BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX SENT DISPUTE LETTERS TO XXXX, XXXX, EXPERIAN XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX RECEIVED RESPONSE FROM EXPERIAN XXXX SENT DISPUTE LETTERS TO XXXX, XXXX, EXPERIAN XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX RECEIVED RESPONSE FROM EXPERIAN I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.

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 2020-11-18
Company: EQUIFAX, INC.
State: IN
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:
XXXX SENT DISPUTE LETTERS TO XXXX, EQUIFAX, XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM EQUIFAX XXXX RECEIVED RESPONSE FROM XXXX XXXX SENT DISPUTE LETTERS TO XXXX, EQUIFAX, XXXX  XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM EQUIFAX XXXX RECEIVED RESPONSE FROM XXXX  I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2017-08-07
Company: Navient Solutions, LLC.
State: TX
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:
XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Late payments was posted on my credit report, I just came out a rehab program to bring my loans out of default with the company FAMS, that stated all my updated information would be sent over and updated to my new lender. I had no clue who my new lender was until the late payments start hitting my credit report. This is causing me to be turned down for being a homeowner, I called the company and updated all my personal information and I have been making all payments via auto draft from my personal account. Navient is not willing to work with me and stating that my late payments are correct.. I spoke to XXXX XXXX XX/XX/XXXX an she advise me that the late payments are accurate, I went through the program to get back on track and they do n't see how those payment can be accurate when I never knew who my new servicer of my loans would be until they start negatively reporting on my credit report. The late payments dropped my credit score XXXX points. Please advise what can I do.. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: NV
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 pulled my report only to find information reinserted that was not investigated. I have sent in the proper documentation which is my social security card and a recent utility bill and still the wrong address and information is showing on my credit report. There are 2 addresses that do not belong to me one. One being XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX. Equifax had removed the addresses and without any validation reinserted them back on my credit report. Equifax did not notify me by mail within 5 after the reinsertion nor was there any documentation sent to my home in XXXX XXXX. I just so happen to pull up my credit report and saw the erroneous information back on my report. I also know for a fact the reason Equifax keeps reinserting this incorrect information is because of the addresses that is on my report. XXXX pulls up the addresses and the addresses are linked to these credit cards that are not mine. I have asked for signed documentation bearing my signature and no one is willing to provide that. The bank of missouri is on my report 2xs, XXXX, XXXX and XXXX accounts that I have no relationship with. I am a authorized user on my sons credit cards which is XXXX, XXXX, and XXXX  XXXX and recently a XXXX card. Also there is comments on my credit report that I did not put there and I want them removed immediately! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the accounts and the needs attention comment on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Once again this is not a request to investigate, but to update, so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.

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 2019-06-07
Company: GREAT LAKES
State: GA
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:
My student loan was due XX/XX/XXXX and was set up to be drafted on auto pay. I had to take my son to the emergency room which resulted in unexpected expenses and not enough money in my checking account for the draft. On XX/XX/XXXX Great Lakes attempted to take the payment 4 times and then 4 times again on XX/XX/XXXX resulting in XXXX of NSF fees. By the time my direct deposit came through on the XXXX, I was missing over XXXX dollars for a XXXX dollar payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two notifications from XXXX that two debt collections from a company called Capio Partners - XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX were added to my credit report as collections ( one in amt of {$250.00} and other in amt of {$300.00} for Fl. Hospital ). I then disputed the information with XXXX as I had ever heard of this company or done any business with Capio Partners and requested collection agency provide proof of the original debt from FL Hospital or remove the items from my credit report. 
XXXX has provided me the results of my two disputed items above for Capio Partners who has indicated they verified proof of original debt and items remain on my XXXX report. Capio Partners has not provided me with any proof of the original debts with FL Hospital and can not verify the debts to me so they need to be removed from my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: DLC, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The loan Company Dollar Loan Center reported i was 30 to 90 days. I called and caught of tge payment, made it current and I was told that the wouldnt report to the credit bureau, if I paid all the past due interest and made it current. I was told due to Covid 19 they wouldn't report it. The still reported it and it was only 30 days and I paid the interest and made it current. It should have never been reported due to agreement and Covid 19 policy for the company. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was told by the lender 2 years ago that my MIP would be terminated when my equity reached 20 percent. The equity in my house is well over 20 percent but they have not terminated my MIP coverage.

