BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1. I sent in supporting information to reflect an account as paid in full 2. The reporting agency keeps ignoring my request to have my account updated 3. I mailed out the attached letter of satisfaction to the following reporting agencies XXXX / Experian and XXXX XXXX and never received a response in over 4 years from either. 
4. XXXXI XXXX XXXX XXXX Experian/ XXXX XXXX 5 . To many names to remember over the past 4 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 explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Incorrect information reporting.

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 2022-06-13
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call today from Allied collection agency. The person did not identify himself as he was calling from a collection agency. He asked if he was speaking to XXXX XXXX and I said yes then he asked if I could verify my birthdate and when I told him if this was from a collection agency I wasnt going to give any information because I do not owe the debt. XXXX XXXX  is charging me for a treatment my son did not complete at their office, why should I pay if they banned me and terminated treatment. I told them i am not going to pay for a service we did not receive. He wanted to help me but wanted me to verify an address I no longer live at. When I refused he hung up. This account was sent to collection by XXXX XXXX. I have called XXXX XXXX  at least 5 times to straighten the problem but no one has ever helped. Im the last phone call made was on XX/XX/22 at XXXX : XXXX XXXX, I spoke to XXXX and she said she would sent the account for an audit and would send a final bill. Up until this day I have not received anything from XXXX XXXX The only thing I received was a message from XXXX XXXX that the account was in collections and today the phone call from Allied.

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 2022-06-13
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Discover credit card near the end of XXXX of this year, 2022 and was sent a denial dated XX/XX/2022 ( violations of 15 USC 1611 and 15 USC 1691 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account with XXXX XXXX came back verified but how is that possible when the status does not match all three credit bureaus. The status updated dates do not match. The last payment date and date of first delinquency also do not match. This is grounds for removal. 

My rights were also violated. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. I gave no such instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account with XXXX XXXX came back verified but how is that possible when the status does not match all three credit bureaus. The status updated dates do not match. The last payment date and date of first delinquency also do not match. This is grounds for removal. 

My rights were also violated. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. I gave no such 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 2017-10-06
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted an earlier complaint. Compaint XXXX which has been closed. I thought that the CFPB was created to make sure that banks, lenders are treating people fairly??? I do not understand how banks can get away with such fraudulent practices. This is a UNITED STATES VETERAN with PRIVATE CONVENTIONAL LOAN. They have misrepresented to the CFPB what is actually going on and you are just allowing these practices with no actual monitoring of their practices. So what does the CFPB actually do???? What are your guidelines when a seller is facing foreclosure and a loan is being serviced released??? Why are these regulations not being enforced? You do not enforce your regulations?? How is this making sure that banks are treating AMERICAN VETERANS FAIRLY????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I called GLA COLLECTION COMPANY, INC in order to dispute a collection fee that was reported on my credit score. Upon speaking with a representative, I was informed that the collection came from XXXX XXXX XXXXXXXX XXXX XXXX. I was provided with an account number to assist me in calling XXXX XXXX XXXXXXXX XXXX XXXX to find out where the bill came from. I revived verification from XXXX that I did not owe any money and that they had not sent me to collections. They Instructed me to call back and ask for an itemized list from the company. I called the company to ask for an itemized bill and they stated that I was past the point of receiving and itemized bill as the debt had been in collection for over 6 months. I indicated that I never received any correspondence about this bill, nor phone calls. The company is asking that I pay the full amount to remove the collection from my credit score without providing me a written statement as to where the bill came from. Please investigate this company as I believe this is a fraudulent case of extortion through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX XXXX has reported the same account twice on my credit report. 

XXXX XXXX added the second account with the same account number a year after the account was closed. 

I have uploaded a copy of my TransUnion Report showing the same account listed twice. I have also uploaded the letter I have sent to XXXX XXXX. 

I have called XXXX XXXX to explain the situation many times since this error was reported. I was only able to reach someone twice by phone. Both times I was spoken to rudely with aggression from 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 2022-06-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case NATIONAL CREDIT SYSTEM is attempting to collect as XXXX XXXXXXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act Professional/ Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, The general Insurance, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Effective XX/XX/XXXX our home mortgage was transferred to Mr. Cooper. 
In a letter from Mr. Cooper, dated XX/XX/XXXX, we were told ( 1st paragraph ) dont worry, the terms of your loan stay exactly the same. The letter lists mortgage terms as follows : a ) Current Interest Rate@ 4.25 % b ) Current monthly payment @ {$2200.00} c ) Payment due date @ XXXX of each month A following letter, dated XX/XX/XXXX confirmed a servicing transfer and again in the first paragraph stated, Nothing else about your mortgage loan will change. 
In XXXX of XXXX, we were granted a Tax Deferral Affidavit by the state of Texas XXXX county of XXXX for over 65 or XXXX homeowners. We are now XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX. 

The first letter we received regarding our taxes from Mr. Cooper was XX/XX/XXXX. It totally disregarded our tax deferral and demanded payment of {$18000.00}. We sent a copy of our tax deferral affidavit. 

Another letter followed on XX/XX/XXXX demanding proof of payment for taxes for XXXX through XXXX in amount of {$6900.00}. The next letter from Mr. Cooper demanded payment of {$18000.00} for years XXXX through XXXX. 

