BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: T.S. Holdings
State: MO
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 disputed this account numerous of times with I.Q. Data Solutions. I have requested the proper verification to show that I am responsible of a debt owed with I.Q. Data and they have failed to validate or provide any contract binding me legally with this company. Each time I have called to speak to a representative I am either hung up on, placed on an extensive hold or spoken too rudely and inappropriately. This issue is affecting my credit score and credit repairing. What they have provided with me with shows no proof that any agreement or contract was signed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received an alert from XXXX XXXX that there was a " Hard Inquiry '' on my credit report. There was a hard inquiry on XX/XX/2015 and XX/XX/2015 from XXXX XXXX. I contacted them and stated that I did not apply for any credit, do not have any accounts ( past or current ) with XXXX, and did not authorize XXXX to pull my credit. I was told they could not find an account and to send an email through XXXXXXXXXXXX. This is not a valid link. I would like XXXX to remove the XXXX hard inquiries from my credit report and inform me as to why they pulled my credit report to ensure I am not a victim of ID theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have sent several requests to XXXX, XXXX  and Equifax for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

Equifax has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

XXXX  - XXXX XXXX ( my name is XXXX XXXX ) Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( my name is spelled XXXX XXXX ) Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
After receiving several threatening phone calls from XXXX, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( XXXX XXXX XXXX and CitiBank ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.

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 2015-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my TransUnion credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a XXXX listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get an account report with XXXX and experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around

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 2017-01-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I purchased a reporting service many years ago from Experian and have been charged $ XXXX/month. About a year after I purchased the account ( # XXXX ), my password either expired or was forgotten and I requested to update it. I was unable to do so online as Experian had the incorrect information associated with the account ( name, SS #, address, and/or Mother 's Maiden name ) and I was directed to their service line. I called repeatedly and was promised that they would send me a temporary password, but they refused to ever actually do so. After repeated such attempts i complained and was told that they had been sending emails which were blocked by XXXX. In the interim I continued to receive monthly advertising emails from Experian to the identical email account. I contacted XXXX, who had ( 1 ) never been informed of such a problem by Experian, and ( 2 ) also could not comprehend why some emails would successfully go through but others would not. I forwarded an example of such an email back to Experian, but when I spoke to a Supervisor, who refused to read that email. In the meantime they continue to charge my Credit card for services that they are blocking.

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 2015-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the Judgment on my Experian report XXXX times, twice sending them a copy of the judgment showing where it was cancelled in XXXX 2015 and should be removed from my report as XXXX and XXXX have already. They still show it as satisfied and it should be removed being it was cancelled/voided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
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:
In consideration of the recent announcement that the Federal Government is suing Navient we felt it important to make you aware of our situation with Navient. Currently my parents and I have XXXX student loans with Navient. The first XXXX loans are manageable ; however, the loan I received for my XXXX year is not. The first XXXX are Signature Student -Private loans and while the interest rates ( 5.250 % - 5.375 % ) on those are higher than the interest rates my brother received we feel like we at least can make some headway in paying them off. When we applied for the XXXX loan for my XXXX year we were lead to believe that the XXXX XXXX XXXX XXXX loan was the only choice we had as there had been an " overhaul '' of the private student loan industry and this type loan was the result. We are currently paying a 9.625 % interest rate. This is a much higher interest rate than any car loan or mortgage loan that I or my parents have ever paid. What other decision could we have made? This was my senior year! We have asked about loan consolidation, refinancing and even offered to pay the loan off at a reduced amount. There is absolutely no negotiating with them. Please note this is not for a small amount of money. The total borrowed originally was {$100000.00} and we currently owe {$120000.00}. We do n't quite understand those figures. We thought we negotiated to pay a monthly amount that we could manage but we do not understand how it has been applied. Also they automatically put me in deferment when I went back to school for my XXXX ; however, my parents continued to make payments but that has n't really helped either. For example a payment of {$470.00} only reduced the total owed by {$27.00}, and one month a payment of {$550.00} actually saw an increase of {$78.00} in the total owed. We just do n't understand how the interest is applied nor how the payment is applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!

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 2021-06-22
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit file Ive noticed a company named Franklin Collection Svcs Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from Franklin collection Svcs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A XXXX XXXX unsubsidized Stafford loan was initiated on XX/XX/XXXX for {$5500.00} to help pay for a year of college at the XXXX XXXX XXXX XXXX XXXX. It was deferred once I started beauty school at XXXX XXXX XXXX. When payments started up again the interest had accrued and the loan had increased to over {$7500.00}. My parents helped me pay it off at that time because we did n't want the amount to increase and pay more interest, so it was paid off XX/XX/XXXX. Last year I realized my other loan payments were messed up after paying regularly since I graduated from XXXX. Navient had reinitiated the old Stafford loan that had been paid off for over two years and started using some of the payment money for the other loans to go toward this loan that had already been paid off. They then started harassing me daily with calls that I owed this money and it was up to me to prove that I had paid the loan off XX/XX/XXXX because they did n't have record of it. I worked with my parents to find the proof and submitted it to Navient XX/XX/XXXX, and they said I would hear back within two weeks regarding their findings. I have not heard anything from Navient regarding this situation. They did remove the delinquent status from my account which should have never happened. This has been extremely stressful and time consuming -- I have spent hours on the phone and working with my parents to try to solve this. I know I saw on the XXXX XXXX website that this loan had been paid off and then when Navient took over the loan came up as unpaid and I could no longer see the same history online anymore. I do n't understand how this could have happened and I am anxious to get it worked out because I 'm still paying other loans and the payments have been messed up since last year when this all started.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Bread Financial Holdings, Inc.
State: VA
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  XXXX   XXXX ,   XXXX   I went t o Virgin Americas w ebsite to look into booking a flight on their airline. Through that process I came across a credit card and decided to apply. I was instantly approved with  a credit score of    XXXX . About a week later my new card arrived in the mail and as I attempted to activate it and make a purchase I realized that the card was not working. I then reached out to Comenity Bank who issues  the Visa and  they explained to me that my account had been closed and a letter would be mailed to my house. Come to find out the account was closed due to the product not being offered anymore through the bank and company due to the merging of them and another airline  XXXX . I have reached out to Comenity Bank to get them removed the inquiry and account off of my credit report to no avail. I should never been allowed to apply for their credit card if they never intended for me to own it and therefore it would have never resulted in an inquiry and account. I have filed a dispute with  XXXX  of the credit bureaus but its a lot of work to try and get them all done and I need my governments help with the matter as this appears to me to a violation of  the Truth in Lending regu lation due to it being a deceptive practice that result in real damages to my credit scores across the board. Thank you -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/2010 because our income had declined by over 50 % during the real estate crisis, we contacted our mortgage servicer Bank of America to ask for a loan modification. They ( B of A ) told us we qualify for the " HAMP '' mod program and the instructed us to start the trial period by making modified payments, which we did starting in XX/XX/2010. The trial period was supposed to be 90-days then either an acceptance or denial would be issued, based on on time payments. We followed their requirements and made all payments on time as prescribed, only to be declined 7 months into the program with no notification from the mortgage servicer. We called in to the bank in XX/XX/2010 to see where we stand because we had not heard from them at all. At that time they told us we were declined for modification because their " Investor Guidelines '' stated we had to be delinquent at the time of entering the HAMP program. We were understandably upset by this and the lack of communication from Bank of America, they had to know we were not delinquent at the time they told us to enter the trial payment period, so we filed a formal complaint with the US treasury service by the advice of our HUD counselor. Then approximately 3 weeks later we got a call from someone at B of A to see about resolving the issue. They put into an " in house '' loan modification which amortized us out another ten years on the note, reducing the payments for three years. The current issue is they refuse to modify our loan now based on our current income, continuously giving us the run around for reasons why, and they are reporting us as 60-90-120 day lates back in XX/XX/2010 when we were making the modified payments they put us in. We have asked them to update our credit report to show no lates as per page XXXX of the HAMP modification program guidelines, it clearly states that if the borrower is current at the time of entering the loan modification trial period and makes all the trial period payments on time, they are to be considered " Current '' as far as credit reporting is concerned .... I have asked B of A to adjust this issue as it prevents us from being able to refinance our current loan or sell our house and purchase another mortgage more affordable. They are not able to effectively respond and get this done, just dragging their feet and stalling us ... ..

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 2016-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have payed XXXX in full I try ed around 10 times to down load the receipt of full payment nothing owed on this account and it will not let me down load the info also they have a medical bill from XXXX XXXX for XXXX from XX/XX/XXXX I have full coverage medical insurance from XXXX Obama care and have had it for years and it 's scheduled to be deleted in XX/XX/XXXX from XX/XX/XXXX this is a fraud because I have no deductible insurance

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 2021-06-23
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened Citibank checking account in XXXX, 2020 with a promotional bonus of {$400.00} for meeting deposit requirements and maintaining a {$15000.00} account balance for a 60 day period. The terms of the offer is the money will be deposited within 90 days of meeting the requirements. It has been almost four months and no monies have been deposited.

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 2021-06-22
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:
XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
credit bureau Experian not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XXXX XXXXand with XXXX since XX/XX/XXXX till XXXX2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello My name is XXXX XXXX XXXX I am XXXX and my birthday is XX/XX/XXXX. I recently decided to check my credit score because I have been working on paying off my credit cards and bill I have accumulated when I was unemployed. Now I am from XXXX, NC born and raised and I have never lived anywhere else outside of NC at all I went to College in North Carolina. I have incorrect information on my credit report of me living in states I have never lived or even visit and phone numbers that I have never had now this same issue came up when I was applying for my XXXX Debit card I had to send in identification because of those same things on my credit that do not belong to me I am trying to get my credit right and this is not helping at all and I also see inquires on my credit from credit cards I never even applied for and things I never even heard of now I only have XXXX credit cards XXXX and XXXX XXXX XXXX which is closed and One student loan that is open but in forbearance, XXXX account that is closed but I make payments on now only inquires I should have should be XXXX and XXXX XXXX XXXX I have been checking on my credit and getting notification with credit Karma now I decided to try the annual to see if it would show the same because I get notifications every time anything changes now I see this on Experian and its incorrect and I would this to be fixed please because I do n't not want things I never did or applied for to be following me around on my credit that is not right even my student loan people had my address in CA and I had to correct them and tell them that is incorrect I when to school in XXXX NC and XXXX NC which is the only time I every lived anywhere else for school and I had my own place in XXXX at XXXX XXXX which is correct but anything outside of NC is wrong and I never had a car loan my car has been paid off since I was XXXX and I never had I mortgage and I have only had XXXX jobs in my life since I have been working XXXX XXXX, XXXX XXXX and the job I am currently at now. If you could please correct this information I would greatly appreciated I can be reached at XXXXXXXXXXXX if you have questions or if I need to submit proof because I keep all paperwork for everything.

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