BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: WA
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:
On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and XXXX has reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!

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 2017-09-27
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted Navient on XX/XX/XXXX or XX/XX/XXXX about setting up an arrangement to pay {$25.00} per month. I also stated to the CSR that I needed the arrangement in writing as proof that I have entered into an agreement with them for a housing program that I am currently in. I was told that because I am on an IBR with a payment of {$0.00}, that I can not enter into any agreements and was told to just make payments and print out my payment history. I made the first payments and printed out the history, but the housing counselor needs an agreement in writing from each lender as proof that I am paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
State: LA
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 account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My XXXX  score went up after reducing overall debt on XX/XX/XXXX. XXXX did not reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I was approved for a 100 % discount on my XXXX hospital account ( s ). This approval was based on the 6 months long processing of my application after I submitted all required information, all of which was factual and accurate. 

On XX/XX/XXXX XXXX demanded that I begin the financial assistance program anew, thereby voiding my previously approved 100 % discount despite not having any legal justification to demand such since I already provided complete and accurate information upon which the 100 % discount was based. 

On XX/XX/XXXX State Collection Services , inc. claimed that I have unpaid debt owed to XXXX XXXX XXXX XXXX XXXX XXXX. I promptly disputed this false claim. 

On XX/XX/XXXX State Collection Services , inc. acknowledged my dispute and attempted to validate a debt which I don't owe. As they will place said debt on my credit profile I'm forced to take action to remedy this grievous error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX  shows 3 credit inquiries related to a mortgage application. They had a system problem that caused me to have to submit the application 3 times ( one of which was done incorrectly ). It's OK for me to have 1 pull, BUT NOT 3 of them.

They said they'd take care of these pull ( remove from XXXX  ) from myself and my wife but they have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im accordance with the fair Credit Reporting Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit Card under an open end consumer credit plan as late for any purpose.

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 2019-07-16
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a letter from Ditech Financial, LLC settling my mobile home mortgage loan for {$15000.00}. I mailed them a good check for {$15000.00} to pay my account in full. They have posted that {$15000.00} payment as a regular payment and no one at Ditech seems to know whats going on with anything EVER and could care less about fixing the issue. They have given me a deadline of XX/XX/2019 per the letter to pay this account in full for {$15000.00} which I sent to them. I need some help forcing Ditech Financial to adhere to their end of this bargain and agreement dated XX/XX/2019. Can you please help me?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.

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 2022-04-28
Company: EQUIFAX, INC.
State: NJ
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:
Im accordance with the fair Credit Reporting Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit Card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Navient Solutions, LLC.
State: IN
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:
On XX/XX/2020, I submitted a payment to pay off the remaining balance of my Fed loan XX/XX/XXXX for {$190.00}. The auto debit payment of {$120.00} for that loan scheduled for XX/XX/2020 pulled from my checking account even though the loan was paid off because the {$190.00} did not post until the same day. I have called on three separate occasions to have the {$120.00} auto debit payment applied to my highest interest rated loan ( 1-13 ) since XX/XX/XXXX has a XXXX  balance and it has still not been applied to the account as of today ( XX/XX/2020 ). The latest representative says that the payment was applied on XX/XX/2020 to loan XX/XX/XXXX, but my account online does not show that this is the case and interest has accrued on the balance since XX/XX/2020 when the funds were originally withdrawn from checking account. From my end the money has not been applied and not been refunded, I have no email or hard copy mail that states otherwise. This money has been taken from my bank account and has not been applied to my loans. Please fix immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX the company Lexis Nexis risk solution advised a potential creditor that I have an eviction and lien on my record. I have no record of that on any of my other credit reports. I have never been evicted from any of my past rental homes. Please help me! I am afraid to apply for anything because if this. I am trying yo repair my credit since s job loss in XXXX. Thankyou for your attention in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: GreenSky, LLC
State: CA
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:
Greensky Financial is reporting inaccurate information to the each of the credit bureaus showing a 30 day late payment to XXXX XXXX of 2020 and On time payment the same month and year to XXXX and XXXX. As well as another 30 day late that following month of XXXX 2020 to XXXX and on time to XXXX and XXXX. I have called about this issue and spoke to countless representatives that have communicated the error and would remove but yet the inaccuracies still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: ERC
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize the new inquiries on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
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:
XXXX XXXX and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX tu and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa transunion has XXXX up my report totally this need to be corrected right away

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2017-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check for {$680.00} via Bank Of America 's mobile app. It posted to my account the next day. On XX/XX/XXXX my account was deducted {$680.00} with the explanation that the check image was unreadable and therefore returned by XXXX XXXX XXXX unpaid. I still had the physical copy of the check so I mistakenly tried to redeposit the check on XXXX/XXXX ( before I knew that it had already been paid ) but it was returned NSF. According to XXXX XXXX XXXX, the check was paid and their account holder 's account was deducted {$680.00} on XXXX XXXX, XXXX. A XXXX Financial Representative faxed over a letter on official letterhead to this effect on three separate occasions as per requested from BOA, but they are still maintaining that the money has not been paid by XXXX XXXX XXXX. I have been given three different contact names and fax numbers by Bank of America 's research and adjustments department yet have no way to confirm that they have received or processed the information. I have spoken to a different person each time I have called, around 17 times. I have spent over 6 hours trying to get them to reach out and directly contact XXXX. I have provided the contact information so I do n't have to act as the intermediary since clearly I am not familiar with their operating procedure, but to no avail. XXXX XXXX XXXX  provided the information they requested yet Bank of America refuses to address the problem. On XXXX/XXXX I was told that they actually did receive a fax on XXXX/XXXX, but they said they needed more information. They chose not to contact XXXX XXXX XXXX to request this information, but instead closed the case. Bank of America recommends that I deposit the check for a 3rd time, clearly demonstrating that they lack understanding of the issue. I have been to both banks in person and spent over 6 hours explaining the situation to Bank of America representatives on the phone, often being told conflicting information. I 've asked to have the case escalated but was told there is no case manager available.

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 2023-04-10
Company: Solar Mosaic LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I received information about the company. On XX/XX/2021, I activated an account on the company 's website. On XX/XX/2021, the account had been cancelled. On XX/XX/2021, I received and email that the solar panels were going to be installed without signing any kind of contract. On XX/XX/2021, they discounted {$160.00} from the bank account. On XX/XX/2021, we received a congratulatory email for being a part of the company even though the account was never activated, and I never signed a contract or saw XXXX. Since I cancelled the payment because I never signed anything and we never talked about the payment method. They sent me to collection with a bill of {$39000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2021, my husband and I entered Chase Bank uptown, a major Chase Bank branch in XXXX, Minnesota to open up new checking accounts and make name updates. The branch address : XXXX XXXX XXXX, XXXX, MN XXXX. We entered the branch lobby at XXXX. There were a male lobby manager, a female general manager who is a banker, and another male banker who was helping a client. It was empty in the lobby and there were no other waiting clients there. However, we were told that since they will be closing after an hour ( they close at XXXX. ), they wont have enough time to open up new checking accounts and do name changes for us and treated us in a very bad way and kicked us out of the branch around XXXX. ( again they close at XXXX ). We are not sure if we were being discriminately treated because we are same XXXX couple but we did have a very horrible experience. As a major Chase Bank branch in uptown XXXX, they stop accepting and serving clients more than XXXX hour before the closing time which is upset and disappointing. My husband and I have been loyal clients with Chase but this is really unforgivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-02-24
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Barclay is reporting my credit as being late or non payment when they closed my account and I'm paying them off through a third party collector. XXXX XXXX XXXX XXXX. I have been perfect with payment history and paying them back.

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 2019-05-29
Company: Square Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/19 I transferred {$30.00} to a vendor to make a purchase. The vendor did not provide the item as discussed and blocked all communication. I reached out to XXXX to cancel, reverse and refund my transaction. I explain that the vendor was committing fraud via their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Problem with personal statement of dispute

Complaint:
To whom it may concern : I have been an XXXX credit union customer since XXXX and under my husband XXXX XXXX since XXXX and during that time, I have enjoyed my experience with XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have 1 late payment on the above referenced account that date back to XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time and set up payment arrangements automatically for my auto loan so it will come out on time regardless where Im located.

Because of my exceptional payment history over the last year and under my husband past 5 years I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of moving myself and daughters for a XXXX and starting life over in another city. Im the sole parent while my husband is away with XXXX XXXX and didnt have the best service or access to internet at all times. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply. 

Sincerely, XXXX XXXX Phone : 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 non-monetary relief
Consumer complaint received 2017-07-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have applied for loan modification and have given Bayview Mortgage all my info and income and been denied laon modification, I am  XXXX   XXXX   XXXX  and have asked for assistance but yet been denied. I am very able to start making mortgage payments and get back on track, just need a loan modification for the past due amount. I am asking for assistance and yet can not get any help. Please help me.

Company response to consumer: Closed with explanation