BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, name on file, addresses, nor did I authorize these companies to pull my credit.

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 2017-08-08
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from MRS BPO LLC. I had previously disputed this account. I have never done business with MRS BPO LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MRS BPO LLC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MRS BPO LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Using the www.annualcreditreport.com site, I tried to access my three free credit reports. XXXX  was able to present me with a report. XXXX  and Equifax claim that they were unable to verify the information I provided and did not provide me with a report. There was no explanation provided. My understanding is that the three agencies provide and support that site. So how come they can not collect the information that can ensure my identity is valid? Of course, they offer the ability get a report by mail. This is all designed to frustrate the user until they give up. They are not living up to their responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
To whom it may concern On XX/XX/2020 I mailed a written request to Transunion by certified mail, the company received my request on XXXX XXXX. I requested the following accounts to be verified XXXX XXXXy company acct # XXXX and XXXX XXXX acct # XXXX. Included in my request was a colored photo copy of my Drivers license, passport, and copy of utility bill with my current address to make the company aware that I, myself was disputing and not a third party. Subsequently XXXX  and XXXX  completed a thorough investigation and responded in a timely matter. Today makes 58 days since Transunion has received my dispute. According to the FCRA they have 30 days to investigate and respond to a dispute which they are now violating the law. 

Please see attached mail receipt and updated credit reports from XXXX  and 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 2018-02-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Today, XX/XX/2018, I called my student loan servicer, Navient ( XXXX ) to report I was back to work but because my wife 's deductions were so high on her pay that making payments was a hardship. I was advised that I was out of deferrment time, as well as forbearance time ( which I have no problem with ), and was advised that I did not qualify for income driven repayment plans. The rep advised me that if I gave Navient my bank account information and allowed them to take auto debited payments she could make my account current. I advised I didn't want to give out that information as I have been an identity theft victim in the past. So the rep advised that my only option was to make partial payments in amounts I could afford until the account was current. I clarified with the rep that if I had understood correctly, that if I provided my bank info, she could make my account current, but if not she was unable to help. I find this to be nothing short of blackmail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-10-15
Company: Experian Information Solutions Inc.
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:
I have tired to fix the Problem with Experian Multiple times I have sent them my police report, copy of my FTC and the still send me some generated letter saying they won't blocked information. Enclosed is the generated letter I received not only are the reporting a fraudulent account on my report but they are also added inaccurate and fraudulent late payments on this fraudulent account for the month of XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX not only are they inaccurate but this is a fraudulent account. I talked to a fraud department to some one named XXXX who wouldn't let me speak to a Superviser and said they didn't care about my police report also said he wouldn't not give me the information to their Headqurters when I asked who he was with he said the XXXX department. The police department does not know what they want when they already issued me a police report. I am providing my Police report, FTC affidavit copy of my dispute and the copy of the generated letter they keep sending me. I have also contacted XXXX XXXX and send them all the documents I was told they account was closed years ago and it has nothing to do with me. I do not know where they Experian is getting this fraudulent information. They are the only credit reporting agency who is knowingly and willingly reporting fraudulent account on my credit file. XXXX  and XXXX  do not have this fraudulent information on my credit report. After trying to resolve this issue on the phone today on a recorded line XXXX from the fraud department told me to file a lawsuit and that will be the only way they would let me speak to the legal department. You can listen to the recorded conversation the call was made XXXX XXXX at XXXX XXXX from the XXXX  fraud department.

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 2020-12-08
Company: DISCOVER BANK
State: SC
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:
Discover Financial Services XXXX This account was opened XX/XX/2019 and removed from my credit files XX/XX/2019. I have not had any issues with XXXX or XXXX. Discover Financial Services reinserted this account back to my XXXX  credit file without verifying that I owe anything. Neither Discover Financial Services nor XXXX  have provided documents proving I granted Discover Financial Services permission to post to my credit profile. XXXX  did not offer any explanation of how Discover Financial Services was verified. 
Discover Financial Services continuously violates 15 USC sections 1692 A E and XXXX allows it. Discover Financial Services refuses to provide contracts with my signature proving I agreed to do business with Discover Financial Services. It is unfair as a consumer that I have to endure unfair credit reporting practices from Discover Financial Services and XXXX. This account was charged off 7 times. 
XXXX has continued to ignore my requests to remove this account and stated in writing that unless I send in relevant information they will not investigate my dispute yet XXXX  has not shared information with me on how Discover Financial Services was able to prove I owe anything. I feel helpless because these companies are allowed to treat us however they want and are allowed to get away with it. 
I even read in the Fair Credit Reporting Acts that once an account is removed it can not be reinserted to a consumers credit profile. How are these companies allowed to get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father passed away in XXXX. He has a POD account with PNCbank. PNC refuses to admit the account is pod even though it is marked pod on his account statement and will not talk with us without an executor of the estate. With pod you dont need an executor of the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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: Personal information incorrect

