BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2020-05-29
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 debt of ( {$830.00} ) placed with a company known as XXXX XXXX XXXX. Ive never done business with this company and have disputed information such as this in the past on my credit report that came as a result of a merged files and/or identity theft. Other than my credit report, Ive never heard of this company prior to checking my report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$230.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CLEAR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX LAND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consulted my Loan Servicer ( Navient XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX options for civilian Department of Defense employees in XXXX. I was informed that the program required 120 payments and that my existing loan was eligible for forgiveness including various monthly repayment options. 

My previous XXXX loans were consolidated in the XXXX at 9 % and I 've repaid over {$90000.00} on an original {$45000.00} principal balance. However, I still owe approximately {$100000.00}. 

Navient / XXXX XXXX indicated I was not able to further consolidate my existing loan ( previously consolidated ) and further indicated I was on track for the XXXX XXXX XXXX XXXX program. 

After, six years of qualifying payments while employed with the Department of Defense I checked on the status of my XXXX XXXX XXXX XXXX and was informed that my consolidated loan was NOT eligible for the XXXX XXXX XXXX XXXX program since it was not a DIRECT loan. 

I am now able to CONSOLIDATE my previously-consolidated single loan BUT approximately 6 years of previous payments while employed with the Department of Defense do NOT qualify toward the XXXX XXXX XXXX XXXX program. 

I was continuously misled by Navient / XXXX XXXX and only inquired recently due to news about the XXXX administration 's desire to potentially change the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
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:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Attempting to garnish a second time, under mn law they are allowed to garnish for 70 days and never again. They garnished for 70 days starting XX/XX/2019 and now are attempting to do so again. The court has not cleared any such action. Sending the notice alone is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX For Collection. My disputed account reporting on my Experian, XXXX  and XXXX  Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-01-05
Company: EQUIFAX, 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:
In XX/XX/XXXX, I couldn't get pre-approved for a mortgage loan because Equifax put a freeze on my credit information due to the cyber hack they experienced in XXXX, which left me as one of the victims. They provided me a pin to unfreeze my credit information but it did not work. Then they required me to fax sensitive Personal Identifiable Information to a number. After XXXX attempts, they said they did not receive my fax which contained my drivers license and Social Security card. Then they required me to mail in a copy of the same information they had me fax. Finally, after spending hours on the phone with them, they unlocked my credit report. They also made me create a new login ID. Today, on XX/XX/XXXX, I attempted to login and the only information they provided me with is that they can't process my login request at the moment. 

I am writing to complain about their system which causes customers to have to continuously change passwords and login credentials, but leaves them without knowing how to do so or any warning or notification that a login credential is about to expire. Also, I am writing to complain about their unsafe practices of requiring customers to fax sensitive documents, which they end up losing. There is no question in my mind that they will have another major data breach on their hands, if they haven't already since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America says a system error caused them not to post XXXX, XXXX, XXXX and XXXX payments to my mortgage. {$3100.00} was sitting in a " limbo '' account. Bank of america never telephoned. Emailed or sent me a collection letter but had nerve to send someone to my home on XX/XX/2020 to leave a door hanger on my door to call Bank of America. They also reported to the credit bureaus that payments had not been made those 4 months

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 2023-09-04
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that LexisNexis holds about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SECOND REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted Complaint # XXXX with the Consumer Financial Protection Bureau ( CFPB ) which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. LexisNexis response to the CFPB dated XX/XX/2023, failed to address my request for my C.L.U.E Report with COMPLETE SOURCE DATA in any way. 

On XX/XX/2023, I submitted a THIRD REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a FOURTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a FIFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SIXTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted an EIGHTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted an NINTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a TENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted CFPB Complaint # XXXX which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA after ten requests. 

On XX/XX/2023, in response to my CFPB Complaint, LexisNexis provided a letter addressed to the CFPB which was, in the kindest of terms, another nonsensical mess. In their letter, LexisNexis states : RE : Request for File : On XX/XX/2023, LexisNexis mailed a copy of his file to XXXX XXXX for his review. 

LexisNexis intentionally misled the CFPB by failing to identify the exact report and/or file that they claim to have forwarded for my review. 

On XX/XX/2023, I submitted an ELEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted my TWELFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

As of the date of this communication, LexisNexis is STILL refusing to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: OH
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 & XX/XX/2020 I wrote to you requesting an investigation into items that I are Inacurate and erroneous.To date, I have not received a reply from you or any acknowledgment that an investigation has begun. I feel like I am being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days, should be reason enough for these items to be deleted from my credit report. It has been well over 45 days so they should be deleted promptly. My information has been impacted by the equifax data breach and may have fell into the wrong hands. 
I demand the accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Ive been trying to get in contact with someone about helping me collect my unemployment funds on the prepaid card they sent me, but Ive been told that I need to verify myself and Im confused because I did everything I needed to do and still havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.

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 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I opened several business checkings accounts with Bank of America for a new business I am starting. I expected to be able to receive a BofA business credit card on application number XXXX given the funds I have deposited into checkings and given my excellent personal credit history. BofA has denied my credit card request and has shut down the ability for customers to call in for appeal. Both customer service line numbers XXXX and XXXX do not allow you to speak to anyone. This effectively locks me into paying multiple fees to maintain a checkings account even though I should absolutely be allowed to use a BofA credit card that would allow fees to be waived. They have essentially erected walls around my ability to appeal their decision and have unfairly locked me into paying fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-01-25
Company: Experian Information Solutions 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:
Hello, In 2015 I filed for chapter XXXX bankruptcy. Since I filed- XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have not been reporting correct information to the credit bureaus. They list charge-offs after my bankruptcy up until as recent as last month. They also were reporting an accurate payment in past due amounts shortly after I filed for bankruptcy. 

I filed a dispute the dispute came back and nothing was corrected in fact it was made worse. I contacted the credit unions and they basically told me everything was correct. I spoke with XXXX at preferred credit Union who is the head of collections and she said the information was correct there was nothing she could do. I spoke with the team at XXXX XXXX and they said the same thing. 

It is my understanding that they can not report charge offs after I filed for bankruptcy. I would like this information corrected. 

I contacted my bankruptcy attorney and they suggested that I file a complaint. So that is why I am filing this complaint today.

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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.

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 2020-09-09
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have a US BANK RELIACRD MY CARD HAS BEEN DEACTIVATED ON XX/XX/20. I contacted Customer service then and was advised to take a copy of my driver license and fax it to XXXX. Which I completed three times since then and still my card Im not reactivated. Please I have money there and I need to pay my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: SC
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 looking at my credit report and I have a lot of accounts I don't recognize. These accounts are causing me a lot of emotional distress for my family and stopping us from buying our house!! I Can't do anything and the bureaus allow this frauduent accounts on my credit profile. Please remove these inaccurate accounts from my credit report. Please send me an updated copy showing it's gone so I can buy my house. 

XXXX {$1200.00} account number XXXX The XXXX XXXX account number # XXXX I've tried to reach out to these companies but they will not respond or remove the accounts!

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