BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: UT
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:
I purchased a house on XX/XX/XXXX through XXXX XXXX. XXXX they sold my loan to someone else, which was expected. I checked my credit XXXX and it still showed that I owed XXXX XXXX. I contacted them the end of XXXX and they said that it should be taken off by XXXX. I looked again on XX/XX/XXXX and showed that it was still open. I have been talking to the original broker and they have been working with their corporate to get this taken care of. I spoke with them ( XXXX XXXX ) on XX/XX/XXXX, XXXX, XX/XX/XXXX by phone and email. I have had my realtor contact them as well on XX/XX/XXXX and she gets responses that say they are working with their corporate as well. On XX/XX/XXXX the last response was the XXXX XXXX spoke to the CEO of XXXX about the problem and he said that he was going to look into it. Still nothing. Right now it shows that I owe XXXX XXXX on my home. And it still shows open. My credit usage is 96 %. Right now, the stress and the limits this is putting on me is not right. The broker is doing everything they can and they are also not getting anywhere. I need this fixed.

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 2023-06-13
Company: CITIZENS FINANCIAL GROUP, 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 have disputed with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is citizens bank mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
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: Information belongs to someone else

Complaint:
I was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: CO
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:
See Attached - I sent the wrong attachment with my first complaint for Experian so I am resubmitting with the correct attachment for the correct company.

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 2023-06-02
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by a person i thought was a Frost Bank representative using an actual Frost phone number ( XXXX ) XXXX. I lost {$11000.00} by getting instructed to transfer ( {$6000.00} ) through XXXX ( XXXX Phone # XXXX ) and was instructed to transfer another ( {$5000.00} ) to XXXX XXXX to XXXX XXXX the scammer Acc. # XXXX Route # XXXX. All this happened because i was told by the Frost representative someone was trying to take money out of my account through XXXX an he could reverse it. When i called the XXXX number that he called from listed above it is an actual Frost number. So when he called back i knew or thought it is legit.. 
Frost bank concluded the investigation and said there was no error. But what about the scam? they have all the info above to be able to track this guy down along with the bank and account number it went to. They are not trying to help me recover the illegal wire fraud transfer Please help i am wiped out and nothing to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Monday XX/XX/, I indirectly received a Summons from the Court of Common Pleas of the State of Delaware for XXXX XXXX. The serving of the summons was unacceptable. This is regarding the XXXXXXXX XXXX account ( account number ending in # XXXX ) XXXX XXXX  sold the original debt to debt collection agency Midland Credit Mangement , Inc ( MCM ). MCM is now trying to sue me, the consumer, for the debt that has already been paid and accounted for. That is a violation. 

There are more violations : 1. I did not receive a written notice of debt from Midland Credit Management , Inc ; XXXX. With the summons I received, there is no conspicuous statement from Midland Credit Management Inc stating that I have the right to dispute this debt ; XXXX. I have not received enough information to verify this debt ; XXXX. Midland Credit Management Inc influenced a Special Process Server/Clerk of the Court ( State of Delaware ) to indirectly speak with a third-party about this alleged debt, as the information was delivered without an envelope and given to someone outside of the person of interest and ; XXXX. This summons/lawsuit was my first time receiving notice of the debt. I did not receive written notification of debt prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom it concerns I am the mother of XXXX children who needed me to co-sign to get college student loans. I am happy to say that XXXX have XXXX and XXXX is set to finish next year. They are all employed and tax payers. YAY My problem is the fact that these lenders have no desire to help my children pay back their loans. 

I have also found another little ugly secret. My daugher has loans with only XXXX XXXX. Her balance was {$34000.00}. We stopped using student loans for her in 2015. She is still in school, set to XXXX   next spring. Her balance is NOW {$51000.00}. As stated above, we have not taken any more loans for her since 2015. Her balance has increased by {$20000.00} and she has not even graduated nor taken a loan from XXXX XXXX since 2015. This is criminal ( in my opinion ) and explains what I could never figure out. With all XXXX kids my student loan debt is over {$100000.00}. Actually closer to {$200000.00}. I knew there was no way we took out that much debt. Now I get it. They tack on ridiculous interest even though these loans are in deferrment. WOW, this is not right. 

We want to pay back the loans. I ( we ) always pay our bills on time. There is no way to get out from under this massive debt and these servicers could care less. 

I NEED your help. This is not right. {$20000.00} more than what the original amount was when we stopped taking out loans in 2015??? There is no way I owe the {$200000.00} on all of my children. I can afford to pay for one ( which is what we have been doing since 2015 ) I co-signed with the intention of paying back what we borrowed. If {$34000.00} can add up to {$51000.00} and the student has NOT even graduated yet no wonder my overall student loan debt is so high. 

As the overseer of these private loan institutions, what are you doing to fix this?? My children could not qualify for Federal ( taxpayer funded ) student loans. Funny, as a taxpayer I don't qualify but someone who probably does not pay taxes gets the sweet heart deals. I am sure most did not even graduate. My kids have. There has got to be justice here. This is just not right!! 

I look forward to an explanation from you as to how this is fair. If you have no jurisdiction over these predatory lenders, then what exactly is YOUR JOB. 

Again, I am not asking for forgiveness, just a reasonable repayment plan on the actual amount of our loans. 

Sincerely XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-01-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 I got with a lawyer and filed for chapter XXXX bankruptcy. After a few months goes by, I receive my letters from the Bankruptcy Courts ( Northern District of Illinois ) a order to discharge debt was granted to me ( as shown in pg 1 below ). After my chapter XXXX bankruptcy was finalized, I then pull my credit report to make sure all debts that were included in the bankruptcies were in fact reporting accurately. To my surprise, a few accounts that was included in the bankruptcy were still reporting as in open status with a high balance, which negatively brings my score down. I'm fully aware bankruptcy chapter XXXX can legally stay on my credit report for 10 years. But what i'm disputing with the credit bureaus is that it must be reporting accurately. I dispute this accounts, XXXX XXXX XXXX credit installment and car loan balances XXXX with Experian and XX/XX/XXXX Less than 72 hours later, Experian states that the account has been verified and will remain reporting the same way. Again, i'm simply disputing a open account which shows XXXX XXXX XXXX XXXX as an open account when it was included in the chapter XXXX Bankruptcy and should be close, due to it being a discharge debt. My understanding that it's unlawful for a creditor may no longer initiate or continue any legal or other action to collect a discharge debt. XX/XX/XXXX XXXX is continue to report recent past due balances and late payments to the credit bureaus on a discharged debt. which wrongfully discreadit my worthiness and fresh start to my financial stability.

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 2022-04-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, EXPERIAN and XXXX XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

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 2023-07-06
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Kimball, Tirey & St John LLP, The collection company reported an outstanding balance of {$1300.00}. Although they have been told that litigation is in process and they should not report the debt to my credit till the court take a decision on or after XX/XX/XXXX the hearing date. 

The report caused damages to my business and personal financial needs. 

Attached is a letter they keep sending. along with the court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account information incorrect

Complaint:
Had a mortgage through Pennymac. Long story short... I went through a very XXXX divorce from my ex. I suggested to the judge to award him the home and he was to have it refinanced. I moved out of the house in XXXX. I have HARD, SOLID proof that the FIRST date of delinquency on this loan was in XXXX of XXXX, yet after having disputed this with XXXX and Pennymac - NUMEROUS times ; I have yet to get a clear, concise resolution as to why they are still listing the first date of delinquency as XX/XX/XXXX. I was unaware of anything that had taken place on this loan because I had moved out and had no communication with my ex. My professional career is contingent on my credit history. I can not understand how I have proof of the first delinquency date, THAT I SENT TO THEM, and yet it still shows on my XXXX credit report. XXXX is the only bureau still reporting this and Pennymac is not helping - in the aspect of accepting my HARD proof as evidence that the information is absolutely incorrect. I've written both companies and to no avail had any progression. I want the CFPB to investigate it. It is causing me financial and personal stress. I just want Pennymac XXXX XXXX to be responsible enough to admit that the information they're reporting is in fact INCORRECT & AN UNFAIR PRACTICE and to FIX IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, XXXX and TRANSUNION XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

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 2023-01-13
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 
I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
Under Sec. 602 " I have a right to privacy '' XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # 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 2021-01-07
Company: TRUIST FINANCIAL CORPORATION
State: CT
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 mailed a dispute letter to XXXX  and XXXX  on XX/XX/XXXX regarding 3 accounts on my credit report. I was notified within 15 days that the account was verified. I than sent a certified letter to both companies requesting a method of verification on XX/XX/XXXX. As of XX/XX/XXXX I had not received any correspondence. I called XXXX  directly and spoke to " XXXX and " XXXX '' and was told by both managers that I was not allowed to receive verification ( a FCRA violation ) and that they communicated with the furnisher electronically and have not gotten any verification if this account was actually mine. As of XX/XX/XXXX, I have contacted my local smalls claims court to file a claim for clear violations of my consumer rights. I have been asking for verification of these accounts for several months and it has been futile. Please advise

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 2023-10-16
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-13
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Navy Federal Credit Union, business account, checking and savings. 
We have been trying to close these accounts for months now. They have been dormant for 7- 10 years. But Navy Federal is using every possible excuse not to close the accounts. 
We went to the local branch and they said they can not close a business account. 
Then we tried over the phone to close them without any success. We were dealing with the main office near XXXX, VA What's the problem? the company has been out of business for at least 7 years. They are now XXXX balance. We didn't open an account for life. 
NFCU XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief