BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in reference to XXXX, Equifax, and XXXX. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX  is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: PA
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:
I received a letter yesterday closing my CitiBank Credit card. I understand I have not used it for an extended time, but in addition to listing this as a reason, Citi advised that they ran a credit report and cited delinquencies, late payments etc ... 
I never authorized a credit report being run and they had not reason to do so as it was not a new credit request or a request for additional credit. The issues relating to my credit report are patently FALSE and they never provided me with a copy of the credit report nor the credit reporting agency used.

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 2020-04-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX sent out a letter to equifax stating an account on my report need to be verified. Still no communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: WI
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: AES/PHEAA
State: VA
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 was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX  XXXX XXXX at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: MI
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:
We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company XXXX reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days ( which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXXXXXXXXXX   ) it was current, nothing past due. So XXXX mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are incorrect Late Payments on my Credit Report. 

XXXX XXXX XXXX Account # XXXX Late Payment : XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: PA
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 reached out Experian on 3 separate occasions about this debt being incorrectly reported by XXXX XXXX XXXX. I have also reached out to XXXX XXXX as well. The date of first delinquency has been WELL over 7 years, and when informed of this, and told that the last activity on the account was almost 8 years old. Inspite of this, Experian has not verified the accuracy receiving nothing from original creditor ( XXXX  XXXX ) or account summery when last activity was, only asking XXXX XXXX XXXX to verify. XXXX XXXX XXXX fraudulently reported incorrect dates that have no documentation to verify the accuracy from original creditor. Only items provided was that there was delinquency 's from XX/XX/, but nothing on the status prior, because it would show there was delinquency then as well making the debt much older then is allowed to be reported.

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 2021-05-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i wanted to remove my credit card number from Experian.com. There is an option to change your credit card but no option to delete your account. Additionally when I changed my password, I discovered that their online security is very weak. 

I expect much more from Experian

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 2020-07-15
Company: Experian Information Solutions 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 had a deferred interest loan/card with XXXX XXXX  / XXXX XXXX XXXX - I paid account IN FULL - before it was due, and that balance was over 45 days ago. The company REFUSES to accurately report my balance to the credit bureau as {$0.00} balance. When calling, I am told the only option I have to report {$0.00} - which company verifies my balance is indeed {$0.00} is to CLOSE the account. In both instances - closing my account as well as FAILING to report my ACCURATE balance hurt my credit score and financial image. I want the account to be open, I may need a product using this company in the future. However, regardless, they have a duty to accurately report my balance to all 3 credit bureaus.

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 2020-04-20
Company: Sequium Asset Solutions, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company XXXX reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days ( which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXX ) it was current, nothing past due. So XXXX mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.

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 2023-07-27
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I gave updated information regarding this fraudulent account ( account XXXX ) on my credit report that the debt collector requested. I'm aware that this is all that's needed to process this false 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 2023-05-08
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 explanation
Consumer complaint received 2017-12-15
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$4000.00} loan from Mariner Finance on XX/XX/2017. Upon paying my first monthly payment of {$170.00}. Only {$50.00} was credited to my balance. I called and asked why. I spoke to XXXX at the office who is the Asst, Manager, he told me that I have a Per Diem of {$4.00} per day. Then Later said my Per Diem was {$4.00} per. I asked him why was n't I informed of this and he stated that that 's how the company works. In total i was told that my loan of {$4000.00} was going to technically be paid dollar for dollar making my total owed to Mariner finance {$8400.00}. 
I was not informed of any of this, nor was i informed that I would be paying over {$8000.00} in the long run. 

Lastly, Mariner Finance put a life insurance policy on me and stated that they loaned me {$4500.00}. But the loan was on {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EGL US, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Victim of ID theft XX/XX/2023, via electronic device contacted the company and tried to work out the issue. They did a charge off for the amount of XXXX which was show on my credit report. The company is BMG loans at work with account number ending in XXXX. I received a notice from a collection agency named XXXX XXXX XXXX XXXX phone number XXXX dated XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage is my lender. 

The company charges a XXXX $ " Included Draft Fee '' when making an additional payment. 

An agent with the company told me that if I was included in paperless I would not be subject to the Included Draft Fee. 

I feel like people should be entitled paper copies of their mortgage statements AND not be subject to an additional fee when they are already paying hundreds of thousands of dollars to their mortgage company.

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 2017-12-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute  XXXX XXXX XXXX all filed to the ftc

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2020, I checked my XXXX  XXXX  XXXX  and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, XXXX, TransUnion, and XXXX. 

Thank you in advance!

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 2017-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
About 2 Fridays ago I was wrongfully " Denied '' a loan because of some type of negative credit entry on my " Experian '' credit report. I immediately contacted " Experian '' and they promised me to immediately mail me my FREE copy of my " Experian '' credit report. As of this writing ( 2 weeks later ) I still have NOT received my " Experian '' credit report in the U.S. mail as " Experian '' promised me 2 weeks ago!!!

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 2020-11-25
Company: TRUIST FINANCIAL CORPORATION
State: MN
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:
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, SUNTRUST XXXX XXXX XXXX add a hard inquiry on my credit report per 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 2020-09-14
Company: Navient Solutions, LLC.
State: CA
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:
In 2006 sallie mae had split with Navient. Im somewhere in the middle, it considered federal FFELP but is private. Ive been unable to take advantage of the Pandemic assistance because of this. This whole time ive kept making my paymemts even though i am unemployed. For years Navient had steered me into Forbearance time and time again. Why am i not notified about income driven repayment. Because of the extra pandemic funds i want to settle this debt once and for all, i have had this student loan for 15 yrs. Why will they not settle? Im lead to speak to an attorney for student loans. I have no choice and want to limit further harrassment from Navient and multiple calls per day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EDvantage LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had mailed them a letter datedXX/XX/XXXXrequesting that they discontinue calling me. I had received an acknowledgement letter to my request dated XX/XX/XXXX. I did receive another phone call from them on XX/XX/XXXX at XXXX XXXX in which they did not leave a message. Then I have received another phone call with a voice mail from supervisor named XXXX XXXX this morning XX/XX/XXXX at XXXX XXXX wanting to follow up on my letter asking them not to call me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE FOLLOWING ACCOUNTS ARE NOT MINE, MY IDENTITY WAS STOLEN AND CREDIT WAS EXTENDED WITHOUT ME KNOWING FRAUDULENT ACCOUNTS : XX/XX/XXXX -LIT -ACCT # XXXX - {$2400.00} XXXX -XXXX XXXX -ACCT XXXX XXXX - {$26000.00} XX/XX/XXXX -XXXX  XXXX XXXX -ACCT # XXXX - {$320.00} XX/XX/XXXX -XXXX   XXXX -ACCT # XXXX - {$930.00} XX/XX/XXXX -XXXX  -ACCT # XXXX - {$440.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$150.00} XX/XX/XXXX -XXXX XXXX  - {$5000.00} XX/XX/XXXX -XXXX   XXXX  XXXX - {$340.00} XX/XX/XXXX -XXXX XXXX XXXX - {$3200.00} XX/XX/XXXX XXXX XXXX - {$920.00} XX/XX/XXXX -XXXX  XXXX - {$870.00} XX/XX/XXXX -XXXX - {$7200.00} XX/XX/XXXX XXXX XXXX XXXX - {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation