BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
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:
Months ago I sent this dispute to you CFPB along with the 3 credit bureaus Experian, XXXX XXXX and XXXX - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Open account

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 2017-09-08
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

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 2022-07-13
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 have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: MI
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  accounts 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-12
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:
Hi, my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. I am reaching out to have the negatives removed from my credit report. The items don't belong to me and they are impacting my score tremendously and I ask that they be removed from my credit file.

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 2017-09-08
Company: Navient Solutions, LLC.
State: MD
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:
All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in XXXXIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2017-06-28
Company: CITIBANK, N.A.
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:
BestBuy/CBNA has not updated the payment status on  XXXX   &   XXXX  to paid.   XXXX   is still reporting " Bad debt & placed for collection & skip '' The balance is  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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TransUnion is reporting a different date of last activity from the other bureaus. They are reporting the date as XX/XX/XXXX while XXXX reports it as XX/XX/XXXX and XXXX reports that the date is XX/XX/XXXX. This is a clear FCRA violation. 

Also, TransUnion failed to validate this account as the last reported date is listed as 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 non-monetary relief
Consumer complaint received 2021-08-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The below letter was sent to XXXX XXXX Vice President of Customer Interaction. 

I am writing you this letter that I am also forwarding to the XXXX Department of Consumer Affairs, NJ Department of Consumer Affairs, and the Federal Trade Commission. On XX/XX/XXXX I requested a forbearance that would last until XX/XX/XXXX. I called in and spoke to a representative to find out about paying off my loan in full and was told I would receive a letter in a few days. During this time XXXX put a derogatory mark on my credit report for 6 months of missed payments instead of stating I received a Covid relief forbearance. This caused my credit score to go down over XXXX points. 

I called on XX/XX/XXXX and spoke to a representative to state that she had put in a credit reporting request to have it investigated. I called back today XX/XX/XXXX to follow up with the investigation and was hung up on by two of your reps, but I am sure they will state the phone call got disconnected. If it did, why didnt either one of them call me back since my phone number is verified each time? I was told by the second representative that because I didnt pay the full amount I am delinquent, but the letter I received about the forbearance does not state that. I explained that I made a {$500.00} payment and wanted to know what my options are to get out of arrears. I want to start making regular payments again. I would prefer not to go back into forbearance or a deferment. If only your customer service representatives would stop hanging up on me. I am extremely disappointed that during Covid your company would rather impact credit reports instead of helping your clients. If you look at my payment history you will see that I was not in arrears when I started the forbearance. 

I am forwarding this letter to the XXXX, NJ Department of Consumer Affairs, and FTC because I know I am not the only person affected by this. If you look at your reviews online at XXXX and XXXX you will see that other customers have been impacted. I believe this company should be investigated because no one should have to go through this during Covid.

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 2017-09-08
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called SunTrustin order to find out my balance and was told that I still have {$90.00} in my account. So i charged {$63.00} and incurred two overdraft fees because the {$90.00} was apparently incorrect.
could you help in this case?
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV 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 2017-09-08
Company: EQUIFAX, INC.
State: WI
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:
I am filing this in regards to the recent revelation that Equifax was compromised ( IN XX/XX/XXXX ) potentially leaking financial details of 143 million people. 
The fact that this leak was known months before being revealed is abhorrent at best, particularly now that I have found out I was affected by the leak. Financial institutions should not have the power to so carelessly ruin mine and the lives of many others, it 's absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a forbearance for Covid XXXX XXXX & XX/XX/XXXX and have recently come out of a XXXX XXXX Bkruptcy in XX/XX/XXXX. Although I restructured with most of my Creditors, my Mortgage to Fay Servicing was the only one I continually paid. I have over 36 separate pages of payment history where it is withdrawn via ACH every two weeks that I am paid since prior to the Pandemic. 

I have been religious in regard to making these payments due to the fact I have owned my home OVER a decade + some years and I have a TON of equity. Their egregious behavior in not accurately applying my payments and furthermore demanding payments that are not due is Absurd to the point of borderline Criminal. 

I feel as they are attempting to Force me out and I can get NO ANSWERS. I have requested a pay history from them proving I am behind and once more nothing. 

I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: SC
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:
This complaint is aimed at the credit reporting agency, Equifax, for failing to adequately secure my private and personal credit and financial information. 

Using their website designed to check for the notorious data breach I came to learn my information was compromised. This is the website they told us to use : https : //www.equifaxsecurity2017.com This is inexcusable in a world where credit rules and technology is king. Thus, I am submitting a complaint against Equifax for failing to properly secure my personal credit and identity information and exposing my identity and financial data to unknown sources, along with that of 143 million other individuals. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CNG HOLDINGS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
'XXXX XXXX XXXX XXXX ' company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX it claims they no longer have any information for me on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
According to the website created by Equifax in the wake of their data breach, it is likely that I am among the 143 million people compromised. I do not wish to take part of their services in response to it as that would waive my right to a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MO
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:
I am one of the millions affected by the Equifax security breach. Having a credit score is all but required to be a functioning adult in the United States, and I can not just change my SS #, DOB, home address, etc. in the same way I can a password or credit card number. I am infuriated that a company like Equifax would be so careless with my personal information. I have a practically flawless credit score, make my payments on-time, shred documents, etc ... and yet I will be the one held  responsible if my identity is stolen due to the laziness and lackluster security protocols of this company. This is the third time this has happened and they have done nothing to protect consumers. They must be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As of XXXX XXXX, 2017 my consolidated student loans were transferred without any advance notice from XXXX to Nelnet. Prior to the transfer I had a income based repayment plan to which I was paying {$150.00} per month and my loan balance was at or near {$46000.00}. After I received notification from Nelnet they were the new servicer of the loan my payments subsequently went up to {$210.00} per month and my total student loan balance was over {$47000.00}. When I reached out to Nelnet via phone to get answers I was told they had limited information as XXXX had not transferred all of my history and loan information over. I have made consistent and timely payments and I had yet to reach the first 2 year period of my income based repayment plan. I feel is if I am being gauged by Nelnet and as if they had added fees and surcharges to my account inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Credit Control Corp in XXXX XXXX on XX/XX/. It was received by the agency on XX/XX/2021 by certified mail. I have not received any validation of the debt claimed to be owed by this company whom which I have never done business with. I have not received a letter from this company providing proof that this debt belongs to me or is valid. There were a total of 3 separate " accounts '' in question. 

Failure to provide documentation in the allotted time ( 45 days ) violates my rights as a consumer. I have spoken to an attorney and he recommended that I file a complaint with CFPB before we begin moving forward with suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
This complaint is in regards to the EQUIFAX data breach just announced. This is unacceptable in this day in age and has caused unwarranted and excessive strain/stress on me due to their careless and negligent behaviour and practices. I demand this be investigated and they be held accountable to highest extent of the law for this failure to protect my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
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:
Mishandling of personal data on a large scale. Not notified for 3 months after the breach, and even then I had to personally attempt to discern whether my information was part of the impacted data ( according to Equifax, my data was part of that potentially leaked ). 

I would like resolution of this issue and to see better handling of such vital, sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: FL
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 taken advantage of due to malpractice while several laws were being broken under the FCRA by your Company, This has cause me financial injury, this has cause me defamation of character hurting my ability to obtain credit under the COVID Pandemic crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have this account for our our company for many years All of Sudden They put a block with out Reason or Notifying Us Causing a lot of damage And losses For our company like bouncing over XXXX checks when the money was in our account to pay the Checks And they just give us a run around We would like to request your help With this THANKS

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