BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
TCS, Inc ( XXXX XXXX XXXX ) first contacted me at work in XXXX. I have requested i not receive calls by this " XXXX XXXX '' at work. A letter was sent to my work corporate office. Letter was given to my HR representative on XX/XX/XXXX with my SSN asking for employment verification, date of hire, hours per week work. She had not responded to their request and sent me the letter and asked for my permission to submit. I told her no. Since then she has been calling my cell phone numerous times, sometimes 2X in a row and work number often. Each time i verbally tell her do not call me at work. This has been going on for almost 2 years. On XX/XX/XXXX at XXXX she called in and I hung up. She called back and told my receptionist that she wants to speak with the office manager. Without knowing the subject of the call, she spoke with her and requested that my HR rep give her a call. This is illegal practice and goes against the protection act. i have reported to the XXXX about XXXX, but they have not responded back to them. Amount is for around {$3000.00} when i had my baby and my insurance wont pay because my Dr. used a Dr without a referral during the 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 2023-08-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are Two Fraudulent Accounts on my report I do not recognize

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 2023-04-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Subject : Dispute of Inaccurate Late Payment Reporting on Account Number XXXX with XXXX XXXX ( XXXX XXXX ) To Whom XXXX XXXX XXXXncern, I am writing to address a discrepancy between the information provided by XXXXXXXX XXXX ( XXXX XXXX ) and the late payment records reported by XXXX, Equifax, and XXXX on my credit report. According to the credit bureaus, my account number XXXX experienced late payments in XXXX and XX/XX/XXXX and XX/XX/XXXX. However, after conducting an investigation, XXXXXXXX XXXX XXXX XXXX XXXX ) has confirmed in their letter addressed to me that my account has not been reported as delinquent to the credit bureau agencies listed over the last 24 months. 

Given the inconsistencies between the information provided by XXXXXXXX XXXX ( XXXX XXXX ) and the credit bureaus, I am concerned about the accuracy of the late payment records on my credit report. I understand that the credit reporting agencies have investigated these accounts and have deemed them verified. Nevertheless, the presence of inaccuracies on my credit report raises questions about the thoroughness of the investigation. 

As a consumer, I am entitled to know the steps taken by the credit bureaus to ensure the accuracy of the items in question, as outlined under 15 U.S.C. 1681i ( 7 ) Method of Verification - Description of Reinvestigation Procedure. I kindly request a detailed description of the reinvestigation procedure followed by your agency, as well as any documentation used to verify the late payment records on my account number XXXX. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require further information or clarification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX I was notified that I had a late payment with XXXX XXXX  when I contacted XXXX XXXX  they admitted that they made a mistake when they purchased XXXX XXXX  and that is all automatic payments did not migrate to their system. I was under the impression that my payments to XXXX  XXXX are being deducted from my XXXX account as it was in the past with XXXX that turned out to be not the case on XXXX different occasions I talked with XXXX XXXX representative and they all admitted that the XXXX had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all XXXX  of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXX XXXX XXXX XXXX XXXX who also admitted that the XXXX had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by XXXX points because of the credit agencies actions as well as XXXX XXXX actions

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 2023-07-10
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:
XXXX XXXX XXXX XXXX you charge Off this account on my credit and I have never received a 1099 form with the account report in as a charge off to the IRS it should not be still reported on my credit report.. you have to send that out to me in you failed to do so in your report this charge off every month on my credit report as a charge off its been charged off my account almost a year ago and its still reporting every month as a charge off

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 2021-10-12
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
I am writing this in hopes it finds the correct person. I went to the Kia of XXXX dealership in XX/XX/XXXX to discuss the transition of my existing lease. There, I met with a sales associate named XXXX. I didn't want to be late in turning in my XXXX XXXX lease especially as my delivery date was coming up. 

When discussing my new lease options, XXXX graciously offered to take back my current lease and waive any fees that would be associated with me terminating my lease a few months early. He made me feel confident that there would be no further financial liability for the XXXX XXXX that we had turned in. 

With this information, we agreed to take out two new leases instead of just one as we loved the service and dealership so much and were wanting to stay with XXXX vehicles as our past vehicle experience was great. 

XXXX spoke with his manager XXXX who approved the deal, and we left with our two new vehicles, very satisfied. 

For the next couple of months, we were heads down due to XXXX and the delivery and care for our new baby. Once we came up for air in XX/XX/XXXX, I noticed my credit score had dropped 100 points and my previous auto loan was still showing a balance of {$730.00} owing. Also, that the balance was now stating it was charged off with a default date of XXXX XXXX the month I turned in my vehicle. 

