BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
School : XXXX XXXX University - XXXX GANavient is refusing to reverse late fees they charged on my account when they erroneously reported me as delinquent despite me faxing/emailing my school enrollment confirmation. However, they reversed the delinquent charges but refuse to reverse late payments fees. I have always been in graduate school and have never withdrawn or taken a break and Navient have the documentation to support this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-07
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 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 an account on my credit report named XXXX XXXX XXXX  and for more than six months allready Im disputing this account on XXXX, Transunion and XXXX. I am requesting true these three agencies that XXXX XXXX XXXX provide Signed contract or agreement between me and them, also I requesting documents that shows that XXXX XXXX XXXX  had any right or my consent to sell this account to another company ( in this case to XXXX XXXX XXXX ) and provide them all my confidential information as Social Security Number, name, birthday, adress etc etc. TILL THE MOMENT TRANSUNION, XXXX  AND XXXX  HAS NOT PROVIDE ME WITH ANY VALID DOCUMENT OF MY REQUEST AND CLAIMS THAT THIS ACCOUNT MEET THE FDCPA RULES

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 2017-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian Deleted  XXXX   XXXX  from my report other than reporting all payments made on time. Experian refused to put in righting why it was deleted. I talked to multiple representatives and was treated with disrespect. I asked for management staff and was given a number of someone and left message and di not get a returned call. I do not remember who it has been a while. I had to take a break from this as it has been to much   XXXX   trying to deal with a system that is geared towards protecting companies other than consumers. More so if you fall into l ow credit score. I ha ve never had to deal with this and now see how our current is geared toward keeping low score people enslaved and abused. I have a  XXXX  I have made it clear to EVERYONE and it falls on deaf hears. I feel as if everyone would rather I follow through with my   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 explanation
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.

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 2015-09-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The below complaint/request was attempted to be sent to Experian through website and was rejected. It is impossible to get an Experian human being on line. Ihave tried twice without success. On the second occasion I used two prompts suggested by a CFPB telephone representative. A second rep indicated that this failure could be the subject of a complaint. Here is that comlaint. 
1.In a letter dated XXXX/XXXX/15 from XXXX Bank XXXX it was stated that a credit card for XXXX was denied based upon information provided by Experian. The fact is that I did not apply for the card. I have been the victim of Identity Fraud. According to both XXXX and XXXX you have been alerted to my situation and are monitoring my credit. In the letter it is stated that you wrote that your records have me listed as having " Deceased ''. Do your records reflect that I am deceased? Did you provide XXXX Bank a statement in connection with the XXXX application or to anyone else a statement that I am deceased? Do your records reflect that I am deceased? 
I ask for answers to these questions. 
I ask for a copy of my credit report on your files. 
Are you aware that you are to have a Fraud Alert on my file? 
Of the XXXX main credit services notified at the request of XXXX you stand alone in not advising me that you have undertaken that assignment. Why is that? 
Why is it impossible to reach a live person in your employ?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2015 I received a call from a blocked phone number that said I needed to call XXXX regarding legal papers they needed to serve. I called that number, they did not identify themselves, did not state was for a debt collection and gave vague information regarding a debt I owed. When I asked further they gave me a non existent account number and customer service phone number for XXXX XXXX. I called XXXX XXXX and they had nothing on file for that account. I called back to the XXXX number to get further info and was told I could pay {$400.00} of the total of {$600.00} to make it all go away. I said no and I needed proof of the debt in writing. They said they would mail it out, never did. I sent a certified demand letter which came back to me today as undeliverable. The company is XXXX XXXX XXXX XXXX who is also now on my credit report, that is the address I used to mail the demand letter. I have not heard anything further from them to date. I do not have an outstanding bill and will not pay anything on an account that does not exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, I was XXXX in 2010 from car accident, I was on XXXX until a few months ago. Now I 'm on XXXX. I 'm trying to find housing for the XXXX but I am having a problem with XXXX paying bills slowly. I ended up getting a few bills in collections from them. I called and spoke with the agencyies most took there stuff off my report quickly. I am having a problem with one agency that continues to cause problems. They have report on all my credit reports some even a couple of times on the same report. I need help dealing with these folks. they are unfair and uncooperative. Name of the company is XXXX XXXX XXXX XXXX HI, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened checking account with US Bank and bank without my knowledge opened a line of credit. I did n't want it and they refused to close it. After my complaints they closed my checking account.

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 2015-09-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got my credit checked when I was trying to buy a house and the report came back showing some accounts that I originaly thought was identity theaft. After calling a few accounts they told me its my social but not my name on them and a few of them said is not my name and the social was a digit off. I got a police report and they did a quick investigation and concluted that there was a glitch and after looking at the accounts it looks like its coming from the experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 I disputed XXXX XXXX and requested validation of the account via certified mail ( XXXX ). 
On XXXX XXXX, 2016, I received a letter stating XXXX XXXX could not locate my file and I needed to provide the full account number and social security number. 
Clearly, if XXXX XXXX is reporting this information the the credit bureaus, they should be able to validate the account. I have enclosed a copy of the signed letter with my full name along with my address. It has been over 30 days and XXXX XXXX still has not validated this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$64000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$60000.00}. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2016-03-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On are around XXXX/XXXX/XXXX I filed a dispute with Experian Credit Agency ( ( Exhibit XXXX ) that were mail by certified mail ( Exhibit XXXX ). On or around XXXX/XXXX/XXXX I received a some what intimidating letter from Experian ( Exhibit XXXX ) that did n't address the dispute so I did n't response by phone or letter. On or around XXXX XXXX, XXXX I send another letter certified to Experian ( Exhibit XXXX ) informing them what the FCRA say about what suppose to happen if they did n't complete the dispute process in 30 days ( Exhibit XXXX ). As of this 21 day of XXXX XXXX all I received about my dispute from Experian Is a threating letter. I will mail all supporting documents

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 2020-03-07
Company: EQUIFAX, INC.
State: OH
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 am having issues with unrecognized addresses on my credit report I need removed. 
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mr Cooper sold my mortgage loan to XXXX. In doing so Mr Cooper did not transfer the full amount I had paid to them for the loan, hence, according to AmeriHome I am at risk of default because I have not paid mortgage fees due XX/XX/2020. I paid those to Mr Cooper on XX/XX/2020, which I can prove using my bank statements and Mr Cooper website statements. The amount paid was {$3600.00} paid on XX/XX/2020. This amount covered the full payment for the month of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: American First Finance, Inc.
State: WI
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:
Upon reviewing my credit report recently, I noticed an error in regards to American First Finance. It is being reported as derogatory and closed with a XXXX balance, despite this account being satisfied in full. I've sent letters that have been returned and sent emails. The creditor can't seem to find information regarding said account but refuses to delete said account from my credit reports. This is a violation of the FCRA, as only current and accurate information is to be reported. Furthermore, if an account has been satisfied in full then it is illegal to report as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing the following hard inquiries on all my credit reports to include XXXX experian and XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX IXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI did voluntarily submit my info to XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX, XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a veteran of this countryand would like to see these stricken from my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX 1. Credit Acceptance has NOT sent me my lien release for my old car XXXX XXXX XXXX XXXX since XX/XX/XXXX when Credit Acceptance received final payoff of loan on XX/XX/XXXX of {$6300.00}. 
2. Credit Acceptance has recorded on all of my 3 credit bureaus ( XXXX , XXXX and XXXX my loan as CLOSED. My loan is PAID IN FULL. FCRA violations. Credit Acceptance by law is to contact all 3 credit bureaus mentioned above -- as paid in full-zero balance.

3. Credit Acceptance has NOT recorded the month of XXXX XX/XX/XXXX payment for XXXX full payment on all 3 credit bureaus.

4. Credit Acceptance has NOT sent me my credits on my old loan. {$15.00} ( see attached ).

5. Payoff for my loan was {$6200.00} per right XXXX and on my finance papers. 
6. XXXX XXXX sent Credit Acceptance too much, {$6300.00}. {$110.00} difference due to me. 
7. Credit Acceptance stole my {$1600.00} down payment and added it to the cost of my old vehicle-see attached. Auto Dealer Fraud.

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 2020-03-07
Company: Experian Information Solutions Inc.
State: OH
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 am having issues with unrecognized addresses on my credit report I need removed. 
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or 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 non-monetary relief
Consumer complaint received 2022-07-12
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:
15 U.S.C 1681 section A. States I have right to privacy.

15 U.S.C 1681 Secrion 604 A Section2 : 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S.C 1681 section A. States I have right to privacy.

15 U.S.C 1681 Secrion 604 A Section2 : 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 explanation
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian and or the collection agencies are reaging my accounts. Several accounts were removed and then re added under another collection agency name-I asked Experian to validate my open collections accounts-they did verify but did not validate as requested

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 2022-03-16
Company: Experian Information Solutions Inc.
State: TX
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:
Why was my credit report accessed without my permission and based upon the attached, undated, and incomplete application when it clearly states incomplete applications will not be processed? Why doesn't Experian regulate their clients to ensure lawful access to a person 's private information? Why doesn't XXXX XXXX XXXX XXXX ( XXXX ) regulate their employees to lawfully have permissible permission before accessing a person 's private information? Why does Experian and XXXX continue to ignore their liability by ignoring my complaints and request? The forged and incomplete application was the first step to a fraudulent loan and both have failed their responsibility as a professional company. The companies lack proper management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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: Public record information inaccurate

Complaint:
After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new 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 explanation
Consumer complaint received 2016-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a vimtiam of identity theft and someone try opening account in my name XXXX XXXX, XXXX XXXX/XXXX/2016 and XXXX XXXX XXXX/XXXX/2016

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