BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention a concerning matter regarding the reporting of late payments to the credit bureaus on my account. I have been diligently maintaining my payments and have never missed a payment deadline. 

Upon reviewing my credit report, I was astonished to discover that late payments were reported for XXXX and XX/XX/. I must stress that I have always adhered to an income-driven payment plan as a low-income student. As such, the reporting of late payments is entirely inaccurate and does not reflect my payment history. 

I have made previous attempts to rectify this issue through your customer service channels, but unfortunately, I have not received satisfactory assistance. I am genuinely concerned about the impact this misinformation may have on my credit score and financial standing. 

I kindly request your immediate attention and action to rectify this error. It is crucial that these inaccuracies are promptly corrected with the credit bureaus to accurately reflect my history of timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am attempting to reach a person at the mortgage company to ask a simple question regarding changing my address due to my municipality 's intention to rename my street in the near future. 

One can not call the customer service number and reach a person. There are only options related to the mortgage loan itself. 

I did access the live chat which is a bot that provides an automated answer to changing an address with instructions. 

The inability to access a person is infuriating and not at all in the consumer 's interest. It is blatantly ridiculous. 

There should be the ability if every consumer to have access to a person to discuss account issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}

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 2022-03-24
Company: EQUIFAX, INC.
State: VA
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I learned I was part of not one but two major breaches are XXXX   where my personal identity, all personal information was sold including my SS #, name, middle name, married name and maiden name as well as email addresses, cell phone, address and parents address among other relatives of mine. Yes have court orders, restraining and harassment orders for life restricting use of my private information or use of my credit and FTC filings, police reports, notarized fraud affidavits, financial investigations, locked credit, security and fraud alerts now in place as of XX/XX/2019 when I learned of all this, recorded conversations and written documentation backing everything up and still TransUnion will not remove the fraudulent inquiries and other erroneous information, public records that are associated with suppressed/blocked confirmed confidential documents that are not authorized and are not associated to any address/home Ive owed, nor will they remove accounts I also dispute that are listed on my credit report that have been ordered records destroyed.

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 2023-12-08
Company: Regional Management Corporation
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX  I filled out an application for a personal loan on credit karma website for XXXX with Regional finance for a interest rate of 35.99 %, after being approved I was asked to stop by their office to sign some papers which I did. Then they told I filled out a application for {$2500.00} my response was no I filled out a application for {$3500.00} this person showed me the contract amount it said {$2500.00} after seeing the amount on the application I did not question it no more and since I really needed the money I settled for the {$2500.00} loan. Then about a month later I was trying to refinance my home and the credit union said I had a loan from Regional finance that had collateral attached to it I told I did not have no such loan that persons response was you have a tv attached as collateral I told that person that I gave regional finance no model number or a serial number for anything, then I was instructed to call regional finance and ask about that and I did just that I was told not to worry about it there was no property attached to the loan .After that I went back to my e-mail and looked up the contract there was nothing said about any tv then I looked a little bit closer and they changed my interest rate to 79.99 % after they convinced me that my application was for {$2500.00} instead of {$3500.00} they switched my application a to higher interest rate that I did not see upon signing. I believe this was done intentionally. Isn't this against the law???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the TransUnion shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, -Late/Closed-Late Dates : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$460.00}

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 non-monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness.

I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

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 2021-08-16
Company: Velocity Portfolio Group
State: OK
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:
Now in the FCRA623 ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX  credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX  XXXX XXXX XXXX  to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX is showing its late 120 days with a balance in collection. The reporting again is inaccurate. 
XXXX  and XXXX was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how XXXX is different?

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 2023-12-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried several times to retrieve 1099 form from XXXX XXXX XXXX XXXX. I requested this 1099 form over 30 plus days ago. This is my 2nd attempt in getting the 1099 for my tax purposes.

Unfortunately at the time I was laid off, lost my job, faced eviction. To where I ended up in a VA shelter. 

This account was written off nearly 7 years ago. I have tried and tried to get this company to produce a 1099. 
I have attached supporting documents as well.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
PLEASE BE ADVISED THAT 15U.S.C. 1681 602 A ACCURACY AND FAIRNESS OF CREDIT REPORTING HAS BEEN VIOLATED BY XXXX XXXXTRANSUNION XXXX AND XXXX XXXX. ALL OF THE ABOVE IS REPORTING AN ACCOUNT # XXXX ON MY CONSUMER REPORT WITHOUT MY PERMISSION OR KNOWLEDGE OF DOING SO FROM THE START OF REPORTING FALSE TRADELINE.XXXX XXXX  FAIL TO VERIFY THIS ACCOUNT WITH CORRECT MAILING ADDRESS AND INVOICES OF MONTHLY STATEMENTS AND ORIGINAL CONTRACT THAT I SIGNED WITH THEM FOR PURCHASE OF USED VECHILE AND PROOF OF VECHILE BEING REPOSSED FOR ADDRESS ASSOCIATEDCWITH THE REPORTED ADDRESS OF XXXX XXXX XXXX XXXX XXXX NJ XXXX. IT SHOULD BE NOTED THAT THIS PROPERTY WAS VACANT OR ABANDONEDAT THE ALLEGED TIME OF CONTRACT AND LATE PAYMENT OR REPOSSESSION. I DEMAND ALL INVOICES MAILED TO ME AND PROOF OF REPOSSESSION-TIME, DATE, AND LOCATION OF REPOSSESSION.

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 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
All 3 credit bureaus have been putting my car loan as reposssed redeem and Late payment that shouldnt be on NONE of my reports. Ive sent in numerous complaints to consumer finance. This is my third time filing and will seek legal action if its not off my report within the same day of receipt of this complaint. This has hindered me from purchasing property. Very damaging to my score.

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 2023-12-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian is being extremely difficult in responding and updating my disputed items and I submitted the dispute XX/XX/23

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
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: Public record information inaccurate

Complaint:
Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at  this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is  important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017

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 2019-01-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am trying to get a payoff statement from the company with the daily per diem and wiring instructions because I have secured another loan to pay off the company due to historical issues with Citizen 's not sending me statements. I have inquired several times to get statements and even filled out the proper paper work. Citizen 's is claiming that the issue is with my address. The property is at XXXX XXXX XXXX XXXX. There paper work states street -  they say when they call the tax office to have it corrected, the tax office confirms it is street.  Not true at all - I called the tax office myself and they advise it is XXXX XXXX and has always been XXXX XXXX. I believe they are purposely withholding information from me in order to charge me late fees. After securing the other loan, I have spent the past 2 weeks attempting to get a pay off letter sent to me without success. Every time I call the wait time is in excess of 10 minutes and then they put me on hold and do not come back to answer the phone. I believe this behavior is retaliatory in nature. All I want is a pay off letter from this company so I can pay them off and stop accruing late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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