BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
Navient continues to erroneously report old student loan accounts that I consolidated with them, paid every month on time until it has finally been paid in full. The four loans they consolidated first went into default in 2009 and for whatever reason, they simply refuse to remove it off my credit reports. I have tried to dispute it with them. I have tried to dispute it with the credit bureaus to which they specifically told me NAVIENT is reporting the items as accurate. I even filed a complaint here ( XXXX ). They replied that they have nothing to do with the reporting of those extremely old accounts that should of aged off years ago and to contact XXXX. I contacted the original lender XXXX  and they told me they are not reporting anything to the bureaus about me and no longer even have records of me having had loans with them - that is how old these loans are. 

I am enclosing proof that it is in fact NAVIENT that is reporting these old student loans as recently delinquent. I spoke to representatives both at XXXX XXXX and XXXX  and they both confirmed that it is NAVIENT who continues to report these accounts to my credit report. Please see contact information at the end of each report. This is affecting my credit greatly. And during this pandemic and all the lawsuits against Navient I would of guessed theyd take closer look into my complaint and see where they erred as this is costing my such financial and emotional burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Shellpoint Partners, LLC
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:
My Home loan service company was Shellpoint Mortgage until XX/XX/XXXX. Loan # was XXXX. In XXXX they transferred my file to a new servicing company name is XXXX XXXX. XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. The Shellpoint & XXXX XXXX have mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with Shellpoint Mortgage from XX/XX/XXXX up to XX/XX/XXXX ( The agreement, the extension letter and two snapshot of my Shellpoint dashboard are attached ). As you may see I have been on forbearance plan, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. I have called both Shellpoint & XXXX and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application. I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP. Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
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:
Experian Report # XXXX Date XX/XX/18 1 of 20 XXXX XXXX has incorrect information as showing when XXXX XXXX XXXX did not report this and Experian has information missing from the original year from the start on this account. 
Experian does not provide the history of to when the account started and years skip on this account. 
Experian has ND for ( No Data ) if Experian was gathering information why is so much missing???? 

XXXX XXXX XXXX never reported this account so how is it Experian has information when they by letter never reported this account and why is it on my credit file and showing the way it is by Experian. 

attach letter showing there was or no Delinquency on this account

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 2021-02-25
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:
Hi, I am very stressed out, I am victim of identity theft and someone used my personal info and as a result today appeared some accounts in my credit report that are not mine ... What should I do? Please help me, I do not know what to do .... I do not know these accounts and they just crashed my credit report. Its a fraud, please remove them because otherwise I will have XXXX XXXX as we just planning with my wife to obtain a loan ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
Hi, I am very stressed out, I am victim of identity theft and someone used my personal info and as a result today appeared some accounts in my credit report that are not mine ... What should I do? Please help me, I do not know what to do .... I do not know these accounts and they just crashed my credit report. Its a fraud, please remove them because otherwise I will have XXXX XXXX as we just planning with my wife to obtain a loan ... ..

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 2021-03-27
Company: WELLS FARGO & COMPANY
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: Public record information inaccurate

Complaint:
XX/XX/2018 XXXX WellsFargo Checking account 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 explanation
Consumer complaint received 2019-02-23
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a debt with XXXX but trueaccord has taken over this debt. This lady keeps emailing me constantly. She has even went so far as to tell me that she knows I am opening the emails. She is harassing me at this point. This lady has emailed me 17 times since XX/XX//18. This is not okay. Please help me. Her name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I currently have 4 hard inquiries on my credit report that should not be there. I did not apply for any credit cards on those dates on my credit report. I would like to have those removed as soon as possible, so they will no longer have an effect or impact my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX and XX/XX/XXXX XXXX collection accounts XXXX for {$3500.00} and XXXX for {$5200.00} respectively were placed on my credit reports by Portfolio Recovery Associates. I had never received any notice in regards to these two accounts and know nothing of their existence until they appeared on my credit reports. I requested numerous time over the past three years for the collections to be investigated with the credit reporting agencies and never got any resolution. On XX/XX/XXXX, I certified mailed this company Debt Validation request letters with return receipts. To my knowledge they received the requests but never bothered to send the return receipts back. I know they received my requests because on XX/XX/XXXX I received responses to my debt validation requests with information from the company showing credit card statements and a letter stating that they will not do an investigation for lack of information. This does not satisfy as being debt validation. To this day Portfolio Recovery Associates has yet to properly validate these two collection accounts. I have uploaded the validation requests that were sent certified mail on XX/XX/XXXX along with correspondences from Portfolio Recover Associates with an Address I have never lived at. For the record I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Debt Relief Center
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received letter stating " Important second notice '' offering to settle {$16000.00} for {$8000.00} at {$240.00} per month for 36 months. Call XXXX to accept this offer. I have no such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Collections USA LLC, has placed a collection for {$83.00} on my credit report and according to the State of Florida license search they are not permitted to collect in this state. I am requesting that this debt be removed from all the Credit bureaus such as XXXX, XXXX, and XXXX speedily. 
The date that this collection was opened was XX/XX/2017 The Balace is {$83.00} The Reporting debt is {$83.00}

