BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/NAVIENT XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: ORG GC GP Buyer, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Tuesday XX/XX/2018, GC Services called the mother of my girlfriend, claiming that she was listed as a contact point to reach me concerning a financial matter. They attempted to ask her to divulge personal information pertaining to me which she did not provide. I never listed her as a contact point for any debt repayment processes. Under the FTC I believe it is illegal to contact third parties in regards to my personal financial information. I want to report this company for unlawful deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EXPERIAN HAS VIOLATED THE FAIR CREDIT PROTECTION ACT. 

THEY PREVIOUSLY DELETED A TRADE LINE BY " XXXX '' IN MINNESOTA WITH STATUS OF " UNKNOWN ''. THEY DELETED THIS TRADE-IN ON XXXX AS I HAVE MANY MONTHLY CREDIT REPORTS DIRECTLY FROM THEM FROM XXXX TO XXXX XXXX. OUT OF THE BLUE, WITHOUT ANY NOTIFICATION, THIS TRADE LINE IS SHOWING UP ON MY CREDIT REPORT AND IN DIRECT VIOLATION OF THE ACT. 

I SUGGEST THEIR COMPLIANCE DEPT ALONG WITH THEIR LEGAL DEPARTMENT CAREFULLY REVIEW MY CREDIT REPORT, DAY BY DAY SINCE XXXX SO THEY CAN FIND WHERE THEY VIOLATED THE ACT WHICH IS A CAUSE FOR MONETARY PENALTIES AWARDED TO ME IN ADDITION TO CAUSING MY FINANCIAL HARM. 

THEY NEED TO REVIEW THEIR FILES AND IMMEDIATELY DELETE THIS TRADELINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Called Transunion twice trying to get reason why their site was claiming THEY had a problem ... because the site gave me a telephone number and told me to call them ... each time their rep wanted to grill me for personal information over the phone ... I finally got someone to tell me me that their " service '' did not work with XXXX XXXX  ... 

So, I went to XXXX browser and got on.. However, when got to date page, it would not " take ' the dates to open up the report ... I was able to scroll down to correct date, but would not " activate '' when pressed. So, called back again.. again getting someone that wanted to drill me over the phone for personal information ... and, it was now clear, do the job personally. The person admitted did not know anything about the Transunion web site and admitted could not put me in contact with anyone that did. 

First person : did not get ID ... hang up on me when refused to give out personal information over then phone Second person : XXXX XXXX Third person : .XXXX XXXX Called XXXX I think this is a scam to enable the company to troll for information. 

Also, it looked like, if the web site had worked that they wanted me to leave the report open for at least 24 hours ... which would not have been necessary.. except, I have to wonder, to allow other paying clients to access my information. 

REPORT SUBMITTED TO CFPD under duress ... no reason for them to have it.. This is an company web issue ...

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 2015-09-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XXXX vehicle in XXXX of this year. I think I may have been a victim of discriminatory auto loan pricing. I have a relatively high interest rate and was quoted a down payment. Then later the next day I was required to make an additional down payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient employees are repeatedly calling and leaving messages on phone numbers I have asked them to remove and do not call ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

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 2019-02-16
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Re Loans : XXXX XXXX, XXXX XX/XX/2019 XXXX XXXX, Co-signer, Navient Account # XXXX Loan Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Navient has sent negative reports to the major credit reporting agencies stating that we are behind in the above Navient loans. My credit score dropped XXXX points because of their error. I am a co-signer with my son on his school loans. Navient claims my son hasnt made payments since XXXX. These are AUTOMATIC withdrawals. They were withdrawn in XXXX, XXXX, and XXXX, applied to these loans, and suddenly, in XXXX, Navient claims they haven't been made. My son has bank statements from XXXX XXXX showing that Navient received these payments. We are in the process of sending these reports to Navient. 

Apparently these funds have now been applied to the Federal Loans that XXXX has ( those loans without my signature. ) If so, this was done without our authorization or approval. By doing this, the loans I signed for ( all shown above ) have gone UNPAID, causing Navient to send negative reports on my credit. This is unprofessional if not illegal and they should be held accountable for hurting customers in this way. I know these payments were made on the loans I signed for, but Navient says they were not. While this would never happen at Navient, whoever diverted these funds should be held accountable because it ruined my credit as well as my sons. 

Thank you for any help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, Experian and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A zero balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by reporting a zero balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On or around XXXX XXXX, 2016 a dispute involving inaccurate credit reporting data was submitted to Experian in regards to an unverified late payment. FCRA requires results be investigated in 30-45 days and notifications made. On XXXX/XXXX/16. I received online notification of other results but never for XXXX account XXXX which is negatively impacting my credit and has not been verified showing a late payment. My dispute for this account was never addressed.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-09-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was scammed by a predatory HECM loan executed by Wells Fargo on XX/XX/2010. I do not feel comfortable attaching the good faith documents or any other documents relating to the fraudulent predatory loan. I do not trust this agency or any other based on your complete favoritism shown toward Wells Fargo. Also, you say that you 've tried to contact me several times? How difficult is it to call XXXX and either speak to me or leave a message? Or even better, how about e-mail XXXXXXXXXXXX. Your investigation was completely one sided. Same as the job you 're doing with the latest of the Wells Fargo criminal scams. XXXX accounts robbed!! Great job guys

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 2015-08-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The credit company will call M-Sunday from XXXX to XXXX at night. they do not leave a msg and call every XXXX continuously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: TRUIST FINANCIAL CORPORATION
State: VA
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/2020 {$11000.00} was paid to XXXX from my Truist ( formerly SunTrust ) savings account ( pmt XXXX XXXX POS XXXX. ) I have never had an account of any kind with XXXX and did not authorize anyone to act on my behalf. 

I reached out to Truist and they indicated I would need to reach out to XXXX since the request originated with them. I reached out to XXXX but they wouldn't talk to me because I don't have an account with them. I'm caught in the middle. I was back and forth with Truist for over a year with no resolution. 

I thought under Reg E there would be a provisional credit. That never happened and after XXXX  days without it being resolved the provision credit was never made permanent. 

I would like all parties to come together and talk and then I would like my money deposited back into my account. 

Case number with SunTrust : XXXX Acct number ending : XXXX This is written for my by my daughter, XXXX XXXX XXXX I can give more detail as needed. 

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 2021-12-17
Company: Experian Information Solutions Inc.
State: IL
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 a mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2016-11-21
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a debt with XXXX, which was sent to a collection agency ( Convergent ) I called in XXXX to verify the amount owed. I was first hung up on which was a Saturday. I called back the following Monday and spoke to a rep named XXXX XXXX. I was given the amount owed of XXXX ... I advised I did not have XXXX she then gave me a settlement offer of {$10.00} ... I made a payment of {$50.00} XXXX XXXX, and {$650.00} XXXX..when I called in to pay the balance of XXXX on XXXX, she then adv 'd me that XXXX sent in more charges of the phone itself that not had been fully paid ... the balance then came to {$1300.00}, which again made a settlement offer on that of {$1100.00} ... therefore now XXXX seperate settlements on the same account. I paid {$100.00} on XXXX XXXX, 2016, {$100.00} on XXXX XXXX, and {$100.00} on XXXX XXXX, 2016 which leaves me a balance of {$840.00}. I called today XXXX/XXXX/16 to verify my payments. The rep then told me there are more added charges from XXXX, when I had infact called XXXX, and the XXXX was the last of the charges. The charges that were added when I called on XXXX, she is trying to put back on by balance. 
This company is a lie. I am so upset. It seems like everytime I call, they add more charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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