BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX / {$0.00}

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 explanation
Consumer complaint received 2020-07-22
Company: Resurgent Capital Services L.P.
State: NC
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:
On XX/XX/2020 LVNV Funding reported an account for collections to the credit reporting bureaus and damaged my credit, by not utilizing lawful practices. ( LVNV Funding XXXX. XXXX XXXX XXXX, SC. XXXX ). Original creditor is listed as XXXX XXXX XXXX. Balance due listed as {$700.00}. In Fair Credit Reporting, I received no communication from this company prior to this being reported on my credit. There was Never a Debt Validation Letter sent to me at my current address, prior to this account being reported on my credit report. Rather, this company knowingly reported this as a collection account first to the credit bureaus, damaging my credit, and then followed their reporting up on XX/XX/2020 with a payment request letter from LVNV Funding, at my current address, requesting payment in the amount of {$700.00}, original creditor listed as XXXX XXXX XXXX. Fair credit reporting was disregarded as this company knowingly reported this as a collection account on my credit report first, without providing me with a Debt Validation Letter and the 30 days to respond, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022, I sent a certified letter to XXXX XXXX Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports Experian, XXXX and XXXX. 

I also sent copies of these letters to Experian, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, Experian and XXXX have continued to report this inaccurate and false information. 

Experian has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

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 2022-10-17
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-11
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, I am submitting this complaint about XXXX XXXX Account # XXXX. This depth disputed by me several times with different collection agency. This account does not belong to me. Every time I challenged collection agent name change and stick to my credit report at Experian. Also, Experian and XXXX violated federal law. They misleading and inaccurate information. In Experian credit report show this account open XXXX. And also XXXX account shows charge off account. Every time I dispute this depth, it shows that month payment miss payment. If this Account opened in XXXX and went to collections several times, how can it show XXXX and XXXX XXXX indicates none payment? If this XXXX account, utility depth, It can not show as a revolving credit card depth. In my Experian Credit report, shows as revolving depth and reflecting in my credit report as a current date and month none payment. Also, XXXX account indicated closed on my report. This is wrong and unlawful. This affects my XXXX XXXX. This does not fare me as a consumer. Also, This XXXX account disputed several times with different collection agent. They do not provide me any evidence that this account belongs to me. I do not own or have XXXX account. This depth is misleading my credit report. Also, Experian Credit agency shows misleading and inaccurate information.

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 2019-01-31
Company: Navient Solutions, LLC.
State: IL
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 was never informed that making consecutive payments under the IBR plan can lead to forgiveness after 10 years. If that was the case then I would have certainly signed up for the automated payments and continued applying for IBR plans every year as needed. I used to get phone calls reminding of payments being due and that has since stopped so I'm unsure of where I'm at in the process, I have usually been doing 2-3 payments at  once instead of monthly - again because I did not have this information. I am only told they don't report to the credit bureau 's monthly for the way my payments have been. So it's not affecting my credit score which is nice but it would be fantastic if my loans were forgiven instead. They are quite substantial and don't seem to be going down with all my payments thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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:
Date : XX/XX/XXXX To Whom It May Concern, XXXX, XXXX  and Transunion are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX and XXXX 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX   XXXX  XXXX XXXX XXXX  XXXX Reporting on XXXX, XXXX, and Transunion 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, XXXX, and Transunion 1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 3. Balance of {$1200.00} incorrect

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 2019-01-31
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX XXXX  sent me a single email to an address that was setup at the beginning of me attending university. I was never notified via email of phone that my IDR would be expiring soon. On XX/XX/XXXX I happened to check my account and see the payment is nearly 3x the amount it used to be ( {$91.00} to {$290.00} ) because IDR expired and I had not seen the single email they sent to a now defunct email address. I immediately resubmitted my IDR plan and am now told it'll take up to a month to process as it has to be " manually reviewed ''. The first time this process took no less than two days while I  was in a grace period ; now, however, they say that " the system '' was unable to process my information despite it being taken right from the IRS website. I've called them multiple times and all they can offer is to continue forbearance, which results in expensive interest capitalization. All the while I am missing important payments that would be going towards PSLF. Being in between jobs and having a strict budget means I was anticipating the IDR payment amount. I find it completely unacceptable that they are allowed to take away IDR from people who are just starting their careers and can not afford to pay the original amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Asset Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a cosigner for my Son 's student loans for which went to a collection agency. I had an agreement with Asset Recovery to pay a specific amount and they would fully release me from any obligations of the loans. I did pay the agreed upon amount and the accounts are still reporting on my credit file with a balance. Again the agreement was to waive me from any financial obligations and they should have been removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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: Information belongs to someone else

Complaint:
While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Transunion credit, and ask why the reported a 91 point drop in my credit score. In talking with Transunion they would not provide me with a reason why my score was changed. Transunion did state that I had no negative reports on my credit that nothing had changed. My score was XXXX and went to XXXX  in less than a month. I can not get an answer from none of the credit bureau about my drop in scores.

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 2019-01-31
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient continues to increase the interest rate on the loan that they purchased from XXXX XXXX XXXX. On XX/XX/XXXX Navient began to service the loan that they had purchased from XXXX XXXX XXXX. My average payment was around {$110.00}. The interest rate continued to increase and the payment is increasing as well. The current interest rate for the loan is 9.25 %, however there is a rate reduction for the amount being automatically taken out of my bank account, making the interest rate 8.25 %. My payment has increased to over {$130.00} per month and the loan amount does not decrease with every payment. As of XX/XX/XXXX ( when Navient purchased the loan ), I owed {$12000.00}. As of XX/XX/XXXX, i still owe {$12000.00}. In nearly a year, I have managed to pay off {$300.00} of the loan, however I have paid, in total, {$1100.00} - {$850.00} to interest alone. 

I contacted Navient to attempt to lower the interest rate, however they said they already did with the reduction through autopay. Navient said they will not lower the rate any further and that I should expect to pay the loan for another 30 years. Navient told me that if I wanted to lower my amount due, to pay more to the principle of the loan, money that is not available due to having other living expenses. 

Navient did not have any other options for me to reduce my payment, reduce my interest rate, and had no other options to help me. They are very predatory and are taking advantage of borrowers by purchasing loans from other companies and servicing them, offering no assistance or relief to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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:
Theres a negative items on my credit report that doesnt belong to me from XXXX XXXX its over 7 years its there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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 had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX XXXX XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.

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 2023-10-27
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Once again this corporation is fraudulent. I recently submitted complaints with the XXXX attorney General office and CFPB about this. They have failed to send me my car title and down payment back. I also submitted a complaint to XXXX XXXX, a compliance analyst with credit acceptance on XX/XX/2023. 
This corporation and the car dealership emailed and mailed 5 pages of the contract that I have never seen, acknowledged, or signed. The car dealer had control of the computer the entire time and did submitted and signed the contracts without my consent. 

All debts are prepaid. Federal Reserve Act 16 section 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

Therefore, Credit Acceptance and XXXX XXXX XXXX XXXX. took the application or contract my signature was forged on to and gained lawful money within the contract. The money came from my XXXXXXXX XXXX XXXX, which means this car is paid off in full. 

I will not be paying you triple the money. You really think consumers are XXXX and don't know consumer law, but unfortunately I know and I will not allow you to take advantage of me. I am the CREDITOR, not you. You have not credited anything to me. I backed the demand for the money you received my XXXX XXXX XXXX, that only I am the beneficiary of. 

Please strap on your seat belt and be ready for this ride, because I will stop at nothing until I receive my car title and down payment back to me. 

I submitted a complaint to XXXX XXXX and she and XXXX XXXX have failed to respond within the 21 time frame I gave them, therefore I need that title and down payment sent to me asap at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Please see the pdf file i have attached and read it to its fullest.

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 2023-03-15
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent accounts appearing on my credit report. 

1. XXXX XXXX XXXX XXXX {$100.00} 2. The XXXX management {$730.00} 3. XXXX XXXX XXXX {$510.00} 4. XXXX XXXX XXXX Co {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MD
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:
In XXXX, XXXX I requested a copy of my Equifax Credit report.and received a copy on XX/XX/XXXX. To dismay, it contained entries that were included in a Bankruptcy in XXXX and were reporting as negative : ( 1 ) XXXX XXXX XXXX ( two entries ), ( 2 XXXX XXXX XXXX Bank, ( 3 ) XXXX XXXX XXXX had a note stating that this account had been sold to another company even though it was in bankruptcy filing. Equifax removed the two XXXXXXXX XXXX XXXXXXXX accounts and XXXX XXXXXXXX account, not the XXXX Bank account. I filed a dispute. Today, I checked the status of the disputes and discovered that the aforementioned accounts have been re-added and the XXXX was reported as correct. In addition, my credit score dropped from 690 to 668. There were hard inquiries by companies I have no knowledge of : ( 1 ) XXXX XXXX, ( 2 XXXX XXXX. I have not applied for any loans or other services from these entities. Equifax employees have been rude and totally disregard the rules of decency, and the law. I want this incorrect and harmful information removed immediately as well as unauthorized inquiries.

Company response to consumer: Closed with explanation