BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has Violated my Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ XXXX Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX I /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$650.00} XXXX Account charged off. {$450.00} XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} writtenoff. {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My student loans are currently in deferment yet XXXX  is still reporting my payment status as late and it is severely affecting my score

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 2022-03-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am victim of identity theft I have not received any updates from the bureau regarding removing the fraudulent collection account its been over 90 days

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 2017-10-27
Company: DIRECMANAGEMENT, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017 Direct Management placed an account for the amount of {$950.00} on my credit report in violation of the Fair Credit Reporting Act. Direct Managment failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Direct Managment is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My student loans are currently in deferment yet XXXX  is still reporting my payment status as late and it is severely affecting my score

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 2021-11-09
Company: AES/PHEAA
State: MI
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 made all required monthly payments to my consolidated loans ( currently serviced by FedLoan ) while employed by a an eligible nonprofit employer for almost 10 years, and 31 of my payments have been classified as ineligible. I have followed all loan servicer instructions and directives and documentation from federal agencies precisely as they existed at various times over the past 9+ years, so am deeply confused and concerned that many payments are ineligible. 

Multiple payments classified as ineligible by FedLoan have been under " manual review '' for over a year with no change. In XX/XX/2021 I submitted my annual certification in an attempt to have my payments reviewed for both XXXX and XXXX eligibility with no change. I formally requested that the other ineligible payments be manually reviewed earlier this summer with zero change in status. 

Please note that I have faithfully paid my required payments every month for almost 10 years ( 9 years 9 months ), stayed in eligible full-time employment ( 2 non-profit employers total ), in the good faith belief that I would qualify for federal loan forgiveness at the 10 year mark as described by all program documentation. 

As of XX/XX/2021, after 9+ years of payments, I have paid {$42000.00} of the original principle balance of {$64000.00}, and have a remaining loan balance of {$45000.00}. According to FedLoan, I have 40 remaining payments under XXXX and 31 remaining payments under XXXX. This is outrageous, and I ask that my payment history be reviewed and my " ineligible '' payments be reclassified as eligible and my payment summary updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: MI
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:
YESTERDAY I SUBMITTED A REPORT WITH YOU GUYS REGARDING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT AND I HAVE YET TO HEAR BACK FROM ANY OF THE BUREAUS REGARDING THESE CIRCUMSTANCES.ALL OF THE DOCUMENTATION WAS SENT TO THEM. BELOW IS ANOTHER ACCOUNT THAT I FORGOT TO INCLUDE IN MY LAST REPORT. 

XXXX XXXX XXXX opened XX/XX/2020 {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Professional Recovery Management
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called, emailed and faxed an itemized debt validation request letter multiple times and have also asked them to provide my signed document my provider should have given them to authorize this third party to contact me about personal medical information which they have not been able to provide me. This is a HIPPA violation unless they are able to provide me both documents I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: ROBINHOOD MARKETS INC.
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I switched my brokerage from Robinhood to XXXX recently. Upon doing this Robinhood restricted my account which means i can not withdraw my cash balance of XXXX from them to my bank account. I have sent 6 emails to them and have yet to receive a response. They are holding my cash interest fee without my consent despite having my bank account linked to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions 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:
Experian responded to my previous complaint frivolously claiming that I have disputed the following accounts earlier and are refusing to re-investigate. Dear Experian, please note that under FCRA your are required to re-investigate consumer disputes, please comply with the law. and investigate and delete the following disputed accounts : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX XXXX Account # 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 2021-09-09
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been dealing with Lexington law for the longest and I was paying them for the services that they were not holding the part of the bargain. I start paying them XX/XX/2020. They never helped me at all..I have been suffering through covid and it's not fair for them to have took advantage over me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The company is Navient. My issue is not that they would call me- I understand that. Actually I had to change my phone number because they harassed me consistently. Now they are harassing my family members. Ive told them twice-both times via email so that I can retain copies of the correspondence to stop contacting my family. Its my understanding they are required to do so once they hear from me. The first time was XX/XX/XXXX- I asked them to stop bothering my XXXX year old mother. The second time was tonight-XX/XX/XXXX after my son got a phone call. I told them I had already warned them I would be reporting them if they continued to contact my family and that was now my intention. They can email me-they can send me letters they dont need to harass my family several times a day. I have not received one letter from this company just constant emails and constant harassment of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: NJ
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:
Equifax refuses to tell me how they score my credit. I have a student loan that has been in god standing for over 3 years now last week XXXX XXXXXXXX updated my my history where 4 years ago i was 120 days late but now they changed that for year old late period to 150 days and my score dropped 89 points. Then the following week i had 2 collection accounts removed and they dropped my score 10 points. only Equifax does this and cant justify the bias actions. Equifax is corrupt and needs to be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted XXXX, Transunion, and XXXX, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account XXXX Closed {$690.00} Date opened : XX/XX/XXXX DEPTEDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} DEPTEDXXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} DEPTEDXXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} DEPTEDXXXX XXXXXXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}

