BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
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:
Telephone payment made via XXXX Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

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 2021-09-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Called to schedule payment and gave them the account information and the account number wasnt correct and the payment never went through agent was working remotely and had terrible phone service I requested them to fix this and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Over two ( 2 ) months ago I submitted a complaint XXXX. In this complaint Navient attempted to change the terms and conditions of the loan by refusing to send account information and statements through the U.S. Postal Service ( USPS ) to my XXXX  XXXX, XXXX XXXX, CA XXXX address for account XXXX. 

In response Navient said they will send all future correspondence and statements through USPS. However, since this response on XX/XX/2018 I have yet to receive my XX/XX/2018 statement or my XX/XX/2018 statement via USPS. Navient is in breach of the loan agreement. I want all correspondence and statements sent via USPS to the address stated supra ( XXXX XXXX, XXXX XXXX, CA XXXX ) and will at no time now or in the future use or agree to use Navients website by loging onto their website to get or receive any information electronically in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: FL
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:
per your investigation you have written and concluded that XXXX XXXX XXXX and XXXX XXXX have been DELETED from my credit report. However, after carefully review my credit report on XX/XX/2019 I still see both account appearing on my credit report. This is a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was put in collection around XX/XX/2017, by XXXX for the amount of {$69000.00} which XXXX XXXX issue payment for the amount of {$6500.00} and XXXX amount was {$2100.00} payment in full by XXXX, my ex- husband XXXX XXXX took the checks for his own personal use which he admitted taking the money, I had giving all divorce documentation to both doctor 's court order on XX/XX/2017 my ex-husband shall be solely responsible for repayment of both of these debts and shall indemnify and hold me harmless with regards to this debt I forwards this papers to XXXX XXXX XXXX, I tried to purchase a house and I cant because I'm in collection in the 3 bureau and my credit it getting damage because of this. Please see attached proof from the lawyers and court.

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 2017-12-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I 've sent Experian, XXXX XXXX Credit Bureau XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached stating to update to my current address along with my Birth Certificate, etc. Experian refuses to update my address listed. It 's been well pass the 30 days on XXXX/XXXX/XXXX and still no response or dispute information. I request Experian to update my personal information such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with the BBB, Attorney General, etc.

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 2018-03-24
Company: EQUIFAX, INC.
State: RI
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 recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any. 

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ). 
I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation. 
The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above. 

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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2017 I purchases a XXXX  laptop computer from the XXXX XXXX XXXX ( XXXX  ) for approximately {$420.00}. The item was being broadcasted on the XXXX XXXX. It offered a 12 month no interest with payments option which I ordered online on the XXXX site, clicked the 12 month promotional financing. I'm set up on auto billing that comes out of my checking account but in XX/XX/XXXX I noticed that I was being charged interest ( about {$8.00} each month ) when the promo was to be interest free. I immediately contacted XXXX XXXX  ( the company that underwrites the XXXX credit card ). They said that they would put my account into dispute and I checked back with them twice, it took nearly 60 days and they responded back to me via email stating that there was never any no interest promotion offered for the computer that I had purchased. To make this short, we communicated back and forth via email 2 or 3 times and they said that I should call them to discuss. To be honest I've spent many hours dealing with this so I decided to just pay off the entire balance of the card and I cut up the card and sent it back with my request to close the account. I went onto a website and published my story and after I checked there was a complaint right before mine with basically the exact same situation. I've paid this account off but I would like people to know that XXXX XXXX   doesn't follow through with promotional financing that is offered to XXXX  customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion has updated the balance when the company has sent a letter directly to delete the account. The collection agency agreed to a pay and delete. Although I have no knowledge of this debt, I chose to settle to prevent further collection activities and harassment. The account was paid in full with a balance of XXXX. The current status shows Transunion changed the amount from {$100.00} to {$78.00} instead of deleting/removing from the credit report. Upon reviewing daily updates provided by XXXX, your updates are inaccurate and incorrect.

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 2018-03-24
Company: BARCLAYS BANK DELAWARE
State: IL
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:
For the last four years I have applied for a XXXX Card thru Barclays Bank. Every year I am denied. In XX/XX/XXXX, I applied for a XXXX  card thru Barclays Bank and was Approved. XX/XX/XXXX I applied for another XXXX   Card thru Barclays bank and was denied. So, I contacted customer service and spoke with the review department and was able to speak to XXXX and escalated to XXXX.

XXXX. advised that the XXXX card was denied. They had not run a hard hit but due to the records on file in house of a bankruptcy from XX/XX/XXXX it was the reason for the denial. I asked how long would this record be on file and he advised he was unsure and had know knowledge if it would be removed from their system. I was also advised that this was the policy, which he could not give me specifics on their policies, could not email or mail me anything. Then I advised him of my XXXX card that has been in good standing for the last 4 years, that was approved by them which was closed this month due to XXXX  closing. He goes on to advise me that its a possibility that the card fell thru the cracks! Not the case, because they could have closed my account.

The supervisor XXXX was no help either and simply reiterated was XXXX said. I feel that their practices are unfair, the don't provide information that makes any sense to the consumer. What can be done to assist me with this matter?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Other problem getting your report or credit score

Complaint:
I CAN LOG INTO ACCOUNT OR THE ACCOUNT HAS NO INFORMATION LISTED

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 2019-02-14
Company: Nelnet, Inc.
State: WA
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 been paying for over 20 years on two student loans that are now held by Nelnet as of XX/XX/XXXX. Today, I spoke on the phone with a Nelnet customer service representative and learned that I have been accruing capitalized interest at a rate of $ XXXX/month. This capitalized interest has been accruing without my knowledge and Nelnet has not notified me of the existence of this debt. 

When I asked the Nelnet rep how I was supposed to pay off this capitalized interest that I am not being billed for and which has now grown to be a debt of {$1400.00}, I was told to just add {$64.00} to my monthly payment of {$360.00} even though that does not appear anywhere on the monthly statement as a debt I owe. However, if I only pay $ XXXX/month, I will keep up with the monthly interest accumulating but never pay off the total debt, right? That seems like bad advice and disingenuous. How can I pay off a debt that I never get billed for and never get notified of its existence? 

I spoke with another Nelnet phone rep named XXXX back on XX/XX/XXXX, to inquire why the extra principle payment I sent in was not applied to my loan and instead was issued as a credit on the following months statement ( statement date : XX/XX/XXXX ). I was told that I accrued interest of {$110.00} during a previous forbearance in XX/XX/XXXX-XX/XX/XXXX that had not been paid off so extra payments could not be paid toward principle until that had been paid off. I asked how was I to know about this and how could I pay it off XXXX said she would investigate and I have still not heard back ; in the meantime, Nelnet is apparently charging me daily interest without billing me for it and without informing me of the debt. 

I made numerous payments toward extra principle in XX/XX/XXXX before Nelnet purchased my loan and they were applied per my instructions to pay down principle. When I paid extra to Nelnet, it was not applied to either the principle or the capitalized interest but instead was designated as a credit to the following month 's bill. I could have easily paid of {$110.00} if notified of the debt ; now that it has grown to a debt of {$1400.00} ( and  increasing by the day ), it is much more difficult to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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 originally got XXXX XXXX  in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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 is missing that should be on the report

Complaint:
From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.

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 2022-08-10
Company: EQUIFAX, INC.
State: OK
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 have told XXXX XXXX this not my card and I have told portfolio and they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Orion Portfolio Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 at approximately XXXX hours I attempted to contact Orion Portfolio Services LLC, Compliance XXXX about account No. : XXXX______________________________________ I spoke with representative XXXX. When asking her what is the contact email for their company she stated " we do not have an email for a specific person. I'm stating that they are only have a general email. '' When asking if she had internal emails her response was " No sir ''. ______________________________________________ When asking her if her department has a compliance department she said yes and identified the person. When asking the representative what was the compliance officers contact information her response was " I'm sorry sir I can't give out that information, I apologize.__________________________________________________________________________________When asking the representative why would she not be able to give out the compliance officers number her response was " Because she only have an internal number. '' When asking the representative if the compliance officer had an outside email her response was " no she does not. " ________________________________________________________________________________________However attached to this complaint is the complete contact information for the compliance officer that is public record. _____________________________________________________________________________________________If possible, if the agency can explain why did their representative lie about information that easily found and is public record, through a XXXX search?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: UT
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:
I filed a dispute with the credit agencies about XXXX reporting 16 charge offs on my credit reports but this account # XXXX and the other loan that i have had with XXXX ending in XXXX on a XXXX XXXX These both need to be Included in Bankruptcy on my credit reports since they are in my bankruptcy XXXX failed to file these claim by the bankruptcy dead line so they are not getting paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Transunion XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Transunion several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Transunion. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Transunion has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Transunion is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.

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 2018-04-15
Company: SYNCHRONY FINANCIAL
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has been paid in full

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