BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX credit card charged off XXXX still appears on my credit report. 

XXXX XXXX reaged the debt to make it look like it was charged off XXXX. 
It still remains on my credit file as a currently deliquent account. They have falsely claimed it was charged off XXXX. It was charged off XX/XX/XXXX Which is 7 years ago.

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 2019-10-30
Company: EQUIFAX, INC.
State: GA
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INQUIRIES : XXXX  XXXX  XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX  XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
During the month of XX/XX/XXXX, I submitted an electronic dispute to XXXX XXXX via their dispute link on their website for this problem. It was submitted and I knew it would be resolved since this is such an old account from over 10 years ago. 
I additionally submitted a hand written letter on XX/XX/XXXX via certified mail with a tracking number and it shows that XXXX XXXX received my letter and it's contents on XX/XX/XXXX. 
It is now XX/XX/XXXX and the discrepancy has not been updated or removed as originally submitted last year. It has been well over 30 days as stated in the Fair Credit Reporting Act and I am submitting a complaint into this with the Consumer Financial Protection Bureau for their assistance in resolving this matter as soon as possible since it is still hindering my credit from progressing.

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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 spoke with XXXX  today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 XXXX, Transunion and XXXX are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.

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 2020-07-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, my loans with Navient ( at the time, Sallie Mae ) equaled approximately {$82.00}. XXXX. When I contacted Navient due to difficulties repaying my loan, they offered me a hardship forebearance. I thought this was a life-saver. I was unaware of and not offered any other options ... .This option allowed Navient to continue to accrue interest on my loan. Since I was a low paid public service worker, Navient continued to offer me forbearances until one day they told me my number of forbearances had run out. They never once informed me about any income-driven repayment plansthat would have allowed me an affordable repayment option and the opportunity to have my loan forgiven after ten years as a public servant. 

Now, in XXXX, I find myself, a single mother with a XXXX child strapped with a loan that currently amounts to {$160000.00} ... more than twice my original loan amount. Furthermore, after recently filing for an income based repayment plan, I was sent a coupon booklet where my payments jumped more than 100 %. Although my income has not improved greatly, my plan goes from {$150.00} a month to {$1500.00} starting in XXXX. I can not possibly pay this amount which is 38 % of my income based on last years tax records. And that's gross ... .NOT take home pay which is approximately a third less ... 
I am XXXX XXXX XXXX. These loans are from a XXXX XXXX XXXX program for a XXXX XXXX degree, that I was never able to use, because XXXX XXXX  failed to inform me that post-graduate courses where required for permanent certification. I was never able to afford the XXXX 's courses. As a result, I have never been employed in the school counseling field. When I initially called XXXX XXXX  I wanted to become a XXXX XXXX. They steered me toward the XXXX XXXX track as they had no openings in their teaching program at the time. They never once informed me that my XXXX XXXX XXXX alone would be useless unless I could afford additional courses, or I NEVER would have chosen that professional track and taken out student loans for a worthless degree. I did not find out that XXXX 's courses were required until after I graduated. 

Then, for years, Navient granted me forebearances ... .never once advising me of other options. Please, advise me as to what I can do. I feel as if both Navient and XXXX XXXX  did me a disservice by not giving me adequate information to make sound decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: IN
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 had XXXX XXXX services for a short period around XXXX.. When I ordered the services I inquired if it would be a hard or soft credit check. The agent stated soft. I went forward with the order. Few days pass and XXXX XXXX stated there was a hard credit check. I called in to dispute multiple times. Multiple agents said this would be taken care of and most of those calls were an hour at minimum. They put in a form. Advised to wait 90 days. I did, and called to follow up. Agent states it didnt process for an unknown reason ... waited another 90 days. Denied but stated the credit check was valid but 2 minutes ago you agreed and said soft inquires are always issue do out.. so I go and escalate this via chat with a supervisor. He agreed and stated it wasnt normal for this to happen and to go and disputed this with credit department. I went forward with it. They stated that I need to call att for support and get the OK from them. After going back and fourth I put in a word with the attorney general. She was no help whatsoever. Couldnt explain why any of this happened, why supervisors stated such things. All I want is this credit check to be removed. Everyone is making a big fuss over something att has falsely eductated me. If I do get support, I want to speak with someone else higher or equally as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from Selene Finance to XXXX XXXX as of XX/XX/18. The servicing transfer letter from Selene was dated XX/XX/18, and the one from XXXX was dated XX/XX/18 ; however, I did not receive them until well into XXXX, very short notice. At the time I received the letter, I had paid half of my XX/XX/2018 payment to Selene ( {$1100.00} on XX/XX/18 ). Their letter said that amounts paid by XX/XX/18 should be sent to Selene. Since I made the second half of my XXXX payment on XX/XX/XXXX ( {$1100.00} ), I sent it to Selene. Selene seems to have applied this payment, as a screen shot from their website shows the next payment due date to be XX/XX/XXXX. Meanwhile, I had been receiving phone calls a few times per week from XXXX. Each time they asked about my XXXX payment and I explained that it had been made - dates, amounts, etc. 