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 non-monetary relief
Consumer complaint received 2019-06-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I WAS GIVEN A MODIFICATION I MADE THE 3 PAYMENTS AFTER I MADE THE PAYMENTS THEN ( WELLS FARGO ) SENT ME A LETTER SAYING I DIDN'T QUALIFY FOR THE MODIFICATION THIS WAS BACK IN 2008 I HAVE BEEN TRYING TO MODIFY Y THE MORTGAGE AGAIN SINCE THEN THEY HAVE DENIED ME NO MATTER WHAT MY INCOME IS

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 2022-03-31
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

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 2022-03-31
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account XXXX : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is about an Unknown medical collection on my TransUnion credit report from a collection agency called XXXX. 

The problem is that XXXX was not able to verify this collection belongs to me and TransUnion has refused to remove it from my report What has happened is that on XX/XX/XXXX I discovered an unknown medical collection from XXXX on my credit report and onXX/XX/XXXX I disputed this with Transunion. I received notice from Transunion on XX/XX/XXXX that the debt had been verified by XXXX and TransUnion advised me to contact XXXX. On XX/XX/XXXX I wrote XXXX a letter requesting they validate the debt by producing evidence that I am indeed the person responsible for the Debt. I requested that if they could not validate the debt that they would instead please provide a complete withdrawal of their claim. On XX/XX/XXXX XXXX sent me a letter stating they are ceasing collection efforts and have closed this account in their office. They provided no other information. On XX/XX/XXXX I notified Transunion that XXXX was unable to validate the debt or provide me with any information other than the letter stating they were ceasing collection and closing the account. I forwarded a copy of the letter I received from XXXX to TransUnion with my correspondence. On XX/XX/XXXX TransUnion sent me a letter and a copy of my credit report that says they have completed their investigation and DISPUTED INFORMATION UPDATED. The updated information on my credit report continues to show this unknown and unverifiable collection. Transunion provided me with a phone number to their call center and onXX/XX/XXXX I called and spoke to a representative named XXXX ( he gave me a call tracking # XXXX ). My call with XXXX was more than frustrating. He advised me that TransUnion had validated the debt with XXXX and that I would need to contact XXXX again. I have learned that the definition of insanity is doing the same thing over and over again and expecting different results. It seems a bit insane to me that TransUnion would ask me to do the same thing they already asked me to do and expect different results. Therefore I am writing you today to file a complaint against TransUnion for continuing to report an unverifiable account on my report.

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 2017-10-27
Company: EQUIFAX, INC.
State: WA
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:
XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
XXXX dollar credit bill, turns into over XXXX dollars, because of interest, Discover writes off debt, shows charge, yet i get a 1099 tax form to say i benefited????? This is all interest Discover wrote off, but yet its MY income to report at tax time???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am victim of identity theft I have not received any updates from the bureau regarding removing the fraudulent collection account its been over 90 days

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 2021-02-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am including a description of the problem and my desire is for fairness. I know that this agency can not enter a judgement but I do want to help myself and others to stop this garbage from hurting people and their families.

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