BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: OR
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:
In XXXX I noticed a collection account on my credit and that it indicated the account was opened in XXXX of XXXX. It indicated the collection was for a balance due for car insurance via XXXX XXXX. I have been insured by XXXX insurance company since XXXX when I moved to XXXX My previous insurance company was XXXX and before that I had XXXX. Therefore it is impossible for me to have opened any account with the general in XXXX. It has been well over 5+ years since I had insurance via the XXXX and when I canceled the insurance and went with a different carrier, there was no balance. I requested all credit reporting agencies remove this and that request was denied. This account balance, opened date, all incorrect.

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 2021-06-17
Company: EQUIFAX, INC.
State: NC
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 have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 and XX/XX/2021. 

Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! 

I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. 

The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is annoying and frustrating! Regarding the fraudulent account that continues to persist on my credit report. This matter is of great concern to me, as it has had a detrimental impact on my creditworthiness and financial well-being. 
The fraudulent account in question is as follows : XXXX XXXX XXXX I am fully aware of my rights under the Fair Credit Reporting Act, including the right to a fair and accurate credit report. I trust that you will treat this matter with the urgency it deserves and resolve it in a timely manner.

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I mailed letters to the XXXX, XXXX and Transunion about innacurate information reporting on my credit reports and I have recieved no response, they are supposed to respond back within 30 days and they have all failed to do so. This is causing me so much stress and keeping me up at night. Please help

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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Yes I am always very careful with my credit at all times. I works very hard to pay my bills especially threw these hard times with the coronavirus. I lost my business that I had and I have been very devastated. But what money I was able to make I decided it was a good time to try to get rid of some of my debts the best way I can. So I was able to pay my car off and one finance company so far. None of this have been easy for me. I was so hurt when I saw my credit scores have drop XXXX points. I work hard to always keep a good credit score and that not fair when you pay your debts down you end up getting penalized for it. I have tried calling the three credit bureaus and you could never get peoples who can make sense of whatever they be saying. I never miss payments on my accounts. But XXXX points and as hard I have tried to keep my credit together. Also on some of my credit reports I saw about a 50 soft injuries on my reports that wasn't made by myself. That should be against the law anybody can call in about your credit or even try to get credit in your name. They be getting all of your personal information and I had to put freezes on my accounts. And that didn't seen to help much. I am wanting to pay more of my debts off and I am afraid my credit score going to drop so low. So what am I am suppose to do? That my personal information and I don't feel it sure be shared with peoples without my knowledge. This world is full of crooks and scam artists. Telemarketers everyday calls your house trying to scam peoples and they can't seen to be stop and the government can't seem to help much either. I have tried everything. I finally was able to buy me a small phone blocker at XXXX and it seem to be helping out a little. My creditors that I have paid off they said they so sorry to hear my score drop XXXX points and that wasn't fair at all. They was willing to write me letters stating how well I paid on my accounts, but they can already see how well I pay my bells for themselves. So I want to know what I can do to get my credit scores back up without going back into debt? Please help this is very hurtful especially when you try so hard. This coronavirus have destroyed so many lives including mind. Thank you for your prompt attention to this matter.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-01-15
Company: Experian Information Solutions Inc.
State: MD
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:
The following accounts on my Experian reports have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX Account XXXX XXXX : a ) Experian lists the account as 30 & 60 days late in XX/XX/XXXX & XX/XX/XXXX ; XXXX and XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX and XXXX XXXX XX/XX/XXXX XXXX c ) Account closed lists account not closed, XXXX and XXXX say close date is XX/XX/XXXX. d ) Account type, Experian says line of credit ; XXXX and XXXX show credit card. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Experian lists the account as 30 days late in XX/XX/XXXX ; XXXX and XXXX indicate 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed date lists account not closed, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. d ) Date of last activity says no date of last activity, XXXX shows XX/XX/XXXX, XXXX shows XX/XX/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 2019-11-21
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to see XXXX  XXXX on XXXX XX/XX/2019. I was sent a bill without the description of services or being itemized. I asked several times for and itemized bill and never received one. I received a final bill, ( still not itemized ) on XXXX XX/XX/2019, I called and asked for an itemized bill and was told they would send it if I paid the bill. I paid the bill over the phone with the billing department, and received a receipt in my email. I fund out today that there is a company called Franklin Collection Services,XXXX  XXXX XXXX XXXX , XXXX , MS XXXX, that is reporting that they are trying to collect for the bill to all three of the Credit Reporting Agencies. I called Franklin Collection Agency, they took my information, including my Social Security Number, and they said that they couldn't speak to me about the collection of this debt and that I needed an attorney. They said that they could only speak to XXXX XXXX  the Doctors firms name. I offered the receipts and they said that I could have my attorney submit them in court. I called XXXX XXXX back and they said that they couldn't do that because they didn't have any amount to be collected. I believe they took my personal information for fraudulent reasons! I am not sure what their scam is yet, but expect calls from them in the future!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband died XX/XX/XXXX. I talked Bank of America on XX/XX/XXXX at the branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I gave them a copy of the death certificate. They ordered the paperwork from estate services. On XX/XX/XXXX, I called to find out were the paperwork was. They said I would get it on the XXXX. I received the paperwork on XX/XX/XXXX. I filled it out and got it notarized on XX/XX/XXXX. I mailed it in the same day. I hadn't heard anything, so I called them on XX/XX/XXXX. They told me I forgot the zip code and filled in too much areas on the letter of instruction, They told me they would send me another form. I called them on XX/XX/XXXX, they told me they had not sent the form yet. On XX/XX/XXXX, I went to another branch and filled out another letter of instruction. They faxed in the form. Then they called the estate services to see if anything else was required. They said all paperwork was received and should get the money in 2 weeks. on XX/XX/XXXX, I received a letter from Bank of America stating they needed another copy of the affidavit for collection. I called them XX/XX/XXXX and said it was turned in XXXX. They said they would put it to a second review.

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 2022-01-22
Company: Navient Solutions, LLC.
State: NY
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:
My student loans were transferred from Sallie Mae to Navient ( without my consent to start ). I went to XXXX University in XXXX and returned in XXXX but could not finish as I had capped out on my loans. At no time, when I was XXXX, was I advised the school maybe too expensive for my family. At the time, my mom made a salary of XXXX and was the sole provider. 

My debt has been in forebearance several times, as I am a single mom to a son with XXXX and also a sole provider. I have asked Navient numerous times how I can repay without nearly 80 percent of the payment allocated to interest. They said there were no options and that the income repayment plan was the only option. I have deferred twice during all of these years and make $ XXXX with a debt that has risen to $ XXXX for a bachelors I still do not have and in a subject that has nothing to do with my job. I majored in XXXX studies, acquired 88 credits, and I work in accounts receivables. That has been my profession for nearly 25 years. 

In reading the current settlement, I believe they have deceived me as they offered me no feasible option to pay down my loan. I cant even rent an apartment as my income to debt ration is so high. I am living in an unhealthy situation with my son who needs peace and we need to move. All I want is fairness. The interest they have charged me is nearing XXXX! on a XXXX loan. That is outrageous. No other card or line of credit takes a monthly payment and applies it all to interest first at 80 percent then 20 to the actual debt amount. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Equidata, Inc.
State: TX
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:
sent ftc violation police report and hacking and they have done nothing to help not even a letter + XXXX  i have years of inccurate reporting on them

Company response to consumer: Untimely response
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
I'm a victim of ID Theft. Please remove the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 took out personal loan from XXXX on XXXX of XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXX. 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX of today, I have made on time payments to XXXX and @ ) XXXX has been paid to settlement amount. 
XXXX still reports wrong amount of {$10000.00} still active, and reports 30,60,90, 120 days late. I have repeatedly filed dispute with XXXX and with TU, but XXXX still reports wrong amount and late 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 non-monetary relief
Consumer complaint received 2023-12-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have loancare mortgage company for my home. I paid my XXXX payment on XX/XX/XXXX and the payment went pending through my bank account. Loancare then disappeared! I couldnt get the website to load, i could not get anyone on the phone! It is now XX/XX/XXXX and I still can not get ahold of anyone from loancare! No one is answering the phone or emails! The website is up but will not let me pay my XXXX payment. The payment button is grayed out and when I try to schedule a payment the page gives me an error message and wont load! My account also does not show the payment for XXXX and loan care has applied a late fee even though i paid within the allowed time before a late fee being assed to my account! There is also an issues with my escrow account. It says I owe more than makes sense and did not apply payment. My online account also shows that I owe way more for my XXXX payment than I should!! I get not get ahold of anyone from loancare to address and resolve this issue!! I have no idea what else to do!

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 2021-07-22
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed complaints with you from XX/XX/XXXX # XXXX to the present XXXX, XXXX, XXXX, ( letter dated XXXX XXXX which was provided to you by lender. Lender perjured themselves for over 10 years in escrow overcharge, which they finally admitted XX/XX/XXXX letter in above claims that they only paid XXXX for escrow, penalty XXXX not the XXXX they lied about for 10 years We were overcharged XXXX for escrow in our XXXX modification which has accrued interest on for over 10 years.they credited payment of XXXX 3 years later, but they did not adjust the overcharges on our modification. Also they did not credit to us the XXXX in fees ever back to us or off the mod. Cost, They did not service us for 14 months from XX/XX/XXXX until XX/XX/XXXX which accrued over XXXX in late fees, they violated every act possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2022-06-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX violated my rights. 

15 U.S.C 1681 SECTION 602 [ A ] i have the right to privacy.

15 U.S.C 1681 SECTION 604 [ A ] it also states a consumer reporting agency can not furnish an account without the permission or written instructions of the 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 explanation
Consumer complaint received 2022-09-07
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
DEBT BUYER HAS PLACED A DEBT ON MY CREDIT REPORTS THAT I DO NOT OWE.

Company response to consumer: Closed with explanation