BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
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: Old information reappears or never goes away

Complaint:
I opened my mortgage with XXXX on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with XXXX on XX/XX/XXXX. The closed account for XXXX is still reporting negative on Equifax and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with XXXX XXXX  back inXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX assumed the loan, it reports from the beginning of the opened loan original date. XXXX is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by XXXX. They acquired the loan and the information and reports from history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This letter is a formal complaint against XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, and payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting an account as open and past due. This account was with XXXX XXXX XXXX and was discharged in a Chapter XXXX  Bankruptcy in XX/XX/XXXX. I have written Experian and followed their dispute resolution system. They were provided with the schedule of discharged debts and the discharge documents. Additionally I provided XXXX with XXXX and XXXX reporting of the account. Experian came back and denied my claim and told me to call XXXX XXXX and provided a phone number. I called that number and XXXX XXXX confirmed that the debt was discharged and told that Experian needs to contact XXXX XXXX. This has all transpired over the last 3 months. XX/XX/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 2019-05-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened this account with XXXX XXXX XXXX, and for 1 year paid on time, my credit was hacked and fraudulent charges were made, I disputed with them and they ignored, even filled out their fraud documents to no reply or correction, they just ran up adds fees and penalty, totally corrupted my account, I even requested it be closed in XXXX of 2015 ... they are reporting invalid and inaccurate info to credit bureaus ...

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 2017-12-29
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: Information belongs to someone else

Complaint:
I have previously submitted disputes to XXXX and Experian regarding fraud that occurred by certified mail and did not receive a response. I 've also attempted to resolved with them directly with no success. I have attached all the fraud forms including police report to get this resolved asap. 

The accounts in dispute are : XXXX XXXX XXXX - Amt Obtained {$460.00} - FRAUD XXXX - Amt Obtained {$3600.00} - FRAUD XXXX XXXX - Amt Obtained {$1100.00} - FRAUD XXXX XXXX - Amt Obtained {$1700.00} - FRAUD XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} - FRAUD XXXX XXXX XXXX - Amt Obtained {$13000.00} - FRAUD XXXX XXXX - Amt Obtained {$10000.00} - FRAUD XXXX XXXX In - Amt Obtained {$7000.00} - FRAUD

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-12
Company: EQUIFAX, INC.
State: NM
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:
See complaint XXXX. 
Equifax has had almost 90 days to resolve this issue on my credit report and now they tell you it will be yet another 30 days for them to " finish their investigation ''. Both XXXX   and XXXX  have removed this account from my report, which is a time-barred collection ( zombie collection ) and should never have been on my report. 

I am unwilling to wait yet another 30 days for Equifax to do nothing. The proof has been submitted several times to them and you. I want this off my credit report and a physical copy mailed to my address as they will not allow me to access their online system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I went to XXXX XXXX and have a personal and federal loans for stuff i never completed because they wanted me to take out more loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a senior citizen and my husband passed away 9 years ago I'm being harassed With English phone calls When I answer the phone it's a recording I attempt to call back and there's no answer If the debt was mine I do believe there's a statue of limitations but I do not believe that it's mine I suffer from a little memory loss

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 2022-02-17
Company: CCS Financial Services, Inc.
State: CO
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/2021 I sent Credit Collections a dispute to remove a PAID medical collection. I informed them that it falls under The Medical Debt Relief Act : Per Federal LAW it states : " paid-off and settled medical debts must be removed from credit reports that have been fully paid or settled ''. 

Since Credit collections didn't respond, I sent XXXX, XXXX, and XXXX a dispute stating the same thing, XXXX removed it however, I still have not received a response from XXXX or XXXX. 
XXXX updated comments to this : Account information disputed by consumer, meets FCRA requirements. I'm confident that this is also a violation of the FCRA considering no investigation was done. 

This is a violation of federal law and must be removed. It has yet to be removed, nor have they responded to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/XXXX, I XXXX XXXX XXXX noticed that approximately {$2600.00} had been electronically taken from my checking account ending in XXXX. These XXXX transactions started XX/XX/XXXX until XX/XX/XXXX. The transaction was taken fraudulently via XXXX. The XXXX name of the individual was XXXX XXXX ( XXXX XXXX ). I do not know this individual and do did not approve these transaction. I reported this to the Suntrust Fraud Department on or about XX/XX/XXXX. As this far, Suntrust has refused to reimbursement me.

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 2017-12-29
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is attempting to collect an illegitimate debt on behalf of XXXX XXXX XXXX, specifically their property in XXXX, FL for which I was notified by the leasing office that I never signed the final and complete copy of the lease for on XXXX XXXX, XXXX. I never moved into or received keys to this property and National Credit Systems is attempting to collect the amount owed for an entire lease term, despite the fact that the proper paperwork was, according to the property, never completed and turned in. Going off of what was sent to me in the voicemail on XXXX/XXXX/XXXX, ( which I have proof of ), I assumed that no action needed to be taken. I am not responsible for this debt in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with XXXX, XXXX, and Transunion. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding 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 non-monetary relief
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXXXXXX FOR {$14000.00}. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XX/XX/XXXX for {$14000.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

XXXX XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.

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 2022-02-17
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with XXXX, Experian, and XXXX. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding 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 non-monetary relief
Consumer complaint received 2021-09-21
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:
I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted XXXX XXXX XXXXXXXX XXXX - " XXXX  '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that XXXX would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that XXXX sticks to their word and requests the deletion of this collection from the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a one time payment for the mortgage payment due online. On XX/XX/XXXX XXXX also made a recurring payment of {$100.00} to go to escrow. There was an option to choose for the payment to go to escrow. The following morning I received a text message ( see attached ) that stated " We have received your request to modify your existing recurring payments. For details, visit ... ''. I did not sign into my mortgage account website to request to modify the recurring payment. I also received an email ( see attached ). After receiving the email, I then logged into the platform to find that an additional {$2500.00} had been added to my recurring payment. I did not add this nor did I initiate or authorize any modification or addition to the recurring payment I set up on XX/XX/XXXX. After discovering the addition of {$2500.00}, I cancelled the recurring payment. 

Why are my recurring payments being altered by your company? 
Why are there so many software bugs THAT ARE AFFECTING MY MONEY?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: LEXISNEXIS
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:
I contacted XXXX on XX/XX/XXXX because I have been violated of my rights by an incorrect account reporting on my credit file. XXXX said that the account that is reporting inaccurately was verified from the courthouse. I called the courthouse and they said they do not have any records on file and that they do NOT share anyones personal information to the credit reporting agencies nor do they intervene with the dispute investigation. They also sent me out a letter as verifiable proof. I called back to XXXX on XX/XX/22 to tell them that they are not doing a proper investigation of this account and they said that they are certainly verifying this from the XXXX Court house. I was transferred over to the supervisor who then confirmed that it was verified through LexisNexis. I told them that LexisNexis does not have it on their credit file and I showed verifiable proof from the dispute that I sent out in XXXX that was not properly investigated. The supervisor then said that the letter I sent in from LexisNexis was not something they can except because it came from a third party and that LexisNexis has to send an electronic file in order for them to accept it. I called LexisNexis and they said that they were sending out a dispute to XXXX with my new credit file. They also said that XXXX did not contact them about a dispute or an any account on my credit file. I am so upset with the progress I have received disputing this inaccurate account on my report. XXXX will not give me the right answer as to who they are verifying their information from. They are violating my consumer rights and laws by not telling the truth/false information or showing me physical proof of the verification. This is unfair practice and has become detrimental to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX I began receiving texts stating that my payments were due. Originally, I assumed this was a wrong number text since I had not applied for anything through XXXX. But on XX/XX/XXXX I received a text stating that I was past due on a payment and using my maiden name. On the same day I also received a phone call and a voicemail stating that they needed to speak to me urgently about business matter. When I called back the customer service line I was told that I had an account for a payday loan, And my account was past due. Customer service representative stated that the account was linked to a XXXX XXXX checking account and the checking account was no longer active with enough funds in it. I do not have a XXXX XXXX checking account. I called XXXX XXXX and they were unable to find a checking account in my name or with my Social Security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The lender is Sallie Mae. Off top this bank makes you think your are getting a government loan when actually it is a bank and the loan is private. I even questioned is this The Sallie Mae and they said yes. It was not until I could not get a deferment that I found out that I did not have a government loan. My loan about was {$4700.00}, my principle balance is {$6100.00}, and I will actually paying back {$9600.00} after 10 years of the expected payoff date. They are not offering any COVID opportunities deferment, they did not take into consideration that I am not working due to COVID and they have reported me to the Credit Bureau. I thought it was illegal to pay more than the borrowed amount on any loan, this is certainly part of the usury law. This company should not be allowed to use the name Sallie Mae, because people automatically think it is the government loan Sallie Mae. The did not try to help me during COVID, they do not have any reasonable options for this loan. This company has ruined my credit without giving me options. When I ask for a payoff, it was the principle balance. XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: NC
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 submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all three bureaus ( XXXX, Experian, and XXXX ) and I still haven't received a response from any XXXX of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.

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