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 2019-06-07
Company: Sovereign Lending Group, Incorporated
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am looking to refinance my VA Mortgage. I contacted Sovereign Lending Group, filled out an application with them and received an offer. After more research I decided to go with another company for a better deal. Sovereign has called me at least six times and every time I tell them I am going with another company. The last two times I have asked them to delete my personal information from their system and to stop calling me. I do not have the dates/times/or numbers that they called me from as at the time I didn't think that I needed to track it. Yesterday ( XX/XX/19 ) I received an email indicating that they still have my information in their system. I am responding again to ask them to delete my information but given their past actions I have zero confidence that they will actually do it, hence this complaint. 

This is the email : Dear Mr. XXXX, My name is XXXX XXXX and I am a licensed loan agent with Sovereign Lending Group in the retention department. I am following up with an application or inquiry you had made recently regarding a refinance of your mortgage loan. 

Interest rate : 3.75 % Skip mortgage payment : XX/XX/XXXX/XX/XX/XXXX Cash out : {$400.00} Please let me know what I can change to earn your business today. You can reach me at Direct line : XXXX Cell : XXXX ( text ) Thank you, XXXX XXXX NMLS : XXXX Mortgage Loan Originator Sovereign Lending Group XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Direct | ( XXXX ) XXXX eFax | ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM REQUESTING VALIDATION FOR THESE ACCOUNTS SHOWING ON MY CONSUMER REPORTS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I cancelled my account with bank of america several months ago in order to avoid annual fee on inactive account. I was just notified by my credit monitoring that the account is delinquent for {$78.00}. I have made no charges since closing account and credit report still shows open which suggests they may not have honored my request to cancel account in order to collect their annual fee. I received no statements indicating any amount due.

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 monetary relief
Consumer complaint received 2017-12-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted the required paperwork for renewal of the IBR plan, a month later they said that my application was missing a signature. I resubmitted the application with the signature first week of XXXX and received a confirmation email on the XXXX that they had received the document. (this is all done within the right time span to still be approved before my payment was due)35 days have passed and now they say they never received it, (which I never got notification) and processing of the application will take more time so my only option was forbearance (which the rep kept pushing me to do, threatening that it will go on my credit report if I did not do it). This is the second year on a row that Navient has done this. When I called last week to ask about why it was taking so long to process my application they said that the application was being processed, I was never informed that they were missing information until now, that my only option is forbearance.Because of their negligence processing applications, I have had to go into forbearance more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: PHH Mortgage Services Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called PHH immediately after receiving my mail on XX/XX/2019 to question PHH about this extra charge on my statement, the agent that took the call name is XXXX, I.D . XXXX or XXXX. also called back this morning to find out what state the removable of that charge in the person that took the call, name XXXX I.D . XXXX XXXX said that they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$0.00}, {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my 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 2023-07-03
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-07
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My issue is with Care Credit/Synchrony Bank. I had this credit card/account since 2014 and it has been in good standing. Whenever I paid down my account they seemed to lower my available balance which is bad for my credit rating and annoying, but not why I'm here today. I went to use my card that had a XXXX balance back in XXXX at my dog 's vet and was told it was declined. After my inquiry to Care credit, they said my card was canceled and they would send me a letter telling me why. 

I got a letter saying they were basically auditing their files and my creditworthiness was not good enough. They quoted me a very low credit score in the XXXX range which was not accurate. I have since waited a few months and even acquired another credit card held by synchrony bank, an American Eagle store credit card. This card has a XXXX  balance currently. ( see attached credit report XXXX Today I applied for a care credit card and was denied immediately due to " delinquent past or present credit obligations with synchrony bank ''. ( See attached denial ) As stated previously I don't have a delinquent history ( See attached credit report showing my history ) with them and my current status is also favorable. I feel that the systematic lowering of my balance, then closing my account altogether without notice and now the denial of credit to me is discriminatory in nature. It cant possibly be based on my creditworthiness as they state. 

A quick search of XXXX resulted in many, many other people who have similar situations with credit being closed without notice so I feel compelled to write today and take my issue to this level in order to get help and hopefully some insight that the company has not been able to offer me. 

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