BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
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:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. It has been over 30 days and I have not received a proper response within the 30 day timeframe that they are supposed to dispute these results or verify. The dates are inaccurate across all 3 bureaus and is not reporting on XXXX. Your company is in violation and must comply to remove these 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 explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
there was a real big computer glitch, which was TransUnion 's problem not mine, the glitch caused my inquiries to be deleted, TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added, being that it was there fault that they had a glitch, now I being held responsible and these inquiries added a hardship to m, and now my rights are being violated by TransUnion. please I 'm asking you CFPB to help me make TransUnion stop victimizing me and other people. I 'm Asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-10-18
Company: Navient Solutions, LLC.
State: MA
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:
On XXXX I received my statement with an amount due of {$200.00} due by XXXX. I made the payment as I usually do on XXXX believing that my loan payment was accurate and on time as usual. However dated XXXX two days prior to my planned and scheduled payment I was sent a change in payment schedule notice that was unclear. It did not clearly indicate the reason for the change, the difference in the increase amount, or that the change was being applied mid billing cycle. I simply assumed the change would apply next cycle and that it was a small increment increase or a change in the number of payments. 

I was shocked when I logged into Navient on XXXX to schedule my XXXX payment and saw that I had been assessed late fees on three loans and that the total monthly payment amount on my loans was now almost triple what it had been. After an immediate reaction of panic I attempted to find an answer through the website, but it was not helpful and I got error messages more than once forcing me to log back in or refresh the screen. I did send two emails through the email link and was sent an automated message that my email would be reviewed. I also looked at my XXXX statement and realized that it did list that I was past due and my payment due had jumped from a barely manageable {$200.00} to an impossible {$640.00} and that was just on some of my loans, not all of them. I do not usually look at the statement in depth, especially e-statements, because I log in to the website around the same time each month to make my payment as planned. I just like to have them saved for my records. 

Now I am really concerned because I was under the impression that I was on a long-term repayment plan with the potential for forgiveness if I made all my payments. With this sudden mid-cycle change by Navient I am concerned that not only is my credit bureau being impacted, but my eligibility for this much needed forgiveness program is in jeopardy or lost all together. It is completely impossible for me to make the drastically higher payment to become current again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
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:
XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX  alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.

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 2022-06-11
Company: Experian Information Solutions 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 items are a direct violation of my consumer rights. 

Open XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX, XXXX  Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXXXXXX XXXX  XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " XXXX XXXX XXXX XXXX '' and the amount was {$1300.00}. I immediately contacted XXXX XXXX and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt. 
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights. 
It should be clear to them of the following facts that they continue to ignore. First, the name on the original XXXX XXXX charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: Collection Consultants of California
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:
XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This involves a Capital One XXXX credit-card account. 

Because of the combination of a payment and a large refund done within days of each other in XX/XX/2022, there is a large credit on the credit-card account. After an initial attempt with the issuer 's front line service to see if this credit could be used in a credit-card purchase and being put on hold and subsequently disconnected, I attempted to E-mail Capital One executives about this repeatedly, but have not received any response : XXXX XXXX XXXX XXXX In this E-mail to executives, I mentioned how I was away from my home, and because of the high rate of mail crime in my town, I do not wish for a check to be sent to my mailbox, and that I would hold Capital One civilly liable for any theft of such a mailed check. 

Following this attempt with contact with the executives, I tried again to speak with front-line representatives, and was able to reach a person who claimed to be management at Capital One ( XXXX XXXX ), and said that the only way Capital One is required to disburse the funds is via paper check, even though I have a savings account at Capital One, and thus would make this very easy for Capital One to do, which I believe is contrary to US law XXXX in that the option for electronic transfer is also required. 

I even offered to make a large purchase so as to use the negative balance, but was told by Capital One that such a purchase would not be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My wife and I are on Income Driven Repayment plans while I am a XXXX XXXX as we have a partial financial hardship. I am on PAYE and she is on REPAYE. Our loans are held by XXXX ( PHEAA ). 

On XXXX/XXXX/XXXX, I received a notification to submit annual loan recertification documentation. My wife and I submitted those documents promptly on XXXX/XXXX/XXXX. 

We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 

Today ( XXXX/XXXX/XXXX ), I received an email from XXXX stating that I needed to recertify as the deadline was rapidly approaching ( XXXX/XXXX/XXXX ). 

I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent I spoke with said " That 's  strange that you received a notification so early. '' and that " Since you submitted so early, your application was placed on hold ''. 

I asked when my application would be processed. She said " 1 to 2 months, but not before XXXX/XXXX/XXXX ''. I expressed my concern that this would be insufficient time as my plan expires on XXXX/XXXX/XXXX. She stated " you have nothing to worry about '', but would not give any sort of confirmation or offer to expedite the processing of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My mother is being scammed by a romantic scammer. He claims he loves her and will come visit her, marry her and make all her troubles go away. Her husband was in the XXXX XXXX for 20 years and he passed away XX/XX/2021. Her son passed away XX/XX/2021. She has medical issues along with XXXX. I have reported this to ic3.gov several times but haven't heard any thing from them. I think he has cleaned 1 of her accounts completely out, I'm not sure how much money he has scammed her out of in a month but it's been couple XXXX dollars.

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 2021-07-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXXXXXX, US DEP ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FCC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CITIBANK, N.A.
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:
As of XX/XX/2020, I have sent monthly letters to CITI BANK asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that CITI BANK to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 also states a consumer reporting agency can not furnish a account without my instruction 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, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX 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 2022-08-25
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thank you National Credit Adjusters what was sent to the CFPB was paper that is not a validation there was no original contract with my signature from XXXX AND no contract from you with my signature 15U.S.C.1681a { e } that's law that you are required to follow,15U.S.C.1611,15U.S.C.1602 { l } ,15U.S.C.1692e { 2 }, 15U.S.C.1681A { e } ,15U.S.C.1681 { b } these are laws that needs to be followed in Validation reinvestigate, but the law states that the account has to be removed while under the investigation Please refer back through the CFPB thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: MI
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 was told by Equifax to resubmit my police report, social security card and id because it had expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXXXXXX XXXX XXXX  XXXX. The Equifax representative said once received it would be removed again. I complied with the request and Equifax continued to furnish incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I called back later and was told that the account could be removed with a letter from the lender only now since it was put back on my credit after an investigation removed it. I asked why it was put back on my credit and the representative replied because the lender sent a monthly update and they put it back on my credit. I inquired whether or not this was an internal policy or a requirement of the Fair Credit Reporting Act. I was told by an Equifax representative that Equifax makes its own policies on how it handles fraudulent accounts and disputes. Equifax is now going beyond the 30 days required in an investigation process for a fraudulent account investigation and intentionally causing me harm by reporting an account they previously investigated, determined fraudulent and removed. This is a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
After a year of court appearances and several thousand dollars in court and attorney fees a settlement was reached with the plaintiff American Express. On or about XX/XX/XXXX a stipulation of settlement was created for 50 % of the balance owed to American Express which came to {$10000.00}. The first payment of 24 payments was set to begin on XX/XX/XXXX. I started making all payments in a timely manner. On or about the 20th payment, there was a problem with my bank account, so I sent the check from a different bank account which was cashed in a timely manner. Apparently XXXX claimed that one payment was still outstanding. I made countless phone calls starting in XX/XX/XXXX with no success. I spoke with many representatives all of which promised to help me, but instead ignored me and never returned any of my calls. I sent XXXX a letter on XX/XX/XXXX with proof of all payments, again XXXX completely ignored my request to look into the matter. l continued to make all 24 payments on time and wrote a final later with the payment number 24 on XX/XX/XXXX requesting the account be closed and removed from my credit report. XXXX did not respond. On XX/XX/XXXX I received a letter from XXXX  requesting the other 50 % claiming that the 1 payment was still outstanding so now the entire balance was due. I called maybe 20 times, speaking with many representatives, with no success. XXXX did respond on XX/XX/XXXX as well as XX/XX/XXXX indicating the account was in dispute. 
As of today XX/XX/XXXX there is no return phone calls from XXXX and each month the missed payments are being posted on my credit report indicating the account is in default, ultimately lowering my credit score. I filed a dispute with all 3 credit bureaus, but XXXX XXXX  response is, the account is still active. I need further this issue in order to achieve resolution. I will also be filing a complaint with the attorney generals office as well. 
Thank You

Company response to consumer: Closed with explanation