BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-28
Company: Experian Information Solutions 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:
My ( collection ) account? has been reported to Experian as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is XXXX ) I was not in XXXX XXXX Az at that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by MEDICARE as I was on Medicare as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves EXPERIAN stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and EXPERIAN as well as XXXX XXXX are Lying to everyone about my credit.

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 2021-06-14
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Navient has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XX/XX/XXXXper letter dated XX/XX/XXXX. 2. On XX/XX/XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XX/XX/XXXX, I received two letters from Navient dated the very same date of XX/XX/XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XX/XX/XXXX and ends on XX/XX/XXXX. 4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XX/XX/XXXX. 5. In sum and substance, after I filed a borrowers defense loan forgiveness request, Navient changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XX/XX/XXXX repayment start date. 6. In addition, late fees have also been applied to my account. 7. Note that this is not the first time that US DEPT OF ED followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with Navient, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that Navient placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided Navient with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issue someone sent the police to his house to bring him to the XXXX ward and the police ended up XXXX the man ). When I contacted US DEPT OF ED about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 8. For various legitimate reasons, I have requested documents from US DEPT OF ED so that I can verify and calculate the purported student loans but US DEPT OF ED has not provided the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$21000.00}

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 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I learned by email on XX/XX/XXXX from XXXX that my credit rating went down. I logged in to find that Bank of America had made a hard inquiry on my credit. I logged into my Bank of America account and found out that I had a new " XXXX XXXX  credit card that I did not apply for. I called to have it cancelled and my annual {$59.00} fee reimbursed *but* could not find out how the application was made more than that it was done " online '' ( not sure if that means with the BoA app, on their website, maybe on XXXX 's XXXX ). I did receive an email last night saying that my card was being sent to my home address. 

I want to know if Bank of America opened this credit card without my permission of if someone else did. After about XXXX hours on the phone with BoA, I now have to go through an entire process with the local police and with BoA, in order to learn what information was placed in the application for this card - and won't learn about it for at least another 30 days. 

In the meantime, I did place a security freeze on my credit information with the top XXXX credit bureaus. I also did check to see if the XXXX had any type of mail hold to ensure that nobody was waiting for the credit card that is supposed to be coming through the mail

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 2022-07-16
Company: EQUIFAX, INC.
State: OH
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:
There are XXXX hard inquiries on my equifax credit file that I have not applied for credit with any of the companies. I have reached out to equifax and the companies who reported inquiries and neither have removed these XXXX hard inquiries from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: LA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX : {$10000.00}.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: FL
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 XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # 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 an 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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. 


XXXXXXXX XXXX XXXXXXXX - {$1500.00} -HAS VIOLATED MY RIGHTS! 


INQUIRIES : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022- HAS VIOLATED MY RIGHTS! 
XXXX XXXX XX/XX/2022 - 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 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 of 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 non-monetary relief
Consumer complaint received 2021-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
-In XX/XX/XXXX, I was sent a notice to my address in Michigan by XXXX XXXX XXXX XXXX XXXX that my debt ( collected after having to live off my card due to house and joblessness ) had been sold to Portfolio Recovery Associates , LLC for {$2200.00}. As I had already moved to Florida, this letter was not forwarded to me in a timely manner. At this time, it showed up on my credit report as a collection debt. 

-Once I had obtained the supplemental information provided by Portfolio Recovery Associates LLC as proof of veracity of claim after disputing the collection, I was able to see the aforementioned notice, as well as a statement from Portfolio Recovery Associates containing my account number, the ( now corrected after an updated credit report request by them ) Florida address it was sent to, amount owed, contact information, etc. When I contacted Portfolio Recovery Associates, I was told they could not give me any further information because it had been transferred to be litigated. 

-Three years to the day XXXX XX/XX/XXXX XXXX and two states later, apparently a lawsuit was filed against me in an attempt to collect the debt. I was never served a summons. Once I found out about and looked up the case, I saw they had the correct address but an incorrect name, one that was corrected with the credit bureaus two months after said debt was sold to PRA. Thus, the notice of 'summons returned served ' in the court review is incorrect. Once I learned of the suit, I submitted the necessary paper work on my behalf. After that, I didn't hear from them, nor did an updated search return anything. 

