BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I actually have multiple issues with a debt buyer who has bought 3 very old accounts of mine, the agency has left messages threatening to turn information over to the police, and to meet me on the courthouse steps. However, my biggest issue is them reporting false information to the credit bureaus. They have bought old debt that was under dispute and have listed it as a recent delinquency. I have contacted all three agencies to dispute the dates and all three have informed me that XXXX XXXX XXXX is showing it as new debt and delinquency. XXXX XXXX refuses to correct it and says they are allowed to do this to force me to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: AL
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 FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven-year reporting period. XXXX has removed these accounts ; however, Equifax has not removed the account as I requested in a written dispute over 30 days ago. XXXX XXXX XXXX this account is past the seven-year reporting period based on the date of first delinquency for a charged off account. This account should be deleted based on the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have paid my bill, yet it shows that my balance is unpaid on my credit report. I paid my bill on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have paid my bill, yet it shows that my balance is unpaid on my credit report. I paid my bill on the XXXX of 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 2018-01-05
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After speaking with Navient on XX/XX/XXXX after several times, I am disappointed in their lack of helpfulness in allowing me to make student loan payments, but instead I am having to continue using forbearance due to my inability to make payments in the amount of {$350.00} that the company has set forth. 

On XX/XX/XXXX, I sent an email to XXXX which stated below : " Dear Navient, I am writing in regards to my upcoming student loan repayment. After months of going over my finances ( budgeting, reductions, etc ) and reviewing my current household dues from mortgage and utilities to childcare expenses, I am still unable to afford the payment of {$350.00} that Navient has set. The amount that would be most affordable to me is {$150.00} at best. 

I am asking Navient to meet this request on me and my family 's behalf to ensure that I am able to pay my student loans on time and in the affordable amount as to avoid delinquency or default. 

I ask that please strongly take this request into consideration. 

Sincerely, { name } '' The letter above was written to explain my current financial situation and the amount that is affordable to me. Navient called me on XX/XX/XXXX and left a voicemail to call back which I hoped would be for us to work out an affordable payment plan. I returned the call and spoke with Navient on XX/XX/XXXX to see about options of lowering my payment plan that was due on XX/XX/XXXX. During our discussion, Navient told me that I should be able to make the payment they have put in place in the amount of {$350.00} due to my household income, although they are not fully aware of our financial circumstance or other obligations. 

They let me know that there was nothing that they could do to help me lower my payments and that the only option was to pay or use up more forbearance. I had 7 months of forbearance left. My goal was to not use forbearance unless my family stumbled across hard times in which it would truly be needed ; instead I wanted to make payments to Navient in an affordable amount. 

Since telling me that I am unable to lower and make those payments, I am now using 3 of those 7 months of forbearance and I am set to start back making payments on XX/XX/XXXX. I am at a lost for what to do here now but it seems that Navient is not concerned with helping borrowers make affordable payment plans as they proclaim, but instead command us to abide by what they believe is affordable according to their standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with XXXX XXXX XXXX XXXX to find out what was going on. They informed me a payment was passed due XXXX days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and XXXX doesn't care that their mistake is causing me real life issues. I appreciate XXXX getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.

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 2022-02-02
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: Investigation took more than 30 days

Complaint:
This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with XXXX XXXX XXXX XXXX to find out what was going on. They informed me a payment was passed due 30 days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX  months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and XXXX  doesn't care that their mistake is causing me real life issues. I appreciate CFPB getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.

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 2018-06-05
Company: Experian Information Solutions Inc.
State: OR
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 am, once again, contacting the Consumer Finance Protection Bureau to resolve a complaint of in-accurate mortgage information on the Experian Credit Bureau report. This is my 7th separate contact, with Experian, in this regard. My last CFPB communication was in regard to complaint number XXXX with a response from Experian that states the information, in regard to including my mortgage payments, can not be included because their credit grantors have not provided this information. In all my communication I have included a copy of our most recent XXXX XXXX mortgage statement for their review. Experian is suggesting they can not include this accurate information unless it comes from their source of information. I welcome the opportunity to forward this same information to their sources. Please find enclosed copies from my on-line Experian credit report for My Debt Summary showing real estate debt XXXX, and my Accounts Summary XXXX as well. This is in-accurate information provided on my Experian report, and I believe I am entitled to have accurate information provided for anybody to examine. It is worthy of note, this mortgage information is on my XXXX, and XXXX XXXX credit report, but not on the Experian. I am, also, including our most recent XXXX XXXX  statement to support my claim we do have a mortgage, and have had the mortgage since XX/XX/2006. I would sincerely appreciate any assistance to persuade Experian to show accurate information in regard to our 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 2022-02-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Any deposits over {$500.00} are either my pay from XXXX non-recurring money we have borrowed from family to help us get by due to the baby and medical bills. 
You keep asking us for the same documents we have sent and re-sent and re-sent again. 
You ( Cardinal Financial ) told us that if my mom, XXXX XXXX, quit-claimed off of title she didnt have to sign anything or supply any documents, yet you just sent me a letter dated today asking me for all of my moms documents. It was not small task to get her removed from title during a pandemic with a XXXX XXXX ( XXXX hours away, each way ) and you were the ones that told us to do it so she would not have to be involved. 
She does not live with us. She does not pay our mortgage, she co-signed with my now-deceased father to help us buy the house. 
The ONLY source of income is from my job at XXXX. 
I implore you to please review the documents and if you need anything FURTHER than the attached, we will supply it to you in short order. 
We have sent you EVERYTHING YOU HAVE REQUESTED MULTIPLE TIMES. PLEASE ASSIGN SOMEONE NEW TO OUR FILE SO IT MAY BE REVIEWED IN A TIMELY MANNER. 
Thank you, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've sent a letter to this company on XXXX/XXXX/2017. I have no clue what this debt is for and ask them to verify all documents in order to determine anything. This is not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Continental Credit, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had 1 late payment with XXXX XXXX Bank XXXX years ago. My credit score is now a XXXX+. I have not had a late payment since with any institution and my credit score has done nothing but go up since this incident. They WILL NOT remove this derogatory mark on my credit score. This is the only thing holding me back from having perfect credit! I haven done nothing but prove to them that I have been in good credit standing with all institutions, yet they REFUSE to make a change on this. 

I worked with a company ( XXXX XXXX ) and paid them thousands of dollars to have this removed. Yet the company did a lot of good work for me, they were unsuccessful at accomplishing this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I 've done business with CapitalOne360 since XX/XX/XXXX, but I closed all of my deposit accounts except a single joint checking account in XX/XX/XXXX. I requested my XXXX XXXX report in the fall of XX/XX/XXXXand to my dismay I saw 33 inquiries from CapitalOne going back to XX/XX/XXXX! 

I have n't requested any new banking products from CapitalOne in this time frame. I also closed my only remaining deposit account with them on XX/XX/XXXX. I disputed these inquiries with XXXX XXXX, who said they can only request information on the items one at a time with CapitalOne. This must be a rather slow process, because I initially sent the dispute to XXXX on XX/XX/XXXX It is now XX/XX/XXXX and the representative from XXXX told me so far that a single item is scheduled for removal. 

I initially tried contacting CapitalOne themselves about this, but everyone I spoke to ( via phone and XXXX ) could only tell me they did n't know why these inquiries were added. There was n't even a rote answer prepared, just 'I do n't know '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I just needed 1 credit report from 1 of the companies. 
XX/XX/2022 I tried 6 times getting my free credit report via XXXX as listed on XXXX XXXX XXXX 

The first 4 times I tried doing it online. 
I tried XXXX XXXX. It put my incorrect current address, though I filled out the form correctly. 
And then : " Page not found The page you requested does not exist or can not be found. 
Please return to XXXX and follow the steps on that site to request your free annual credit report. '' I tried Experian twice via webpage too. 
Each time they gave non-relevant security questions where I checked : none of the above. 
The page said ( and there are no typos I'm writing ; the webpage had the typose ) " we have experienced an issue processing your request. We-re sorry, we are unable to process your request at this time. Please contact our Costomer Care Team at XXXX for additional help completing you request. The Costumer Care Team is available between XXXX. '' The second 2 times i tried doing it on the phone XXXX 1st time ( XXXX ), the automated system kept getting my name wrong, and there was no confirmation the computer got it correct, since the software didn't repeat the spelling of my name back to me. 

The 2nd time, a similar thing happened with Experian. 

I hope i get the reports mailed to my address, but there's no confirmation that the info was inputted correctly by the software.

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 2022-02-02
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: Account information incorrect

Complaint:
I have about 16 inquiries thats fraudulent on my report and needs to be removed.Ive contacted the bureaus equifac and transunion they are telling me to contact the lenders and I dont even know these lenders And also I have sent several dispute letter when it comes to the collection accounts thats on my report they all unauthorized as well and needs to be removed from my 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 non-monetary relief
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted 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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted 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 2022-02-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX )/ XXXX / {$6800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX )/ XXXX / {$110.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) / XXXX {$75.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: NM
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:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation