BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
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:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date XXXX XX/XX/XXXX XXXX, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.

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 2018-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continue to call my job, leaving voice messages on the company voicemail system. 
attempting to collect a debt that does not belong to me. they have been asked to stop contacting this number for its an office and they have been told time and time again that i have no knowlegde of this debt they claim i have. i wish for them to stop contacting my place of work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: AL
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 LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS 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 2021-01-25
Company: Delta Outsource Group, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A an agency called Delta Outsource Group claims they are collecting a debt for XXXX XXXX  - XXXX. However, I settle that debt with another debt thru a consolidation company called XXXX XXXX who negotiated a settlement, which included decreasing the balance, with XXXX XXXX and another company. I paid XXXX XXXX approximately {$250.00} per month for 2 -3 year, ending in 2016, with which XXXX XXXX paid the XXXX XXXX and the other company 's attorneys and told me not to reply to those companies when they contacted me. I did as they said then the debts was settled. I still have records of my payment information with XXXX XXXX. 
Now Delta Outsource Group claims I owe the approximately $ XXXX that was already paid thru XXXX XXXX. Delta Outsource Group claims that doesn't show in there system. If they continue to try to collect money from me I will go to court with this issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: OH
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:
After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with  XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.

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 2021-01-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 40 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have several student loans with Navient. I just graduated college in XX/XX/XXXX and received a notice from Navient that my repayments would be begin in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I checked the Navient website and it stated no payment due until XXXX. As of XX/XX/XXXX they charged me interest for XX/XX/XXXX and XX/XX/XXXX,  and a late fee from 2008 (?! ) and are requesting a triple payment. When I called to inquire they stated my school had not updated the clearing house until XX/XX/XXXX. They said I owed all of the payments, interest and late fees regardless of the fact that this was an issue between my school and Navient. Best of all they offered me a Forbearance. That way they can tack on more and more interest to my student loan debt. I have called them twice and they refuse to help me other than to give me a Forbearance. I did everything I was supposed to do but yet I am getting hurt financially by a company that makes billions. I'm one student in America. How many other students are they doing this to? It's criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16
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: Problem with personal statement of dispute

Complaint:
I have a auto lease with XXXX XXXX XXXX XXXX XXXX. Due to Covid 19 Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, XXXX reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have a auto lease with XXXX XXXX XXXX XXXX XXXX. Due to Covid 19 Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, XXXX reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion 4 times about a hard inquiry on my credit report. They will not dispute it. I have contacted the company XXXX XXXX XXXX, XXXX IL and they sent me a email that I should submit a dispute through transunion, the only credit reporting Company that has not contacted them. It has been removed from the others but not transunion. They keep giving me the run around and telling me to do this or that. I have sent them 4 letters disputing this and I get nothing but XXXX  letters back.

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 2021-08-08
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: Their investigation did not fix an error on your report

Complaint:
The United States Bankruptcy Courts have said they do not report on credit reports. The Bankruptcies are not mine and should be deleted. I have tried several times.

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 2020-09-22
Company: EQUIFAX, INC.
State: TX
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 requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. Equifax and XXXX  said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill ) with my name on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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:
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), EXPERIAN is required to respond to a consumers and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. EXPERIAN has violated the FCRA and did not respond within 30 days.

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 2020-05-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company is reporting incorrect information on my credit report and refuses to remove it, even though it is demonstrably incorrect. Specifically, the company is reporting that I made one late payment in XX/XX/XXXX. This payment was not late. In XX/XX/XXXX, I requested that the company opt me into automatic payments and that the company provide a credit interest refund to my account. The company provided the credit interest refund. They confirmed via phone during this conversation that the automatic payments were indeed set up, but I later found out that they were not.

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 2023-01-29
Company: Experian Information Solutions Inc.
State: TX
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:
number XXXX N accordance with the fair credit Reporting act XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also st
ates a consumer reporting agency can not furnish a account without my written instructions Account 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: Service Finance Holdings, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX XXXX XXXX and I have a loan with SERVICE FINANCE COMPAN with the account number XXXX and I noticed the inaccuracies and error displaying on this account. The payment history is not making any sense. The 120 days late which was tagged in different months was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Information belongs to someone else

Complaint:
Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.

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 2020-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: Merchants and Professional Bureau, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Original debtor sold my account to this collection agency after they filed insurance and they would not pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX to try to put a freeze on my credit report with Equifax following their data breach, and whenever I go through their online application I get a message upon completion that there is a system error # 500 and that I should try again later. I have implemented freezes with XXXX and XXXX with no problem, but Equifax is none responsive. I 've also tried their call center, but their emergency call center simply has referred me to another center where I am put on endless hold. 

Particularly in light of their data breach there should be some vehicle for implementing freezes on Equifax accounts, or simply a requirement that Equifax be prohibited from providing credit reports until their systems for implementing freezes are available to all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Bonneville Billing and Collections
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:
Bonneville is reporting 2 erroneous debts on my credit file that are not mine. These accounts are my Ex wife 's. I have spoken with my attorney and he confirmed that i am not responsible for that debt. This needs to be removed off of my credit file immediately. I do not owe this debt, this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2017-12-19
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
It was brought to my attention that I have a debt collection on my credit ( {$3300.00} ) for a student loan that belongs to my brother who filed bankruptcy in 2015. I am in the process of purchasing a new home through the VA Loan program and can not proceed any further until I get this issue resolve. I am also going through my security clearance update in the military and they showed the debt with a XXXX balance. 

I thank you in advance for your time and support!

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 2021-01-25
Company: LEXISNEXIS
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:
There are many inaccuracies on my report. LexisNexis continues to tell me that the insurance carrier, XXXX, has 'verified these as accurate ' however, the information is wrong and has been edited to reflect my information, after the claims were disputed, even though these claims are not mine. They are either fraudulent, or more so, I believe LexisNexis and XXXX are confusing my information with someone else 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I verified my credit score through the Experian website, and at that point in time, my score was XXXX. Today XX/XX/XXXX, I received an email informing me that there was a change in my credit score. I thought it had increased by a point or two because I have not had a single late payment in over a decade, nor have I made any changes to my financial responsibilities. I was shocked when I saw that my score had dropped to XXXX for absolutely no reason. This is an abuse from Experian and a way to force a person to subscribe to their Experian Identity Credit Service to " boost '' our credit score. 

Please let feel free to contact me if you need anything from my end. 

Thank you.

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