Company response to consumer: Untimely response
Consumer complaint received 2021-02-25
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 fraud alerts or security freezes

Complaint:
XXXX requested a credit score/report from TransUnion. XXXX was unable to get the information required to complete a phone purchase. I contacted TransUnion attempting to clarify my account details. TransUnion requested that I provide my 6 digit secret number. I could not remember it ... and so the usual question/answer inquiry started ... and this is where there was a problem. The last of 4 questions was about a credit card limit obtained in 2014. Since I did not have a recent credit report ( from any agency ) I was not able to get my account freeze temporary lifted. 
I asked for another question - and was denied. As an XXXX XXXX XXXX XXXX, I happy that I can remember major and significant activities in my life but not the answer to " what was the credit limit of the credit card you took out in 2014 ''. XXXX. 
TransUnion suggested that I look to another Credit agency to get the information and call them back with the answer. Instead, I'll only purchase major items with companies that DO NOT deal with TransUnion. That will be my first question for purchases or agreements which require a credit check.

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 2019-02-23
Company: WELLS FARGO & COMPANY
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
For many years I had the same interes but the last two years Wells Fargo elevated the interests and my payment depends on going down is it rises, as well the years of duration of the loan.

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 2020-12-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I tried reaching out to this bureau several times about accounts that are reporting on my credit but do not belong to me. this info is fraudulent and i need it removed ASAP! 
I want this investigated and 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 non-monetary relief
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: NV
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:
Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 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 explanation
Consumer complaint received 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The problem that worries me, in these moments is my credit record, I explain. 
On XX/XX/XXXX, I applied for my first credit card with Bank of America, it is one of the cards that you deposit XXXX dollars to start making your credit. On XX/XX/XXXX I applied for a new credit card and the representative who assisted me in the america bank designed me that later I can join the credit of the two cards, I return to the bank on XXXX XX/XX/XXXX and the representative who is the same person who attended all visits suggests me to join the credits. My question to him was that if joining the two credits of the cards would affect my credit and he says no, he designed me that I close the card if it affects my credit, but that was not close just join both credits and stay with a single card. Now after one year I apply for a loan in another bank and when reviewing my record it appears that I closed my credit card in XX/XX/XXXX which was not so and this has affected my credit in a considerable way, I have called customer service Bank of America credit cards and your response has been ... we regret your situation but we can not do anything to help you, I think it is not an appropriate response when I have been all this time without knowledge of what was happening, the address of the location of bank of america that perform all the procedure this located in the following direction XXXX XXXX XXXX XXXX, XXXX  XXXX, ks XXXX, in attention to the client of bank of america of the credit card I attended XXXX  of the state of california. This is my problem I hope you help me to solve, since there has been lack of information on the part of the representatives. I apologize for some spelling error, because English is my second language ... 
thanks for your 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 explanation
Consumer complaint received 2020-05-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an amount on my credit profile for {$5000.00} for rental property. I submitted a letter to the company to inquire about this charge and they sent me papers regarding the leasing agreement. I have no knowledge of this agreement and did not live at the property stated.

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 2017-08-05
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I have been dealing with the aftermath of my identity being stolen for the last four years. A company named American Coradius International LLC has sent me a letter claiming they own a debt in my name for a XXXX account I have not heard of. I did not even know there was a XXXX accoount in my name! This account, or perhaps this company, is fraudulent. I demand that American Coradius International LLC immediately remove this account from my name. Thank you for your assistance, XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are XXXX, XXXX and Equifax, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX  XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit Card refuses to dispute charges From XX/XX/2021. One in the amount of XXXX with XXXX and an additional amount of XXXX placed by XXXX. The merchants agreed to approve the dispute but creditor did nothing.

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 2019-10-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Experian are reporting incorrectly a Foreclosure on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account was not in a foreclosure and should not be reporting as such. I have attached a copy of the Payoff Statement from XXXX XXXX  dated XX/XX/2019 along with the Settlement Agreement dated XX/XX/2019. I was told by XXXX XXXX that the language reporting on my credit report was in error and that they have requested this language to be removed. The account status needs to report accurately that this account has in fact been paid in full. This incorrect coding and reporting of a Foreclosure is seriously harming my credit score and this line item needs to be removed and/or changed to report a {$0.00} balance and paid in full. I have contacted the ( 2 ) bureaus to change this language however, I have not been successful.

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