BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've requested the documentation that was used to verify these accounts multiple times as well as the procedures used and have received no response. In addition, there are accounts that were reinserted after being deleted and I was never notified which is in violation of section XXXX. Lastly, there are accounts that are being reported my multiple companies which is double jeopardy and is in violation of a new agreement made with the CRAs. If a collection agency sells, transfers or does n't manage an account, it must removed : XXXX XXXX this account was previously removed on my XXXX report and the was reinserted on my XXXX report and you did n't notify me of said reinsertion which is a violation of section XXXX of the FCRA - remove this immediately! 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX how is this account reporting THREE TIMES? 
XXXX XXXX I have no knowledge of this account - remove immediately! 
XXXX XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX I did n't receive the documentation that was requested or the procedures that verified this account- therefore ; it is not legally verified and must be removed. Also, this account is being reported multiple times on my credit fil and XXXX does NOT hold my account - that is double jeopardy and must be removed immediately! 
XXXX # XXXX you have the wrong balance and the date opened is not even in the same month that the account was opened in XXXX # XXXX XXXX does NOT hold this account and they must delete it because that is double jeopardy! If a collection agency sells, transfers or does not manage an account, it must be deleted. Not only that, but there has been no legal verification of this account. I do n't have a collection with this company!

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 2016-02-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

BANKRPTCY CHAPTER XXXX MUST BE REMOVE PER THE ORDER IN THE DOCS XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ XXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL

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 2021-01-02
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:
Experian has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX. I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX/XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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 2021-01-02
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We tried to payoff our loan on XX/XX/XXXX. The payoff amount listed on their website stated for that day was {$2300.00}. It stated that the online payment was disabled and we needed to call to make payment. The representative told us a payment was already processing for {$320.00} for the following Monday XX/XX/XXXX and that we would have to call back that Monday to get the payoff amount for that day. We called back twice to talk to them more on why we could not pay off our loan and we were hung up on. I called our bank and the said they saw no payment pending on our account. We feel that they would not let us pay off our loan so that they could make more money off the interest that would accumulate over those three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian continues to report inaccurate and unverifiable information regarding XXXX bankruptcies. I have repeatedly advised them that I filed no bankruptcies on these dates, in these courts for the amounts specified on the credit report. They have lied repeatedly saying that They have verified with the data furnishers, the courts. The courts have verified that They did not provide them with this erroneous information. Experian continues to report it while lying about investigating my dispute. I nhave Experian to provide the third party vendor that provided them with this false information and they have not complied.

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 2015-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: SRA Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Many times I overheard and observed Collection agents using threatening tones yelling in abusive tones over talking completely abusive to customers who are delinquent in repayments with auto creditors In addition many times company is unwilling to provide documents when requested There are many behind the scene violations which require continued investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've never received information regarding the nature of this debt or proper signed validation of this debt from this credit agency. Also when researching who this company is I learned that they are n't licensed in the State of Tennessee to collect debt. Their license has been suspended since XX/XX/2017. Collecting a debt with no license is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Wrong information my account some old accounts over 7 years old and hard inquires need too come off.

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 2021-01-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against XXXX XXXX  concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX XXXX XXXX Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this 30/60/90 day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also XXXX XXXX emailed me a confirmation letter stating that they advised the credit bureaus to remove the 30/60/90 day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from XXXX XXXX & the letter that was email to me by XXXX XXXX stating that they have reached out to the credit bureaus to remove & correct the 30/60/90 day late errors and to update my account. XXXX & Experian, XXXX refuses to make corrections after XXXX XXXX have requested for the 30/60/90 day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular 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 explanation
Consumer complaint received 2022-03-21
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing GLOBAL LENDING SERVICE inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to XXXX & XXXX documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Med-1 Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
After repeated Calls with and without Voice Mail, after sending 2 Cease Communication letter they continue to call my Cell number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a private student loan with XXXX XXXX some time ago they sold the loan to Navient. There have been making auto payments out of check since 2010. I have also been making payment to Navient Both parties are claiming they own the loan and will not t tell me who owns the loan. Navient is most rude and hang up when you are communicating and tell me to contact XXXX XXXX. XXXX XXXX tells me to contact Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: AXOS FINANCIAL, INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 XXXX XX/XX/XXXX a conference call was initiated with myself and the following parties ; XXXX XXXX XXXX a compliance department representative from AXOS Bank along with a Customer Service Representative from XXXX XXXX. 

