BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: Navient Solutions, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted Navient on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and Transunion has closed out the accounts but they are still reporting balances in my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.

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 2015-09-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named XXXX is calling on behalf of XXXX. 

Theyre asking me to verify private information before they will tell me why they are calling. 

I have not given any private information and they wont give me a reason that they are calling. 


I called XXXX who I do currently do business with and all of my bills are paid and no outstanding items were ever sent to any collections agency. They also said that they do not do business with any company called XXXX. 

So this is an attempt to collect a debt that is fraudulent and theyre trying to steal my personal information. 

The phone number that they are calling from is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I received a call from a representative at Loan Depot, name XXXX XXXX telephone number ( XXXX ) XXXX, who stated they had received a notification I was looking to refi. I stated I was looking into my options. Over the phone the rep advised me what Loan Depot could offer. 

We spoke for about 45 mins, she presented me my options, and based on those options, I advised I would not be moving forward. She continued to try to push me and I advised again I was not interested and to please not submit my application. 

Then on XX/XX/XXXX at XXXX I received an email stating the opposite. The representative did in fact submit my application, without my permission, and did in fact open a customer refinance profile without my husbands and/or my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: EQUIFAX, INC.
State: MI
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:
XXXX  turn into XXXX and all payment history disappear on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and Transunion has closed out the accounts but they are still reporting balances in my 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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing with reference to my XXXX loan from XXXX with XXXX XXXX serviced by XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. This loan is being incorrectly reported by Transunion. I have tried to resolve this with Transunion, UAS and XXXX without success. This loan became delinquent in XX/XX/XXXX ( 19 years ago ). About 1.5 years ago, XXXX took over servicing of this loan during a merger/acquisition with another student loan servicing entity. In the process, XXXX changed the account number on this loan and began to report it as having become delinquent in XXXX. Thus far, XXXX has not responded to my correspondence, while Transunion and XXXX responded in form only. When I call to follow up on my written complaints, Transunion insists that they can not do anything and it is all in the hands of XXXX. XXXX tells me that only the designated account representative can address my concerns, refuses to provide the individual 's contact details, and advises that the individual will contact me directly XXXX no one has done this over the course of several months ). My most recent written dispute in this matter with Transunion was filed on XX/XX/XXXX. The most recent phone call with them was today, XX/XX/XXXX and I was again informed that XXXX continues to maintain on behalf of XXXX XXXX that the reported information concerning the loan 's delinquency status is correct. The original loan amount on this account was {$7500.00}. The outstanding principal since XX/XX/XXXX was unchanged at {$2200.00}. The loan was transferred through consolidation to XXXX on XX/XX/XXXX and is now current. It is my belief that XXXX purposely " re-aged '' this loan as a tactic for collecting payment and now does not want to address this, because they have been paid in full through the loan consolidation with XXXX and because they are aware that they have committed an unlawful act by re-aging the loan.

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: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian Credit Union continues to report false information regarding a utility bill with XXXX. For 6 year they reported the opening date of the account as XXXX2009 with the account closing, due to a last payment XXXX/XXXX/2009. Additionally, the report date is wrong. The account was opened for 5 months and closed post XXXX refusal high rates despite a XXXX issue with faulty air conditioning. 

Currently, they are reporting the account as a loan that was taken out in 2009. The term of the loan is reported as one month. The loan is also reported as derogatory. This is despite the account being paid in full. 

-Additionally, the below noted are still being reported on my account despite letters for removal despite letters from collectors for removal. 
* {$60.00} paid medical bill, XXXX {$220.00} XXXX ( XXXX Collections ). * {$750.00} 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 2017-01-07
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LVNV Funding LLC, has reported to XXXX that I owe them {$230.00} for which is absolutely erroneous. 
This an official complaint of dispute. 
1. ) The alleged creditor is a computer, that has generated this fraudulent debt of {$230.00}. 
2. ) The alleged creditor can not validate with an notorized " Affidavit '' that it is not a computer. 
3. ) The alleged creditor can not provide a singed agreement between the alleged original creditor to validate the claim that the consumers personal information belongs to the alleged debt of {$230.00}, in compliance with Fed R. Of Civ Pro 4, ( Probable Cause ). 
4. ) The alleged creditor can not provide a copy of the alleged original creditor, " Notice of Service '', in compliance with Fed. R. Of Civ Pro 4. 
5. ) The alleged creditor is in possession of the consumers email address, date of birth, SS #, previous home addresses, present home address, phone number, back acc info, and seeks to utilize said info across the state lines of Ohio and Mo, via U.S. Postal and or via internet to obtain U.S. currency, for which the consumer views as identity theft, libel, slander, cyber terrorism, tax evasion, money laundering. 
6. ) The alleged creditor seeks to confirm the claim of debt by submitting my personal information, without submitting any affidavit that would allow the consumer to know any of their personal information, needed to file complaint with The Federal Court. 
7. ) The maliciously filed debt notice appears as public record on file with theXXXX major credit bureau s, XXXX, for which has caused the consumer atypical and significant hardship due to deformation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Spring Oaks Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent a letter to and Springs Oaks Capital for XXXX of the debt that is the actual accounting Verification of sans invoice A contract binding both parties you and them in a letter by certified mail so there is the independent witness to having it being delivered According to the 15 USC 1692e 15 USC 1692d, and 15 USC 1692B Not use any language or symbols on an interval envelope or in the contents of any communication affected by mail or telegram that in the case that the dead collector is in the debt collection business or that the communication or relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: AES/PHEAA
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:
I have been trying recertify with XXXX since XXXX. Last year I had asked to be placed into forbearance when I could not afford payment until XXXX until after I filed my taxes " married but filing separate ''. XX/XX/XXXX, I submitted my initial application to recertify after my forbearance ended. I called to make sure it was received and the gentleman I spoke with said yes and it should be around $ XXXX/month. XX/XX/XXXX comes around and then I get a letter I was denied because I did not make a " intermittent '' payment. The gentleman I spoke with initially in XXXX did not mention this. I would have been more than happy to make an affordable payment. I am now told to recertify again. I ask that it be expected due to the company error. They state they will do what they can so I send in my information again. I am now placed into the wrong plan and an even higher payment I started with. They ask me to recertify again. I have do it again- this time they say they did not get it and I am placed into standard plan and I selected that. Even though when I log in it shows that I selected income plan and I have a screenshot stating this. Also, I received an email and I have a screenshot from the company that I am now in " grace period '' until XX/XX/XXXX. Last I checked we are in XXXX!!!! This company is a fraud and does not know what they are doing. I am contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
1st paypal permanently put my account on limited and was not able to do transaction. Hence, currency conversion and fund transfer was block. My balance hold status was lifted but still on their control. It like they are doing this for their own interest. I have check a social media group and found out that there were several users facing the same problem. They been trying to solve the same issues just like what i did but paypal is not responding. They been holding my balance for almost a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I checked my credit report with Experian before going to buy a car. I thought it was only XXXX dollar to check with the understanding that annual credit reports are free. They charged me a recurring {$21.00} fee. When I called they would only refund XXXX month. The Experian website is highly misleading and gets people checking their credit to inadvertently sign up for recurring credit monitoring charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of Identity theft from XX/XX/XXXX- XX/XX/XXXX in XXXX FL . 
There were medical services obtained under my name that were reported to the police as well as the FTC and is an ongoing investigation. We alerted the collection agency and all three credit bureaus. Unfortunately this collection agency will remove it from my credit only to re-report it with a new date attached over and over again. 
The amount stays the same but the name of the lab and collection agency slight changes each time along with not referencing the original date. 

This harassment has caused me time and money. 

The name of the agency is RADIUS GLOBAL SOLUTION Original creditors listed as : XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX The amount being reported is {$1800.00}

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 2015-05-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX All this are wrong and i called the credit bureau and they do n't want to remove it ... from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Several items on my credit report have been reported past the 7 years for negative items, I tried contacting experian about this they refused to remove the items. They actually changed the dates on it so it states an incorrect time opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I have been diligent about checking my Experian Credit Report every few days. 
Last week it mysteriously went down XXXX PTs Today it dropped another XXXX points. 
I contacted Experian and they are UNABLE to explain why. 
a ) my balances have been decreasing b ) I have paid OFF two credit cards c ) The credit report balances are not accurate : total credit cards 12 actual 11 Credit card balance according to report XXXX actual XXXX d ). NO new inquiries,, yet despite this the credit score has decreased, and NO ONE at experian the keepers of the credit report can tell me why, they refer me to the bank stating " if you want a direct answer you will have to reach out to a credit advisor. Your Bank may have one. '' They also said : " I would be happy to go over our scoring model and factors but will not be able to give a direct answer '' can not give a direct answer. 

Then why in XXXX 's creation is EXPERIAN allowed to handle this information if they do not know how it works. 
Inaccurate reports that are given to banks is in my eyes a fraudulent act. Reporting FALSE information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Atlanticus Services Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We have a loan with XXXX. It shows up on our credit report as a credit card. They will NOT accept a payment via a credit card, only debit or, their preferred method, direct access to our bank account. We have thoroughly reviewed our agreement and the payment options on THEIR website, and it does NOT say that credit cards can NOT be used for payments. Upon making a payment, by debit card on the phone, only a confirmation number is given, with no way to request or print a receipt. They do n't give receipts, not even by email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I had an alert come up on my phone to ask if I will authorize a transaction. I said no, and it went through. I have proof with a picture that I said no. 
I talked to them on XX/XX/XXXX, and a few times before that. They told me that its not always full proof. So now I dont know what to do.

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 2016-11-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX credit ... a collection agency ... is improperly reporting after not following the fcra

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Account number 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 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have 3 different credit cards with American Express. One account is my personal, 2 others are business cards. I have made all my payments on time. Have never missed any payments. The last 2 months, American Express contacts me 3 weeks prior to my due date asking for the payment and putting a hold on my account so I would not be able to use them unless I pay my upcoming payment 3 weeks in advance. My accounts have no balance limit. Non of this is in my customer agreement with American Express. I have advised them about this issue and basically they had no answer for me. It is not legal to ask for a payment 3 weeks in advance and not allow me to use my card. They also do not care if I close my account. I wouldve never thought American express would do that to its long loyal customer.

Company response to consumer: Closed with explanation