BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
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: Account status incorrect

Complaint:
XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company XXXX XXXX is showing Profit loss/write-off as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, see the attached Consumer Financial Protection Bureau Settles with XXXX XXXX XXXX XXXX for Credit Reporting Violations in Connection with Its Auto Loans as evidence of violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Investigation took more than 30 days

Complaint:
I have sent all three bureaus, letters that there is information on my credit report is inaccurate and not verified. by law, it should be XXXX accurate and it is not.

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 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Over the last month and a half, I have been trying to receive my credit report from Equifax in order to get a home loan. The 2 other major credit agencies had my credit report from my car loan, but Equifax did not. They said they had an error code NH, which means no history. I have spoken to multiple representatives over the span of 1 month. This includes multiple times a day, and at least once daily. However, I have received no solution to my problem. I was told to mail out copies of my SSC, my car loan, my ID, my marriage license, utility bill and a note explaining situation. However, when I call to check status, they said they do not have any history of this letter. I even paid extra to track my letter with this and saw it arrived at the correct address. However, I was not giving any update or solution. I tried to file a dispute on Equifaxs website, but I get an error code NH telling me to call. I am currently stuck losing my mind as I just want a solution to the problem. I have spoken to XXXX to ensure they have the credit information and are sending out the credit information that Equifax needs. However, despite this, Equifax does not offer any other solution other than mailing out copies of info which I have already done. I am almost in need of a credit attorney which would be a very expensive fix for what should be a simple solution. Equifax has provided zero alternatives. They insist all I need is to mail out that information, but when I did multiple times now, they claim to have never received it nor can they check on status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX Dear all, believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 


The Debts involved are as follows : XXXX XXXX {$1600.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi there, one week ago I noticed that Bank of America has closed my Credit Card without any notice. After I followed up several times, I received a letter stating that they closed my account because of several inquiries and high balances in my FICO report. I then visited a branch, talked to an officer and they connected me to Credit and Risk department, ( unfortunately I dont remember their name, but one of the was XXXX ) they kept insisting that the business made that decision, they said they were " concerned '' that I had balances in my report, but it doesn't justify their action because 1 ) I've been 100 % on time with all my payments to Bank of America and all other banks, in fact my credit report says 100 % exceptional on time payments, not a single late payment, 2 ) I've always been on time with my all payments to bank of america , and 3 ) very recently I opened a few line of credits with some credit unions for my business, that dropped my score from XXXX to XXXX, but I've been on time with my payments and am paying my loans. Nothing is wrong, I have a well-paid job and am also making money out of my business, and am paying back all my loans, no delinquency or late payments. In fact, like anyone else that they get loan, at the beginning you have several inquiries on your report and since you open a new loan, your credit score drops but as you start paying off, it bounces back. That credit card that I had was my oldest card/account and now that they closed this account only because they were " concerned '' it destroyed my credit history, profile and so forth. I find this bank of america 's action very unfair. They could have waited for when I was late on any of my payments then they could draw a conclusion that they were concerned about my other balances and then close my card, but with no convincing grounds, they closed my card and I want to sue them and file a compliant because I want that card/account to be reinstated. It's also interesting that I'm a gold tier customer of bank of america.

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 2023-10-11
Company: EQUIFAX, INC.
State: SC
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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Account status incorrect

Complaint:
My account with XXXX XXXX XXXX have been disputed several times to remove inaccuracy where it shows two 60day late payments for XXXX and XXXX. Letter from XXXX was provided and uploaded to credit bureaus website to reflect accurate payment history, and shows there were NO 60 day late payments in 2020, yet the inaccuracy remained. XXXX XXXX is pointing the finger at the credit bureaus saying its their fault, and credit bureaus are pointing fingers back at XXXX - meanwhile Im stuck with inaccurate information on my report. If official letters and documents are provided to the bureaus from the lender XXXX XXXX XXXX to support my dispute, its the credit bureaus responsibility to use that document and update my report accurately! 
Im now attaching the response letter from XXXX XXXX XXXX from CFPB complaint case XXXX as well as letter that was provided to the bureaus from XXXX credit Dept that will confirm there were NEVER 60 day late payments made in 2020 for my account. Letter also states XXXX never report such information to the credit bureaus. Hopefully this complaint would help resolve the issue.

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 2023-10-13
Company: MIDFIRST BANK
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
On XX/XX/XXXX I was served Forclosure documents when I was unaware of one. Court documents dated XX/XX/XXXX. 
I have requested payoff statement online and via phone on XX/XX/XXXXXXXX  and other future dates from mortgage company. I put My house on the market on XX/XX/XXXX. I am due to close on XXXXXXXX  I did not recieve any information regarding a Forclosure risk. I was informed by mortgage company today that my forbearance ended XX/XX/XXXXXXXX  and they referred my loan to a Forclosure lawyer on XX/XX/XXXX. 

I spoke to the judicial court civil clerk where the Forclosure I was served was filed. They informed me that nothing has been filed just yet & I do not have a docket number. I only have a return date of documents of XX/XX/XXXX. 

I have spoken to the mortgage company on many occasions. Asking how can this be possible that I am on forbearance. 

They advise me that recieved my attorneys most recent pay off requests dated earlier this week in response to the Forclosure  and they were pending their Forclosure attorney to add his fees before getting it back to my attorney. 

We recieved new updated pay off which includes the following : Principal Balance {$210000.00} Interest from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  {$21000.00} Escrow Advances {$17000.00} Property Inspections {$95.00} Recording Fee {$70.00} Outstanding Attorney Fees and Costs through XX/XX/XXXXXXXX  {$2200.00} Total Payoff Amount Due as of XX/XX/XXXXXXXX  : {$250000.00} Please note that this payoff quote expires on XX/XX/XXXX. 

Please not that my prior payoff was as follows : Principal Balance : XXXX Amounts : Deferred Principal Balance* : XXXX Interest Calculated to XX/XX/XXXXXXXX   : XXXX PMI/XXXX Premium Calculated to XX/XX/XXXXXXXX   : XXXX Escrow/Impound Advance Balance : XXXX Late Charge Balance : XXXX XXXX Anticipated Late Charges : XXXX Optional Product ( s ) : XXXX Prepayment Fee : XXXX Statement Fee : XXXX Release Fee : XXXX Expedited Delivery Fee : XXXX Fees Currently Assessed : XXXX Unapplied Funds Retained : XXXX Less Unapplied Funds : XXXX Less Escrow Balance : XXXX TOTAL AMOUNT DUE : XXXX Any and all information and guidance will be greatly appreciated. 

Thank you, 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 monetary relief
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXXdit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Western Benefits Group, LLC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
WESTERN BENEFITS WAS HIRED ON MY BEHALF TO PROCESS A FORBEARANCE WITH XXXX XXXX. 

I WAS NOTIFIED BY WESTERN BENEFITS THAT AN INCORRECT SOCIAL SECURITY NUMBER HAD BEEN SUBMITTED, ( NOT BY MYSELF ) AND THAT IT WAS SMALL PROBLEM THAT WOULD BE FIXED QUICKLY AND NOT TO MAKE ANY PAYMENTS TO XXXX XXXX. 

I FOLLOWED THEIR INSTRUCTIONS. NO APPLICATION WAS SUBMITTED ON MY BELF. MY ACCOUNT WAS 90 DAYS LATE AND I AM UNABLE TO HAVE THAT NEGATIVE REMARK REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion has failed to update my credit report, even though they were informed by XXXX XXXX that the two hard inquiries dated:XX/XX/2019 & XX/XX/XXXX were fraudulent and had to be purged from my credit file. 

Listed below is the information as it shows on my credit report which was pulled today : XX/XX/XXXX. 

Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Attached is proof from XXXX XXXX that the information for removal was communicated on XX/XX/XXXX to TransUnion.

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 2023-08-09
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX, XXXX, and Transunion - After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

This is my second time dispute this account and I have not receive adequate updates on the status of my disputes. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

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 2021-12-19
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: Information belongs to someone else

Complaint:
I am submitting this complaint on behalf of myself and not a third party. I XXXX XXXX XXXX am a vicitim of identity theft and I have submitted the documents as request to have these fraudulent accounts blocked and deleted according to the information I read when I filed a report on the Federal Trade Commission site. I read that once I have made the consumer reporting agencies aware of these fraud accounts they would be blocked and deleted within 4 business days well it has been more than 40days and they are still reporting these fraudelent accounts. I an a XXXX XXXX XXXX and I suffer from XXXX and I don't need nor can I handle anymore XXXX XXXX and this is causing way too much for no reason. If people would just do their jobs and follow the Federal Law I would not be submitting yet another compliant. Is not my fault that my information was exposed in the XXXX and XXXX data breach. I did as they asked me too and now I'm the one who has to suffer, how is that fair to me? If this is not taken care of I will seek legal action because truthful speaking these consumer reporting agencies are in violation of all kinds of laws but I will save that for a later time. For now I need these fraudulent accounts deleted immediately

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 2020-02-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I enrolled in XXXX College from XXXX XXXX-XXXX. Once I graduated I recieved my XXXX Degree in XXXX. I decided to go back to XXXX College of Rhode Island to work on my XXXX degree. I was finishing my third class when the college informed me my degree was not acceptable towards the XXXX program. I questioned WHY?? and was told XXXX is not an accredited college. I dropped out of school and felt dissapointed and confused. I was discouraged to continue my education due to the financial hardships. My federal loan had been deferred several times during this time. 
I paid my private loan in full and began making payments towards my federal student loans. I was consistenly making good and on time payments. In XXXX I was having financial difficulties in making payments. Navient suggested I go in to forbearance. They did not attempt to inquire if I could make small monthly payments. 
In XXXX I contacted Navient several times in regards to making payments. I offered Navient between $ 50- {$70.00} a month because during that time it was all I could afford. They stated the minimum was {$140.00} and that was the best they could do. I contunied back and forth for months and was finally able to negotiate {$70.00} a month. The bill came in and it was {$150.00} " DUE IMMEDIATELY ''. I could not get them to work with me as I tried over and over. More recently I began conducting my own research and I'll admit due to my own negligence did not realize that my original loan of {$12000.00} somehow doubled to {$24.00}. I understand navient took over for Sallie Mae and somehow aquired my loans. I'm still confused as too how much interest and how it was calculated. I need someone to help assist. I am presently reaching out to the Dept of Education and have  filed an application for a borrower defense to loan repayment. I would like some understanding into how and why this happened.

Company response to consumer: Closed with explanation