BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days. And you'll are required by law to do so. Please investigate my disputes please. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
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 status incorrect

Complaint:
XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: AES/PHEAA
State: DC
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 XX/XX/XXXX, I filed a prior complaint with the CFPB, number XXXX, regarding PHEAA 's incorrect determination of my qualifying payments for PSLF during my employment as a law clerk with the United States District Court for the XXXX XXXX of Pennsylvania ( XX/XX/XXXX, through XX/XX/XXXX ) and the United States Court of Appeals for the XXXXXXXX XXXX ( XX/XX/XXXX, through XX/XX/XXXX ). Following that complaint, PHEAA provided the attached list of its determination of my qualifying payments during these employment periods. Among other issues, PHEAA concluded that a number of payments for loan sequences 5 and 6 --  from XX/XX/XXXX, through XX/XX/XXXX -- were made under an " Ineligible Term. '' On XX/XX/XXXX, I called PHEAA and spoke with XXXX, a supervisor ( Employee ID XXXX ). I explained that I have documentation during this period that designates these payments as made under a " standard '' plan and asked why PHEAA determined they were made on an " Ineligible Term. '' XXXX told me that, because this is a consolidated loan, these payments were probably made on a " consolidated standard '' repayment plan, which is not a qualifying standard repayment plan. I asked XXXX to send all of the documents that PHEAA used to make this determination, and she said that PHEAA would do so within 24-48 hours. On XX/XX/XXXX, PHEAA sent me a message and letter, which are attached here. These documents have nothing to do with my request and do not shed any light on how PHEAA determined that these payments were made under an " Ineligible Term. '' I have not received any other information from PHEAA regarding this issue.

Please note that this is one of three complaints I am submitting today regarding my experience with PHEAA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An unverified account was reported to my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Reporting agency disclose to me all the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. They have responded by saying that these accounts have been verified. I would like copies of the documents that they have in your files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of the disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Date Opened XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX credit card stop sending me monthly statements about my credit card more than a year ago and they started to charge me late fees of {$35.00} each month even though I was making monthly payment. 
when i opened the credit card with XXXX, I requested to receive the monthly paper statements only via postal mail. 
XXXX intentionally decided not to send me monthly paper statements so I will not know the due date and they can charge me late fees each month. 
XXXX knowingly engage in fraud by retain monthly statements in order to charge me late fees charges of {$35.00} each month. 
I have never authorized or agreed to receive monthly statement by any other mean than paper statements via postal mail. 

When realized that I was been charged monthly late fees for over a year, I asked Mr XXXX XXXX, the XXXX manager to remove all the late fees charges since I could not know when the monthly payment was due without a statement. He agreed that it was XXXX mistake and he could only refund XXXXne month out of more than twelve month. 
I told him that this was not a fair and satisfactory resolution for me and I decided to close my account with XXXX and told him that i will not paid the balance of {$940.00} until the fraudulent late fees are removed.

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 2018-09-22
Company: CORELOGIC INC
State: PA
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:
I requested my CoreLogic credit report XX/XX/XXXX. I received the wrong credit report on XX/XX/XXXX. I reached out to CoreLogic to let them know they sent the incorrect XXXX credit report. On XX/XX/XXXX I received my XXXX credit report. I seen some items I didn't agree with so I started a dispute. In there letter they mentioned if a consumer shall find any inaccuracy that the agency shall conduct a reasonable investigation. I found that hard to believe. I never received any validation with my signature on it which I asked for on XX/XX/XXXX for validation. Corelogic responded back on XX/XX/XXXX stated it was verified, still no copy with my signature. I wrote back on XX/XX/XXXX asking again. CoreLogic responded back on XX/XX/XXXX stating that they already verified and I need to contact the creditor to confirm validation. Why would I contact the creditor, Corelogic is the one reporting the inaccuracy on my credit report? Then XX/XX/XXXX CoreLogic suggested again that I need to check with the creditor. If CoreLogic doesn't have validation ( signed contract ) with my signature on it, they need to remove/delete inaccurate information reporting. They then tell me in the meantime they have open a dispute on my behave. I find coreLogic in violation of my consumer rights and I like to seek relief and recover all monetary damages that I maybe entitled to section 617,616

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 2019-02-25
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got injured by a car accident and the person never paid my medical bill and he was supposed to paid because he hit my car so now the want to charge me the money and I can pay it now because I have an XXXX son and my financial situation is not the best because of that. Please remove it from my credit report because I am trying to buy a house for my child and the other persons are responsible for. Thanks

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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX has reported the wrong payment time and amount of my credit report I called about getting a late payment removed due to cov for the month of XXXX and XX/XX/XXXX And they added 17 late payments to my account wow I have uploaded and copy of my bank statement and a copy of my credit bureau report from transuion and XX/XX/XXXXshowing the incomplete and inaccurate late payments days and amount from XX/XX/XXXX to XX/XX/XXXX please remove all these late payment from these years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: CT
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 report shows inaccurate information. It is showing late payments and a balance for a vehicle that is paid off. There were no late payments. My scores have dropped which have caused while I am in the process of purchasing a home and now my interest rate has gone up and now I no longer qualify for the home or the rate I once qualified for in XXXX. This is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Their investigation did not fix an error on your report

Complaint:
I opened a savings account with this company that said they will then loan me funds from this account BEFORE I fund it. They would report the account as a loan but they did not disperse any funds to me or to any account in my name. I did not receive any monies from them nor did i have control over any account that had monies in it. I would pay a monthly amount and the monthly amount would be reported to the credit agencies as a " payment ''. That " payment '' would then go into my savings account and would be untouchable by me. After awhile I realized that this is borderline illegal if not openly illegal. There was never a loan and there were never any real payments on a loan. After i requested to close the account, I was given a 30 day late for 'missing a payment '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Went to bank of America to close an account that merchants had been withdrawing unauthorized funds. Opened new account with same bank. Changed my direct deposit with employer. Tried to access the new account and was redirected to fraud dept. The told me that all accounts with them had been closed. Today is payday I go to the bank and they refuse me my money and any access to my money that was sent to them via direct deposit. If the account was closed they should have sent payroll back to my company. I have Bill 's that need to be paid today. Light phone and car.

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 2020-07-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I never had a XXXX account why is it on my credit Equifax is the only credit bureau who didn't delete it. I was XXXX when the acount was open. I didn't have an account or a job please delete its not mines please delete XXXX XXXX XXXX XXXX from my credit unin from my report please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I XXXX XXXX of XXXX XXXX XXXX # XXXX XXXX XXXX, texas submitted to Experian XXXX XXXX XXXX TEXAS, A notice of pending litigation seeking relief and monetary damages under fcra section 616 and section 617, to amicably resolve their continued violation of the fair credit reporting act, regarding refusal to delete unverified information from my consumer file, a certified copy of this letter, and 3 previous certified letters with proof of identification, failed to delete these accounts from my consumer file, the law clearly states under section [ 609 ] ( a ) ( 1 ) ( A ) and section [ 611 ] ( a ) ( 1 ) ( A ) which requires they provide me a copy of any original documentation ( a consumer contract with my signature on it ) furthermore under the FCRA SECTON 611 ( 5 ) ( A ) They were required to delete all information which can not be verified! ON  XX/XX/2020, I XXXX XXXX received a letter in the mail from experian, report # XXXX That the had completed their reinvestigation and they found all of unverified accounts as accurate, without proof to me ( the consumer ) these unverified accounts remain on my consumer file despite these violations of the FCRA, THE LAW IS VERY CLEAR, to the civil liability, and the remedy available to me ( section616 and 617 ) please enforce my rights under the FCRA. THANK YOU, 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 2022-11-18
Company: EQUIFAX, 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:
I am interested in disputing all inaccuracies on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian requesting to provide physical verification of the original signed consumer contract on accounts and inquires posted on my credit report, or to remove if unable to provide verifiable proof which was received by them on XX/XX/2018. ( Receipt attached ) It has been more than 30 days, and I have not received any proof or updated investigation results from Experian. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that Experian immediately delete this information from my credit reports.

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 2018-09-22
Company: WELLS FARGO & COMPANY
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:
GOT A PREAPPROVAL FOR CARD YET MY CREDIT WAS STILL RAN GIVING ME MULTIPLE HARD INQUIRIES.

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 2021-07-05
Company: SLM CORPORATION
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:
I was heartbroken when i checked my credit reports and saw that i have a late payment being reported on my credit its been a struggle for me since COVID i lost my job and with the COVID act no company is supposed to report any late payments to the credit bureaus so you are in violation please remove all my late payments i am trying my best to get back on my feet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Have a AUTO dispute under investigation more than 60 days 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 2018-09-22
Company: LEXISNEXIS
State: GA
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: Information belongs to someone else

Complaint:
There was an accident on XX/XX/2017 that happened with my father. Afterwards the claim was placed on my name, possibly due to me being a XXXX. At that time, I was nowhere near the scene and wasnt even driving. I got insurance later, around XXXX, and found out that due to a report, I have an accident under my name that I wasnt a part of. I even asked for a police report just to make sure, and sure enough, the information provided to the officer doesnt coincide with me. Just trying to get rid of this accident off of my name in order to go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX we found that we were victims of check fraud. Our credit union recommended getting a new account number immediately. Our Navient loan was due on XX/XX/XXXX. I updated all of our banking information with them XX/XX/XXXX or XX/XX/XXXX for our auto payments. We went on vacation the week of XX/XX/XXXX and found that our payment did not process when we returned. When I called them they stated that I did update my information but it did not process for some reason and did a manual payment over the phone. When the payment did not process they increased our interest rate from 2.875 % to 4.125 %. I tried to get this reversed since we were victims of fraud and was told to fax in my last statement showing our old interest rate since they did not have record of it for some reason. I stated I had a letter from the bank stating the fraud and new account number as well. Once reviewed they did not reverse the rate. Our payment for XXXX is still not set up on auto pay and I was told to do a manual payment and autopay would be in effect for XXXX. Of the 40-50 different places I had to update my banking information with, Navient is the only one that did not process this immediately ( other than the US Treasury who required notarized documents ). This is ridiculous they would take 2 months to update information you have submitted which guarantees they will take away your discounted interest rate reduction for on time payments and auto pay. The way the are set up, if you change banks they will penalize you for this.

Company response to consumer: Closed with explanation