In XXXX of XXXX we continued to receive letters, last one showing a total of {$35000.00} owed Mr. Cooper with a demand letter to pay the entire amount or monthly payments of {$5600.00}. 

We can not afford to make this high payment! 

In conclusion, we are retired, on limited income. Both of us are physically unable to hold a job. Again, we are XXXX and XXXX XXXX XXXX. We are suffering mentally and physically from the pressure being put upon us from Mr. Cooper. The state of Texas granted us a Tax Deferral. Does Mr. Cooper not have respect for the laws of the state of Texas? It is obvious that this company ( Mr. Cooper ) has no respect for XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Around XX/XX/2008, I contacted Navient to be a part of the Public Service Loan Forgiveness since I work for a non-for-profit. Navient informed me that I was approved through them and to keep making payments and filing for Income Based Payments each year, which I did. Towards the end of my 10 years of payments, I filed the form to see how many more payments I had left and was told that I had none that qualified under the program because I never consolidated my loan, even Navient informed me that I did not need to file any other forms or do anything. I have proof of all payments made for the last 10 years and would like those payments to be counted towards the Public Service Loan Forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Personal information incorrect

Complaint:
I want to report, errors, fraudulent, incorrect accounts, unauthorized inquiries, miss spelled, personal information, address that's are in my credit reports ...... 
I have more than ninety-eight unauthorized inquiries twenty six different names in my credit report, I contacted Experian, XXXX, and XXXX FOR THE FRADULENT INFORMATION I HAVE IN MY CREDIT THE DONT WANT TO HELP ME. 
I need hep to get those incorrect information 's and account of my credit please.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: NJ
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:
I did not consent to nor did I authorize the below information to be reported on a consumer report about me : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. These inquiries were Not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX. 

Your company do not have my written instructions to furnish a report on me. Correct this issue by deleting the about accounts and inquiries or else I will file suit in the United States District Court.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters to BOTH credit bureaus- XXXX XXXX XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH CREDIT BUREAUS. This account is also in VIOLATION of XXXX XXXX Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION SUCH AS : XXXX Verified '', ''CLOSED DATE '', and MANY OTHERS. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account in the comment section. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2017-09-13
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax security breach, it is advised that consumer 's put freezes on their accounts with all XXXX credit reporting agencies, yet it is only Free due to the breach on Equifax. Other agencies charge {$10.00}. I feel that since Equifax is responsible, they should pay these fees for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-06-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Per the contract I and XXXX signed, the loan was to be discharged due to the school closing and the owners of the school accepting me as a student while knowing they were going to close the school. Navient/Sallie Mae have never returned our phone calls in over 14 years. There has also been a recent settlement that our loan qualifies to be discharged under and we still get calls from various collectors saying we owe when we dont. We require the information to be updated accordingly to reflect the loan has been cancelled and the proper agencies notified. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX, I got the American Express XXXX XXXX credit card during a period when they were offering XXXX points after spending at least {$3000.00} in the first 3 months. 

XX/XX/XXXX, I met the minimum spend of {$3000.00}, less than 2 months after account opening. 

XXXX, I still had not received the points so I chatted online with a customer service representative who told me the points would post 6-8 weeks after meeting the minimum spend. At this point it had only been 7 weeks, so I waited a little longer. 

XX/XX/XXXX, still no points. So I chatted online and the representative told me the points should be there in 7-10 days but I might have more luck if I call the number on my card. So I did that. But this representative told me the same thing, 7-10 days. So I waited. 

On XX/XX/XXXX, still no points so I chat online and the customer service representative told me I had already received the points. After some 20 minutes of argument I realized that he was talking about a XXXX point referral bonus I was awarded for referring my boyfriend ( despite confirming at the beginning of the conversation, I see youre inquiring about the sign-up bonus ). So I give up on this guy and call on the phone. The phone representative apologizes profusely, tells me the problem has been escalated, it should be resolved in 24-48 hours and a supervisor will call me to let me know. 

XX/XX/XXXX I receive a voicemail from a supervisor named XXXX telling me that the problem has been resolved and if I have any questions I can call him at his extension. 

XX/XX/XXXX I look at my account, still no points. So I call up and tell the representative that I want to speak to XXXX. He tells me XXXX is not there but another supervisor will call me back in 24 hours.

XX/XX/XXXX 24 hours later and still no call, so I call them. The rep I speak to tries to argue with me that for some  reason Im not actually entitled to the points so I ask to speak to a supervisor. That supervisor tells me that Ill get the points by XX/XX/XXXX. This time I push very hard and explain what Ive already been through, that I dont really believe her because Ive been told such things many times now, and isnt there some way to just credit the points to the account now? No, I have to wait until XX/XX/XXXX and the points will be there. 

XX/XX/XXXX Still no points. So I call them up again. A representative named XXXX tells me there is a technical error and she does not know when Ill get the points. She can not give me a date. I 'm now wondering if I will EVER get these points, and I feel bad for those folks who literally do n't have the time to go through all this frustration and are forced to just accept that American Express has screwed them out of about {$600.00} worth of points.

Company response to consumer: Closed with explanation