BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Made a payment on XX/XX/22. 
Was advised to make a payment of {$50.00} Received confirmation email of payment Later received an email that I owed {$1.00} AFTER a payment has already been made Called today on XX/XX/22 at XXXX AM EST To make the payment and get clarification on WHY this issue happened. 
Informed both reps that this is now the FIFTH time Navient has played with a payment, and I asked to have the loan cancelled, as it is nearly 100 % paid off. 

A copy of the email I sent to Navient, after they continued to lie about payments : " XXXX XXXX XXXX, Please disregard the previous email. I have taken a look at the document that was sent, and that response is not appropriate to the actions in which your company, Navient, has taken. Navient has proven that they can not be trusted to tell the truth when it comes to processing payments, or honouring contracts, and as such I do NOT accept the response that was given. There is no way, that XXXX payments = the amount of the loan, when in reality, the loan is actually paid off, and I am paying the PRINCIPAL aka the INTEREST on a {$2600.00} ( rounded ) predatory loan. I am not sure who I would have to speak to about this, but I will not and am not accepting such an impersonal and robotic corporate response. I want this loan completely cancelled, and I will not accept anything less. Since I keep and have kept my word and have paid on time for the past 2-3 years on this loan, you as an individual and your employer should do the same. 

In fact, I would like everything in writing, including the original term of the loan, and the ACTUAL rate on this loan. 

I am very familiar with the fact that your employer is currently facing severe legal action behind tactics such as the one that you tried to pull with me for the SECOND TIME. 

Please read up on what is happening with your corporation : Updates on Navient lawsuits Navient Student Loan Borrowers Navient Deceptive Student Loan Practices Navient Multi-State Lawsuit Settlements Navient Student Loans to be cancelled Also, it is interesting that the institution that loan was for ( school ) has been shut down, for predatory practices as well. 

XXXX XXXX XXXX XXXX XXXX and other for profits closing XXXX XXXX XXXX XXXXXXXX I am not sure what game you are playing, but it is disheartening to know that your corporation cares more about putting people ( and keeping them ) in debt. I am NOT one of those people. This loan WILL get cancelled. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
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 submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX  XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX  XXXX each bureau reports a different date of last activity, different dates listed under " date of last payment '', the balance is higher than the high balance, The open date is different on all XXXX bureaus, you said date of last payment was XX/XX/XXXX but in payment history it shows on time payments were made in XXXX, XXXX, and XXXX. how can this be? How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against. I demand this account be removed asap

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 2022-03-23
Company: Experian Information Solutions Inc.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-06-30
Company: MoneyLion Inc.
State: CO
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 have two moneylion credit plus loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a letter from CACi in regards to an account owed to XXXX XXXX XXXX that was sold to XXXX XXXX XXXX and apparently being handled by CACi for collections. This letter was dated XX/XX/2021 but did not receive the letter until XX/XX/2021. The letter was the initial dunning letter per FDCPA, offering a settlement that expired in 60 days, outside of the validation period. I am neither confirming or denying that this account was owed however I wanted to simply pay it off since I am in the process of closing on a home. For this reason, I took their offer and paid the resolution amount of {$270.00} with a write off of {$68.00} on XX/XX/2021. I thought this had resolved the account however on XX/XX/2021 it was reported to my XXXX report. This is extremely unfair and abusive as I was not given sufficient time to resolve the debt and just recently received a notice and took care of the account immediately. I was told by their rep that the account would be closed and returned to the current creditor and trademarks would deleted from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-12-23
Company: EQUIFAX, INC.
State: GA
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:
Attached is an identity theft report with all fraudulent inquiries that are being reported to my Equifax credit report. 

Fraudulent Equifax Inquiries XXXX XXXXXXXX XXXX  XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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:
Since XX/XX/2021 Ive been trying to get a hold of the credit bureau to remove fraudulent items I have also filed a police report as well as the FTC report and filled out identity theft affidavit which is notarized as well still to this day XXXX have not yet to receive any results from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting 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 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 2021-06-30
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by NewRez/Shellpoint. My XXXX XXXX resulted in an almost a XXXX surplus refund check. My escrow monthly payments also went down about {$200.00}. When I received my XXXX XXXX, it shows my escrow balance is negative by almost XXXX. 

Here 's why : My XXXX XXXX was based on taxes of {$790.00} paid in XXXX which was prorated and land only. NewRez didn't review the tax assessment documents or closing docs to see that my property taxes was actually estimated at {$3300.00} a year My Property taxes increased by about {$500.00} for XXXX My Hazard Insurance increased by {$700.00} due to a water loss So basically NewRez lowered my escrow payments and refunded " surplus '' just to tell me I now owe almost XXXX and the shortage will be added to my already increased mortgage payments if i can't pay it in full. So my monthly payments went from {$1500.00} to almost {$2100.00} a month

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for over 1 year to get PHH mortgage to work with me to prove my loan to value should not have PMI. I have followed all of their steps to do this. I have offered to pay for my own appraisal and they would not allow me. I have paid their fees. I sent a payment of {$150.00} that they required from the form they sent me. It was one of the steps. They sent me a paper telling me prices have gone up and I needed to send {$40.00} more. so I did. Both of these checks have cleared the bank. I have the receipts. I have called them many times. They recently moved my case to their escalation division. The lady that was now in charge of my case is named XXXX XXXX ( XXXX ) she said I would have direct access to her. She set a appt for Tuesday XX/XX/XXXX from XXXX so we could schedule a appraisal. She promised that if she couldn't get hold of me a email would be sent. Neither happened. I tried to call the following day and couldn't get through. I left a message and still nothing. I have had it with PHH mortgage. I need help, I wish I could move my mortgage to a different company. My home is valued at $ XXXX and that is what I pay taxes on. The balance of my mortgage is $ XXXX I should not be required to have PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Bridgecrest Acceptance Corporation
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: Problem with personal statement of dispute

Complaint:
This Company is NOT reporting my Payments I'm making on my loans.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account multiple times. The account is child support I never volunteered to be a part of this program and was coerced into it. Furthermore the dates on the three credit reports dont match as I have uploaded the proof via screen shots of my credit reports and fico reports. 

Also please note that this account is on my report twice. Once as NY XXXX and the second time as child support. One saying the account is open and the other saying the account is closed but has an updated past due amount. Both of them are the same account.

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 2023-03-13
Company: W&A Intermediate Co., LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and associates, Inc is reporting 4 items in the amounts of {$130.00}, {$110.00}, {$130.00}, and {$120.00} to my XXXX. I do not owe any of these debts and I've never even seen them on my reports before. I regularly view my XXXX and XXXX through credit monitoring services provided by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: Their investigation did not fix an error on your report

Complaint:
I have attached an FTC report with 2 accounts and inquiries I did not authorize and they are not mine and they are affecting my life please delete

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 2022-03-23
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of my apartment on XX/XX/XXXX. I spoke to MGT at XXXX XXXX prior to the phone and confirm the move-out date as I had already given the written notice that I would be moving out. They are claiming that they didn't get a key back which would be true because they took it when they installed the ring door lock for me. They did not go check the apt to my understanding until XX/XX/XXXX or XXXX which is when they claimed I moved out and attempted to charge me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX XXXX, have three inquires on my credit report that I have no knowledge of. I believe a parent has used my information to open an auto loan without my consent. I have contacted the credit bureau to have them removed, in which they stated it can not even though one has already been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act XXXX  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 with 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
Consumer complaint received 2020-03-13
Company: ERC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX {$410.00} FAMILY SUPPORT {$2500.00} THESE ACCOUNT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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