I have so far made two payments to XXXX : XX/XX/18 {$2200.00}, and XX/XX/18 {$2200.00}. These payments appear to have been applied to my XXXX and XXXX payments instead of my XXXX and XXXX payments, as their website now shows my loan due for XX/XX/18. 

Because I began to become concerned that this missing payment would never be resolved by these two companies, I did call Selene and asked if the payment had been/could be forwarded to XXXX. I was told that Selene had sent a check via XXXX XXXX on XX/XX/18 for not just my loan, but many in the transfer. I could not get tracking information for this shipment, because I literally was hung up on by the unbelievably rude associate, after they informed me that I was no longer their customer. 

After a phone conversation with XXXX today, I have been told that Selene is either failing to respond or providing inadequate tracking information for payments that have been sent by Selene to XXXX since the servicing transfer. XXXX at XXXX said there are numerous emails to Selene asking for additional funds to make up for the missing payment. 

At this time, I am very concerned that this payment is still unapplied, and that negative credit reporting may happen because we are beyond the 60 day " grace '' period due to a transfer. I want to ensure that all payments get applied by XXXX effective on the dates that I made them, NOT as of the date they finally straighten this out. I have spent too much time trying to resolve this myself, and though I had no desire to file a complaint, I have no choice at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I made a payment of XXXX dollars due on XX/XX/2021. 
On XX/XX/2021 I made a payment of XXXX for a XX/XX/XXXX due date. 
I was charged a late fee for XXXX. I've been trying to rebuild my credit and was really paying attention to what's going on. I contacted commenity bank in regards to this and they said they will not dismiss the charge and are reporting it as late to the credit reporting agencies. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Medical Data Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an XXXX  in XXXX XXXX XXXX XXXX on XX/XX/XXXX an they asked me for a co-payment of {$550.00} That I paid before the procedure, after months receive a letter from the hospital that I owed {$880.00} and when I called they couldn't explain to me what that come from, after the four time calling them they told me that it was a coinsurance copayment, I Have called the insurance several times and they said it was paid what the hospital billed on XX/XX/XXXX, even those they send me to collection, please can you investigate this?

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 2023-02-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a letter to National Credit Systems on XX/XX/XXXX asking them to verify apartment debt and they mailed me back a settlement letter. They completely ignored my request to have the debt validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Atlantic Credit & Finance, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, we went to court as the company who purchased my debt ( Atlantic Credit ) obtained legal respresentation ( XXXX XXXX XXXX ). I, did not have an attorney representing me. The attorney for XXXX XXXX XXXX had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The XXXX XXXX XXXX attorney stated the the debt was valid because I signed for the credit card. 

In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. 

In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. 

My wage garnishment were 25 % for the total {$1900.00}. 

On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called XXXX XXXX XXXX they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. 

Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late US DEPT ED XXXX not mine

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 2020-11-23
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute XX/XX/XXXX Disputed Fraudulent items with FTC report, Experian ignored dispute Both XXXX  and XXXX complied with FTC and blocked fraudulent items previously erroneously confirmed as validated by creditors. Experian states that it is their new internal policy to ignore disputes once a company has validated a fraudulent account one time. They refuse to reinvestigate and cancel all disputes submitted without permission. I have uploaded my latest FTC report and letter which was submitted to them XX/XX/XXXX. The law requires that they block the accounts listed as there is no reasonable assessment that would allow the fraudulent items to remain when they were all blocked for the second time by both XXXX  and XXXX. Experian received the same documents in the dispute letter I wrote to them as it credit bureau counterparts.

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 2021-04-27
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$1100.00}, {$2300.00}, {$0.00}, {$710.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

2. XXXX  XXXX  XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

3. XXXX  CARD with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

-- AUTO ACCOUNTS 4. XXXX  XXXX  XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account.

6. XXXX  XXXX  XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: CORELOGIC INC
State: TN
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:
CoreLogic disclosed information to XXXX XXXX XXXX. I call and requested a copy of the report. I was told that it was not on file. I am requesting a copy of file from CoreLogic and a deletion of my file from all credit bureaus, XXXX, XXXX, XXXX. I have placed a security freeze on my CoreLogic information XX/XX/2018 the information was solicited XX/XX/2018.

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 2023-02-09
Company: Genesis FS Card Services, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Destiny Mastercard discriminate against me by lieing that the reason for denying me they could not obtain credit score.And in violation of equal protection.And in violation fair protection act

Company response to consumer: Closed with explanation