The call was in reference to a written notice received from XXXX XXXX, Compliance Officer from AXOS Bank regarding reaching a favorable resolution for a dispute I submitted with AXOS Bank on XX/XX/2020 for merchandise that I did not receive from XXXX XXXX. 

XXXX advised immediately upon me joining the call that no matter what the outcome is of this call, AXOS Bank is no longer responsible for this matter and no further action will be taken regarding this problem. I then inquired as to the purpose of the call given the information he just stated to me, he did not respond to my inquiry, merely stating, this is the end of it. XXXX then proceeded to disconnect from call leaving myself and the XXXX XXXX Customer Service Representative to proceed with the call accordingly. 

Both XXXX XXXX and myself were unsure why AXOS Bank initiated the conference call just to simply disconnect themselves. 

Upon proceeding with the call with XXXX XXXX, I was advised that a refund was processed for the merchandise that I did not receive. I advised XXXX XXXX that AXOS Bank is claiming no refund had been processed by XXXX XXXX. XXXX XXXX then confirmed a refund was approved and processed. XXXX XXXX then emailed me a case number in reference to the refund that was processed along with additional confirmation that tracking information or proof of delivery can not be provided. 

Given this new information that has been presented from the merchant, XXXX XXXX, I am inquiring from AXOS Bank the status of my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contatced each of the credit companies and i sent in police report and ftc report someone used my idenity to get a loan witch check and go also they have used my information to get a credit card with XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXI have letters from XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX, XXXX and XXXX saying that it was proven that these accounts was open fraudulent. Each credit company got those items in the mail on XX/XX/XXXX which was sent certified mail. I asked for themm to verify and they have NEVER sent me any information from the creditor that I was the one that opened this fraudulent account, all they did was use E-oscar and that is not validation. Please remove this fraudulent account from my credit report or i will sue.

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 2015-03-19
Company: Global Lending Services LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent a letter and got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Global Lending '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX and XXXX which is now called Tromberg , Morris & Poulin , PLC engages in predatory debt collection. The company has a history of predatory behavior against consumers and continues to engage in this behavior to create misery and havoc in consumers ' lives. 
The company has refused to remove a levy on my savings account despite the fact that concrete proof was sent to them indicating the funds are exempt from collection. 
The federal agencies and state agency that are supposed to protect consumers can not get involved since this predatory behavior is protected by laws that are against consumers and individuals with credit card debt. 
New legislation will probably be necessary to stop the predatory and unjust behavior by debt collection agencies such as XXXX XXXX XXXX and Tromberg, Morris and Poulin, PLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting 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 2016-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
bank of america lied to us about doing a home loan modification .we were told at the very begining of the process that our interest rate would be lowered.and it would save us money each month.but actually what they done was add 20 more years to a mortgage the we owed 20 years on so this put us owing 40 years total and only saved us about XXXX dollars a month .they told us we had to sign the paperwork or they would foreclose on the house.during the process they told not to make a house payment until we was approved .so afterwards now we are 4 months behind i kept telling them if this was going to add years to our mortgage i didnt want it but they insisted they would lower our interest rate they lied to us and forced us to sign or said they would start foreclosure procedures on us.this is so ridicous who would ever do a home loan modificatin to save XXXX dollars a month to add 20 years to their mortgage .i looked it uo and online alot of people are complaining about bank of america home loan program .im also contacting the attorney general here in tennessee and filed a complaint with the XXXX.we also will be seeking a attorney on this matter.its not fair to lie to someone like that. if they would have been truthful from the start i would never had started the loan modification .i think the federal government also needs to look into this since bank of america took the bail out and not trying to help consumers but punish them.

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 2017-03-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had my loan through Navient. Hey have put my account in forbearance several times and never let me know about income based repayment. Had I known about it I would have chosen this. Now my loans are even higher because of forbearance. I also feel that something is wrong with my loan amount. I feel like there is more debt there than I actually borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit 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 2018-05-18
Company: RFNA, LP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX and they are unable to locate my file however ; they are reporting to the CRA 's. I believe that this account is the result of identity theft. I also believe that they are trying to request my current identification in order to use my current information to continue to validate their claims. I have filled a dispute 3 times and they are asserting that I need to provide authentication documents however ; they are not able to provide any information related to this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: United Financial Service
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account with XXXX on XX/XX/2022. The debt collector did not notify me through any form of communication of this alleged debt, nor do I receive the right to dispute the account.

Company response to consumer: Closed with explanation