-In XXXX of this year, I received a notice from the XXXX XXXX XXXX XXXX XXXX stating that the case was to be closed in a month due to lack of prosecution if no action takes place before then. Just before that dead line, the attorneys for PRA XXXX XXXX XXXX XXXX XXXX filed a motion to transfer the case to XXXX XXXX, citing that this was where they ( in fact did not ) serve the original summons. Once this was granted, they received a letter from the Clerk of Court stating they had 30 days to pay the transfer fees or the case would be dismissed. Two days before that due date, they submitted payment at the last minute. As of yet, I have not seen nor received anything from the XXXX XXXX XXXX XXXX regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
After unsatisfying communication in the message center, I have no alternative than to file this compliant. First, there was a bogus transaction on XX/XX/XXXX for {$63.00} that PayPal posted to my bank account. When my bank reversed the transaction, my PayPal balance was put in the negative, but my PayPal balance was not the original source of where the funds ( {$63.00} ) went. On XX/XX/XXXX, I scheduled a transfer of {$250.00} to my PayPal MasterCard, but {$280.00} was debited from my bank account, which caused a {$30.00} overdraft fee. It seems PayPal added my negative balance to the scheduled transfer, but the larger amount was not the amount I authorized, which is against ACH rules. On XX/XX/XXXX, PayPal credited {$24.00}, which is not the disputed amount of {$63.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent Experian a letter stating that I had gotten my credit report and the following items ; XXXX ( late payment ), XXXX ( Loan and Hard Inquiry ), XXXX ( Hard Inquiry ), and US SM BUS ADMIN ODA ( hard Inquiry ) was unauthorized and that I do not recognize them, so an investigation needed to be done on these accounts. On XX/XX/XXXX, I sent them a demand to comply with my last recent request and I also reported it to the CFPB. They responded back before I had reported to the CFPB and told me the results were in. However, whenever I tried to click to see the report I wasn't able to, which then made me still send the complaint to CFPB because of this false advertisement Experian was doing, sending me a report that was unable to open. A couple days went by with my complaint to the CFPB and that really helped to speed up their process. I received an email of my results shortly after, and I was able to open this report, in the report it only addressed one complaint from my first initial letter and that complaint was the late payment for XXXX had been updated. The late payment they had once had on my credit had been removed. Although, to my surprise there was nothing said about the other 3 disputes. CFPB then closed the case I presume because the company had responded, the problem was that they hadn't responded fully. I decided to wait to see if they would take some more time to respond to those disputes separately as they did for XXXX but they didn't. On XX/XX/XXXX I ended up sending them an MOV ( method of verification ) for the following accounts XXXX and XXXX. A couple days later I received an email that a new dispute had been opened with Experian, however it had been the same dispute since XXXX that they hadn't responded to fully and only responded to one dispute and not the other 3. They then sent me an email with the final results that the account had been verified, after almost 2 and a half months of struggling with them and stressing myself about these derogatory marks that I had not authorized. Therefore, today on XX/XX/XXXX I sent them another MOV. Experian has failed to reach my demands and because of that my credit and my whole life has been impacted drastically and I believe they should be held accountable for violating the FCRA laws by not providing me with my response in 30 days, in which case these items should be removed from my credit because it has been over 2 months now.

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 2022-07-18
Company: EQUIFAX, INC.
State: NY
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 these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Ive been dealing with student loan issues since XX/XX/XXXX between XXXX XXXX and Mohela. 

There has been a lot of lack of communication between both agencies. I received my first email from Mohela on XXXX XXXX XXXX  informing me about the XX/XX/XXXX deadline for PSLF. 

I had not known about the waiver and had 2 days to get my information submitted. I was able to get a certification form submitted for one employee on XX/XX/XXXX, but the representative digitally signed it. The certification form for my 2nd employer was incomplete because it is located out of state and I was not able to contact anyone on time. 

Ive since submitted complete forms on XX/XX/XXXX and XX/XX/XXXX for both employers. 

After waiting since XX/XX/XXXX for XXXX to transfer my loan to MOHELA, I am now being told I need to wait an additional 90 business days. Ive been patient with this process. But now it is at a point where it seems am having to go through hoops to have my employer 's certified and payment count updated. My loan should have been forgiven in XX/XX/XXXX, so I have more than the 120 payment requirement for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX my debit card was stolen. Once I noticed my debit card missing I call the bank to cancel my card. XXXX XXXX told me to file a police report which I did on XXXX. I have file a fraud claim to dispute for the charges, on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have denied all my claim. I have sent them all the information they have requested and still DENIED. XXXX XXXX has closed my account and send me to collections. I just received another letter today. When I call the collection office refer me back to XXXX XXXX.XXXX have denied my claim even after sending them a police report. Its discrimination, Belittling, just plain harassment and gender profiling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( I C SYSTEM INC Account XXXX ) is stating that I owe XXXX XXXX XXXX. 
I never had an account with XXXX XXXX XXXX. 
I have disputed this item before and had it taken off my credit report once. 
This is the second time they have submitted that I owe them. 
My attempt to reach out to the company failed they did not answer the phone. ( XXXX ) I have disputed with XXXX  and this time they have verified this as accurate so it is still showing on my credit. 

I dont understand if this was disputed before and taken off how can they ( I C SYSTEM INC Account XXXX ) put it back on my credit. I fell this is harassment. 
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