BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} 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 2017-03-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The credit reporting company Midland Credit is in violation of the Fair Credit Reporting Act by abusive collection practices, and obtaining validation of debt information. The conduct has been unethical, negligent and noncompliant. The company has not furnished accurate and complete information. sect. 609 ( FCRA ) Their harassment, oppression, abuse and conduct is prohibited by law and implied account was turned over to innocent purchases for value. The company harasses me several times a day with inaccurate findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX , XXXX is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've called every day for the last 4 days, and spoke with representatives and supervisors ( at least that 's how they identified themselves ) and I 've been told different and sometimes conflicting information each time. Each day the people I 've spoken with give me false information and interest accrues. That is not fair or legal. I 'm trying to settle my account. 

They say the settlement is being sent to their processing department, but when I call the next day to make sure it 's in process they say it was rejected for some different reason, even issues like an invalid email address which is a lie, we have communicated via email! 

They 're giving me the run around and each day charging me more and more money. I just want to pay them but they wo n't provide documentation of the settlement and keep charging me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TENET HEALTHCARE CORPORATION
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This medical bill of {$100.00} was paid to XXXX XXXX HOSPITAL and this company is ruining my credit with there false reports. It has already been a known fact that this company uses unethical and illegal business practices as a debt collector. Remove this account from my credit as it has been already paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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

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 2017-02-11
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Cancelled debt but failed to reconvey the lien.

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 2017-03-15
Company: JPMORGAN CHASE & CO.
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Today 's date : XX/XX/2017 I am a XXXX. I work overseas and return to the US, periodically. I am a customer of Chase bank ( XXXX CA XXXX ) branch. I had XXXX credit cards with Chase bank. for with XXXX Balances. Decided to purchase an airline ticket on one card, I did and left on my trip. While XXXX, I made {$50.00} monthly payments via Chase online. My Chase online account was seemingly ( not linked ) to my credit cards. The cards were never used so I had no knowledge they were not linked. Chase online would ask ( pay to whom on one line ) I typed Chase credit card and amount of {$50.00} on the amount line. Every month for approximately 8 to 9 months ( monies deducted from my ( Chase Checking account ). I work overseas and return to the XXXX, periodically. 
Chase was accepting the payments and crediting the credit card with XXXX balance, not the correct card. I have contacted every department trying to have Chase understand but NO. 
My credit rating was XXXX now its ruined. Chase Bank kept the payments, ruined my credit cards and credit. They actually sent me ( 3 ) checks totaling {$760.00} as a refund after the fact. I cased ( 1 ) check for {$200.00} then they put a stop check on the check and charged me {$25.00} for stop check. I never received the other ( 2 ) checks. Chase bank said they would investigate, but as expected, of course, the investigation has them not at fault or responsible. 
I need help to re-instate my credit cards, have the ( 3 ) checks credited to my checking account. I am presently overseas. I NEED HELP to deal with Chase bank. 
Sincerely. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2017-02-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Rewards

Complaint:
Chase without my authorization or " hacking '' method redeemed from my Rewards account of XXXX points to give me a statement credit. 

Attempts to get feedback from Chase XXXX Customer Service were met with run around and pass to different focals with no answers. 

" We expect your statement credit to be applied to your account by XXXX/XXXX/17. 

Statement credits will reduce your balance but you are still required to make at least your minimum payment. 

Here 's your order confirmation : Chase previous FAILED to give me {$50.00} credit on chase XXXX XXXX - XXXX which I was pre-authorized to use. 

Order date : XXXX/XXXX/17 Order # : XXXX Total Rewards Used : XXXX Points ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2019 ( 3rd complaint ) There are numerous errors on my credit report with Equifax and they will not fix them!!!! I have contacted them three times now and their system will not allow me to file a new dispute even though the information they are reporting is inaccurate and therefore slander, Libel and defamation!!! I am a XXXX  XXXX   and it is harming my reputation!!! XXXX XXXX XXXX who I financed my car through and NEVER WILL AGAIN, is reporting numerous inaccuracies and withholding reporting the good credit on me, intentionally!!!! 

