BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-25
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Amsher Collection Services, 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 payed off the Debt of {$160.00} to XXXX since Amsher Collections told me XXXX bought back the debt account so went on the XXXX to pay it off. Since Ive paid it off they told me wait a month I did and nothing now its been four whole months and its still showing on my credit report. Ive called several times at XXXX  and submitted a dispute on XXXX only to get my dispute closed. Ive called XXXX they said they cant do nothing about its up to XXXX to remove the inquiry. Please someone help me reach out XXXX  for them to fix their broken system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have never been late of this card. I called the operators are located in XXXX and nobody speaks Eglish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 1998 I took out a Parent loan with lender Sallie Mae. Sallie Mae consolidated my loan and sold it to Navient. My loan went from {$190000.00} to {$38000.00} ( including payments made over the years. I am now a senior citizen turning XXXX years old this year. They want me to sign a new agreement whereby my terms are to reduced to $ XXXX/month for the next 25 years. HOW CAN THAT BE OKAY WHEN THAT ADDITIONAL {$200.00} MAY BE THE DIFFERENCE IN KEEPING A ROOF OVER MY HEAD, BUYING FOOD OR PAYING UTILITY BILL IF I LIVE THAT LONG. Is this legal to double my original loan to have me pay forever? I NEED HELP PLEASE. My husband has survived XXXX and monthly medicine is still needed to sustain his life ( he had XXXX XXXX ). I am XXXX  and have XXXX and monthly XXXX and other meds total {$180.00} monthly. We still owe on our home and are living just with essential daily needs due to all the medical bills and life. I don't understand how a loan that started as government Parent Loan can be sold and double. This type of practice can wipe a regular person out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I urge you to take immediate action to correct this mistake.

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 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Re : TransUnion I am trying to see my credit report which by law, I am entitled to, for free. And I can not see it or open an account without having to file a credit card number on file for their monthly fee. The XXXX  of a credit monitoring company housing all MY credit information, using it a financial tool tied to my identity and insisting I pay for their programs to see MY OWN CREDIT!!!! I can not file disputes. I can not see if information is accurate. I can't even see IF MY IDENTITY HAS BEEN STOLEN!!!! 

Reprehensible.

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 2021-10-07
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: AES/PHEAA
State: MI
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 have an account with Fedloan Services for my student loans. On XX/XX/XXXXI was granted both a delinquency Forbearance and a general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) On XX/XX/XXXX I was granted another delinquency forbearance and general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) Both of these are still showing as 90 days late on my credit report even to they were in forbearance ; the Fair Credit Report Act Section 623 ( a ) ( 2 ) seems to support the removal of previous negative credit history. It is my understanding of law that- Some cases the new information corrects a report that was erroneous ( e.g., the loan was wrongly reported as delinquent, because a deferment authorized delayed repayment ), and in others the subsequent information updates a report that was accurate when it was made ( e.g., the loan was correctly reported as delinquent, but has subsequently been paid ). You ask if the school must report the updated information to the original credit bureau, and if that agency is required to accept the data. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. I have requested Fedloan to update this information to the Credit Bureaus and they have told me twice they would not update my credit information on dates of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2021-01-31
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent letters regarding inaccurate information being reported on my credit report and I have yet to receive a response. I am highly upset and I feel as if no one cares. Section 611 ( a ) states that a failure to investigate items within a 30 day period provides a reason to immediately remove those items from my credit report. It has been about 45 days and they should be deleted at this point. This situation has been really stressful and I do plan on filing for litigation if these items will not be removed. My information was also impacted by the Equifax data breach and I know that it has got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I tried to resolve this debt with two companies, one called Capio, and another called XXXX XXXX XXXX XXXX XXXX ... I talked to a women named XXXX from XXXX-she said I owed a debt on a bill from XXXX XXXX XXXX from XX/XX/XXXX! Although this just hit my credit in XX/XX/XXXX? I had a great credit score, and within 3 days my score dropped drastically.. I have XXXX the name of these companies, which they have the same address listed, and when I called Capio and XXXX there has been multiple complaints filed against them for years! I need help resolving this issue and removing them off my credit report. 
Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received an email this evening, XX/XX/2022, that my XXXX payment was due on the XXXX. I paid XXXX payment, on XXXX XXXX through my bank 's bill pay. My account showed it was received and taken out of my checking account. I called Capital One, thinking this was some sort of confusion, spoke to a young woman, explained that the payment had been made on the XXXX of XXXX She researched, said the payment showed, it was applied to XXXX XXXX bill. Said, no, that payment was made in XXXX. To shorten, XXXX payment was received for XXXX, on XX/XX/XXXX, and applied to XXXX 's payment. As the payment I made for XXXX was received on XXXX, XXXX, and they hadn't closed the books for XXXX, it was also applied to XXXX. I now need to pay XXXX 's bill. Explained, my XXXX check comes in, I sit down same day, or next, and right off pay bills. I don't have the budget to pay the bill for the same month twice, and have never done so. Asked if they could apply, as was intended, the XX/XX/XXXX payment to XXXX XXXX lady spoke to supervisor, came back and said no. Asked to speak to supervisor. Gentleman came on, and said it was my fault and I had to pay XXXX Said if I read the statement, I would know the payment would be applied to XXXX. 
I am not asking for payment to be excused or delayed. Delaying the payment would only set me back. I made the payment, just want it applied to the correct month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Macys XXXX  XXXX. i signed up for paperless billing. their bills went to my spam. they made it very difficult to pay your bill. i checked it monthly just in case and paid my bill. i didnt know i owed them. ive never missed a lyme this in 20 years of being an XXXX  customer. i lost the card. if you dont know your account number youre cant get a new password. if you call, you sit in hold for an hour. finally i paid my balance in full. but they of course ruined my credit for punishment. this is the very reason consumers need protection against predatory cc companies.

