BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experian is breaking several laws. They have been continually reporting erroneous information on my consumer report. This is not any type of credit agency, Im upset and want this issue handled now they are ruining my reputation and my mental health.

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 2019-04-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My parent and I had settled a private student loan with the private student loan servicing company Navient in XXXX. Since the settlement, we had not received any further communication from Navient until recently XX/XX/XXXX from different sources regarding the information on the same accountXXXX XXXX XXXX is a third party debt collector who obtained unsolicited personal information on my co-signer and contacted them regarding a settlement that has already been resolved and paid in full and no longer owed for the student loan from an unknown company with the phone number XXXX. An additional source has obtained my personal unsolicited information claiming the same Navient account and debt have been forgiven as part of a class action suit from a company called XXXX from phone number XXXX who claimed to obtain my information from a Database. 
The company called and left an automated message regarding a class action lawsuit for my loan in which it has been forgiven. Upon further investigation, this was found to not be confirmed. 
I and my borrower have not opted in for any information from these companies and it appears our information has been compromised, misrepresented, illegally obtained or shared by Navient, in addition, to incorrect reporting to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BARCLAYS BANK DELAWARE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX XXXX. I called XXXX and was trying to explain that I need an address removed from my profile. 

XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX ( Multifamily ) I do not recognize the account, XXXX  it got XXXX XXXX  XXXX XXXX? They had no idea why I am calling I explained they never heard of me. XXXX claims this account is associated with a creditor and would not say who? I need help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Barclay Bank of Delaware  This account is paid and resolved and settled. They will not entertain anything to remove it. Please help! 
Regards, 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 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ITEMS DOES NOT BELONG, PLEASE RE-INVESTIGATE AND HAVE THE NEGATIVE ITEMS REMOVED OFF 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 explanation
Consumer complaint received 2019-04-11
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX19 Currently my SLS account report history on XXXX and XXXX still shows negative payment which recently caused a bank lender to refuse to accept a new personal loan. 

SLS currently shows : 5 times over 30 days late 5 times over 60 days late 6 times from 90-120 days late I have discussed with my lender on many occasions several to please update this as it is seriously limiting my financial ability to remodel my home and other investments. 
Sincerely, 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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting an Investigation to a XXXX XXXX XXXX for DEROGATORY information they have placed on my Credit Reports for 4 consecutive years I bought a XXXX XXXX in XXXX, paid the car for 3 years in the amount of {$440.00} and in XXXX, I had a accident and the car was Totaled by XXXX XXXX. The Insurance PAID XXXX XXXX the balance owed in the amount in excess of {$7600.00} and closed the file. 

I received a call from a Representative of XXXX XXXX who said the Balance was paid off and XXXX XXXX covered any residual balances. 8 months into the year, as I was checking my Credit File, I noticed a {$2400.00} balance reported on my Credit Files by CXXXX XXXXce ... .I called and ask what the balance was for, the Represented said it was residual balance from that XXXX XXXX and it could be settled. I told them XXXX and XXXX  PAID OFF the car as they - XXXX XXXX XXXX confirmed it in XX/XX/XXXX. 

While I continue to keep an eye on my Credit File, one Blessed Day I generated my Credit Reports and noticed the XXXX XXXX had climbed from {$2500.00} to {$9900.00} without any notice or supporting documentation from XXXX XXXX quantifying the balance ... .No Statement, No Reports, Nothing. They have been reporting this BOGUS Balance since XXXX as LATE PAYMENT FOR A CAR I DON'T HAVE. I have repeatedly asked XXXX XXXX XXXX if the {$9900.00} was interest, NO ONE from this Company can explain to me .... 

I reached out the California Attorney General 's Office and reported this matter, and they reached out to the Attorneys at XXXX XXXX XXXX. One of the Attorneys agreed on a Settlement Amount of XXXX for me to pay, which I did on XX/XX/XXXX via my Debit Card. As of XX/XX/XXXX EVEN AFTER THE {$1900.00} PAYMENT, Credit Acceptance IS STILL REPORTING my Account as LATE in the amount of {$9900.00} I want XXXX XXXX to DELETE ALL 60 months of DEROGATORY Reporting from XXXX XXXX going back to XX/XX/XXXX to date i.e. XX/XX/XXXX. MY XXXX SCORES have been damaged PERMANENTLY because of Credit Acceptance. They have continuously reported INCORRECT BALANCE which can not be quantified or verified Please help me resolve with this Company which has a reputation to RUIN LIVES and CONSUMER FILES ... ..THEY HAVE BEEN SUED by several Attorney Generals including Massachusetts because of BAD BUSINESS PRACTICES just as I'm facing today Thank you 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 2021-06-10
Company: EQUIFAX, INC.
State: MS
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:
Good day my name is XXXX XXXX. I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Bread Financial Holdings, Inc.
State: CA
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 closed a XXXX XXXX credit card over two years ago, but it looks like I just closed it in the last month, which is inaccurate. I decided to close the card due to redundancy & less use, so I went through the process online with the website, and assuming the messaging was accurate and logging data I never even had to call to speak to someone, assuming the XXXX XXXX the brand propagated was accurate. 

I just confusingly learned from an auto-generated email about my account address being changed a.nd officially finally cancelling successfully, with a human being to confirm and everything. There 's a ~6 month gap of any communication to me regarding my card, thus indicating data loss likelihood and supporting my assertion that the card had been closed properly. I recall that the website was undergoing massive tech changes/updates/bugs during that time, so this mixup and any record of the event is only strongly supported by the subsequent 2.5 years of inactivity and {$0.00} balance. Regardless, the company told me they could n't file anything to resolve it internally or on my behalf, and informed me I would have to submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
There is an incorrect 30 day late payment reporting for the month of XX/XX/2021 on my Bank Of America Account XXXX with a credit limit of {$1700.00}. This information is false. I have never been late on a payment, it must be some kind of bank error. Please remove this late payment in XXXX and update it to show current.

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 2021-04-16
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a account with cash app so does my fiance on XX/XX/XXXX I sent her {$1000.00} from my cash app account she then sent me back {$250.00} the same day we send money to each other like this often but I never received the money she sent, cash app or Square says the payment was received. I ended up signing out of the cash app by mistake and cash app now tells me I will need to open a new account and then they will merge my new account with the old and I should have access to my funds which after a month of e-mails back and forth has not given me access to my funds or my original account with my money the {$250.00} in it. They are saying for security reasons they can not give me access even thought I have provided my full legal name and full social and state zip. My fiance? Who has cash app and sent me the {$250.00} lives at the same address so not sure why they can not verify its me and legit and trace down my money and give me access to it..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent certified letters to Equifax, XXXX and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since Equifax, XXXX and XXXX received my correspondence which contained a copy of my valid Driver 's License, my utility bill for proof address, a notarized Identity Theft Affidavit and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by Equifax, XXXX and XXXX and unable to fairly obtain housing, credit, loans or employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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:
Experian and XXXX XXXX refuse to remove a negative reporting ( a 30 days late ) payment even though XXXX XXXX agreed that the 30 days late payment was because of something that was their error. XXXX XXXX notified me of the change of reporting via mail on XX/XX/19 and I forwarded what XXXX sent me via their XXXX office to Experian. Experian refuses to do their due diligence and investigate this further and remove it from my account! Please have Experian remove this from my account ASAP

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 2017-11-06
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had for many years a private student loan with XXXX XXXX XXXX,XXXX. In XXXX 2017 they sold my loan to a company called XXXX XXXX XXXX XXXX, They have a company that handles their payments and collections. That company is XXXX XXXX XXXX, XXXX. They have 2 addresses ; XXXX XXXX XXXX XXXX, XXXX, Wi. XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI. XXXX. E-Mail at XXXX, Web address XXXX XXXX XXXX. Since the sale of my loan I have been receiving a monthly statement that claims that I have a missed or late payment. I do not have a missed or late payment at all, this is a mistake made by XXXX. I have telephoned and e-mailed XXXX every month since they took over my loan trying to straighten this out. XXXX agrees with me that it is a mistake, and I have correspondence from them to back this up, but I am still receiving a late payment statement from them every month plus they are charging me late fee interest on the balance of the loan. I want to file a complaint so that someone can step in and straighten this out for me as it will have a negative effect on my credit score plus they are cheating me out of money in interest and late fees. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my XXXX, Equifax and XXXX  Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my Transunion, XXXX  and XXXX  Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.

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 2021-10-20
Company: EQUIFAX, INC.
State: CA
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX XXXXXXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXXXXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Nelnet, Inc.
State: AZ
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:
Discovered that Nelnet does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of Nelnet. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX  and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. Nelnet never communicated with me to notify me of loan payments being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Equitable Acceptance Corp
State: SC
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:
The supported company " Equitable Acceptance Corporation ( EAC ) '' is a fraudulent company that has taken my personal and highly secretive information ( such as name, address, bank info, SSN, etc ) and used it for fraudulent purposes without my permission. They claim to forgive student loans in 3 years if you pay {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. NOTE : Loan consolidation can be done for free by the person taking out the loan. The information on the contract is incorrect and the information in which the Student Advisors for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. NO LOAN CAN BE FORGIVEN IN 3 YEARS. The EAC consciously obtained my information to commit fraudulent acts and have now attacked my credit with an account that was opened on false pretenses. The account in which they ran against my credit is not even a loan, it is addressed as a credit card. If trying to pay back my student loans were not hard enough it has become increasingly challenging now that I have to worry about identity theft. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. 

In attempts to call and cancel with EAC, no one ever answers. However, when receiving calls from them, they harass you. They told me I could not cancel and that they already ran my credit. It is hard to see people of this nature taking advantage of those trying hard to live a good life. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX,2017 I was informed by an Equifax REPRESENTATIVE that they have update a status on my student loans to read bankruptcy. I never disputed these items nor did the creditor report this. The information was being reported accurately initially. What happened was the representative was negligent and did not read my dispute letter. The account I was disputing had nothing to do with my student loans. My students loans were being reported accurately. So the representative took it upon them without receiving correspondence from creditor or myself.

Company response to consumer: Closed with explanation