I took out my loan in XX/XX/2019 made my first payment in XX/XX/2019 on time, paid XX/XX/2019 on time, paid XX/XX/2019 on time, then in XXXX fell behind 8 days past the 30 day mark due to choosing to switch my banks after 15yrs due to their errors ( XXXX XXXX XXXX ) and so was waiting for the XXXX XXXX XXXX to move my direct deposit which took a month, I paid them as soon as it was in my account. They are reporting it as 60 days late on my Equifax report. At this point that not only reported it incorrectly at 60 days late, but also reported my actual payment at {$1700.00} when it is only {$590.00} mo.,  then they quit updated my credit report to get back at me for being late and did not report on-time payments going forward for XX/XX/2019 and XX/XX/2019. I basically made on payment a few days late out of all payments and now they intentionally jacked up all information on my credit report and numerous others have complained of them doing the same online!!!! I want this corrected now and have also filed a complaint with the IL Attorney General and have contacted my lawyer for a possible lawsuit!!!! 

I also want corrections made to all three credit reports and corrected copies mailed to me, the IL Attorney General and the CFPB within a week of their receipt of my complaint. They have had several months now to fix the errors and have not, this is a direct violation of the FDRA and the IL Attorney General also needs to hold them accountable for this along with the other regulators!!!!! 

I want my account information correct with all three credit bureaus, showing all payments made on time and even the one time late due to all of the problems they have caused me, I also want my actual payment amount corrected to the truth {$590.00} and corrected copies of all three credit reports mailed to myself, the IL Attorney General and the CFPB within a week of them receiving this complaint!!! I also want the regulators to do their jobs and fine and shut these businesses down for breaking the FCRA and other laws!!!!!! If they are too incompetent to do their job correctly they need to be shut down!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled my credit report from Experian and XXXX and to my amazement, I saw credit card companies " XXXX XXXX '' and " XXXX Bank '' on my REPORT! I immediately disputed this information because I have not had a credit card since I filed Bankruptcy and the results of the investigation came back " verified '' and showing an incorrect / old mailing address that I have not lived at since XXXX 2013. I like to know /see what kinds of " records '' that was set up for me under these alleged accounts. So, I may file and report Identity Theft in accordance to the Fair Credit Reporting Act ( FCRA ) and any other Acts as the information furnish does not belong to me and they are required by law to notify me of any insertion of especially negative listings that go into my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: P.S.C., Inc
State: SC
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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection any debt

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 2023-09-18
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
I have reached out to Shellpoint mortgage service, and now Newrez, XXXX times to resolve a simple mistake the mortgage company made when creating my loan. The loan added a parcel that was not to be in the loan. Multiple agents at Shellpoint confirmed it was an error and even told me they would resolve it. After several months and endless attempts with multiple people and divisions, no one ever did anything to actually resolve this matter. I have to now pay off the loan, pay pre payment penalties, and get a higher interest rate of about 3 % just so I can release the lien on my property that this loan was not suppose to be on. I have every bit of evidence and hired a firm to write the letter so all they had to do was sign the release. Unfortunately they never did and left me in a major financial hardship and endless stress and time wasted that I will never get back. This is the worse and most unprofessional experience Ive had to date with a company in my XXXX years on this earth.

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 explanation
Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have attempted to dispute information with Experian regarding what is on my credit report. I was told I was unable to dispute the balance on my report for my car loan and I would have to contact the lender for corrections. I indicated the other agencies have the correct balances and she said she still could not contact the creditor. I also told her I wanted to dispute the fact that my student loans are deferred and she said they are going to list open until they are paid off. I told her it appears that I have more accounts open than I actually do. I also wanted to dispute that charged off accounts purchased by other firms or transferred do not indicate that and it looks like I have XXXX negative accounts when in fact it is only XXXX. She said I do not know why your copy does not indicate transferred but it shows transferred on her computer. I thought what the consumer received was supposed to show accurate information and whatever was not accurate should be corrected. Experian appears to do anything and everything to avoid interaction with consumers. It is extremely difficult to speak to someone and then when you actually speak to someone they act as though they can not do anything for you. They offer an online dispute process ; however, they do not provide a means to actually submit an online dispute. I obtained my credit report and wanted to submit an online dispute but was not provided with the necessary confirmation # on my report to file an online dispute. So not being allowed to file an online dispute I had to call and do it over the phone ; however, everything I attempted to dispute was argued that it was not disputable. None of this is professional or appropriate when credit bureaus control every aspect of the lives of consumers.

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 2023-08-16
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have loans with Sallie Mae. I attempted college while XXXX to try to get off XXXX. I havd to leave school because of my XXXX. Sallie Mae refuses to do XXXX discharge on my loans. I only draw $ XXXX month. My husband will be retirement age later this year and will retire. We will both then be on fixed incomes. The harassment will not stop even though I had my doctor do XXXX discharge paperwork last year. There is no way I will ever be able to work a job. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation