BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
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: Investigation took more than 30 days

Complaint:
On a call with XXXX XXXX prior to XX/XX/2022 I was told by a representative that my payment was still needed from XXXX. I initially called XXXX XXXX  to complain about there lack of communication and clarity on my new loan, but all was fine. On this call I was ready to pay for my previous and upcoming payment, but out of time convenience I asked the agent if I can the next day. Paying on this phone call was no issue and my bank statements/ available liquidity on file during this call would prove this to be true. Unfortunately, the XXXX XXXX agent told me it was no issue of me paying the next day, assuring me I would get no late payment on my report as long as it was done by then. Even doubling down explaining that they would grant me a 1 time removal of generosity if the system was to flag me. The next day I placed the payment and was hit with a late payment on my report ( my first ever late payment and my credit dropped nearly 100 points over night. I was XXXX XXXX XXXX with a huge focus on building my credit and have done everything for this to never happen ). When I called XXXX XXXX the next day they told me they ended their " 1 time removal of generosity '', the day before being the last day, also the day I first spoke with them and was given the reassurance. This is unaccepetable and unfair to me quite frankly and I have everything documented that proves the negligence toward me as a first time borrower that has never had a late payment. I have been back and forth with them now for XXXX  months and neither Experian or XXXX XXXX seems to care about the situation. Please help this is my first, only, and a false late payment which affects my credit greatly. 

Im unable to upload any files so i uploaded them to this XXXX XXXX that you can view with this link : 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 non-monetary relief
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX  deleted all the accounts. Experian and XXXX did not, they only updated the reporting of the account. I contacted Experian and XXXX again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. Experian, updated the account again and did not remove it as requested. XXXX did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my Experian file, XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX file. Please help.

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 2022-08-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown information on my credit report to the following credit bureaus such as XXXX & Equifax with the results stating that my credit report was verified and has been updated. My account information still remains inaccurate and needs further investigation. I feel that I am being taken advantage of when they can clearly see the errors on my account. I demand that these accounts be deleted immediately or I will file litigation due to the stress that this situation has caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong people.

If after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the re-investigation. 

XXXXEquifax Inaccurate address/Account status Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 XXXX XXXX - ACCOUNT XXXX XXXX XXXX XXXX XXXX - ACCOUNT XXXX XXXX XXXX XXXXXXXX - ACCT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-04-15
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX, Equifax, XXXX XXXX have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from experian that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
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: Old information reappears or never goes away

Complaint:
XXXXXXXX XXXX  Trans Union have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from XXXX that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law

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 2017-04-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originally received a mortgage loan from  XXXX   XXXX  and they then sold the loan t o Penny Mac . At the time that I received a mortgage loan from  XXXX   XXXX , my new home appraised for  XXXX . The home was sold to us for  XXXX  and we put about  60000  down. Therefore, based on the appraised value, we were starting off with a loan-to-value ratio of a bout 0.68. N evertheless, when my loan was sold from  XXXX    XXXX   t o Penny Mac, I should  not have had to pay for Private Mortgage Insurance ( PMI ) seeing that I already had a n LTV of 0.78. Penny Mac has said that I need to pay for another appraisal or a buyer 's purchase opinion in order to remove the PMI from my account. My appraisal is a little over 4 months old and Penny Mac insists that the appraisal that I have be 90 days old or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Credit Bureau of York, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX continues to published credit bureau of York on credit report. I've sent certified letters and continue to place on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XXXX XXXX XXXX canceled a credit card I've had opened with them for over 10 years because of an issue of my social security number.The account was a business card in the name of XXXX XXXX XXXX XXXX XXXX last four digits # XXXX the card had a Credit Line {$5700.00}. 
They closed the account because they kept asking for a Federal Taxpayer number. I told them many times that I used my personal social security number on the original application. this account was opened as sole proprietors account. 
Capital one allows a customer to use '' Your Business Employer Identification Number ( EIN ) or Social Security Number ( SSN ) for Sole Proprietors-Your Personal Social Security Number '' I used my social number for this credit card account. They refused to accept this and when I write them it takes them 90 days to respond. They have hurt my credit score by closing this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I withdrew {$200.00} from M & T Bank 's ATM in XXXX, Maryland and received precisely {$200.00} routinely as expected. Then, on XX/XX/2022 they charged me an additional {$300.00} on the same checking account giving only a reason of " Misdispensing ''. 
Upon my inquiry to their office about the charge, they said their ATM malfunctions, thinking they dispensed {$500.00} instead of {$200.00} of my withdrawal. I disputed with them that I only received {$200.00} as requested. I was not aware of this incident until XXXX that's why I visited them on XX/XX/2022, since they never indicated of this charge to me until I used the ATM again on XX/XX/2022 and found out from the lower balance than expected on my account. Upon additional visit to their office I learned that their ATM had a video recording on each withdrawal cash, but never offered to show or confirmed that they used any kind of evidence to support such a charge to me. Nevertheless, it's their machine, it is under their control and I have nothing to do with it. I needed at least some evidence like documented by the machine like the video recording for them to make such a charge to me. The bank so far has provided no solution to this dispute upto 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 monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2018-12-17
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
i received a TPD in XX/XX/XXXX which paid off my federal loans with navient but left my private loans outstanding. there is no place on the navient website to email them about the issue of getting my private loans discharged and every time i call them i get the runaround. 

plus my wife and i filed a chapter XXXX bankruptcy in XX/XX/XXXX that should have included the navient private loans, but our attorney failed to include them. he was under the belief that they could not be included. we provided him with the documentation for the loans but he did not add them. 

my private loans have been incurring interest and past due amounts keep building against the original loans but have not received any type of notice for their status. i did receive an email in XX/XX/XXXX that had me link to a location in navient to let them know that my loans should have been included in our bankruptcy but again there was no email address to respond to. i can only assume that we have been added to one of the lawsuits that are pending. 

there is simply no way of contacting them about the TPD ( but they should already know this since XXXX paid off my federal consolidation loans ) ; i did call the general account line back in XX/XX/XXXX and was told about using the TPD form, but the person on the line would not listen to me when i told them that i had already applied for and was approved. they told me that my account was in a hold status ( probably because of the bankruptcy and pending lawsuits ) and that if i pursued any type of arrangement regarding my private loans, that they would be taken off hold and put them in immediate repayment. so i told them to just leave them in the hold status and i would wait to see what comes of the lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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 status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late.

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 2022-08-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX, Experian, and XXXX are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. Experian website quotes " Experian supports the CARES Act '', so why is it still on my credit report? XXXX and XXXX and Experian are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.

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 2021-06-09
Company: CCS Financial Services, Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
Do I owe this debt to you or to the original creditor? 

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX, XXXX, and TransUnion are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. XXXX  website quotes " XXXX supports the CARES Act '', so why is it still on my credit report? TransUnion and XXXX and XXXX are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.

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 2017-07-20
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of debt and gave m upon notification I have informed collector that account does not belong to me several times

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 2022-08-15
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has told me they are going to leave this bogus data they reported to the credit bureaus and hung up the phone thus damaging my credit, further, XXXX XXXX  is breaking the law by reporting false and malicious data on my credit report and have told me they work for the government and I have to pay this bogus collection or go to jail. I Would like an investigation so XXXX XXXX can be charged for false, malicious, and continue to, on going false reporting of the collection entry by save green storage on my credit report. Please open a criminal investigation and you will see the evidence on the attached documents. I will continue to dispute and ultimately see are going to sue XXXX XXXX a known company for deceptive practices and the evidence is amounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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