15 USC 1681, section ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion ; thereof : in which ; information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However ; such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

- They violated my rights numerous times - The credit bureaus violated my given rights under 15 USC 1681 - According To 15 USC 1681 ( Section 602 A, states that I have the right to privacy ) - According To 15 USC 1681 ( Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- According To : 15 USC 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 explanation
Consumer complaint received 2023-03-12
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:
When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2017-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check through my phone XXXX XXXX 2017 for {$1100.00} into my capital one 360 account. They made me wait appx. 6 days to clear. Then once it was cleared they called me but my mom answered and they asked where the check came from and she accidentally said she was not sure. They said they were closing my acct and said they had to return the check to its original owner. Two months went by I noticed my account was still open with {$1100.00} available but I could n't access it. I spoke to a bunch of people on the phone and they basically stone walled me and said I had no account open. This is where I am at now. I 'm not getting anywhere with the over the phone workers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions 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:
Please take notice that on my report a company by the name of XXXX XXXX is reporting false information in regard to a pet hospital. Please also take notice that this information IS NOT being reported to XXXX or XXXX. This account was created in error. And I am demanding that it 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 2022-02-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a zero balance and closed. I've submitted disputes to all three credit agencies. I've asked for a open balance letter from XXXX showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX dealership to explain the situation. They immedialtely called XXXX XXXX- they could not rectify the problem.

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 2021-08-15
Company: I.C. System, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I CONSUMER XXXX XXXX MADE A PAYMENT TO IC SYSTEMS ON XX/XX/XXXX. WHILE SPEAKING THE REPRESENTATIVE, I WAS TOLD THIS COLLECTION WOULD BE REMOVED FROM MY CREDIT AND NOT STATE PAID BUT REMAIN ON MY CREDIT. THIS ACCOUNT STILL REMAINS ON MY CREDIT 1 YEAR LATER. THE REP STATED THAT THE CALL WAS BEING RECORDED TO QUALITY INSURANCE AND I WOULD LIKE THIS CALL REVIEWED OR THIS ACCOUNT DELETED ASAP. DUE TO AGENCY LYING ABOUT THIS ACCOUNT BEING REMOVED AFTER PAYMENT, THEY HAVE VIOLATED 15 U.S. CODE 1692k ( A ) - CIVIL LIABILITY. DUE TO THIS ACCOUNT REMAINING ON MY CREDIT PROFILES I AM NOT ABLE TO OBTAIN HOUSING AND DUE TO THIS I AM IN THE PROCESS OF SUEING THIS AGENCY FOR ACTUAL DAMAGES. I HAVE REPORTED YOUT COMPANY TO THE XXXX  AND CONSUMERFINANCE.GOV AS A FORM OF RECORD. STOP COLLECTION PROCEEDINGS AGAINST ME AND REMOVE MY INFORMATION FROM YOUR DATABASE SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DE 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 2021-06-28
Company: Experian Information Solutions Inc.
State: NV
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:
I am a victim of identity theft. Someone has opened numerous accounts in my name. I have reached out to the credit bureau 's to help me resolve this problem. its been over 30 days with no reply. I feel like i'm being taken advantage of. this situation has been extremely stressful. I have sent in my police report an disputes. I have called the company 's to try to resolve with no help. I feel im being ignored. If something its done soon I will be forced to seek litigation. The law clearly states that I should be contacted with in 30 days Of the start of the investigation. Which I have not been. My info was also compromised by the XXXX  data breach. I am a victim an I will not continue to be bullied. Please look into this immediately. thank you

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 2022-02-11
Company: EQUIFAX, 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:
XXXX XXXX is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a zero balance and closed. I've submitted disputes to all three credit agencies. I've asked for a open balance letter from XXXX showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX dealership to explain the situation. They immedialtely called XXXX XXXX- they could not rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquires made by the following CREDCO on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX   on XX/XX/XXXX I contacted XXXX, XXXX XXXX XXXX   via U.S mail & via telephone to have the inaccurate inquiries removed. Please investigate these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

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 2022-12-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We moved out of our apartment ( XXXXXXXX XXXX XXXXXXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a {$3000.00} balance for failure to vacate the property without notice. She told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the property manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a {$1200.00} deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail 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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
15 U.S. Code 1681s2 A person shall not furnish any info. About the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ; ( b ) the information is, in fact, inaccurate 15 U.S. Code 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Improper investigation into existing issue Law states that : The term investigative consumer report is information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported They didnt speak w/ any neighbors, friends, or associates so the investigation isnt valid

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