BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am one of many young Americans who are in great school debt. I can not get ahead in life due to my debt. My payments are too high, I even went to a state school. Navient will not and never has offered an income based repayment plan. My federal government loan through XXXX has, but it is my smallest loan. My credit is ruined, I can not afford a new car for my XXXX son to ride safely in. On top of this all I am harassed daily by Navient. I made it clear I can not afford what they want from me while trying to pay for necessities to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX  has been reporting my mortgage payments on my ex-husbands credit report and not reporting on mine at all. We were divorced in XXXX. The house belongs to me. He has never paid the mortgage. I filed XXXX  XXXX bankruptcy in XXXX and finished in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Focus Holding Company
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from FOCU S RECEIVABLES MANAGEMENT  #  XXXX . I had previously disputed this account. I have never done business with  XXXX   XXXX   XXXX   XXXX . Pursuant to the Fair Debt Collection Practice s Act ( FDCPA ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request thatFOCUS RECEIVABLES MANAGEMENTProvide verification of the following :  1.  ) The original Application or contract, OR Contract Agreement between FOC US RECEIVABLES MANAGEMENT a nd  XXXX   XXXX  and  XXXX   XXXX   XXXX .    2.  ) Any and all statements allegedly related to this debt  3. ) A ny and all signed receip ts 4. )  Any and all canceled checks  5.  ) Original date of default and collection activity begi n 6. ).  Whether you purchased the debt, and if so, the amount paid for the de bt 7. ) The date ( s ) the debt allegedly accrued 8. ) An item ization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FOCUS RECEIVABLES MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Daring back from to 2020 Transunion has been fraudulently reporting and alleged bankruptcy to my consumer report. Upon noticing the change to my consumer report, I immediately contacted US Bankruptcy Court of XXXX XXXX  and asked them if it was in their policy to furnish information to credit reporting agencies. They returned a letter back to me and notified me that it was not in the policy to report any information to any credit reporting agencies. I then contacted Transunion and was told that XXXX XXXX was furnishing this fraudulent and inaccurate alleged bankruptcy. XXXX XXXX denied ever reporting this information and sent me a letter notifying me that they had attempted to contact the three major credit reporting agencies ; Transunion, XXXX and XXXX and requested that the information that was being furnished to my consumer report be removed. Since then Transunion has willfully and knowingly been furnishing this fraudulent and illegal bankruptcy to my consumer report however this time they informed me that they were getting their information from a company called LCI. I have since contacted LCI and informed them that they were violating my federally protected consumer rights pursuant to 15 USC 1681a ( 4 ) and my right to privacy. I have also notified them that I have been been in contact with bankruptcy court and they have notified me that they do not furnish any consumer information to ANY CONSUMER REPORTING AGENCIES. I also informed them that I have been disputing this alleged bankruptcy since 2020 and have consistently demanded that this fraudulent public record be removed from my consumer report pursuant to 15 USC 1681s-2 and it is still being furnished to my consumer reporting and has caused me XXXX, financial hardship and distress. In addition to this pain and suffering I have experienced I notified LCI that they are willfully and knowing engaging in violating my federally protected consumer rights and a representative informed me that they could not do anything other than pass my request along and wait for someone to get back to me. I have not heard back from ANYONE in reference to my request!

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 2022-08-05
Company: TD BANK US HOLDING COMPANY
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:
This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2017-08-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a chase credit card Account that has been closed for years. I still am making payments but because of the fees and interest this account is still not paid off, they call repeatedly when my payment is late and are unwilling to work with me on payment arrangements. In the past 5 years I have had XXXX, had a XXXX XXXX XXXX, issues with medical problems sustained during my service in the XXXX, XXXX of a XXXX XXXX, and now XXXX which have affected my ability to work and have resulted in me having to take leave without pay. I just want to settle this account so I do n't have to deal with this companies harassment. I must have paid thousands of dollars in fees and interest and it is causing great strain on me and affecting my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Nelnet, Inc.
State: WI
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 have applied for PSLF ; however, despite me working at a non-profit, because I was in XXXX  XXXX bankruptcy, I can't get approximately XXXX YEARS of my COVID covered forgiveness. Everyone else has been able to, even defaulted accounts! I was paying on my student loans for the 5 years I was in bankruptcy status and that does NOT count either. Does it make sense that : 1. People who defaulted are allowed a clean slate/forgiveness but those in XXXX. XXXX bankruptcy and PAYING on their loans do not? 2. There is no compromise on it? 
What do you think would be a fair outcome to your issue? What would help : Have those months count - it was technically COVID - everyone received PSLF EXCEPT those in XXXX. XXXX bankruptcy. I paid on these loans in good faith for 5 YEARS. These need to count towards that PSLF time- as noted, especially during COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions 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:
The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} credit collection service XXXX XXXX {$1700.00} XXXX  {$700.00} XXXX data breach settlement : all part of that

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 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID, Proof of address and police 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated 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 a account 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 non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: MI
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:
congress made it clear what they have to do...

15USC 1681a Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15USC 1681b 2 ) In accordance with the written instructions of the consumer to whom it relates.

they violated these actions of the United States Code, they furnished false and inaccurate information and I never gave them permissible permission or consent to furnish my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: OneMain Finance Corporation
State: PA
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:
Hello, Ive contact XXXX about 10 times to have these injuries removed and for some reason they haven't, not there is a new injuries on my account not understanding why they will allow if I and fraud alert on my account. please remove these injuries off my report XXXX XXXX ONEMAIN XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed an account from XXXX XXXX XXXX saying it should be deleted .... the reporting agency updated account as oppose to deletion

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 2017-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted Equifax by phone regarding my credit report im unable to get my report or score from XXXX XXXX or any other credit monitoring service. This is not the first time and its just an on going issue with my equifax credit report. They have fixed it before and it has happened again where all my credit accounts have vanished from my report. Its impacting my lifestyle and my credit worthiness to creditors. Every time I have contacted them they tell me all is fine on their end and I do have an actual file with them how ever nothing is reporting when I pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions 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:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts 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 manner as soon as possible. Thank you.

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 2022-08-16
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: Account information incorrect

Complaint:
The mortgage account with XXXX XXXX was PAID IN FULL on XX/XX/2022. Equifax and/or XXXX XXXX continue to report FRAUDULENT information. XXXX XXXX continues to report an open account with a $ XXXX balance and 90 days late. Equifax REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT EQUIFAX and XXXXXXXX XXXX  do the same!!! Equifax is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from XXXXXXXX XXXX has previously been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Commenity bank has been inaccurately reporting information on my credit report. They listed several accounts twice on my report and placed them as charge off even though I stated they were not m accounts. I constantly ask them for proof and they can not submit accurate proof these are my accounts. I have disputed them numerous times with no response. Only two accounts were actually my accounts. One account was for XXXX and XXXX which has been paid over 2 years ago. I have been fighting with them for two years to have it reflect in good standing. That account was in good standing and was paid in full. The next account was for XXXX. I paid this in full and they still show it negatively on my report. Multiple letters have been sent to commenity to resolve this over the past two years and nothing has been done. My next steps are to seek legal counsel if these items are not removed immediately. Anytime I see a company uses Commenity bank, I deny their card. i refuse to do business with these people. They sell your information and illegally pad your credit report with false information. They even went as far to involve XXXX credit, who has harassed me and threatened to take my home and my car. They call 20 times a day. I have phone bills showing this. They threatened to garnish wages even though i told them the accounts were not mine and they sent me a picture of a bill saying that it was. i told them a bill does not show proof an account is mine. My signature was nowhere on the bill or their paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never got notification of a debt at all. Never given an opportunity to pay, all calls to the company go unanswered. No way to pay supposed debt or verify debt. Only found out it was owed because it showed up on a credit report as collections. I have stellar credit and history with all companies Ive ever been involved with. Im beyond upset about this turn of events and want the entire thing cleared up. If its a debt? Give me a way to pay for it! Its been a few weeks of attempts to clear up with no communication from this company. Should have been given not only notice of debt but a fair amount of time to pay it before any action was taken that resulted in marks on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter finance has continued to refuse to provide me with copies of my billing statements for the XXXX XXXX XXXX my mother and I are financing through them. They provided one copy of one statement per my last complaint against them but have still refused to mail me my actual billing statement. My mother and I have different addresses and I am not getting anything from Exeter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Peer Advisors, LLC
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I have a huge complaint with Celink. My mother had a reverse mortgage with them, she passed away and I am the administrator on her estate. This company refuses to give me a payoff on the account so we can close on it. We have had the house under contract since mid XX/XX/XXXX. First there was tornado damage that the insurance company sent the money to the mortgage company and I had a really hard time getting those funds to pay for the repairs. I finally got the final payout on it to pay the contractor off XX/XX/XXXX, the tornado was XX/XX/XXXX. So now we are finally set to close but they won't send the payoff statement to the closing attorney. I have no idea what to do. We have worked so hard to get to the place to finally close now this. The attorney as well as myself have been calling trying to get a payoff statement but they keep saying 7-10 business days. We need this ASAP. Since we are supposed to close XX/XX/XXXX. Please help!

Company response to consumer: Closed with explanation