BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am submitting this complaint about my XXXX  mastercard. It was reported to the 3 credit reporting agency 's that this account has been late 3 times. The first remark was made back in XXXX of 2020. I am in a special program with them due to loss of work from pandemic. Agreement is to make a minimum payment of {$22.00} per month till the end of XX/XX/2020 and my interest rate lowered. I have made more than the minimum payment required and the account has NOT been late. Today XX/XX/2020 it was reported again as more than 30 days late. I contacted XXXX cards and explained that having this account report to XXXX, transunion, XXXX, XXXX XXXX, XXXX XXXX is reporting wrong. The rep agreeded that the payments have never been late and I have more than the agreed upon monthly payment plus I made my XXXX payment early. I was told she will send over an e-mail to the correct department and it should be corrected and fixed. I am submitting this complaint because I want to make sure they follow through on this correction. Having this account report as 30 days late 3 times is really affecting my credit score in a very negative way.

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 2021-07-16
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: Information belongs to someone else

Complaint:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-06-29
Company: ALLY FINANCIAL INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX Ally Financi XXXX, MN XXXX  XXXX, TX

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 2020-10-12
Company: LEXISNEXIS
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 information incorrect

Complaint:
Lexis Nexis Consumer Center is reporting that " other-not-at-fault '' on a XX/XX/2020 accident, when the other was at fault, ran a red light, I was the only driver who had a right of way to be in that intersection. I received no citation, and I suspect the other driver who ran the red light did. His insurer XXXX paid for the accident and reimbursed me my deductible to further corroborate I was not at fault. 

So, when my renewal came up in XX/XX/2020, I wanted to swtich to XXXX and from XXXX with whom I've been for the last seven years. XXXX gave me a quote of {$590.00}, but then changed it to {$1200.00} when they saw this erroneous credit report from Lexis Nexis. They explained the adverse decision was due to the report. I'm stuck with XXXX paying a higher rate of around {$770.00}. XXXX agrees with me that the XXXX accident was clearly the other driver 's fault as there are no surcharges on my end at all from that incident. 

Lexis Nexis purportedly has no one to answer its automated phones, I'm stuck in the seventh circle of XXXX over there trying to get them to get this off my credit report or do an accurate report of what occurred. And I'm losing valuable time trying to fix something I shouldn't have to fix based on some data entry person 's erroneous assumptions from who knows what sources. 

Help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: I.C. System, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My identity was stolen

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( Transunion, XXXX, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.

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 2021-05-27
Company: TRANSWORLD SYSTEMS INC
State: AZ
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:
PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-16
Company: Experian Information Solutions Inc.
State: KY
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:
I have 4 hard inquires on Experian consumer report XXXX XXXX XXXXXX/XX/XXXX. 

These lenders have accessed your credit file : XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please remove all 4 hard inquires from the data report that they had issues accessing experian report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2021, I was informed by capital one that XXXX  is reporting a credit score of XXXX with multiple inquires and delinquencies which is false. Attached is my score as of today. XXXX supplied a report for XX/XX/2021 in which reflected fraudulent accounts and errors that I have disputed numerous times and supplied countless amounts of evidence for and it's still being furnished on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX I have paid all post petition payments up to date. 

Mr. Cooper continues to report this account 180-150 days late. 

XXXX XXXX XXXX Nationstar XXXX Mr. Cooper, all attorneys were provided this information on numerous occasions. 

XXXX XXXX XXXX Nationstar XXXX Mr. Cooper, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with NATIONSTAR XXXX MR COOPER . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact NATIONSTAR XXXX MR COOPER., XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any knowledge about the debt that is claimed to be owed. I have never had credit with the company in the letter that I received last week for the first time. I mailed a letter for request of validation on XX/XX/20 with no response. Company did not respond to my request but instead it was put on my credit report to tarnish my credit. I have not ever received a phone call from this company and Ive only received one letter for the debt that I tried asking for proof as to where this debt came from and who is the company. I would like this removed from all credit bureaus. This company should have followed proper procedure. And contacted me more than once about this debt. One correspondence and then its on my credit report with absolutely no details about the debt. Respond to my mailing on XXXX first.

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 2018-06-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I only have one account open with 53rd Bank and my credit report is showing that I have 2 open accounts. I've called 53rd Bank several times to have this fixed and they keep transferring me to different from customer service, to loans to collections and back to customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: NORTHWEST BANCSHARES INC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my {$15000.00} loan on XX/XX/XXXX. I called Northwest XXXX Bank at the time and spoke with service rep, XXXX, to see if there were additional charges to completely pay off the loan. She told me {$7.00} would completely pay it off. I made the payment and I asked again if there were any additional charges and she stated, " No, there is nothing additional. '' One year and six months later, I recently my credit report and discovered that an additional {$91.00} in fees had been added to the loan on XX/XX/XXXX, which significantly lowered my XXXX XXXX. I contacted Northwest XXXX Bank and spoke with Loan Officer, XXXX, who basically told me she couldn't help me and that I had to pay the additional {$91.00} to close the account and they would get back to me as to whether they could adjust my credit report once that was done. I paid the {$91.00}. I have not gotten an answer yet as to if they will notify the credit bureaus that a payment was made. I have a feeling that it will be " business as usual '' and it will just be reported during their next reporting cycle. My credit score will suffer until then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX  I have paid all post petition payments up to date. 

Mr. Cooper continues to report this account 180-150 days late. 

XXXX XXXX XXXX Nationstar XXXX Mr. Cooper, all attorneys were provided this information on numerous occasions. 

XXXX XXXX  XXXX Nationstar XXXX Mr. Cooper, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with NATIONSTAR XXXX MR COOPER . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact NATIONSTAR XXXX MR COOPER., XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Due to me being uneducated about repaying my loan I was misguided/ misinformed to apply for consolidating instead of correct and helpful information to have this loan discharged I feel now as I have been persuaded in making the wrong decision on the latest application I've submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
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:
According to the FAIR CREDIT REPORTING ACT credit reporting agencies have WITHIN 30 days to investigate unverified and inaccurate information. If its not done within that time frame credit bureau must delete all disputed items. On XXXX 2021 I XXXX XXXX submitted a dispute letter to EQUIFAX ( certified mail receipt ) disputing several inaccurate items on my profile. Return receipt shows EQUIFAX received my letter on XX/XX/2021. Today is XXXX, XXXX 2021 and I have heard nothing back from EQUIFAX which puts them in direct violation of the FAIR CREDIT REPORTING ACT being that they are passed the 30 day deadline. This complaint is being submitted to the CFPB to help ensure EQUIFAX follow the law and DELETE all inaccurate and unverified information from my credit profile. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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: Account information incorrect

Complaint:
This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX I have paid all post petition payments up to date. 

XXXX XXXX continues to report this account 180-150 days late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all attorneys were provided this information on numerous occasions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with XXXX XXXX XXXX XXXX . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been attempting to resolve denial of payments approved for the PSLF program for years. I previously was paying my loans through XXXX, then they were transferred to fedloan servicing. I have paid my payments on time in full, and because the tranfer, fedloan is denying qualifying payments due to computer or human error on their end. Please see email from fed loan. They state on loan sequence 6, one cent did not apply to payment XX/XX/2015 during tranfer and was applied to the following month. The other loans were approved for that same month. The rules for payment to be applied to XXXX is I must pay in full on time. I did this, and because fedloans error I am being denied. I have attached payments from XXXX showing I paid the full amount in both months. I do not have control over how the payments are applied to loan sequencing. I have additional months they are denying that they will not review or respond about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I sent the petitioner an " Affidavit of Debt Validation Letter ''. The petitioner continues to fail to meet my request to proof the debit and show original documents. They hired a lawyer and attempted to sue me for their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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 opened up a credit card in name ever and I am not sure why they are on 2 of 3 of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
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 noticed my Auto pay stopped for my car loan on XX/XX/2020. I contacted 5th 3rd bank, my auto loan provider, to find out why. The rep told me he was not sure why, but it probably had to do with the fact it was one of my last few payments. 

I paid off the entire balance on my loan on the phone that day ( {$590.00} ), and shortly after received my title. Now my credit has gone down 115 points!! I have contacted 5th 3rd bank to see what they can do for me, but they said I need to file a complaint. 

No one told me my auto pay would randomly stop. How would I know?! I honestly thought that the auto pay stopped because the loan was paid off!!! 

I also received 2 letters from them. One says I owe them {$590.00} on XX/XX/2020, while the other says I am past due in the amount of {$590.00}. Both letters are dated for XX/XX/2020.

Company response to consumer: Closed with explanation