BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint becau se   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manne r as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Consumer Portfolio Services, 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: Account status incorrect

Complaint:
I sent a letter to the credit bureaus and the creditor on XX/XX/XXXX which was received by certified mail XX/XX/XXXX. I never got a response all I see is that they changed my account status to open and show a monthly payment frequency. Thus account is closed and being disputed for accuracy. They never sent contract or to show proof this ia my account all they do is say it is verified. Consumer portfolio services updating my account to show open with monthly payments is a direct violation of my FCRA RIGHTS. also the credit bureaus who allow them to show account charged off but open is in accurate reporting and also a violation of my FCRA rights. They both can be sued for each violation they continue to make. I have multiple certified letters asking for all documents for this account. After this step I will take legal action against them and the credit bureaus for abusing their reporting authority in a defaming way towards me. I will be seeing for each individual violation which is {$1000.00} per error according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit XXXX sold or assigned the loan to a credit collection agency XXXX, and the loan was paid off in full on XX/XX/2016. We have a letter of satisfaction from XXXX ; however, XXXX is still showing a balance and a charge off. This needs to be cleared/updated. 
The same situation with XXXX, they sold the loan to XXXX and the loan was paid off in FULL on XX/XX/2016. We have a letter of satisfaction. This also needs to be cleared or updated from our credit. 
Please advise on how to get this done.

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 2021-07-28
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/1922, & XXXX & XXXX there were 4 ach XXXX $ dollar transfers made online and I was not aware of the XXXX until XX/XX/XXXX which is today but I was aware of the 3 all made to same account and I didnt make those transfers and I have called so many times and I have sent the required paperwork to the emails they have provided me with to verify my identity and nothing is being done and every time I call its the same process over and over of being transferred and being told the same thing each and every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My private student loans with Navient. I have been trying to make long team payment arrangements. Over the last few years I have been paying my loans on time by automatic draft. I noticed even though I was on a approved payment arrangement. and paid on time I was being charged {$15.00} late fee on all my loans when I had the funds coming out of my account on time everytime. I called last week to have the payments stopped because I am in the middle of a lay off and I just cant afford to pay for almost {$980.00} a month in student loans payments. I work in the XXXX where I have to pass XXXX and I ca n't have any negative credit history. At this point I ca n't pay the amout they are looking for every month and I do n't know what to do. I called and have them stopped the automatic draft one my loans to give me time to try for a deferment or forbearance. Monies still were taking out of my account. I have been given misinformation and it seems something is wrong when my loan balance is so much more than I borrowed. I just want a payment plan I can make with out having to choose to pay my loans or buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is purposely saying i 'm not sending in the required documentation for a home loan modification. I have sent XXXX by XXXX and i made copies of what they requested. I am not going to keep wasting money and gas mailing them the same things over and over again. They are doing this on purpose so they can continue to add the late payments. Bank of america did this to me last time where i took 2 years to get them to lower my payment. They are giving me the run around they keep mailing me saying they do n't have the required documentation. This is causing me real undue distress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2015-05-29
Company: Navient Solutions, LLC.
State: FL
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:
I graduted on XXXX 2007, from XXXX XXXX XXXX, right now my student loans is about XXXX or more, I ca n't paid my loan, I 'm single mother of XXXX, work XXXX hours a week to paid rent, utilities, food etc. I would like to know if XXXX charge me a lot of money got a my XXXX, I do n't work in computers, they didnt help me to find a job. So I would like to know if I have a case. My credit is so poor right now, that I ca n't even buy a house o a car. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
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:
I have had a loan with XXXX but all of a sudden I have not been able to access my account. Navient calls me and tells me that I need to pay them. I tell them send me a statement in the mail so I have proof of this bill. It has been almost a month and I have not received a statement and on top of that I am being harassed by Navient every day. Still no statement has been sent. I should have some assurance that my payments are going to the right people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, there are unauthorized inquires reporting on 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 2021-07-28
Company: FISERV INC.
State: CA
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:
TRS Recovery Service sent me a letter asserting they were collecting on a debt which they assert is mine, regarding a stopped payment at a Wal-mart I have never been to.

TRS has a track record of falsely associating 3rd party debts with victims of their deceptive business practices and intentionally making dispute/validation process difficult/impossible, while making payment easy, in order to convince victims of their practices to just pay and move on instead of invalidating.

I phoned the organization when I received the debt collection notice and requested supervisors, and requested to be transferred to their compliance department, which they stated they would not do for me ( because of internal policy they were unwilling to transfer me to their compliance department ). In both cases I stated I was pursuing invalidation of the debt and was not satisfied without being transferred to the compliance department, and that I did not intend to terminate the call until they transferred me, but in both cases they ultimately terminated the call against my wishes while I was pursuing validation of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi My name is XXXX. I am a XXXX year old senior citizen who has been trying to get help from lender to with hope that I am able to stay in my home for the last few years I am here on earth. This issue has gotten so bad with my lender trying to take my house that my niece and her family more in with me and reach out to get me help from a third party.

At the time I hired the third party I had a sales date or XX/XX/XXXX 2017, they submitted an application on my behalf to my lender XX/XX/XXXX 2017 at which time I was sent a letter stating they had received my file, there was a second letter sent on the same day, saying my only option was to reinstate my loan or cash for keys. They told my third party that my file would not be review after it was received because of the sales date on my property of XX/XX/XXXX17. I live in New Jersey so I was able to get a 30 day postponement from the sheriff's department which give my lender the time they need to review my file. My sales date has been extended to XX/XX/XXXX 2017. My third party called XX/XX/XXXX17 to follow up on the status of my loan modification and my servicer said they were not able to review my file because of a 37 day rule set by the Consumer Financial Protection Bureau. Please remember they have had my application since XX/XX/XXXX 2017, over 37 days now. 
My servicer said they sent me a letter on XX/XX/2017 saying they reviewed me for all options and the only option available to me is cash for keys because of your 37 day rule. Please help me! Don't let them steal my home.
 Thank you 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed debts on my experian and XXXX  report. I have Items on there that is fraud. I submitted a dispute through the credit reporting company as fraud. They said company came back said it was me, with no proof. So I write each company beyond 30days ago. I got no response. Nothing showing I owed the money that the account belongs to me no documents with my ID or anything. I send this to experian and they start a new investigation. Per the law creditors have 30 days to respond otherwise delete. I sent tracking numbers and everything to them. They are not following the process. They said they do not have to re.ove it. That it's not fraud cause they have my DOB, SSN, YEA CAUSE ITS FRUAD. I would like these accounts removed these companies held responsible and 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 non-monetary relief
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had a lease from XXXX starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to XXXX and they verify that my account is payed off and close. But the credit report company got different info.

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 2021-07-29
Company: Experian Information Solutions Inc.
State: CA
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:
unauthorized use of 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 2016-05-02
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a debt item in early XXXX 2016. I was told my credit report would be updated at the end of the month to reflect the credit was paid in full at that time. I had my report pulled a couple days ago and the item is still showing that I owe the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: 1st Franklin Financial Corporation
State: GA
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:
1st Franklin Financial has a hard pull on my credit report when in fact I have never applied for a loan with them. The hard pull shows on my XXXX Credit Report which shows a fair credit rating because of this and does not show on my XXXX Credit Report which shows a good credit rating.

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 2017-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2016 I sent a payment of {$85.00} using CapitalOne 's Peer2Peer payment system to XXXXXXXXXXXX. This system uses XXXX, a third party. The intended recipient reported that they never received the funds nor any notification. Upon opening a case with my bank they reported that the funds were deposited into a XXXX XXXX XXXX account however they have refused to provide me with the name of the person nor with the account number for me to know who received the money. My bank has also failed to refund me my money basically telling me that it is lost and unrecoverable in any way. Now myself and my intended recipient are out the original {$85.00} and I have to send another {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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:
some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/2020 and the second one was on XX/XX/2020 same dealer ship XXXXXXXX XXXX XXXX XXXX  XXXX, Kansas Phone XXXX, I also did disputes on Trans Union, XXXX  and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : XXXX XXXX via XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing information that i did n't authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
MANY HARASSING PHONE CALLS PER DAY

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I contacted Experian today requesting a refund for an apparent membership that I did not realize I was signing up for. I went to the website on XX/XX/XXXX to purchase a credit report that I thought was free but I saw that I had to pay XXXX so I thought it was just a processing fee and then {$21.00} came out of my account 10 days later, which I just saw today and I did not authorize or think I was authorizing. What I saw when I went to the website on my phone on XX/XX/XXXX is in the attached image. 
The supervisors I spoke with today said they could not issue me a refund because it clearly states on the website that I was supposed to cancel within one week but here 's the thing, I NEVER saw the important information section that is listed on the website because you have to scroll down to see it from mobile. It 's on a separate screen. How deceiving! Seriously! Deceptive mArketing at its best, advertising a purchase for {$1.00} and then misleading customers into a monthly subscription. 
All I saw was that front page which prompts you to immediately click the button, so I clicked on it thinking I was purchasing a credit report for one dollar and that was it. I did not sign up for anything I did not authorize any reoccurring payment on my end. Today I called and did cancel after finding out that they had signed me up for this. I feel very deceived and I would like my {$21.00} back.

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 monetary relief
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX judgments against me which were both paid in XX/XX/2016. XXXX and XXXX. I am unable to get this information, along with the XXXX account showing pd, off of my credit report, and it is still affecting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX  XXXX ... XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2017-03-28
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
We have tried repeatedly to get Navient to transfer our stafford student loans to XXXX because both my husband and I work for XXXX and would qualify for public service loan forgiveness, but each time we apply they deny us saying we did n't file the right paperwork or ignore us altogether. We have applied 3 times and twice they did n't even respond.

Company response to consumer: Closed with explanation