BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Sallie Mae calls the XXXX cosigner more than 10x per day. The calls begin at XXXX XXXX  and continue every 30 minutes- 1 hour. They are harassing the cosigner. 

STOP CONTACTING COSIGNER!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am writing to complain about a company called XXXX ( XXXX XXXX XXXX ) that is on my credit report. The amount is XXXX $ The original creditor for this account was XXXX  XXXX.On my credit report, there isn't even an account number for this collection so I can not reference it here! 
I have filed disputes with XXXX  and Equifax regarding this issue, back in XXXX of 2020 this account was with another agency called " XXXX XXXX XXXX XXXX  '' and it was removed! Then the account was sold to XXXX XXXX XXXX  and came back! If the account was removed the first time, then that proves it was not a verifiable debt! I have requested method of verification because this is NOT a valid account. XXXX XXXX XXXX  have not supplied any type of verification of this account, and I am requesting this right now because it is my right. 

I do not know the account number for this claim at all! 
I am attaching a photo of my Equifax credit report! This account does not even have an account number and is not showing properly!! I DEMAND this to be removed or show actual PROOF that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to Experian, XXXX, and XXXX. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with Experian but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.

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 2016-06-16
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After not being able to get free credit report because the sight was down I was able to get my report by paying for it. Experian is making it very difficult to get report with out paying for it. I paid for a report because after XXXX dispute letters sent via certified mail they only responded 1 time and the accounts came back verified. They never reinvestigated or provided verification or method of verification despite several written and received requests. There are no account numbers on the report : The report has no number but it was pulled and printed XX/XX/XXXX These are wrong These accounts need to be deleted : XXXX XXXX XXXX accounts???? delete all of them XXXX XXXX XXXX accounts?? delete 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 2016-08-09
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX has breached XXXX remod loans the XXXX accepting my payments for 6 months on the XXXX then stating they had no record of my trial on file placing me in foreclosure I hired an attorney to later get another remod in place after my XXXX payment they did the same all payments were made in person at a XXXX XXXX XXXX branch on the XXXX payment the teller would not accept my payment stating the system showed a different amount due I showed my paperwork indicating my amount due I tried contacting them to be told in XX/XX/XXXX my loan was sold to another company I had to wait for a new loan number and contact package. When received was told I was in foreclosure I hired another attorney to help only now to be told the new company will not work with me and will lose my home of 22 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Applied For A Checking Account Recently And Got Denied I Then Checked My XXXX Report And Noticed A Account For XXXX XXXX XXXX XXXX XXXX Bank ) Account # XXXX Creditors Account # XXXX I Also Received A letter Of This " Alleged Debt '' That Is Owed I then Contacted This Company With A Debt Validation Letter Asking Them To Validate The Debt On XX/XX/2021 The Company responded By Sending A Letter With A Balance On It For Amount Thats " Allegedly '' Owed Also They Had On Letter " This IS A Attempt To Collect A Debt '' This Is A Violation Of 15 USC 1692 ( b ) ( 5 ) I then Sent Them A Affidavit Of Truth On XX/XX/2021 With Proof Of The Violations Also A Cease And Desist Letter Asking Them To Stop Reporting This " Alleged '' Account To XXXX With A Invoice For {$8000.00} For Their Federal Violations Transworld Systems Has Caused Me Great Stress, XXXX, Mental Anguish I'm Unable To Get Approved For A Home Loan Because This Is On My Chexstsystems 15 Usc 1681 ( a ) ( 4 ) Transworld Systems Was Unfair in reporting this Erroneous without consulting with me first the consumer And 15 USC 1681 ( b ) ( 2 ) I Never Gave Transworld Systems Written Instructions To Furnish This On My Credit Report I Plan To Seek Litigation And Also I'm Going To Take To Social Media About How They Are Violating The Consumser Rights That Governs Me And I Will File A XXXX  Complaint And Attorny General

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2017 with a balance of {$3900.00} -This is not my 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 2015-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Begin investigation on the following : date of last activity, account number, and account name. There is a possibility this information may be inaccurate. This must be removed immediately. I also think that this belongs to a person with a similar name as mine. It has not been investigated properly. 

XXXX XXXX XXXX I am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please review the amount, docket number, court name and type of public record I believe it violates the FCRA. Please remove this public record for violating the Fair Credit Reporting Act. See documentation where this is an invalid lien on my credit report from the Georgia Department of Revenue.

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 2020-08-12
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

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 2015-04-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
At the recommendation of my employer as part of a background check, I ordered a credit report from Experian. I was notified at the time I ordered the report that I would be charged {$1.00} for the report. After ordering the report, I was instructed that I had signed up for a 7 day trial and would be charged $ XXXX automatically if I failed to cancel the membership within 7 days. I then proceeded to view my credit score just to ensure that it was at an acceptable level, and proceeding to fill out the rest of my job application did nothing further on Experian. I received no further communication from Experian regarding my membership, though they had my email address on file. It was not until I saw a {$22.00} charge on my credit card this month that I realized I was being charged for a membership. I immediately called the company and explained I had never utilized the services other than looking at my score when I XXXX signed up for the service, that I felt some sort of a notification that my trial membership was expiring should have been provided to me, and requested a refund. They said because I was notified at the time I signed up for the account that I would be charged a $ 22 monthly fee for failure to cancel, they would not issue a refund. In fact, they tried to convince me to sign up for further services at a discounted rate, though I made it clear I had no intent of using the services further, given that I have thousands of dollars in student debt and could n't afford to pay the {$22.00} charge for one month, let alone continue paying for a service I had no intent to use on a regular basis. All in all, I felt that the customer service response I received was poor, and that the business practices failed to adequately warn consumers of the charges that they would incur as a result of using the Experian services. As the attached screenshot shows, the initial screen to order the report only says that there is a {$1.00} charge to order the report ; the $ XXXX membership fee is only mentioned in small print at the bottom of the XXXX page of the order. I admit that in my rush to complete the documentation for my job, I neglected to remember to cancel my membership at a later time ; but my concern is that less sophisticated consumers than myself will be taken advantage of and not realize the costs they are incurring in merely checking their credit report. Had I known about the existence of annualcreditreport.com at the time, I would have certainly just gone straight there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX XXXX every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with 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 2015-07-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
After identity theft occurred ( and a police report was filed ) we placed a " Fraud Alert '' with the XXXX credit reporting agencies, and ordered credit reports to see what information was in them. EXPERIAN THEN MAILED OUR CREDIT REPORT TO THE IDENTITY THIEF 'S ADDRESS INSTEAD OF OUR CORRECT ADDRESS! THE THIEVES NOW HAVE ALL OF OUR ACCOUNTS AND PERSONAL INFORMATION! WE JUST CALLED EXPERIAN, AND THEY ARE VERY SORRY, BUT CAN NOT DO ANYTHING ABOUT IT! THEY NEED TO BE PUNISHED! SORRY IS NOT ENOUGH!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with AM HONDA FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and AM HONDA FIN with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 and 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2016-11-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had been wrongfully billed from a hospital because of failur of service at an emergency room. We had to go back to the emergency room for the same service the following day and disputed the bill with the hospital. The hospital then gave the outstanding bill to a collection agency. The hospital closed the account and the collection agency was informed but proceeded to to report it on my credit report instead of closing it on their end. Accoriding to Experian the account was closed from the collections agency but my credit has not gone up since the results.

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 2017-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear Consumer Financial Protection Bureau : Hello. On XXXX XXXX, 2017 in the MORNING, I transferred {$25.00} from my Savings Account to my Checking Account at Bank of America.
On the EXACT SAME DAY ( XXXX XXXX, 2017 ) in the AFTERNOON, Bank of America initiated an AUTOMATIC transfer of my {$25.00} back into my Savings Account WITHOUT my CONSENT.
On the following day, I closed my Savings account, but the money was NOT accounted for. Because of this Bank THEFT of my money, I incurred 2 OVERDRAFTS on my account and had NO MONEY to buy me something to eat and ride the bus. I had to walk 11 miles in the hot sun.
I would like to file a formal complaint against Bank of America for th THEFT of my money. I have EVIDENCE and DOCUMENTATION of the Bank THEFT.
Call me ANYTIME : XXXX ; Cordially, 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 2020-08-12
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX  XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: I.C. System, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2017-01-02
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Credit report not made available online, after completely filling in information online site. Site says my report not available and takes me to mail application ( which requires time and money for stamp, envelope, and mailing - NOT FREE. Must mail an application and wait 15 days - I need report now to monitor credit, not weeks later!!! No explanation why online report not made available. 
Secondly, security id questions are vague and difficult to answer. For example : 1 ) Street you have lived on in past : Offers street name for residential property I own, but not necessarily where I have lived. 2 ) Asks for mortgage closed lender from over 3years ago : I have more than one and its been over three years ago. Must I find my records to answer? 3 ) Asked for closing lender on a vehicle from 2008 over 8 years ago. These are questions I could answer IF I had my credit report, a chicken and egg process going on here!! 
Disappointed-formerly this was a couple of minutes process to get credit report and view online.

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