BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: Experian Information Solutions 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:
I have tried many times over the past four years or so, using different web browsers in different configurations, to access my Experian credit report from https : //www.annualcreditreport.com/. Every time, I get the error message " A condition exists that prevents Experian from being able to accept your request at this time. '' followed by a suggestion to write my request, including SSN, on paper and mail it to them. A quick Internet search reveals that I am FAR from the only one to report this problem. 

Using the same browser configurations, I have been able to retrieve credit reports from XXXX and XXXX quickly and easily. 

I can understand that Experian might have the occasional technical problem with their web application. However, if their application has a bug, they should have long ago fixed it. At this point, I can only describe their failure to provide the service to me that they are required to provide by federal law either willful malfeasance or gross negligence.

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 2018-07-10
Company: Equidata, 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: Investigation took more than 30 days

Complaint:
I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked XXXX to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-02
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was went to the ER and did not have insurance and was unemployed and was placed on an indigent program where I would not have to pay. I was surprised to find out that I allegedly owe this debt.

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: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX  # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XX/XX/XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE PAYMENTS.

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 2016-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
According to TransUnion the have in Public Records under docket # XXXX stating I file a chapter XXXX in XX/XX/2009. I did not and I am faxing over my police report as proof that my identity was used without my permission.

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 2018-12-15
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: Their investigation did not fix an error on your report

Complaint:
There's currently two accounts on my credit report inwhich the contract has been cancelled, I absolutely have no contract nor obligation to the following company, ( 1 ) XXXX XXXX XXXX, XX/XX/2018, {$130.00}, {$150.00}

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the XX/XX/XXXX data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.

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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, XXXX and Transunion stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX CARD SERVICE XX/XX/XXXX 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 2018-07-10
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Have called multiple times to set up payment arrangements will not give any options for repayment or refinancing. Company has lied and said that we were eligible for a repayment plan at one time and then changed it would not let me remove my cosigner on my loan due to me being a good Financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Complaint Number : XXXX XXXX Ms. XXXX, Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ). 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB. Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX. to XXXX XXXX Eastern. 

I look forward to assisting you. 

Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX extension XXXX XXXX- XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http :  //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Attachments XXXX XXXX  ( 8 minutes ago ) to XXXX Hello XXXX, My account is still being charged for services that I did not receive and use. I do not have access to a telephone, therefore e-mail is the best way to contact me. Yes, I did reach out to the CFPB and I will send this latest email and attachment to them as well. 

Thank you! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I can not resolve this issue as I do not have phone access. I tried e-mailing Mr. XXXX but there's a statement saying the inbox is not being monitored. Bank of America charged the {$65.00} back to my account making it go into overdraft again.

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 monetary relief
Consumer complaint received 2019-10-22
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: Personal information incorrect

Complaint:
Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX L XXXX XXXX XXXX XXXX XXXX Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL 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 2020-05-21
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: Was not notified of investigation status or results

Complaint:
on XXXX XX/XX/XXXX, sent the XXXX a letter asking them to investigate some erroneous information on my credit report ( see letter attached ), they never responded to my complaint. I then sent them another letter on XX/XX/XXXX ( also attached to this communication ), still they never responded. Then of XX/XX/XXXX, they received i sent yet again another letter requesting that they block this fraudulent information from my report within 4 days as required .. and got no response ... ( see attached certified letter receipt ), i

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: AES/PHEAA
State: WI
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 first initiated a dispute with XXXX  and XXXX  regarding Fed Loan Servicing in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the Fed Loan Servicing account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four  dispute letters to XXXX  and XXXX asking to verify the account. XXXX  and XXXX  claimed they have verified and validated the Fed Loan Servicing account all four times. I sent in a fifth letter to XXXX  and XXXX  via certified mail in XX/XX/XXXX showing proof that I was not late on my Fed Loan Servicing account in XXXX and XX/XX/XXXX. I also sent a letter to Fed Loan Servicing in XX/XX/XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XX/XX/XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to XXXX, XXXX, and Fed Loan Servicing that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/19 I contacted XXXX XXXX XXXX regarding 4 inquires on my credit report that were processed within a 30-day period by the same company. I was directed to contact XXXX XXXX   to ask them to remove the unnecessary inquiries that resulted to their clerical error. I contacted XXXX XXXX  on XX/XX/19 via telephone and on XX/XX/19, XX/XX/19 and XX/XX/19 via email to the Vice President XXXX XXXX and Assistant Vice President XXXX XXXX. Both individuals have refused to address my concern about their companies excessive inquiries. I did not authorize this company to run my credit 4 times within a 30-day period. I feel this company has discriminated against me by running my credit 4 times without a valid reason. My credit report did not change within that time frame and this is not typical in the mortgage industry with the exception of minorities applying for mortgages. I have requested the company to remove the extra inquiries from my credit report as they only needed to review my credit once to determine if I qualified for a mortgage loan. They have refused to remove the additional inquiries or provide an explanation as to why they needed to review my credit 4 times within 30 days. TransUnion and XXXX  have also refused to address the issue stating I need to resolve it with the company that ran my credit. This practice against MINORITY applicants must stop!

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 2018-07-09
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:
Between XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
MY student loan was took out in XX/XX/1999 and consolidated in XX/XX/2012 but the interest keeps growing and growing with no end in sight- I was supposedly in a public service forgiveness program from XX/XX/2012-XX/XX/2017 in which I had to get out of the military with an involuntary honorable discharge. There is no way to track how many payments were considered under that program and while I am paying an income based payment my interest is not being covered so the balance has been climbing and climbing. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2018-12-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax CONTINUOUSLY has computing, communication, telephonic and website programming/coding issues that not only keeps REINSERTING accounts that have been previously identified as identity theft AND previously deleted in XX/XX/XXXX and XX/XX/XXXX. I have notified Equifax of this and, per the FCRA, these reinsertions are  supposed to be IMMEDIATELY deleted and removed.

1. ) I WAS NOT notified by letter of the reinsertions ; 2. ) The tradelines were previously deleted, so they should not be reactivated ; 3. ) Equifax must comply with the FCRA IMMEDIATELY and delete the reinsertions.

... but what is disgusting and so ridiculously transparent is the fact that : a. ) Equifax WILL NOT follow proper rules as established by the FCRA and, instead of deleting the reinsertions, they open a regular 30-day investigation, which is incorrect, b. ) Equifax continuously and randomly changes their fax number, phone numbers and closes down the XXXX XXXX for communication WITHOUT notice, and c. ) When I attempt to review the dispute results, the system can't find me using MY OWN information EXACTLY as it appears on the reports available to me in my online credit monitoring product PROVIDED BY EQUIFAX.

I am really sick of the games at this point, You know XXXX well who I am and my details that I provide match the details in my profile. STOP hiding, STOP looking for excuses to not comply with the FCRA, STOP keeping my investigation results from me, STOP improperly handling my disputes, STOP MISSPELLING MY NAME and just STOP STOP STOP all of the illegal and purposely deceptive games you keep playing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: USI Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from USI Solutions stating that I owe XXXX XXXX XXXX XXXX {$8800.00}. I have never had a XXXX card aside from my XXXX gas card which carries a XXXX  balance. There is no record of any of this on my credit report and I have contacted XXXX on XX/XX/2018, they state there is no record of any credit with them other than the XXXX card. I have not contacted USI because I am afraid that once I do, the harassment will start. Reading about them on XXXX, they have a reputation of abusive behavior towards callers and trying to collect bogus debt. I would appreciate your assistance in this matter.

Company response to consumer: Closed with explanation