BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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, XXXX XXXX the consumer have sent multiple dispute letter to Transunion stating the removal of all accounts attached to my credit file. Apparently the do no follow the Fair Credit Reporting Act because information put on my report that I never gave written consent for. At this stage in my life I am starting a family and they have me XXXX up, I would like to purchase a house but because of my credit report it is causing me great stress just to get help purchasing it. I recently sent the another notice as of XX/XX/21 via certified mail, including a bill of particulars in the amount of 54,000 $ for multiple violations that have occurred. The blatant disrespect to me as the consumer has given me no other choice but to file this complaint. they are not following the upholding Fair Credit Reporting Act at all. It is not fair to me and my family, this is the last step I take before going to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted request for Consumer Disclosure Report three times. 
First timeXX/XX/2020 by mail and on XX/XX/2020 online and XX/XX/2020 by fax. 
I have never received any report showing any negative accounts information or letter stating that I was removed from ChexSystem.They do not have a live person line and I facing the wall at this point.

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 2017-05-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had started repaying my private student loans in the middle of  XXXX . I was having no luck finding a job in my field of  XXXX   XXXX , was only making $  XXXX  at the time and was struggling to pay my bills. I was given some financial help for my loans, and eventually had been paying  (  $  XXXX   )  more than the minimum, in order to catch up on the previous payments I had missed. In    XXXX   XXXX   XXXX  , I had left my job in order to further my career and started a new job. In   XXXX   XXXX  , w e were told we were being laid off. I was not able to afford paying my student loans anymore.      In   XXXX   XXXX   XXXX   , I spoke to a representative from Navient who told me " once you get your unemployment check, give us a call and we 'll work out a payment. '' My unemployment checks were, at most, {$250.00}. I told the representative I would not be able to afford any payments, as I have rent and other bills to pay. Being unemployed still did not matter, as Navient had continue to call me upwards of 7 times a day, trying to get a payment from me.     On  XXXX   XXXX  and  XXXX   XXXX , I had paid {$10.00}, because its all I could afford. On  XXXX   XXXX , I paid {$20.00}. I paid when I could, and how much I could.     Shortly after, during the week of  XXXX   XXXX , I had received a letter from Navient, threatening legal action on me and my fath er ( co-signer ) if we   did not make a payment. I had called after reading the letter and explained my situation to the woman. While she was sympathetic, she told me there was nothing else that could be done, and my monthly payments are {$1100.00}, which is about what I make month at my job. She told me unless I make a payment, then my name will be handed over to a lawyer. I offered to pay {$100.00} a month, or asked if there was any way to defer payments for hardship until I make more money or find a better paying job. I was told no. We went over all my monthly expenses and even though we both knew paying anything over {$50.00} a month is too much for me, I was told I had no other choice.     I can not make these payments. Every representative I have spoken to at Navient has not been flexible or willing to work with my income. It 's absurd to expect someone who makes {$1200.00} a month to pay anywhere from $  XXXX  {$1100.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Avant Credit Corporation
State: KS
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Generally, they will draft all the interest payments, but REFUSE to draft when I am trying to pay a lot more to reduce my loan principal ; they always act completely confounded, while they are willfully defrauding me, they keep charging exorbitant costs for their actions not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: IL
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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Equifax  Re :  Request to Remove Unauthorized Credit Inquiry Dear Equifax, I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiries made by   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   I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credito r ) i nquiry to determine who requested this credit inquiry.     If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this as I reached out to you all TWICE in assistance of this matter Thank you in advance,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity was stolen by a family member who was not a US citizen and is no longer in the US. He used my information during his visit and had my mail forward to another address. It lasted for 2 years ; I did not notice until my licenses never showed in the mail. 

I was never proactive when it came to my credit. I wasn't aware of how to monitor my credit like I am now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wrote a letter to Collection Consultants on XX/XX/XXXX, letting them know they could no longer have my medical collection debt because of HIPPA violation laws. They returned a letter to me on XX/XX/XXXX, verifying they have the debt and they still wanted me to pay for it. It is beyond the statute of limitations ( the debt is over four years old and the statute of limitations in California is four years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XXXX while living in XXXX XXXX, I owed XXXX around {$3500.00} when they changed the small print of debt swaps for {$0.00} interest. While I was still making payments, they sold my debt to unknown persons. 
In XXXX, when I had moved in with my parent in northern XXXX I was approached while mowing the back yard lawn by a woman with a fake police badge and a court document, which I assumed was fake, about collecting a debt. I refused to sign. They sent me something in the mail as well, from Asset Acceptance, alleging that I was wanted in court, which I assumed was also fake. A week or so later, a large middle-aged man came to the door and entered the house, loudly demanding that I file for bankruptcy, which I found absurd for such a small amount. I had to push him out of the house. In retrospect I should have called the police. I remember wanting to do so. I felt that I had been subject to discrimination in that area of XXXX  ( XXXX XXXX ) by employers because I am an XXXX War veteran and so I was somewhat used to negative treatment. 
I never heard from Asset Acceptance again until a year into working for the United States Postal Service in XXXX, XXXX, in XXXX, when they began garnishing my paychecks for over {$9000.00}. This time they were under a different name, Midland Credit. That's because Asset Acceptance was disbarred by the XXXX  XXXX XXXX due to a class action lawsuit. I immediately took them ( online, virtually ) to the same small claims court in XXXX, XXXX, which had apparently aproved the debt collection, arguing that the debt was time barred, but to no avail. The judge felt that I should have contacted them. I did in fact contact Midland Credit in that timeframe and the virtual chat person gave me the run around. 

I just read the CFPB report on your actions against Midland Credit and am wondering why this company is still allowed to do business in this manner. They prey upon the poor, hoping they won't be able to defend themselves. This certainly isn't an American virtue, let alone the propper way to do business in any country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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:
XXXX XXXX XXXX, XXXX is reporting information that I have asked to have verified multiple times. The Debt collector is reporting different dates and payment activity to the different bureaus.

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 2017-05-26
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a letter to Navient requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which  were serviced by XXXX XXXX/Navient were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXXNavient in XX/XX/XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly Navient " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with Navient. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I called Citi 's stolen/lost credit card number to report several fraudulent charges against my account. At the time, I had provided a police report that confirmed the card was stolen from the mail, activated, and used by the fraudster. This police report details the arrest of the perpetrator, including documented evidence of this card in their possession. Despite this overwhelming evidence, Citi refuses to dismiss {$120.00} in fraudulent charges, and insists that information provided by the merchant that doesn't match my information stands as substantial evidence.

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 monetary relief
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in   XX/XX/XXXX   and paid it off  in   XX/XX/XXXX  .  All   XXXX  c redit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have sent sent over 5 dispute letters through certified mail dating ( XXXX XXXX  and XXXX XXXXnforming Experian that the personal data they are reporting on my account is inaccurate and each time I demanded per federal law that inaccurate information must be removed.

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 2018-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've had no knowledge of this negative item as it appeared on my credit report, and from researching the company online, I do n't know from which source it came from. 
The name of the negative item is PORTFOLIO RECOVERY ASSOCIATES and it was opened on my account XXXX/XXXX/2017. 
It 's not mine, please help in removing it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXXXXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 

Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in a condo, and our XXXX  covers flood insurance. Mr. Cooper has been charging me for flood insurance every year since XXXX. We, the homeowner, are required to send them the coverage page every yeear when it renews, which I have done. They hae not applied it. This year I called on XX/XX/XXXX and was told to email it to XXXX separate addresses and also uploaded it in the XXXX portal. They are still charging me, they have been doing this since XXXXThey owe me money and I spend days on calls getting transferred to different numbers and it still has not been resolved. I do not know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX, XXXX XXXX Experian XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. 
Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX XXXX XXXX acc # XXXX PLEASE REMOVED THIS ADRESS XXXX, XXXX XXXX XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS FRAUD The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX 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 2020-03-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I went to the XXXX XXXX branch located in XXXX  XXXX, CA with my mortgage payment slip, as I always do each month to make my payment at the branch. The bank teller could not locate my loan in the system. A bank manager made a few phone calls and discovered my loan had been sold. I never received any written notice from XXXX XXXX my mortgage loan had been sold or to whom. While I was at the bank I talk to a person name XXXX, who gave me an address to mail my XXXX payment to ( that address did not exist according to the USPS ), she also told me I would receive a letter from XXXX XXXX and a new loan welcome package from the company who my loan was sold to. I never received either. I sent a letter and payment to a address I found on line requesting information about my loan. The only information I received was a one page letter dated XX/XX/XXXX from Rushmore Home Management LLC stating they didn't have any information other than the owner of my loan is XXXX XXXX XXXX XXXX XXXX and they would review the matter, and I would receive information from them within 30 days. As of XX/XX/XXXX, I have not received any information from XXXX XXXX XXXX XXXX XXXX, or Rushmore Home Management LLC and/or XXXX XXXX. I have sent several certified letters including payments to Rushmore, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX but no one has responded or returned the checks. I also sent proper Error Resolution Notice under 12 C.F.R. 1024.35 to both XXXX XXXX and Rushmore ; my written Notices of Error, Requests for Information and Complaints to the correct address, according to their web site : Rushmore Loan Management Services LLC, XXXX XXXX   XXXX, XXXX, CA XXXX, Re : Error Resolution Notice under 12 C.F.R. 1024.35. I never received a response to my letter and Notices of Error, Requests for Information. 

By the way, I also sent a certified letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my mortgage payment enclosed and a copy of the letter I received from Rushmore Home Management LLC dated XX/XX/XXXX. They never responded to my letter and the checks were never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIAN HAS LISTED IN THE COMMENT SECTION OF GOAL FINANCIAL THAT THE ITEM WAS UPDATED FROM OUR PROCESSING OF YOUR DISPUTE XX/XX/XXXX. I NEVER DISPUTED THIS LINE ITEM. I DID ASK FOR VERIFICATION FROM EXPERIAN THAT THEIR SHOWING ME TO BE 180 DAYS LATE ON MY PAYMENTS WAS CORRECT. THEY HAVE NOT BEEN ABLE TO SHOW ME VALIDATED PROOF. HOW CAN I BE LATE ON A LOAN THAT WAS IN FEDERAL DEFAULT PROGRAMS XX/XX/XXXX AND XX/XX/XXXX. THIS INFORMATION THAT THEY ARE LISTED IS INCORRECT. SO I AM ASKING THAT THEY GO BACK TO XXXX AND GET PHYSICAL PROOF THAT I WAS INDEED LATE FROM XX/XX/XXXX TO XX/XX/XXXX. I DO NOT BELIEVE THAT I WAS AND YET THEY ARE REPORTING THIS. I AM ASKING THAT THIS ACCOUNT BE UPDATED TO SHOW OK/CURRENT TERMS OF AGREEMENT MET AS WELL AS UPDATE THE COMMENT TO SIMPLY SAY " ACCOUNT CLOSED DUE TO TRANSFER '' AND TO REMOVE THE REST OF THEIR STATEMENT THAT MENTIONS THE WORD DISPUTE. NO ONE DISPUTED THIS. ASKING FOR PROPER VERIFICATION IS NOT DISPUTING.

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