Complaint:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-01-06
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX. I am filing this compliant for misleading false reporting 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 2019-04-26
Company: AES/PHEAA
State: UT
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:
XXXX XXXX claims I have been 100 + late on payments but I have been in school the entire time. I got my XXXX XXXX now I'm getting my XXXX. When in school your loan can be deferred and it shows on my credit mine wasn't and still isn't in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card through XXXX XXXX, which was charged off back on XX/XX/2015. It was a credit card for the store XXXX, which went out of business. My credit limit on this card was around {$300.00}. I have been dealing with Portfolio Recovery Associates,  LLC since then. I have tried to reason with them, stating that there is no way I owed {$1100.00}, as my credit limit was not that high. They have refused to discuss this with me. I just received a fraudulent credit card statement from Portfolio Recovery with a statement showing I owe {$1100.00}. This statement was fraudulently created by Portfolio Recovery. It shows on the statement ( attached ) that it's from XXXX, this is a complete lie and a fabricated document made by Portfolio Recovery. I demand this account be removed from my credit report and Portfolio Recovery investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: CO
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 have made 3 disputes with Experian in regards to late payments on my student loans. I reached out to my school about this first, and they told me to dispute the late payments and that when Experian reached out to them, they would not respond, resulting in Experian removing them from my credit report. The first dispute I opened was XX/XX/20 and they had dispute results ready on XX/XX/20 with no changes made to my credit report. I disputed the account again on XX/XX/20 and this time included documentation. The dispute results were ready on XX/XX/20 with no changes to my credit report. I called Experian on XX/XX/20 inquiring why the late payments had not been removed. The representative I spoke with informed me that the documentation I had submitted was never attached to my case #, I asked her to start another dispute and to include the documentation and the results were ready on XX/XX/20 again with no change to my credit report. I do not believe Experian has received a response from my school in regards to the late payments on my student loans or reviewed the documentation that I submitted. Since my first dispute, more than 45 days have elapsed and these should have been removed from my credit. I am enlisted in the XXXX XXXX  and the XXXX makes yearly payments towards my student loans, which I have proof of.

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of 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 2020-10-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM LOOKING FOR HELP GETTING THESE FRAUDULENT ACCOUNTS REMODVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY, BUT I AM A VICTI OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITIY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME, I HAVE BEEN TRYING TO FIND THE RIGHT REMEDY TO GET THESE ACCOUNTS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XXXX, I contacted a law firm to represent me in talking with my mortgage company in hopes of getting a better mortgage rate. The law firm was unsuccessful in dealing with the mortgage lender, and I paid them nothing. As a result of the law firm contacting the mortgage lender, the mortgage lender Ocwen without my consent, without my knowledge, and without my approval decided to defer {$85000.00} of my mortgage until the year XXXX. This action resulted in me paying on a {$10000.00} loan at an adjustable rate which caps of 4.12500 %. I never asked for any of this to happen, and because all of this happened without my consent I feel violated. I was still making my payments on time before this change in my mortgage. This was not how my mortgage was set up initially. Before the law firm contacted Ocwen, I had been paying on the whole amount which was {$180000.00} at an adjustable rate. After Ocwen 's change to my mortgage I looked over my statements it became apparent that I am to pay off the {$100000.00} portion of my loan in addition to an {$85000.00} lump sum in XXXX. This will be insurmountable for me. I did not ask my for loan to be broken up in this way, and insist that the original loan agreement that I signed for in XXXX be restored with a permanent fixed rate. Ocwen made this decision and then switched me to their subsidiary PHH Mortgage. Again, I want my loan restored to the original agreement which was inked in XXXX. I had never missed a payment nor was I ever late. I do not believe that my credit rating was so bad that they could do nothing better for me. But I add the caveat that Ocwen forgive me from the {$85000.00} deferment and restore me to a permanent fixed rate for the duration of the {$100000.00} loan.

Company response to consumer: Closed with explanation