BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to the company for months now and they refused to remove the debt off my report. I talked to the rep in charge of my account and everything. I emailed him the proof he asked for on XX/XX/2020. He responded on the XXXX of XXXX and said he would remove it give him 3 to 5 days. It wasn't remove. I emailed him again on the XXXX of XX/XX/2020. I asked in the email why it was removed. He now says he is waiting on a response from someone to remove it. I emailed him again on XX/XX/XXXX and asked whats the hold up. He did respond. Its an apartment and I have to move next month for a job. If that's not remove I won't be able to find an apartment. Or I will be charged a high deposit for something that I took care of way in advance and this company is blocking me from moving forward. Please help me i don't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: ERC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
RE : Consumer Financial Protection Bureau To Whom It May Concern : I am writing to complain about Non-Compliance for the following Credit Bureaus ( XXXX, Experian and XXXX ). I have requested my Full Consumer Disclosure File ... They have all failed to comply with FCRA, Section 609 ( a ) ( 1 ) by not providing the date of first delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. I've enclosed all 3 letters sent to the Bureaus requesting my Disclusure File. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX  is the Original Creditor and Original Account # XXXX   that I am concerned about ... I believe that a junk debt buyer of this account has violated FTC and FCRA Laws by re-aging debt. Please see attachment of XXXX XXXX. I sent all 3 Bureaus the processing fee of {$12.00} dollars, so far only XXXX cashed theirs, but XXXX  and Experian has not done so, nor returned to me. I am including a copy of a canceled check cashed by XXXX for the processing fee for my Consumer Disclosure fileXXXX  and Experian has not cash the checks sent for the processing fees so far. I am requesting that the CFPB engages all 3 Bureaus for Violating Consumer Credit Laws and especially FCRA, Section 609 ( a ) ( 1 ). This information is very important to me in defending myself and correcting my CR against a junk debt buyer that is hurting my report by Violating Consumer protection laws.

Kindest Regards

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 2021-04-09
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had 2 health service debts for collection on my credit account amounting to {$40.00} and {$30.00} from XXXX XXXX issued on XX/XX/XXXX. I tried contacting the hospital but they had no record of it in their system. So I contacted the debt collection agency ( Simon 's Agency Inc. ) and paid the full debt owed and cleared my account on XX/XX/XXXX with verbal verification from them that the collections will be cleared from my account in 30 days or less, but it never did and the negative impact from the collection is still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: NC
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:
I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Paypal Holdings, Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My paypal account has an added insurance protection called buyer 's protection. I was approved to use this as per my qualifications of the issue were an item was not as described that was purchased via XXXX   yet backed by paypal to be governed under my rights with their buyer 's protection. The paypal issue dispute resolved to escalate to a claim whereby I was to be issued a full refund by the merchant. However, the exacts of the instruction of paypal in their e-mail to send the merchandise back as with an online trackable shipping service are now being brought under scrutiny that somehow I am liable for the merchant who denies he received the package? Paypal is negligent in that their instruct e-mail did not delineate in the wording which lacks any clarity to specify that an additional measure or step would be necessary which is considered a proof of delivery added measure of protocol when I sent parcel with tracking. The USPS did not ask to add this measure I did not know it would be necessary and the paypal instructs do not state as much at all in their wording. Yet, now since the merchant/seller/recipient is not obliged to prove he did not receive it he is able to escapade that he has not received it. I should not be held personally liable to not recieve a refund per the neglect is on the part of paypal who had neglected to instruct me properly on adding a proof of delivery confirmation as somehow now being implied mandated? Which is news to me and it not in their instructions e-mail. The paypal has refused my refund I have sent to their legal department a complaint. But, have heard nothing back. I am due a refund under the buyer protection per I followed properly all instructions of the paypal return letter in the e-mail they described only to send as trackable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: MN
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 have previously disputed with XXXX, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2021-10-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two student loans that were transferred to Navient from Sallie Mae. My payments were being misapplied from XXXX through XXXX on both loans. One of my loans had a disbursement amount of {$10000.00} on XX/XX/XXXX, I was immediately billed for a principle amount of {$23000.00} on the same date. My second loan disbursement was for {$7900.00} on XX/XX/XXXX, I was immediately billed for a principle amount of {$16000.00}. All of my payments were going to interest based upon the outstanding balances. In addition, the capitalized interest on the loan and late payments are not accurate, also I am not clear what happened when the loans were sold on XX/XX/XXXX. Navient didn't inform me that my loans were going into repayment ; as a result I have incurred a 30-day and 60-day derogatory remark on my credit reports. When I reached out to Navient after pulling my credit report, I was advised my account had a cease and desist in place. I advised Navient that I never requested a cease and desist for these two loans. I called Navient on XX/XX/XXXX and spoke with a supervisor regarding my payment history as reported on their website. I was advised Navient has two sets of records for my account, and the correct records are not what is shown on their website. I was advised I would be receiving the correct records in the mail within 4 weeks, I called back after 3 weeks to see if the records were sent and was told to wait. As of today, I still don't have those records or any clue about the accuracy of what's reported on the website. The website doesn't show figures for years XXXX, XXXX, and most of XXXX is missing as well, on both loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
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: Their investigation did not fix an error on your report

Complaint:
I have pulled my credit report and found there to there to be inaccurate inquiries on my credit report. I have sent 2 letters via certified mail to Transunion Credit Reporting Agency requesting for the removal of these inquiries. This is my official complaint and last resort before I seeking damages if these inquiries are not removed. It is to my knowledge that the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. 
XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX   XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/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 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
For the past 9 months I have requested verification on several accounts reporting inaccurate information on my credit report. These inaccurate and unverifiable accounts have given me serious XXXX  as I have been denied credit because of them. I have called and sent several certified mail with documents of proof to the inaccurate accounts, but still I have been ignored. Each time I am only sent back automated responses to my investigation request. I know they are automated because they all respond the same way even though I send the supporting documents. I requested verification of an inaccurate, unverifiable Bankruptcy that is being reported on my credit report and was told it was verified by XXXX, however, I have had a Security freeze on my XXXX report since XX/XX/2019. I would like to know how I was given a fair investigation if XXXX was never contacted to request the information? Because if XXXX were contacted, they would have informed " Whoever '' that there is a security freeze on my account and the information could not be provided at the time. I contacted XXXX and they informed me that since the security freeze was placed on my report, they have not released any of my information to ANY agency. I also mailed the Bureau a copy of a court document that was mailed to me by the courts where I live that states, they have not furnished any of my personal/public record information to any Credit Agency. So again, how was this inaccurate, unverifiable Bankruptcy account verified? I currently have enough documented proof to show I have not been given a fair investigation.

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 2018-09-09
Company: EQUIFAX, INC.
State: CA
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:
For over a year I have been trying to get a copy of my credit report from Equifax. I have a credit card and car loan, and have a credit history stemming years back. Yet Equifax tells me I have no history. 

This is incorrect. Both XXXX AND XXXX have full credit profiles for me. I verified that both my credit card ( XXXX ) and car loan company have been sending my information to Equifax and confirmed they did. I asked them to resend in XX/XX/2018. I called Equifax and they STILL said they have no history of me. This is impossible. 

In XXXX I submitted a formal inquiry to Equifax with my social security card and other proofs of information, along with the XXXX and XXXX credit reports. On XX/XX/2018, I received a letter from Equifax telling me I do not have a current file. This is absolutely ridiculous, because I do in fact have a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained an auto loan from XXXX XXXX XXXX back in XX/XX/XXXX until XX/XX/XXXX. Unfortunately, the loan was cut short due to someone stealing the vehicle. After several months of calls to XXXX XXXX XXXX I was finally able to get a resolution of paying a balance. The balance was paid in full around XX/XX/XXXX. 

XXXX XXXX XXXX reported this as a charge off on my credit report. That has negatively effected my credit score and it has decreased by 50 points due to this inaccurate information that has been reported by them. 

I need the charge off removed from all credit reporting agencies because this should be an exception to the rule. Not only was a crime conducted against me. The XXXX XXXX XXXX company was very rude and expressed zero empathy towards the situation. I expressed the issues to several customer service individuals and they did not seem to care about my situation. So here we are.

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 2018-09-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been in contact with Equifax since XX/XX/2018 trying to get them to correct my address, fix the error with XXXX and XXXX and XXXX. I am trying to purchase a house and Equifax 's mortgage division will not release my credit report due to the issues with XXXX and XXXX and XXXX, due to the conflict in addresses. I have faxed a letter to them with my new drivers license, passport card, and a bill showing my new address, asking them to update their files including my credit report, XXXX and XXXX and XXXX account. I was told they never received the fax, yet the transmission report I have states they did indeed receive it. I have also mailed the same information to them, and as of XX/XX/2018, the information has not been updated nor corrected. I spoke with another agent on the XXXX and he told me all the errors are due to the address not being updated. I have now missed out on purchasing three different homes due to not being able to have my Equifax credit report pulled. I have documented the calls and letters sent to Equifax without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: Nicholas Financial Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This dedbt was previosly disputed and should have been removed, since this entity is still pursueing this fraudulent matter i do intend to seek Litigation to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Navient Solutions, LLC.
State: CO
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 have been paying Navient/Sallie Mae for over 10 years. Over these years, I have called in multiple times to help with my loans. I was told instantly that I should defer my loans so that I can get my finances in order. So I did. When I was ready to pay, I called back and they convinced me to do the lowest monthly payment to start out, so I did. I always paid above the minimum, however, the payment never went down. 
When I met my now husband, he reviewed everything and shows that ALL of my payments were going to interest. ALL. We called up so they can adjust the plan. For the next couple of months, it seemed like the money was being distributed better, but after awhile, it was back to the same thing. 
This year alone, I have paid about {$4500.00} and {$1400.00} of it has gone to interest. 

I have only taken out {$27000.00} total however, to this day, I still owe {$41000.00}. I have asked them if we could come to a settlement agreement, but they said no. I feel like I am never going to pay this down and some of the loans go back as far as 1999 at this point. 

The people who answer the phone there are clueless and do not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: SYNCHRONY FINANCIAL
State: VA
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:
Disputing a hard inquiry on my XXXX  credit report. No other credit bureau is reporting this. I talked to XXXX customer service at XXXX ( est ), XX/XX/XXXX who was supposed to send me information on how I could contact this company. That information was never provided. The company in question is : XXXX XXXX XXXX XXXX. Please read below for additional information. 

I am disputing a hard inquiry on my Equifax credit report. The finding is : Syncb/ppc, posted on XX/XX/XXXX, XXXX XXXX XXXX XXXX. The problem is 1 ) I do not have any idea what this is ; 2 ) I  have not applied to/for anything credit related since receiving my XXXX Card in XX/XX/2018. Furthermore, I did not authorize Anyone to do any kind of credit check that effects my credit report. This is unacceptable. 

After researching the company, I could find not find any contact information via phone, email or an address to see why they pinged my credit. This inquiry is fraudulent and was not authorized by me, and should be remove from my credit report ASAP. I've covered all my bases, so I'm hoping you can assist me in this matter as this effected my credit score.

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 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the Cap1 agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that Cap1 took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX  in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation