BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: STATE EMPLOYEES CREDIT UNION
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 status incorrect

Complaint:
The date was XX/XX/2020. The loan amount was XXXX. That included XXXX for the purchase of the car and the remainder of the loan was for Gap Coverage Insurance sold to me by the Credit Union. The Title of the car was given to the loan officer for approval of the sale of car. I and the seller both signed the agreement and the loan officer retrieved the document. 
The Loan Officer is telling his superior associates he gave me the Title Document for delivery to the Department of Motor Vehicles office in the state of Georgia. I would never agree to that. I am not familiar with that process and would not be comfortable with that process. We are in a state of a worldwide pandemic. 
On XX/XX/2020, the car was stolen from the XXXX XXXX location awaiting consultation for repair. I had full coverage on the car with XXXX XXXX. XXXX XXXX is denying coverage because the Title was never transferred to my name. I never owned the car. 
That puts me in an uncompromising position because the Loan Officer failed to deliver the documents to the Department of Motor Vehicles office in the state of Georgia. Now I have no car and no coverage. I did everything that was required of me. I even elected to carry the extra Gap insurance. There was nothing left for me to do further. 
The credit Union is holding me responsible for their error by continuing to charge me for the automobile Loan plus interest.. They are reporting bad credit to the credit bureau and that is not lawful. Please help with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have requested validation and proof that I owe this debt on 4 different occassions. Each time, they send the same letter that says we received your request and they send the same 1 page ledger. I always reply certified mail, with the communication email chain I had with the office showing that I provided notice. I also have provided the lease of my new location to show that I moved long before the dates that they say I owe. 

I have provided all documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Kansas Counselors, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are credit reporting and attempting to collect a debt that was covered through my insurance plan.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I gathered the supporting document that trans union wanted to see. I had submitted with the a certified mail tracking number with returned receipt on XXXX XXXX XXXX this was last year. I have never heard back from trans union on investigating the obvious inaccurate and incomplete item entered on my trans union consumer report. not only is the credit limit inaccurate, the payment history for XX/XX/2022 is incomplete. the remark section was never marked as " consumer disputes this account '' Its been more than 60days and nothing. FCRA clearly says that everything on my consumer report must be 100 percent complete,100 % accurate and 100 % verifiable.. I have attached the document from XXXX XXXX XXXX XXXX XXXX XXXX that shows the correct credit limit of {$520.00} and the balance owed of {$210.00} 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-07-19
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  has committed multiple FCRA and FDCPA violations by reporting multiple alleged, invalidated debts in their system for my consumer report dated as of XX/XX/XXXX. I have sent documentation showing proof of these inaccurate accounts that they have listed along with proof of XXXX violations multiple times via regular mail and via electronically. XXXX has responded by blatantly lying when they responded via a notice to me via mail stating that they could not locate my consumer file in their database. 

This is not true as I have spoken to them via phone on multiple dates including XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on both calls, a XXXX representative was able to locate my consumer file in their database. XXXX also lied in their response to both of my previous CFPB complaints when they stated that their were filing disputes regarding the documentation that I submitted to them. They have completely ignored my requests to remove all of these inaccurate accounts and are ignoring my CFPB complaints for resolution as well. 

XXXX  was already in violation specifically of 15 USC 1681, 15 USC 1692, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information in their database with respect to them continuing to report the following accounts : The XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory / Collection / Charge-off XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory Chapter XXXX & XXXX Bankruptcy Public Records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts INQUIRYS : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2022-11-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone unknown hacked into my credit accounts with the XXXX Credit Bureaus, lifted the freezes I had in place, changed my username and passwords and email address so only they could access my accounts. They then stopped XXXX mail delivery to my address and set up a bogus XXXX XXXX XXXX account to control access to delivery information about my mail. 

They then tried to get a XXXX XXXX XXXX XXXX XXXX with my identity information and credit report information. 
I was able to get my credit reports frozen again with XXXX and XXXX after much work. But Experian was completely unresponsive and unhelpful. I could not even get access to live agents to explain my problem unless I pretended to be a XXXX XXXX from overseas ( Automated phone system will NOT give you a live agent. ) I am still not certain this unknown party can not still access my Experian Credit Account. 
I made reports to XXXX XXXX, to the XXXX XXXX XXXX MD police ( report # XXXX ) and the XXXX Inspectors ( reports # XXXX and 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 2020-07-31
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a certified letter to RS Clark and Associates for  debt validation. I did receive a response today which is XXXX XXXX. However, I mention to please reply within 30 days with proper documentation. I sent a debt Validation letter packet for the company to complete and to return with the proper documentation. The company responded within the time frame but they sent a copy of a collections write off report saying this is their validation and they are sure the information is accurate, therefore they deny any inaccuracy. I am very disappointed with what the company provided to me not only was the company not compliant to what i requested but they sent a copy of a report which proved nothing to me so I dont see how this was verified the report had little detailed information. i state in the validation letter packet that the company must return the completed form along with copies of all requested information, which establish their right to collect the alleged debt within 30 days from the date of the receipt of the letter. If not their claim can not and will not be considered if any portion of the form is not completed and returned. unfortunately RS Clark and Associates didn't provide anything but a copy of a collection write off report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CEASE AND DESIST COLLECTIONS AND ALL CALLS WE HAVE DEALT WITH XXXX OURSELFS AND RETURNED THE SNAP SHOT DEVICE ON XX/XX/2018.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Navient Solutions, LLC.
State: AR
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:
XXXX XXXX  issued an intensely high and very aggressive loan for a XXXX college- XXXX XXXX  XXXX college XXXX XX/XX/XXXX to myself. All portions of the loan were not discussed nor did I sign any type of promissory note. The loan application indicates they provide quarterly interest statements. 

In XXXX I began receiving calls from a loan company called Navient stating i had to pay back over XXXX dollars and my payments would only cover my interest. 

Upon further investigation I found that the loan that was dispersed to me personally was in fact a private loan that had been misrepresented to me by the school and XXXX XXXX. 

I have tried to work with the Navient company and they refuse to work with me in reducing this debt and also discussing why 10 years this loan was allowed to accumulate interest with no communication with the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 sec

tion 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-06
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:
Company has no consent to share credit information. Notice of privacy act violations. Company has misused line of credit, line of credit has been compromised and stolen update accounting and balance amount to certificate of deposit amount.

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 2022-11-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear XXXX XXXX : Thank you for contacting the U.S. Securities and Exchange Commission ( SEC ). 

Please note that mortgage and loan-related complaints generally do not fall within the SECs regulatory jurisdiction. The SEC regulates and enforces the federal laws that govern the sale and trading of stocks, bonds, mutual funds, and other securities. Our website, https : //www.sec.gov, explains what we do in greater detail. 

The Consumer Financial Protection Bureau ( CFPB ) is the government agency that deals with mortgage-related complaints, so we suggest that you contact the CFPB with your concerns. You may submit a complaint by completing the CFPBs consumer complaint form available on its website at https : //www.consumerfinance.gov. You may also contact the CFPB directly at the address and telephone number listed below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We hope this information is helpful. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Securities and Exchange Commission www.sec.gov www.investor.gov 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : MY QUESTION HAS TO DO WITH SECURITIZATION OF MY MORTGAGE WITH XXXX XXXX. AFTER SENDING MY MORTGAGE INFORMATION TO A WEB BLOG CALLED XXXX XXXX XXXX ; I WAS INFORMED THAT INDEED MY MORTGAGE WAS ONE OF THE THOUSANDS THAT THE COMPANY ILLEGALLY SECURITIZED. I DID/DO NOT HAVE THEIR FEE TO PROCEED. HOW CAN YOUR ADVOCATE HELP ME? 

... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2019 I received four calls from Conn 's homeplus I gave them XXXX dollars out of XXXX that I originally supposed to pay onXX/XX/2019 they called I told them that I was gon na try getting the rest which is XXXX they call four times that same day XX/XX/2019 they called four time   XX/XX/2019 they called four times XX/XX/2019 they called four times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-31
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank underwent a system upgrade which rendered its online site unusable for over XXXX months. I made a credit card payment through my bank 's online payment system. XXXX rejected the payment for unknown reasons, yet still charged me interest on the balance and a late fee. A phone XXXX helped me make the payment after that. XXXX removed the late fees, but have charged me around {$80.00} in interest after I made my payment on time but it was recorded as late because they rejected it. 

Emails to XXXX get canned responses saying the fees were calculated correctly. XXXX XXXX is there should be no late fees at all since I made a good faith effort to pay my balance in full before finance charges would be assessed, but a problem with their system prevented the payment from going through.

Company response to consumer: Closed with monetary relief