BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: AZ
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: Other problem getting your report or credit score

Complaint:
On XXXX XX/XX/2019 I called Experian to request and paid with my credit card for my 2019 Credit Score. The cost was {$7.00}. I was informed that I would receive my score with-in 5-7 business days. As of this date, XXXX XX/XX/2019, I have not received my score I have written Experian three times without no response from them. I attempted to call Experian but the telephone menu will not allow you to speak with a live person. I have a copy of my credit card statement reflecting the charge of {$7.00} but no credit score from Experian Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Home : XXXX Email : XXXX 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are reportings of an inaccurate balance on two accounts that have been closed and charged off since XXXX of 2019 and XXXX of 2019. Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these two accounts are inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).

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 2019-01-18
Company: Nelnet, Inc.
State: NC
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:
The application online for an income driven payment plan is wrong. When you call they give you different information ... .then send you things like this that are wrong ... 
How to Apply Online - New Applicants To expedite the process, we recommend applying online : Log in to StudentLoans.gov.

Select " Apply/Re-Certify/Change an Income-Driven Repayment Plan. '' Choose the button that reads, " Start Application. '' Follow the instructions online to complete your application. 
You can select the option within the application to securely retrieve your most recent tax return information from the IRS online, which may expedite our review of your application. 
Electronically sign the application. 

This doesn't work and the customer service people tell you that. They also tell you confusing things that also dont work. I'm having to send things through snail mail ... in XX/XX/2019. XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My account was closed unexpectedly on XXXX XXXX, 2015. I have been given no reason for the closure. Calls to the company have been completely useless. I also find it ironic that I had just made a charge which would have allowed me to remain more than half my accumulated rewards. Perhaps Barclay 's did n't want to pay me for the XXXX points I had accumulated?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX XXXX Nation Star Mortgage sent me documentation indicating that they were my new mortgage lender. Prior to this I had been working with XXXX XXXX XXXX. I had not been notified that XXXX XXXX XXXX would not be my mortgage lender anymore. XXXX XXXX I entered into a Trial Period agreement with Nation Star. My monthly payments were {$460.00} for 3 months. I made my payments on time. I had paid my monthly payments up to XXXX XXXX. Around the time I was on the trail agreement I contacted Nation Star to inform them that I wanted to do a short-sale on my property. Per the representative I had to be delinquent on my monthly payments. This is when I stopped making my payments. I however did keep in touch with Nation Star & again was told that I was n't delinquent with my loan. Prior to this issue with Nation Star I had been working with XXXX, a mortgage agency in attempt to pay back Nation Star. I filed for XXXX. I was later denied by XXXX due to the fact that I had applied for a short-sale. By XXXX XXXX, XXXX I was laid off from a job that I had been at for almost 8 years. I started a new job in XXXX XXXX. I am currently still working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CL Holdings LLC
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 information incorrect

Complaint:
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$420.00} JEFFERSON CAPITAL SYST XXXX Balance XXXX {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital has a history of misreporting collection dates to give accounts new DLAs and further damage peoples credit. They recently purchased a debt from XXXX XXXX. The update they added on XX/XX/XXXX via my dispute with XXXX was the historical account data which according to them is a major delinquency in XXXX of this year, when in fact they failed to update that date to correctly reflect the original date of XX/XX/XXXX, not XX/XX/XXXX, which is the disputed item at hand. 
They failed to update the dates to the correct dates, even via a dispute with XXXX. 
JEFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX They added this derogatory item subsequent to the dispute I filed, which is not relevant to the reporting. They purchased the debt on XX/XX/XXXX. There is no " 1st Rptd '' of anything in XX/XX/XXXX <<<<<<<<<<<<Date Maj. Del. 1st Rptd XXXX EFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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: Was not notified of investigation status or results

Complaint:
Well i was effected by Identity theft and was told to file a police report and File a Theft report with the F.T.C.  Well I filed my F.T.C Theft report on or around XXXX and recontacted them around XXXX for any update on my case. I was told it was still under investigation. Well its now XXXX and i havent heard anything about my Identity theft file claim. Its been way over 30 days and i havent had any update or anythjing to my account. I was told it takes up to 48 hours for my file to Block the Stolen Info thats on my report. But Experian and XXXX  wont Block and complete my theft report claim. Its been over 60 days and I havent got any responses. Can you have them to please Block the account so i can get thru this horrible Identity theft. XXXX followed up without any issues and Blocked after there investigation. So why cant the others follow suit and do the same since they BOTH verify about the same way. I hope its accurate and not illegally posted.

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 2022-11-05
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 XXXX, XXXX put a Wage Garnishment on my account. the date was XX/XX/XXXX18. I contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.

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 2019-01-18
Company: Comerica
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called when I saw my balance was {$0.00} the last transaction was by XXXX XXXX in the ammount of {$15.00} the customer service line told me it has to be a completed transaction to do anything. They lied and treated me like a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 sent in a letter XX/XX/2021 about incorrect information reporting to my credit report. It was a list of personal information and accounts that does not belong to me.I asked them to investigate and remove this information. Its been over 30 days and they have not got back to me, they still have no update. This is completely absurd that they can treat people this way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-10
Company: EQUIFAX, INC.
State: UT
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:
According to the FCRA I am required by law to have accurate and up to date reporting on my credit report and an old address was found on my report. The address is XXXX XXXX XXXX XXXX XXXX, Utah XXXX. Along with an old address their are old employers as well. The employers are XXXX XXXX XXXX and XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 received a copy f my credit report where XXXX XXXX XXXX   continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from XXXX XXXX / XXXX XXXX XXXX for ID

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 2023-02-22
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bought by Roundpoint mortgage servicing corporation effective XXXX. I still have not received a package with my loan number as of XXXX. I called and got a loan number and later got a different loan number via email. I have emailed twice and gotten a response today ( XXXX ) they are looking into this. I am very concerned this will affect my credit rating. The only reason I am unable to pay is I can ; t get a welcome package. I am also concerned because my escrow payments and home insurance are still listing my old mortgage sevicer.

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 2019-01-18
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene Finance and XXXX XXXX XXXX conducted an illegal non judicial foreclosure violating my bankruptcy stay. The have ignored correspondence and have no standing on alleged Deed of Trust they have based their predatory practices. ( Exhibit 1 ) Timeline : Foreclosure Sale date scheduled XX/XX/XXXX. Filed by new trustee without notice and based on invalid Notice of Default dated XX/XX/XXXX identified with different TS # XXXX. And illegally filed as California Declaration of Compliance was dated XX/XX/XXXX ( Attached ) which was during an active Bankruptcy. ( Exhibit 2 ). They filed for foreclosure sale again on XX/XX/XXXX, XX/XX/XXXX and illegally foreclosed on XX/XX/XXXX. Alleged loan shows current as of XXXX. ( Attached ) Attached : 1. Fraudulent Substitution of Trustee which was recorded by Beneficiary that was assigned after the Substitution of Trustee who assigned it. 

2. Debt Validation by former alleged Trustee stating over {$640000.00} dated XX/XX/XXXX conflicting with attorney for former alleged servicer XXXX dated XX/XX/XXXX as default being {$340000.00}. This was under oath in Bankruptcy Court which was discharged XX/XX/XXXX. 

XXXX. Notice to Quit posted to my door by XXXX XXXX XXXX XXXX on XX/XX/XXXX. Continued violating Bankruptcy Stay and constant visits by Realtor hired by Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Account information incorrect

Complaint:
I've contacted XXXX and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account

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 2020-11-28
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX, when XXXX XXXX had a promo for streaming of XXXX XXXX XXXX for {$14.00}, I tried signing up. I never got a confirmation ; I never got to watch the movie and the movie was pulled out by the end of XX/XX/XXXX. 

By email and thru XXXX XXXX, I learned that somehow, that I was being charged for the streaming service which can be streamed only through XXXX. I canceled my subscription with XXXX back in XXXX when that company warned me that XXXX XXXX sets will no longer be supported by their company. All of my TV sets were manufactured by XXXX. Furthermore, I disputed the XXXX charge and was consequently refunded for the charges for XXXX XXXX XXXX and XXXX of XXXX. 

When I disputed the XXXX charge of {$12.00} with XXXX in XXXX, I got nowhere. I wrote their corporate office and closed my account with them as a means of stopping the recurring charge from XXXX. I also canceled any dealings with XXXX altogether. 

Instead of acknowledging my dispute with XXXX and Citi Collections, they charged me a late fee for more than the original charge of {$12.00}. 

I find their action filled with malice when the charge was reported to the credit reporting bureaus while the monthly charges of {$12.00} for each month of XXXX and XX/XX/XXXX are being 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 2021-05-20
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: Investigation took more than 30 days

Complaint:
XXXX  - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation