BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: CA
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 XXXX has listed debt as deliquent and charged off. The same debt appears on my credit report under another company, XXXX XXXX. These duplicative entries on my credit report are illegal and should be removed. The debt has also been re-aged as another date than XXXX XXXX XXXX. See attached screenshots my credit report from Experian.

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 2017-08-29
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
OnXX/XX/XXXX from XX/XX/XXXX someone stole my card and was using it without my knowledge. This card was supposed to be my savings card that I was only putting money on which is why it took me a while to discover it. I have never gave anyone my pin or let them use my card. I went to check my balance one day and noticed I only had XXXX XXXX dollars when I should of had XXXX. Union Bank did and supposed investigation and came to the conclusion all the charges were valid. Since then my account have been overdrawn because of all the charges I did not do. I insisted that in their investigation they get the cameras reviewed and I would press charges on anyone who did because no one was authorized to use my card. They are basically calling me a liar and have given me no choice to esculate the situation.

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 2017-04-17
Company: Medical Society Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I happened to check my FICO score tonight and noticed it plummeted, then I proceed to order my credit report. To my surprise, I have a medical debt, in which it took some digging before I realized I have missed a bill. Apparenly, what I paid to XXXX hospital is separate from the Physician bill, in which the XXXX has made a poor effort of communication to me regarding the separate charges since XX/XX/2016. And the Bureau of Medical Economic has made a poor attempt in collecting from me, I have yet to receive the bill, I do n't even know the account number of which I owe. The bill is only {$340.00}, I would have pay it if I would have been notified of the separate charges or notified of the late payment. This form of poor communication will affect my credit and future in a negative way. My fiance and I have been working to build a home/house, and now with the downturn of my credit score, I m not sure what my future holds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: KS
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:
I was looking into my XXXX XXXX  Account and noticed An unauthorized hard inquiry on my credit report from XXXX XXXX XXXX XXXX. Dated XX/XX/2022. I knew I had never asked for any credit with XXXX  and had heard of XXXX XXXX XXXX. The hard inquiry only showed on the Equifax Credit report. I Immediately called them and filed a credit dispute. 
They sent me a email document showing my credit history and on page 13 of 16 appears the unauthorized credit inquiry. I called Equifax and had them freeze my credit information. The called XXXX XXXX XXXX who put me intouch with XXXX 's credit card fraud division. Who researched the fraudulent application and stopped the release of the XXXX credit card. 
XXXX is sending some sort of paperwork they want me to fill out and return but I will have to see what it entails. I have since frozen my credit reports with XXXX and XXXX also

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX XXXX XXXX. After having XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX XXXX XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for XXXX medical services. My excellent ( check the history ) credit status should be restored immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a loan through Navient. I'm eligible for Public Service Loan Forgiveness, yet it has been impossible to get clear instructions and help from them to apply before the XXXX deadline. 

I was on the phone with them yesterday for XXXX minutes. The rep finally told me she would send an email with a letter with all of the steps I needed to take. 

An email from Navient arrived hours later and had NO such information. 

Clearly, it's way too trusting and optimistic to think that a Loan Provider will want to help loanees to cancel part of their loan. Why was PLSF designed this way? Navient has every incentive NOT to help students, not to help them.

I need help, Navient is the WORST lender, this is a dysfunctional process, and I'm running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: AES/PHEAA
State: SC
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 contacted FedLoans on XX/XX/XXXX. I told them I was making extra payments of {$100.00} each month and I wanted those payments to be applied to principal only. They told me on XX/XX/XXXX. that the payments were being received but would not go towards principal only. I have made all my regular payments on time and have never missed a payment. I have also requested to see the contract that was signed for the loan and they told me to contact the school. I shouldn't have to contact the school for a loan being serviced by them. I contacted them again on XX/XX/XXXX and asked to see the prepayment clause. I got an email saying thank you for contacting us. On XX/XX/XXXX I received an email saying they didn't understand my request to see the prepayment clause in the contract, so I emailed them again to explain what I was looking for and why. I haven't gotten a response back from them yet. I've also noticed that it seems like my balance keeps rising instead of decreasing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
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:
I sent the bureaus a letter on XX/XX/2021 ( more than 30days ago ) stating that the account listed on my report was inaccurate. I sent a letter confirming that as well from the creditor. 

1. The following account is not mine XXXX XXXX XXXX. XXXX Account Number : 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 2023-03-13
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get the PMI on my mortgage removed. Loancare is not allowing me to speak with anyone associated with the PMI department at my lender, XXXX XXXX. I want to remove a deduction on my mortgage of XXXX Mortgage XXXX ( PMI ). My home has increased in value from {$150000.00} to {$200000.00}. This is information I have gotten from local real estate agents. 

I have to pay for a new appraisal to get PMI removed. The bank will not allow me to talk to the PMI department so I can ask some questions before I invest in a new appraisel for {$350.00}. An " out of area '' appraisal will not know that locally, a home at this price is sought after and has actually risen to {$200000.00} and higher, qualifying my home to stop PMI. I am XXXX XXXX XXXX, living on social security, and the extra {$45.00} is hard on our budget. I want to know why I can not talk to PMI department at my lender. Here is my information : Loan # XXXX, Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX keeps stating that the account is valid and belongs to me despite the submission of the FTC Identity report and request of documents validating that I signed up for the account. They have failed to provide me with documents I requested.

All they do is sent a copy of a statement bill and the credit bureaus sides with them and claim the debt is valid.

I'm requesting the documents listed below be shared with me. I want to know how have they been validating the accuracy of the account. I've never owned this account.

Im exercising my rights under the Fair Credit Reporting Act, Section 609 and demand to see the following pieces of information : Original consumer contract with my written signature on it Pay off Disclosure Interest Rate Disclosure Payment History Statement Balance History Statement Credit Insurance Please let me know if you need any additional information. 

Thank you, 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 2020-02-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.

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 2017-04-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reached out to Experian about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Experian yet again and was told to file a complaint here. 
This is the list of inquiries that Experian refuses to remove that I did n't authorize. 
XXXX Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.

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 2022-08-30
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened the account on XXXX. I contacted company on XXXX and was unable to track information on account, then spoke to manager who gave another number who could help with online accounts. I was given phone number XXXX to get more info on a weekday. I spoke to someone today who told me the account was closed due to negative balance. I've never withdrawn anything from the account, but they advertise XXXX XXXX  as No monthly maintenance charge and No monthly minimum balance requirement. I was never contacted on any changes, and all contact information is up to date.

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 2022-08-30
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: Information belongs to someone else

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it.

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 2017-08-29
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Name : XXXX XXXX Bank this complaint is againsgt : XXXX & XXXX ( Branch Banking & Trust Company ) Account Info : ( Bank : XXXX ; Branch XXXX ; Customer : XXXX ; Loan : XXXX ) Property/My Address : XXXX XXXX XXXX, XXXX, VA XXXX ) I paid off a 2nd loan ( HELOC ) on my home in 2011 to BB & T ( Branch Banking & Trust Company ). To this day they have n't release the lien on it. I am attaching a letter of satisfaction of the loan upon payment, sent to me by a law firm representing BB & T for your reference. 

I am not being abler to refinance my mortgage to lower my debt as a result of this undue lien on my property. 

I would really appreciate your help and effort in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting on my credit report that I 'm deliqute when I 'm not that added more m onwy on to my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
See attached letters, after describing the above it went blank. Dates amounts companies are documented on files attached

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 2022-08-30
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Good Morning : To Whom It May Concern I notified Experian to dispute some things on my credit report. I could not even speak to a representative but a recording machine which is unacceptable I am disputing my name which is XXXX XXXX Experian has me written as known as XXXX XXXX nor XXXX XXXX XXXX this is not my name a wrong spelling and they listing me as XXXX XXXX also known as I go by XXXX XXXX that is my maiden name XXXX was my married name I am divorced and by court order. I can use my name XXXX Experian also has my old addresses listed I do not live at XXXX XXXX XXXX XXXX. 
New York XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX I already disputed my addresses online with Experian. Experian needs to do better customer service and help customers not hide behind a recording it is unfair and unjust ice. 
Customes need fairness and equity thank you. My name is XXXX XXXX and address is XXXX XXXX XXXX XXXX New York XXXX # XXXX and also XXXX has me listed on an inquiry and I have no credit card with them on my XXXX and XXXX account. 
Thank you for your assistance.

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: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was in good standing until it was sold in XXXX last year to Freedom Mortgage. I was not notified of the sale, and had to spend most of the month trying to arrange a payment..so I started off behind. There was no grace period. 
As I began making payments, Freedom started reporting payment " reversals '' on my account. They charged a fee each time, and said the payments were reversed by XXXX   XXXX XXXX. However, my XXXX  XXXX XXXX account shows no reversals, and I was not charged a fee by them. Nor were the funds returned to my account. In XXXX, I made two payments to catch up for the missed XXXX payment. But Freedom only gave me credit for one of those payments, they list the other as a reversal.Between late charges and reversal fees, they now show my account as delinquent, and even though they do not report my on-time payments or my even having a mortgage to the credit agencies for my benefit, they reported the delinquency and my score dropped over 100 points.

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 2020-02-19
Company: ID Analytics, 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:
We applied for a car loan and were turned down because the auto dealer requested information from SageStream. We were told that we had a very high score XXXX XXXX XXXX from SageStream which was unusual, but that there was questionable information on our account : From the 3 major Credit Reporting agencies we have scores in the 800s! 

" Length of residence too short '' ( We have lived in our house for 28 years! ) " Not enough bankcard dept experience '' ( We have the highest rating on all our credit cards ) " Limited history for consumer at this phone '' ( We have had the same phone # since 1992, what # do they mean? '' " Time since most recent revolving account established '' ( What ... credit cards with zero late payments over years and years don't matter? ) I have read numerous complaints about this company and I would like to know why they can not be shut down!! Just go on line and read the angry comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
Ally Financial incorrectly reportedmy account as being 30 days late for about 5 months. Before the incorrect reporting, I contacted Ally and was placed on an agreement plan that the account would not be reported late as i needed to change the due date temporarily. I noticed tbis year of the incorrect report and contacted XXXX 5 times and XXXX  filed the dispute on my behalf to Ally. Ally has incorrectly changed my report 5 times after every dispute with XXXX. They keep changing something with every dispute. They have been given more than enough times to correct my report but yet they have not. They are abusing their authority and should only be given 1 chance to correct a report. However, witb every dispute they seem to make another " mistake '' and make yet another incorrect change.

Company response to consumer: Closed with explanation