BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-22
Company: Navient Solutions, LLC.
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:
Hi, Ive been trying to pay off my student loan at Navient for over a year. I had the loan in the US but now Ive relocated permanently to the XXXX. Ive been lied to several times and now Ive exhausted all options left with no way to make a payment. They tell me I need a US bank account or a money order. Neither of which are possible here in the XXXX. I opened a foreign currency account and transferred currency at their advice only to discover that didnt work so in the end I love money transferring currency. Ive gotten a prepaid card loaded with funds at their advice only to discover that that didnt work either, again losing money in the process. 

Im so beyond frustrated and have no solution for how to pay this loan off. Theres definitely something really wrong with this company. Its very weird. 

Please can you help me? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: ATG Credit, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had sent my dispute by certified mail to this company to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, this company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. 

This company dubiously claim to have somehow verified these items. Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! 

Please remove this immediately! This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NY
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 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 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 XXXXXXXX has violated my rights. 
15USC 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-29
Company: CITIBANK, N.A.
State: MA
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 are the remarks that is not accurate. It makes the reports inaccurate. 

XXXX OK OK OK OK OK OK 60 30 OK OK OK OK OK OK 90 60 30 OK OK OK OK OK OK OK XXXX 30 OK OK OK OK OK OK 90 60 30 OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK 60 30 OK OK OK OK OK 90 60 30 OK OK OK OK OK OK

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 2023-02-23
Company: EQUIFAX, INC.
State: CT
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

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 2022-11-21
Company: EQUIFAX, INC.
State: LA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
THE ACCOUNT IS NOT SHOWING ALL PERTINENT INFORMATION ON " CLOSED DATE '' AND " LIMIT '' .THE ACCOUNT IS SHOWING INACCURATE " LATE PAY '' DATES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with Citizens Bank online in early XX/XX/2018. My account type was One Deposit Checking account. After a few days of opening the account, I found out that Citizens Bank did not intend to honor a sign-up bonus that I was interested in. So I called them to close the account. But every time I called them, I had to wait at least an hour listening to the hold music and still not getting any live human agent to talk to. After calling in about 4 times, I gave up. I visited their branch at XXXX XXXX XXXX XXXX, XXXX, NY XXXX and talked to a bank agent in person. She said she closed my account. But after returning home, I found out that I could still log in to my online account and neither did I receive any notification that my account was closed. Please close my account ASAP. Otherwise they would find another reason to charge me a fee next month!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  XXXX  Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX   Past Due Amount : {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Late payment was never late, Please remove. The above named account was reported late on XX/XX/2023. The amount reported late is in the amount of {$550.00}. This is incorrect information. 

Transunion 's Resolution : XXXX XXXX XXXX was UPDATED, My Complaint : I requested to have the late payments REMOVED. The credit reporting agency has not removed the late payments. 
By LAW 15 USC 1681a under the exclusions that a consumer 's transactions or experiences are not included in the consumer report. How are you reporting this item as late on your system when clearly the law states on the consumer report its not supposed to be there?

Late Payments reporting to my consumer credit report is illegal according to 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 2019-12-02
Company: McNeil & Meyers Asset Management Group, LLC
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:
Mc Neil and Myers collection agency no longer has any of my information my account has been transferred to a XXXX XXXX collection agency which I have paid in full this been going on since XX/XX/XXXX/XX/XX/XXXX this need to be fixed both these collections agency have given no help at all

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: TN
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: Other problem getting your report or credit score

Complaint:
XXXX  and Equifax is not allowing me to get access to my mortgage credit scores. I recently made an application to get a first time buyer 's home mortgage loan. When I received my scores from the lender I was not aware of the scores they sent me, a copy of the scores XXXX and Equifax provided them. These score are XXXX 's XXXX XXXX XXXX and Equifax 's XXXX XXXX XXXX model scores. I was able to get a copy of XXXX  's XXXX, XXXX XXXX XXXX score from a membership subscription they provide to me. My mortgage score from XXXX  and Equifax seems to be impossible to obtain. I need access to these mortgage scores from these two credit bureaus to know what they are before applying for a home loan. They are using different models with XXXX XXXX XXXX XXXX XXXX  XXXX ) which is easy to obtain, but this is not the scores used to get a mortgage loan. I recent had an issue with XXXX  not updating and report accurate credit card information. I believe this caused me to be denied over one point ( XXXX  ) with XXXX 's XXXX XXXX XXXX due to not reporting accurate account information on my credit report. Yet, without me having access to the correct credit score model for a mortgage, I am in the dark of when and how this score is updated/calculated. I have a monthly membership subscription with Equifax with the XXXX XXXX  XXXX score of ( XXXX ), but they are not providing me with the XXXX XXXX XXXX score to know my mortgage score. The same issue with XXXX  's XXXX XXXX  XXXX of XXXX. This is very confusing because these two credit bureaus agencies are not being fair on the access to the mortgage scores that the mortgage lender pulled with the application I submitted on XXXX XXXX, 2020. If XXXX  can provide access to my mortgage credit model score, I should have the same fair option to obtain these hidden score from XXXX  XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
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:
Company : XXXX XXXX account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
AGENCY TRYING TO A COLLECT A DEBT IN WHICH WE HAVE NO CONTRACT

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 2019-08-29
Company: Credit Corp Solutions Inc.
State: IL
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:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to Credit Corp Solutions. 

In XX/XX/XXXX, I paid Credit Corp Solutions for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and Credit Corp Solutions assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, Credit Corp Solutions refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On X/XX/2017 I opened a free account with Experian that allows a user to monitor their credit report for free. I used my account to initiate a credit freeze on my credit file and I was directed to Experian 's Identity Protection feature which is not free. After I declined the Identity Protection I found the page to place a freeze on my credit file. I entered all my information as I did when I opened the free account and Experian declined to place the freeze on my credit file. Experian used the excuse that they could not place a freeze on my credit file based on the information I entered. I used the same information to open the free account so how could it be correct to open the free account but not to place a freeze.

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 2018-07-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have operated a XXXX XXXX in my home for over 20 years while living there as my Primary Residence. On XX/XX/XXXX Hurricane Matthew struck the First Cost in XXXX, and a 4 ' diameter Oak Tree fell on the property and render the property in-habitable. 
The Insurance Company did not approved of the Claim until on or about XX/XX/XXXX, and the repairs to the structure, roof, floor, walls were replaced and a Certificate of Occupancy was certified after XX/XX/XXXX.I have been without revenues for over NINE MONTHS! Today, we are back in the business of running the XXXX XXXX, although MANY PARENTS DID NOT WITH THEIR CHILDREN because of the length of the closure. 
Meanwhile I continue to work at the XXXX County XXXX XXXX as a Part-time XXXX, but my income was insufficient to keep the Mortgage Payments current. 
I have applied for a Loan Modification as soon as income started to come in and have presented a Profit and Loss to Wells Fargo as well as my Pay Stubs from my part-time job. Wells Fargo Home Preservation Department stated that I did not earned enough income to offer me a Loan Modification according to Making Home Affordable Act. Wells Fargo steadfastly insisted that my Income from all sources was ONLY {$1100.00} a Month. I appealed their decision and provided Bank Statements showing the average gross income from the XXXX XXXX to be {$2000.00} and growing, and my Part-time Income is {$1200.00} gross per month. Wells Fargo 's representative telephone me today and said their decision remains the same. My Mortgage is a 9.6 % 80/20 Predatory Loan with 11.00 % Second Mortgage service by Wells Fargo. I disagree with their decision because they DID NOT OFFERED ME HAFA, or any other Program in the HAMP. I have attached my Pay Stub, and Profit & Loss for your review.

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