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 2020-09-06
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from XXXX XXXX of debt when I did not visit their office and this was after a data breach in which a class action was won against them. I called them to complain that this bill was wrong but the person on the phone insisted that I will pay the money. I asked her to send me the result of the medical test that they are billing me for and I will pay the bill. They could not provide any tests or results. I have always had health insurance that pays for all my laboratory tests. They just sent my information to the credit Collection dept,  which in turn reported me to XXXX which placed a derogatory statement that decreased my scores. I humbly request that you use your good office to correct this anomaly. Thank you in anticipation for your favorable response. 
Your 's Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I missed one mortgage payment of 2019, and my mortgage company is not giving me any reasonable way to pay that back. They claim I either have to pay in full, or pay balance in two months more than doubling my mortgage payment beyond what I am capable of paying. They refuse to give me any other options, and I can never reach my assign poc who is in charge of my account. I feel as if I am being discrimated against for being a veteran and they constantly give me the run around to collect late fees from me. I have alright stated I would commit to a repayment plan, and gave a XXXX dollar deposit. That leaves XXXX owed for that payment, but they want me to pay over 1000 for two months not including my regular mortgage payment of XXXX effectively making it XXXX a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-06
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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:
XXXX XXXX is reporting my account 30 days past due in XX/XX/2020 when the account is paid in full no past due more than 30 days

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 2018-02-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with Wells Fargo. 
I prepaid my state and local taxes for calendar yer XXXX in calendar year XXXX. 
I requested a refund from Wells Fargo for the taxes that I have already prepaid. 

I have not received a refund from my escrow account for the taxes that I have prepaid. 

Despite several requests, I have not received any response as to when I can expect such a refund.

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 2020-01-25
Company: ENOVA INTERNATIONAL, 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:
NET CREDIT is reporting my account 30 days past due in XX/XX/2020 when the account is paid in full no past due more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: VA
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 accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: MI
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 failed to remove fraudulent items from 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 non-monetary relief
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I believe I have frozen my credit with Experian. Now I need to unfreeze my credit

and Experian does not provide any good way to do that. I called their customer service line and there is an endless circular phone tree. The tree doesn't let you remove a freeze, only place a freeze. There is no option to speak to a real person. It seems like they want me to pay for a service. If there is a fee, then let me know. There is just no obvious information. The online way didn't work. The phone didn't work. I dont ' know what to do now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation