BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: WI
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 credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to Specialized Loan Servicing from XXXX XXXX without notifying us of cancelling our auto payments or changes in our loan. We received a certified letter stating that we are in default of a loan to this company which we were unaware were our service provider. Out of desperation and fear of losing our home, we went through a trial modification process where we performed fully, and then we were told the rate would be 1 % higher than we were led to believe we would receive. Our credit has been damaged by reportings of default, We appealed for a second review to adjust the rate. We can't refinance due to bad credit, and they won't fix our credit. We are stuck because we cant refinance, and they are sticking us with a higher rate due which is not what we would have had if we were notified of the change. Our luck with SLS has not been good and they are inflexible and completely uncaring for what has happened to us. 

We did everything asked of us as our credit was being destroyed and SLS was not willing to be fair. We have attached the claimed correspondence we received from SLS. We never received notification from XXXX XXXX of the change, and notification form SLS was well into this process after it was too late to simply continue. We always worked hard to do everything in our power to keep our credit good. These 2 firms have destroyed our credit and finances. SLS has also refused to let us know who our loan is now owned by. I have asked many times

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Early Warning Still Has Not Resolved My Issue And Still Have Not Remove The Block For The Fraud Accounts That Where Open With My Social Security Number. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Early Warning Claims This Accounts Where Already Disputed And That The Blocked Will Remain On My Consumer Report For Opening Checking Accounts Or Saving Account For The Future and They Are Requesting For Information In Writing About This Account For They Can Disputed in XX/XX/2018 XXXX Requested to Early WARNING To Remove the block for any XXXX   Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Santander Consumer USA Holdings 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:
1. I am over the age of XXXX and am a resident of the State of Texas. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. 1. SANTANDER IN REFERENCE TO ACCOUNT # XXXX 2.I CANCELLED MY CAR WARRANTY WITH XXXX, XX/XX/XXXX 3.THEREFORE I WAS DUE BACK THE BALANCE OF {$2300.00} 4.XX/XX/XXXX XXXX REFUNDED THE XXXX TO SANTANDER BECAUSE THEY ARE THE LIEN HOLDER. 5. I HAD A ACCIDENT XX/XX/XXXX, DUE TO THE INSURANCE TOTALED THE CAR AND PAID OFF THE ENTIRE CAR XXXX, BY XX/XX/XXXX. 6. LEAVING THE BALANCE OF {$14000.00}, IN WHICH SHOULD HAVE BEEN A BALANCE OF {$2300.00} LEFT, DUE BACK PAYABLE TO ME THE CUSTOMER, XXXX XXXX THAT IS ME. 7.SANTANDER CONTINUED TO DEBIT MY ACCOUNT FOR THE CAR PAYMENT AFTER BEING PAID OFF, BY THE INSURANCE. 8. SO BY XX/XX/XXXX SANTANDER WAS COMPLETELY PAID OFF IN FULL AND THEY STILL TOOK THE PAYMENT OF XXXX FROM MY XXXX ACCOUNT OF WHICH I HAD TO FILE A CLAIM WITH XXXX TO REVERSE THE {$520.00} 9. SUMMERY I REQUESTED THE {$2300.00} PLEASE BE PAID BACK TO ME FROM SANTANDER, AND TO REPORT ON MY CREDIT REPORT THE CAR BEING PAID OFF IN FULL, AS OF XX/XX/XXXX, MY CREDIT REPORT IS STILL SHOWING XXXX WHICH IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
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 is missing that should be on the report

Complaint:
My XXXX XXXX credit card is missing completly from my Experian credit report. It is an ACTIVE credit card, and its appearing on all my other credit reports with XXXX  and Transunion. 

By removing my XXXX XXXX card from my credit report, Experian is reporting my total credit usage at over 80 % and that makes my score is being reported 50 points lower, because of this. My score is HIGH, above 700 on two other agencies, who still report my XXXX XXXX credit card, it was High with Experian too before XXXX XXXX disapeared. 

I am a paying member of Experian credit service product. There is no way for me to dispute the information as wrong on Experian web site. This is because the credit card does not appear in the credit profile at all. There is NO funcutioal way to select " other '' if it is not appearing on my credit report. How do you dispute something that is not there? 

Why is it removed all together? I checked my credit report via my Experian product for closed cards too. it is not appearing in that area too. Attaching screen shots of the card being present XX/XX/XXXX and streen shot of today shows NO XXXX  XXXX card. 

In reporting this complaint, I am selecting the check box to give permission for Consumer Finance Prtection bureau to publish my report for consumers to read. This makes NO sence how a credit card can just disapere? And, that my creditt score drops to 50 points because of the error, it prevents me from getting Credit products I want to apply for. Unless the credit provider excludes Experian and uses only XXXX or XXXX. XXXX and XXXX, XXXX XXXX them, they are still report my XXXX XXXX Card on my credit file, and report my Fico as HIGH fico. 

Please experian - resort my XXXX XXXX card to reporting, and Rapid frefresh my  score. 

Also - there is a fraud allert on the Experian report. Remove it, as I have a credit protection account with Experian i can monitor my own credit. I see no evidence of unauthorised credit pulls.

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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.

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 2019-05-26
Company: Experian Information Solutions 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 reported to Experian, XXXX, and XXXX XXXX that there was a false name by the name of XXXX XXXX XXXX on my credit report, that my work history was incomplete & only contained 2 of my employers on it, and that someone is using my credit file. I reported also that there is also a quasi governmental official who is keeping my credit at a certain level for all three bureaus and take points away depending on their needs. I also am reporting that they are also keeping my credit at a certain level according to different ongoing factors that are being engineered and reported in real time such as my search for an apartment and other things I may need credit for, especially Experian. Experian also offers the Experian Boost service which I have attempted to use on several occasions and that they will not allow me to use the Experian Credit Boost feature even though I am paying for Experian services each month. I am also stating that these individuals are taking and giving points only my credit score according to some sort of racket and fraud, and they are being taken away for a person falsely and illegally linked to my credit file.

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 2019-10-08
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dates : XX/XX/19,XX/XX/19 Amount : {$2100.00} ( an estimate ) Company : Jacob Law Group After receiving the first letter notifying me of the debt, I requested a verification letter. I received copies of bills paid previously. 

I reached out and advised I want to take care of the debt but am unable to pay the entire amount. 

XXXX asked Well how much do you have? And said with the sarcasm, So you dont have anything? 
Then asked if I received a court date knowing that I didnt have a court date for anything. ( Scare Tactic ) This place and their employees are a disgrace! A disgusting place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I applied for a PPP loan for self employee people, I completed the applications and provided schedule c  as documentation that is needed in my paticular case, unfortunally Citi bank was requesting form XXXX  to be provided which was wrongfully ask because in my case schedule C  is the form they need to approve my loan. on XX/XX/XXXX citi bank send me denial letter because I did not sent form XXXX  and that is 100 % incorrect, Now I am complaining because if they are doing this to me that means all self employee like me that qualify for ppp loan are being denied and that is unlawful, under the cares act we are entitle to apply for this loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

15 U.S.C. 1668 section 602 A. States I have the right to privacy.

15 U.S.C. 1668 section 604 A section 2 : It also states a consumer reporting agency can not furmish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
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: Account information incorrect

Complaint:
XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX  - Experian - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to XXXX - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

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 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 never missed any payments on the following account XXXX XXXX XXXX XXXX - XXXX XXXX. Please investigate to ensure accurate reporting.

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 2017-11-18
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a second complaint regarding the same issue i.e. PNC Bank 's lack of response to our original request as detailed in CFPB Complaint number XXXX. 

Specifically we request PNC to comply with our Attorney 's Demands for an immediate Reconveyance and Production of Documents for PNC Lien Account number XXXX. 

Our Attorney had sent the first Demand letter dated XX/XX/XXXX with response requested from PNC by XX/XX/XXXX. A second request was sent on XX/XX/XXXX with response requested by XX/XX/XXXX. Both letters Demanded an immediate Reconveyance and Production of Documents for PNC Lien Account number XXXX per our legal counsel, neither Demand was acknowledged or answered PNC 's final response to our initial complaint was they did not receive the letters. This is not accurate as both were sent via Certified Mail, return receipt requested. Both letters are attached to our original complaint. As a older veteran caring for a XXXX wife PNC 's lack of response to the points detailed in the letters from our Attorney is causing us great emotional and economic distress. I would ask the CFPB to demand the immediate Reconveyance and Production of Documents or have PNC respond as to why they will not comply with the law as outlined by our Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Nicholas Financial Inc.
State: LA
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:
Account on my credit report shows closed, delinquent, and derogatory. However, loan balance shows {$0.00} ; Monthly payment shows {$0.00}. Account was opened XX/XX/XXXX and shows closed as of XX/XX/XXXX. No other information is showing for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Experian Information Solutions Inc.
State: LA
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 never missed any payments on the following account XXXX XXXX XXXXXXXX XXXX - XXXX XXXX. Please investigate to ensure accurate reporting.

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 2018-08-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/18, I received an email from Navient claiming I had a total amount due of {$400.00} on XX/XX/18 even though the company previously had emailed me a statement claiming that I had a total amount due of {$210.00} on XX/XX/18. The amount is supposed to be an income-driven payment. Meanwhile, I have made additional payments that are not being credited to the amount due. I sent an online complaint to the Navient Customer Advocate on XX/XX/18 and later received a voice mail at a time of day when I was

XXXX XXXX and could not call back. Since then, I still have not received written correspondence from Navient. Also, an earlier complaint I submitted to CFPB regarding the repeated inability to sign in to Navient 's Web site still has not been resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Peterson Enterprises, Inc.
State: WA
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 am writing to VALLEY EMPIRE COLL CO agency because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the mark in my reports prevents me from achieving the desired results. 
I am kindly requesting VALLEY EMPIRE COLL CO agency to remove this collection from my credit reports as a gesture of goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Nevada Credico, Inc.
State: LA
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:
Unknown account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Ad Astra Recovery Services Inc
State: LA
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:
Account from AD ASTRA RECOVERY SERVIC shows a balance of {$1500.00}, and and open date of XX/XX/2015. There is no additional information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX through XX/XX/XXXX, I was contacted my Navient student loans demanding that I pay $ 500- {$600.00} a month student loans. I explained to them that Im pursuing more advanced edication. In addition, I do not have $ 500- {$600.00} to pay on student loans a month. I asked if there were other options for paying at a lower the monthly rate, but I was told no. I asked about consolidation and was told they didnt service that type of service. I told them I couldnt pay that amount, but I would try to pay something. I was told to pay the monthly amount or no other payments would be accepted and that this would go on my credit report. I was upset and still am to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My XXXX year old father went to his PNC Bank in XXXX MD with a withdrawal slip in hand to get cash from his checking account. He does not use the cash machines at his age. 

My father asked XXXX at the PNC Bank front desk to help him fill in the withdrawal slip to get {$400.00} cash from his checking account. Instead XXXX talked my father into getting a second credit card ( he already has a XXXX credit card from this bank and puts about $ 1,000/month on it ) XXXX neglected to tell my not-tech savvy father that this new credit card had a annual fee of {$85.00}. My father didn't need this, didn't want this and asked me to help him figure this out. Shame on you, XXXX! 

I'm sure XXXX decided her signing bonus was worth more than talking an elderly individual into something they didn't want or need. I find that reprehensible. 

I am ... a daughter who is helping her father stay independent by being his bookkeeper.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED O N MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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