BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from experian that my credit score declined because of a collection. I never heard of the company or the collection company and never received and still have not received any thing in the mail or a phone call. This looks like a utility company in XXXX. I have not been out of california in the last 5 years and worked for the same company for 5 years and if they could provide me with some dates when i incurred the debt i could probably prove i was here in california at the time.I disputed this with experian twice but they said it was " certified '' by XXXX that it was me, it isn't me. 
XXXX XXXX XXXX XXXX XXXX/ Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( 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 2018-05-08
Company: Experian Information Solutions Inc.
State: MS
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:
FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.

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 2017-08-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I got on a repayment plan that was supposed to lower my monthly payments. Since I had a cosigner on my loan, they had to take both of our information in order to calculate a payment. They first tried to tell us we had a certain amount of money laying around when we indeed do not. The person that helped us set up our account asked did I spend x amount on groceries and I lied and said yes. The truth is, I do n't even have enough money to buy groceries. We set up a plan and I was able to split my payment up biweekly to something barely manageable for me. They take have been taking my payments up bi-weekly and I started getting calls and emails saying that my account was n't current. I called and spoke with a very rude and snippy NAVIENT rep that was mean to me all because I was trying to gain clarification about my loan and why the payment had went up in the midst of me paying what I could already BARELY pay. She said it had something to do with my interest going up, but no one EVER told me that this was even possible. Unable to get some understanding I eventually hung up in her face because it was pointless talking to her. She was heartless and inconsiderate and poorly trained representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX account has violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions

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 2021-02-04
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: MO
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:
The following accounts are not mines, I been a victim of the Equifax breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) Missouri Div Child Support {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Account Ending In XXXX Reference Number : XXXX Merchant Name : XXXX XXXX Transaction Amount : {$500.00} Transaction Date : XX/XX/2020 Dear XXXX XXXX, We are writing regarding your inquiry about the charge ( s ) from XXXX XXXX of {$200.00} on your account. Request you to please provide detailed letter describing the events surrounding your claim, including the exact amount of credit you are requesting. 



Request you to please provide details of overcharge with exact amount you are disputing with proof of being overcharged and please provide proof of merchant agreed to do a price match or agreed to refund or proof of promised refund. In addition to above, if you have any documents pertaining to the claim, then please provide us with that. 



For all other claims, please send us a detailed letter describing events surrounding your claim, including exact amount of credit you are requesting and any additional information you believe will help us to investigate the claim on your behalf. You can send us information by uploading your documents at americanexpress.com/document center. Be sure to select Billing Inquiry as your document category and use your Dispute Reference Number for your submission. If you prefer, you may also fax it to XXXX, or mail it to following address : American Express Credit Card Account, Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

today i got this email after numerous letters sent and calls i have explained over and over why i dont have the chat transcript wherein the XXXX was promised to be refunded my phone rang friend was in an accident and i was unable to save the chat i have explained this many times over and over no one listens Same form letter just like when i originally called this in it was not taken accurately.XXXX XXXX stimply sent bill and i was rebilled this is NO T the dispute the dispute is whether i was promised something which i was and i do not have proof what i do have here is however is a good name and i am not sure what will happen here but i know i wont use my cards any until this is properly resolved. 
i have no other info than what i sent please ASK them to investigate who andw why i was lied to put it on them. they have more resources than me i wont pay this i cant use my accounts here either right now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam, on XX/XX/2021 I was notified by my credit monitoring agency of a negative declaration on my XXXX  credit site. This was generated by Sequium Asset Solution XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. I informed their representative the amount in question was an error. Nothing they could do as their client XXXX had turned this matter over. I have attempted numerous times to have XXXX correct their error. Nothing was done at XXXX due to their lack of coordination in establishing and maintaining accurate customer records. XXXX, XXXX, XXXX /XXXX does not have the ability to verify information with their own subsidiary companies nor share or view billing information on their customers. I decided to start a consumer complaint with the Illinois attorney general 's office. The attorney generals site recommended contacting XXXX, which I did on XX/XX/2021. Speaking with XXXX at XXXX they could not find an issue with my account, after determining the correct account number I was transferred to XXXX XXXX and continued the process of reconciliation, I was then transferred to XXXX at XXXX XXXX XXXX, once again my account could not be reconciled I was then transferred to XXXX in XXXX  XXXX  and informed they cound not see the separate charges for XXXX, XXXX, OR XXXX XXXX XXXX. I was told they can only see records for a certain period of time. From the initial phone solicitation from XXXX I have been mislead by poorly trained representatives who make promises of services ( XXXX XXXX  ) that XXXX can not deliver. Slower speeds of internet are then crammed to the customer. XXXX  takes no responsibility for their representatives misinformation, lack of coordination of customer records and the sends false amounts to a collection agency potentially damaging credit score. XXXX  should resolve this issue, correct the credit report and remove any and all erroneously placed information by their company or subsidiaries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who CREDIT BUREAU ASSOCIATES, INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CREDIT BUREAU ASSOCIATES, INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CREDIT BUREAU ASSOCIATES , INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ CREDIT BUREAU ASSOCIATES , INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to CREDIT BUREAU ASSOCIATES , INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Comerica
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2018 : XXXX XXXX or XXXX XXXX debit card has incorrect balance. There is ( {$57.00} ) missing in my account and the balance online is incorrect! Previously, I had been traveling outside the USA and if this error occurred it could have gotten me killed in a unknown location. There have been many complaints filed about the online portal and ethics of social responsibility involved in this bank. If they can not get an online banking portal correct without an efficient way to contact them, then taxes with social security and retirements appear not valuable to the government who use taxes from crime in this system!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: MIDFIRST BANK
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: Account status incorrect

Complaint:
I have reached out to Midland Mortgage to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and Midland mortgage advised me that the payments will not be reported to the credit bureau as late payments while under this program. Midland Mortgage in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX Midland Mortgage continues to report as late payments for this timeframe. I reached out the Midland Mortgage around XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from Midland Mortgage stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after Midland Mortgage assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from Midland Mortgage that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Midland Mortgage must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with Midland Mortgage and wish that they correct their errors.

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 2020-11-29
Company: Fig Tech Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer and XXXX XXXX has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XX/XX/XXXX and XX/XX/XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2017-08-10
Company: Experian Information Solutions 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 wrote to XXXX XXXX concerning two accounts which are showing chargeoffs and collection activity. I wrote to the company on XX/XX/XXXX and again on XX/XX/XXXX to request documentation to support the reported information or deletion of this inaccurate information. They never responded and have stonewalled me. They have a responsiblity to prove the reporting or repair or delete it.

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 2023-01-23
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: Reporting company used your report improperly

Complaint:
I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX XXXX XXXX financed through Exeter finance. I reached out to Exeter finance in XX/XX/XXXX to see if they would work with me to try and lower the payments so that i can keep the vehicle during the pandemic. Exeter declined and the vehicle was repossessed and i actually paid to get it back in which they said they would work with me. I asked could payments be rolled over to the end of the loan and what was my other options, unfortunately the vehicle was repossessed again in XXXX, they never sent me anything where the vehicle was located so that i could retrieve my personal belongs nor when the vehicle would be auctioned off. I received a call from them in XXXX stating they sold the vehicle and that i had a remaining balance of {$9800.00} left on the loan. I later received another letter from a collection agency stating they represented Exeter and i had a balance of {$5500.00} and i was only to communicate with them to settle the debt. Exeter is reporting 3 different balances on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To reduce our monthly mortgage and possibly access an equity line of credit advertised by our servicer 's lender affiliate, XXXX, I started the process of cancellation of PMI by contacting the mortgage service, LoanCare, and asking they send me instructions in XX/XX/XXXX. Having not heard anything, I called LoanCare on XX/XX/XXXX and they emailed me an electronic copy of a letter dated XX/XX/XXXX ( which I never received in the mail. ) Following the instructions in the letter on how to cancel PMI, I sent a check to LoanCare to pay for the needed appraisal of my home in the amount of {$520.00}. My bank statement shows that LoanCare cashed the check ( XXXX XXXX, Check # XXXX XXXX on XX/XX/XXXX. Having not heard from LoanCare since XXXX, I tried to get a status update earlier this month. I called multiple times, and spent several hours, calling on XX/XX/XXXX and XX/XX/XXXX, the toll-free number ( XXXX ) printed on the XXXX letter. The toll-free number continuously looped through a series of pre-recorded prompts and account information, like my last mortgage payment amount and my next payment due date, none of which had anything to do with cancellation of PMI. There was no PMI option. When I followed the prompts for options like refinancing or filing insurance claims, knowing they were not relevant but wanting to at least hear the voice of a live person on the phone who could help me, these XXXX live operators ( including XXXX in refinancing and XXXX in Claims ) " transferred '' me back to the servicer, LoanCare, or gave me other toll-free numbers for LoanCare ( including XXXX and XXXX ). The transfers and trying additional toll-free numbers sent me through the same continuous loops of pre-recorded prompts and account information with no options for PMI. After several frustrating hours, I gave up trying to get a status update on my PMI cancellation request.

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 2019-10-04
Company: Experian Information Solutions Inc.
State: TN
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'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA XXXX XXXX, XXXX, TN XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.

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