Short-staffed and in the middle of COVID, I understand that things were very hectic at the dealership during the time of my visit, and this may have been an oversight on their part, but I was made a promise that hasn't been fulfilled. 

I have tried to contact XXXX, the sales rep, XXXX, the sales manager, and the general manager Mr. XXXX of the dealership, and they failed to honor the deal we made and rectify the situation. I get it- their credit scores didn't plummet only mine, but no one seems to care. 

I can't seem to locate any written documentation showing our agreement which yes I should have ensured I received however I am asking that you please honor our verbal agreement and remove the balance owed and charged-off status account from my credit reports. It should just report it paid in full, as agreed with a final update date of XX/XX/XXXX. 

Again, I am a long-time brand ambassador for Kia and I am always telling my friends and family, even strangers, how much we love our vehicles and the dealership. I would estimate that 3-4 people of my friends, family and members of my church that I told about my car have actually gone and bought Kia 's . I beg you to please do the right thing and act on this right away. Please correct my credit report so I can get my credit scores back.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2017-12-09
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
In XX/XX/XXXX, Santander Consumer USA, whom I have my XX/XX/XXXX XXXX XXXX financed with, reported my account delinquent. Despite ensuring that I have made every payment on time each month with the company, Santander flagged my account as delinquent! When reaching out to them to rectify the issue, I struggled to successfully contact a human being and when I finally was able to talk to a person they told me that they would reverse the delinquency flag and it wouldnt affect my credit. Then a few months later while checking my FICO credit score, I noticed that it was showing I had one missed payment in the last year. The same mistake that Santander promised to fix!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: MI
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 Convergent accounts name has violated my right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2020-02-15
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The original creditor is XXXX XXXX XXXX Now it Americollect the date was XX/XX/2018 1 year and 8 months ago I had no idea it was in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: AZ
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:
On ( XXXX/XXXXXXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Wednesday, XX/XX/XXXX at XXXX XXXX I called Navient and spoke with XXXX ( employee # XXXX ). I was calling to switch my payment plan to my checking account instead of my card due to missed payments. He asked me if I could make a payment that same day and I said no, next week, meaning in 8 days as I get paid biweekly. He said that there hadnt been a payment in 2 months and I explained it was due to my card information. He then explained to me that I would have to make a payment now because my account was past due. He asked me if I noticed that I had extra money in my account and how come I spent it? He said how come you spent that money? At that point I told him that I needed to change the account information so that from now my payments would be deducted from my account directly and he stated to call back when you have the money and then hung up. I was so upset from this conversation that I didnt call back the company until another 5 days after to resolve the issue. When I did call back, I had to problems with the customer service representative I spoke with and everything is now resolved. XXXX was extremely rude and not professional. He asked about my personal spending and wanted to know why I spent the extra money. What if I had an emergency situation? Who is he to ask this information? I have been dealing with Navient since I graduated school in XX/XX/XXXX and I have had rude representatives, but none as rude and unprofessional as he.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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:
I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can they verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. Please delete these accounts from my credit reports since they were not properly verified and the furnisher could not provide sufficient proof to prove their reporting. XXXX XXXX / XXXX : Account number : XXXX, Date Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, Date Last Active is different on each bureau : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX Date of Last Payment : is not uniform on each bureau : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX Also, I have placed a Freeze on my XXXX and XXXX accounts and this info might have been shared. But according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2023-08-16
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-04-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My forbearance ended in XX/XX/XXXX and deferment was approved at that time as well. According to the terms of the deferment letter I will resumed regular monthly mortgage payments of {$1300.00} starting XX/XX/XXXX and the past due amount will be deferred to the back end of my loan terms. But the servicer, Lakeview Loan ServicingXXXX , to this day has not updated my account according to the deferment terms. I've called every month since XX/XX/XXXX to inquire about this issue and every time they tell me it'll be fix in XXXX weeks. I continue to get collection calls from them. It has been 4 months and they still haven't updated my account according to the deferment terms. They are currently showing my account as delinquent with a past due amount instead of deferred as agreed. Now they have applied the recent four payments for XX/XX/XXXX to XX/XX/XXXX towards the past due months at the start of my forbearance which is XX/XX/XXXX to XX/XX/XXXX. Attached is the Deferral Agreement and the latest mortgage statement showing the past amount during forbearance has not been updated as current.

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 2018-09-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I closed or cancelled my account for phone service paid in full at the time. I then switch cell providers. They ( XXXX XXXX closed 2 lines leaving a third line opened. Several months went by and I get a bill for 7 months of service. I contacted customer service with my issues to resolve amicably but to know avail. They continued to charge me for service I did not use. This is felonious in nature and should immediately be removed. I did not notice nor was notified of collection until I started looking for a house. This is keeping me from getting a mortgage loan.

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