BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am in the Public Service Loan Forgiveness program. I began working in XX/XX/XXXX and immediately filed paper work to have my loans consolidated so I may join the program. Due to multiple errors and delays in processing, I was n't allowed to begin making payments until XX/XX/XXXX. I have tried to remedy this complaint with Fedloans servicing, who is my current loan servicer, however, they wo n't allow my me to make payments for the lost months in this error. My loans were officially dispersed on XX/XX/XXXX.
Furthermore, additional errors were made in my account. In XX/XX/XXXX my payment had tripled incorrectly due to a glitch in Fedloans system which would have sent out notification for me to re-certify my payment plan. Management acknowledged this error, however, I was placed into forbearance even though this issue had not been my fault. Thus I was delayed in making payments for an additional 2 months due to being placed in forbearance. I was even told it would be an administrative forbearance but I have since found out they categorized it as a hardship forbearance. On XX/XX/XXXX, under the guidance of management at Fedloans I had made a payment of XXXX to count toward my PSLF. I have now learned that Fedloans has not even counted this payment as they claim there is no active bill for this month ( as they still considered me on forbearance. ) I have however, verified that a manual override was placed in my account, however, I have still not received credit for this payment.
I would like to be allowed to make payments for the months ofXX/XX/XXXX, XX/XX/XXXX which I was not allowed to due to being placed on forbearance for an issue I did not cause. I would also request the payment I did make inXX/XX/XXXXbe counted toward my PSLF as it was under the guidance and recommendation of Fedloans servicing management that I make that payment. Furthermore, I request to be allowed to make payments for the month of XX/XX/XXXX and XX/XX/XXXX to count towards my PSLF as processing errors which occurred during that time were not my fault.
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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 Report act XXXXXXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: CO
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:
This company has foreclosed on my home after it was put under the civil service protection act in XX/XX/XXXX. The initial paperwork said that no Legal proceedings would take place until XX/XX/XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.

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 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
This company has foreclosed on my home after it was put under the civil service protection act in XX/XX/XXXX. The initial paperwork said that no Legal proceedings would take place until XX/XX/XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.

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 2021-07-09
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
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:
On XX/XX/2021 Portfolio Recovery Assoc added two derogatory marks on my credit reports per XXXX XXXX along with XXXX XXXX, one in the amount of {$680.00} and one for {$950.00}. My request for the debt to be validated and sent to me was not resolved which I requested certified mail in XX/XX/2021. Upon further research, this account was transferred/ sold, and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA PORTFOLIO RECOVERY assoc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: TN
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 disputed the late payments on XXXX  XXXX XXXX, and XXXX   XXXX accounts for months. XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-02
Company: EQUIFAX, INC.
State: TN
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 disputed the late payments on XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: OH
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 Account the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2. States that a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im in good standings with my loan from fed loands i never missed a payment, i called in whenever i try to make payment arrangements,, please erase late marks from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: AL
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: Didn't receive services that were advertised

Complaint:
Experian is running TV commercials advising that they will run a free " report '' of my " information '' being on the dark web. Knowing they are providing free services for credit monitoring for a year because they compromised my information, I went in and provided my email address. After the report ran, they requested my credit card information for continued dark web service. This is deceptive. They are using the data breach and free offer of credit reporting to try to sell this product but they advertise it is free until after you provide your personal information. This is WRONG and the government should not allow them to do this. It 's predatory and deceptive. They have already done enough damage to peoples lives and now they 're trying to take their money. The CFPB needs to regulate these companies just as much, if not more, than they do the financial and other industries. What they are doing is criminal!

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 2017-09-12
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: Information belongs to someone else

Complaint:
now with the security bleach of XXXX i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..

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 2019-11-24
Company: MiraMed Revenue Group LLC
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE SOME MEDICAL BILLS WHICH I AM UNABLE TO PAY. THEY ARE AS FOLLOWS : XX/XX/19 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, IL XXXX FOR {$1400.00} XXXXXXXX XXXX XXXX XXXX  " ' '' ' '' ' '' ' '' ' '' '' {$150.00} MIRAMED REVENUE GROUP XXXX XXXX XXXX XXXX XXXX IL XXXX {$52.00} XX/XX/19 MIRAMED REVENUE GROUP ' ' ' '' ' '' ' ' '' ' '' ' '' ' '' ' '' ' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' {$330.00} XX/XX/19 MIRAMED REVENUE GROUP '' ' '' '' '' ' '' ' '' ' '' ' '' ' '' '' {$59.00} XX/XX/19 THESE ARE ALL MEDICAL BILLS FOR A BACK PROBLEM WHICH I CAN NOT AFFORD TO PAY. MATTER OF FACT I AM GOING TO HAVE BACK XXXX ( VERY SERIOUS ) IN THE NEXT MONTH.. I AM NOT REFUSING TO PAY THESE BILLS. I JUST CAN NOT PAY THEM NOW. THEY ARE AFFECTING MY CREDIT REPORT VERY BADLY. MY CREDIT SCORE WENT FROM XXXX DOWN TO XXXX DUE TO THESE COLLECTIONS. ON TOP OF THAT I AM GOING TO BE OFF WORK FOR AT LEAST 4 TO 6 WEEKS ACCORDING TO MY SURGEON. IF THESE COMPANIES WOULD TAKE THESE OFF MY CREDIT REPORT, I WILL BE WILLING TO DISCUSS PAYMENT WITH THEM AFTER MY XXXX AND I AM BACK TO WORK. I WAS UNDER THE IMPRESSION IT WAS AGAINST THE LAW TO HOLD MEDICAL BILLS AGAINST YOUR CREDIT. IT IS UNFAIR. ALSO, I HAVE DISPUTED SEVERAL TIMES ON MY REPORTS THEY HAVE MY ADDRESS AS XXXX XXXX ... I HAVE NEVER IN MY LIFE BEEN TO XXXX LET ALONE LIVE THERE, YET IT IS STILL ON MY REPORT. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX via XXXX Unauthorized inquiry placed on XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Freedom Mortgage Company
State: CO
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:
This company has foreclosed on my home after it was put under the civil service protection act in XXXX. The initial paperwork said that no Legal proceedings would take place until XXXX XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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  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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2019-11-24
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:
On XX/XX/2019 and XX/XX/2019 file a disputed against EXPERIAN to verify 2 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, and I asked simply for these account to be verified and that they send me the contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.

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 2017-09-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have sent the forms for the Income Contingent Repayment plan 3 times, but they say they still have not received those documents. I have submitted the documents through their online portal. I have proof via screen grabs that I have sent them the forms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
now with the security bleach of XXXX i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..

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 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Hello, This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following inquiry was not made or authorized by me. Please remove from my credit account. Thank you. 
XXXX  XXXX XX/XX/2018 Disputed on 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 2022-06-16
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 Report act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission

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 2022-06-16
Company: EQUIFAX, INC.
State: PA
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 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 XXXXXXXX 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation