BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MD
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 XXXXXXXX  is reporting incorrect info to my account.The account reporting is not my account... I have been an victim of identity theft.This account was open fraudulently.I never had this card.I want the opening this card investigated and removed from my consumer credit reports.I have contacted the police.I have filed a complaint with OCC about 3 times.I have also contacted the FTC.This is not my account.I never applied for this account in XXXXIf i have to file a lawsuit aganist them in federal court.I will file a lawsuit.I want this removed from my account asap... I want this investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
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: Their investigation did not fix an error on your report

Complaint:
These company just didnt an investigation and stated account was updated and nothing happened, these is just an unacceptable violating my rights over and over and yet i provide all the evidence to it, how can a charge off start been a charge off XXXX XXXX and XXXX XXXX it stops, these account is reporting XXXX negative months affecting credit report and hurting me in many ways, how these account still be reported if acccount last active, date of last payments are all incorrect in all these bureaus i need these account deleted. 

Account info Account name XXXX XXXX XXXX Account number 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 2022-04-29
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX  Account # : XXXX has violated my rights. 

XXXX  Account # XXXX Has violated my rights XXXX XXXX Account # XXXXhas violated my rights. 

XXXX XXXX IN Account # XXXXhas violated my rights. 

XXXX XXXX Account XXXXhas violated my rights. 

XXXX Account # XXXXhas violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX 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 : 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 explanation
Consumer complaint received 2021-12-03
Company: First Federal Credit Control, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX balance. Account number XXXX XXXX balance XXXX XXXX account number for XXXX XXXX XXXX I dont owe these Ive despited to the bureaus no proof of debit. I need these removed asap its hindering for financing home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: AL
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:
RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 e t seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.

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 2017-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 recently reviewed my credit report and saw FIFTH THIRD requested a copy of my credit report on XXXX XXXX and XXXX XXXX 2016. I mailed them a letter requesting a copy of a written document giving them permission to do so. They have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This was a loan of {$12000.00}, with {$7200.00} to be sent to a creditor to pay off a loan balance and {$4200.00} to be sent to my bank for my use, and also included a {$600.00} fee. I was notified by email XXXX XXXX that " on XX/XX/XXXX payments totalling {$7200.00} were made on my behalf '' to the accounts I selected as part of the balance transfer and the {$4200.00} would be deposited into my checking account. The {$4200.00} was indeed deposited within XXXX hours. As of XX/XX/XXXX, the balance transfer of {$7200.00} has not been received by my creditor, XXXX. During various phone calls I have been told the transfer was made by check, it was sent the XX/XX/XXXX ( later told it was sent XX/XX/XXXX ), would take XXXX days, then XXXX days, then XXXX weeks and has now been XXXX days. Can not get any phone calls or emails from Lending Club, can not get them to cancel the check and make the transfer via XXXX or any other action. I am being charged interest on a loan amount of {$12000.00} although neither I nor my creditor have received {$7200.00} of that total amount. Absolutely the worst service I have had from any financial company. Have contacted them at least XXXX times with still no resolution other than they are " looking into it '' and will get back to me ASAP which they never do. It is absurd that I have to pay them interest on loan proceeds I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX placed a collection on my credit report in the amount of {$1000.00} which does not belong to me. They have not provided any validation that this collection is mine. Validation means to provide me with a document that has my signature on it that proves this debt is mine. They have only provided a bill, which is not validation. 

Furthermore, as I look on the IL website for collection agencies that are licensed or bonded to collect debts from me in this state, they are NOT licensed in IL to collect debts. They have placed this collection on my reports erroneously and are also not even legally eligible to collect debts in this state. I would like this debt permanently removed from all my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
on XX/XX/XXXX I wrote a letter to TransUnion, XXXX, and XXXX asking them to delete all inaccurate personal information from my credit report I mailed in supporting documents such as current drivers license, birth certificate, social security card, current utility bill, ect. and they still failed to update my personal information. again on XX/XX/XXXX I sent a second letter to all three credit bureaus with supporting documents and again on XX/XX/XXXX a third letter with little to know result. Some information was updated and removed with TransUnion, and XXXX, but nothing changed with XXXX, and XXXX has been the most difficult to work with. I even sent in a police report where my wallet was stolen that had my current drivers license, and social security card in it. 

I have continued to send letters with little to no results : XXXX letter sent XX/XX/XXXX letter sent There was a collection from XXXX that showed up on my credit report at the end off XXXX or the begging of XXXX I tried to dispute that, but that came back as verified. I have requested a debt validation letter from all three credit bureaus, and I have not received anything. I have not received anything in the mail from XXXX and I truly believe that this collection does not belong to me. 

After my wallet was stolen I started seeing hard inquiries appear on my credit report I don't know what else to do, but the information that they refuse to update or delete 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 2021-10-18
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/2021 I discovered this collection on my credit report, I never recevied any notification that National Credit Adjust was trying to collect on a debt. I sent National Credit adjust a debt validation letter. I asked that they provide me with certain items to show me why I owed National Credit Adjust and they only provided photo copies of credit card statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting  XXXX  separate accounts that are linked to my  SSN,  dates ranging from  XXXX   XXXX , 2008-  XXXX   XXXX ,  2008 . All  XXXX  accounts are with a  XXXX  balance, however it is reporting as a bad charge off/ closed account to the  XXXX  credit burea us  XXXX  ,  XXXX , and  XXXX  . This information is incorrect and is hindering me from having a better credit report/score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: AR
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 following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states that I have the right to privacy 15U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states that I have the right to privacy 15U.S.C 1681 Section 604A Section 2 also states that 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 explanation
Consumer complaint received 2021-12-04
Company: VW Credit
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get a loan modification from Select Portfolio Servicing for 4 years. At one point, they did send me a letter stating they had all the documents but then ended up starting another application. My financial hardship began with the loss of my job, terminal illness of my husband and just got worse. I stayed in contact the whole time with SPS and it was always the same response - they did n't receive all of the documents. At one point my application got caught up because they insisted I send in a copy of my cashed XXXX check. This would have to be obtained from the US Treasury and is impossible to get. They have ignored my requests and I submitted a loan modification offer. After submitting this offer, I was confused as to which modification application we 'd be working off of and knew they could not proceed with both as it would be dual tracking. Due to this and the XXXX this has all caused me, I was working on the documents needed. In the meantime, the foreclosure was not cancelled - again, dual tracking. With the foreclosure scheduled, SPS had no intention of ever giving me any type of modification and is now trying to foreclose illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This accounts appears on my credit report today. 
Its reporting that this account was opened in 2020 during convos. I never opened this account I want prove of debt and for them to remove this inaccurate fraud account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover Card compromised along with other banks and personal information in 2018. Victim of ID Theft. Fraudulent charges made to card ; discover fails to remove them in addition to reporting inaccurate, derogatory information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Due to Covid-19 I have lost my income ( hopefully temporarily ). I live in Illinois and my shop was forced to close due to the statewide shutdown on XX/XX/XXXX. I immediately applied for AES 's " disaster forbearance '', and was given confirmation of receipt of my message on XX/XX/XXXX. Since then, I have received only " past due '' notices. I have applied again and again through their system, each time only receiving confirmation of receipt, and then more past due notices and instructions on how to apply for the forbearance, for which I've applied multiple times. When I try to follow up on that I get nothing. They also note that they are reporting my delinquency to credit agencies every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX Alabama on XXXX XXXX, XXXX for {$14000.00} and have made monthly payments of {$380.00} since. My balance is at {$10000.00}. After five years of paying {$23000.00} on a {$14000.00} loan I have only paid less than {$4000.00} in interest. My payment this month went 100 % toward interest ( after 5 years of paying ) and my payment last month of {$380.00} only put {$61.00} toward interest. In early XXXX of this year I paid {$1000.00} and asked that it put directly toward principal as it was besides my normal payment, Santanders put {$210.00} toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the {$61.00} toward principal and this last payment, none.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Account information incorrect

Complaint:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As you already know, Equifax was part of a credit breach of millions of Americans. My whole family was affected. It costs {$7.00} to put a freeze on our credit. That amounts to almost {$70.00} to freeze credit for our household. They told me I had to contact my attorney general in my state about this. I think Tennessee should be wavering this dollar amount because so many Tennesseans are affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from XXXX XXXX XXXX threatening me with a lawsuit even though I told them not to contact me again without a proper validation letter as required under FDCPA. They contacted me anyway and are trying to coerce me into paying debts I do not owe according to the law. In addition, the debts in question are invalid because 1 ) the original providers sent me bills more than two years after I was seen and therefore missed the six-month Good Filing Deadline, and therefore according to regulations these charges MUST be written off ; and 2 ) I was under XXXX and was taken involuntarily to XXXX XXXX Hospital on XX/XX/XXXX, 2013 and therefore the state is responsible for paying the bill, not me ; that is an established fact of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called Navient about re-certifying my student loan, but I was redirected to a company that offered to consolidate my loans for a fee. They wanted pictures of my I.D . and credit cards. Their website is nothing but a XXXX blog. 
XXXX XXXX XXXX I did n't pay them anything, but I am appalled that Navient would let me be automatically redirected to such an obvious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2022. I bought things through the weekend, it showed on ATM receipts and app as off my total. Sunday night the XXXX something came out putting me negative. I should have got XXXX over draft fee they charged almost XXXX in fees for things I bought friday and Saturday .. this is the XXXX time this has happened. First national bank of Pennsylvania

Company response to consumer: Closed with monetary relief