BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I tried to make a payment on my student loan in the beginning ofXX/XX/XXXX. When I logged into my account with XXXX, a notice came up with " your loan has been transferred, please click here '' ( Please note that in the 15 years with XXXX, I never had an issue with them ). 

I clicked the link and it took me to Navient LLC. I had to register with them. I was given no other notice that they owned my loan. 

I consolidated my student loans in 2002, into one loan. Navient shows that I have two loans. Repeated requests to explain were met with, that 's just how we allocate loans. 

They do n't seem to understand the the definition of consolidate. I had two loans - then consolidated them into one loan. The purpose of this was to have one payment. Their own correspondence to me shows I now have two loans. How is this possible? 

They also can not produce the promissory note i signed when I consolidated my loans. How do I even know they own my loan and that I have to pay them. I believe they are running a scam to earn more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MN
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 contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX  that was fraudulent there is 3 credit cards one from XXXX one from XXXX  XXXX and one from XXXX  XXXX  XXXX  that should not be there. There is an auto loan with XXXX  XXXX  and another company that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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 am submitting this on my own behalf, no third party is involved. This company, Equifax, has ignored and/or not address properly the 5 correspondences that I have sent them to have a bankruptcy record on my report DELETED. They could not show proof of their investigation and how it was verified, and they also MUST delete it because it had multiple inaccuracies which I proved by showing them the consumer reports from the 3 CRAs. I gave them my written authorization to get this item deleted and they need to comply. 2 of the few violations they have taken while investigating my request are included in the attached invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Experian Information Solutions Inc.
State: NJ
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 our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XX/XX/XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XX/XX/XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip.
On XX/XX/XXXX we received notification that our mortgage payment for XX/XX/XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XX/XX/XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XX/XX/XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.

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 2020-02-19
Company: Activehours
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I tried to get an extension and was told the debits couldn't be rescheduled. I'm having financial issues and just needed until XX/XX/2020 to pay the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per my previous complaint # XXXX the company responded that after investigation the below accounts have been verified. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Please provide proof of a true investigation or delete accounts.

In accordance with the Fair Credit Reporting act. This company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX exprian I tried calling 5 times a day. I wrote handwritten dispute 609 letters. Still no removal. This is becoming a hardship on me. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-08-21
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a hard inquiry on my credit file, I did not permit this, or know what it is about. I have tried contacting them, but they tell me to contact XXXX XXXX, and then they keep running me back and forth

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian will not delete the Bankruptcy from my credit report. They are in violation of my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account or public record without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with XXXX seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and XXXX to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against XXXX, TransUnion, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with XXXX. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and XXXX on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to XXXX, XXXX , & TransUnion to review this case and I asked for any documents from each credit bureaus along with XXXX and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.

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 2022-07-07
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX  XXXX US DEPT EDXXXX US DEPT EDXXXX XXXX XXXX US DEPT ED XXXX USDEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: FC HoldCo LLC
State: AL
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:
Im a victim of identity theft. I did not apply for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, In XX/XX/2022, we were placed on a COVID forbearance plan that expired on XX/XX/2022. In that time, I applied for homeowners assistance fund that was available through the Florida Department Of Economic Opportunity. My application was approved on XX/XX/2022 and they stated they would distribute funds directly to my service provider which is XXXX XXXX to pay the amount due/past due amount on my Mortgage. Unfortunately, there wasn't a timeframe provided on when they would send the funds. It's been over a month. I've been in contact with XXXX to advise them of this, and they stated my account was protected even though my forbearance ended on XX/XX/XXXX. All they said i could do was stay in contact with them once I advised I was waiting on payment assistance and they are aware that the time varies on when the funds are sent. I called last Thursday and spoke with XXXX on the XXXX as i scheduled a payment for XX/XX/XXXX, to inquire if i should make my regular monthly payment now that my Forbearance ended even though i was still waiting on assistance due to me not wanting a late payment on my credit or my house to go into Foreclosure. I was assured it would not, and was advised to not make any payments until the amount due/past due was paid on my Mortgage by the Florida Department Of Economic Opportunity . I was assured this wouldn't negatively impact me, and XXXX even stated they spoke with their supervisor who even cancelled my payment that was scheduled for XX/XX/2022. Now it is XX/XX/2022, and XXXX XXXX and I both had our credit scores hit and they were dropped XXXX points. I am extremely upset, and i attempted to contact XXXX, XXXX today, and every time i contact the main customer service number, i get told due to high call volume, i need to call back at a later time. Well, i tried multiple times throughout the day at different numbers and can not reach anyone. I finally spoke with my lender directly XXXX XXXX XXXX, who transferred me internally to someone in XXXX, who then transferred me to another person. This whole situation is a nightmare, I just want our credit report fixed, and I want our mortgage protected until the funds are paid on the amount thats due/past due that was promised through the Florida Department Of Economic Opportunity .

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 2017-10-17
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the mail claiming that I owed a debt to XXXX XXXX and that this company " AssetCare LLC '' now owns the debt with a balance of {$2600.00}. 
I call XXXX to try to resolve the issue on XXXX/XXXX/XXXX by phone asking for the following : A signed copy of my promissory note to open the account, Last bill and statement from XXXX XXXX, and the amount the debt was purchased for. 
A employee at AssetCare LLC told me that they will not give me this information, and they will report me to the credit bureau. 
I feel as if my identity has been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reportin gAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation