BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2023, I received a letter from " CCS '' to collect some debt that I did and do not recognize as something I owe. The same day I faxed them a debt validation request and got a notice that fax was successfully delivered to their posted fax number XXXX. However, it is not XX/XX/2023, and I still have not received debt validation information and I noticed they reported the collections to a credit reporting agency without ever notifying me or validating the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXX XXXX XXXX {$770.00} XXXX XXXX {$490.00} 15 U.S.C, 1681section 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 an 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 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 2023-08-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-08
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid {$350.00} and ordered a dress on XX/XX/23, the seller promised me that will provide tracking number in XXXX hours, never did. Contacted him maybe XXXX times to get at least the tracking number, he promised will provide next day, after that never responded to my several emails. Until today don't have tracking number and my order. And I believe it was a scam. I need my full refund. Tried to contact him today too, and again no response. Was promised that I will receive the dress in XXXX days. 
On XX/XX/23 I received XXXX inches empty envelope, I didn't understood who sent this envelope, but suspected that at the last days the seller sent me something to show that I received something for your decision. This is a scam an fraud. I ordered from the seller a dress for my wife. It is now way that the dress could fit in XXXX inches empty flat envelope, and you Paypal without going into details, decided to close on the seller 's favor. This seller is a scammer and cheater. Attached please find pictures of my order and the empty envelope, where you can see the same tracking number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Nationstar has consistently made errors in calculating my Gross Income. That is especially true for Social Security Income in all 6 of my applications for a modification. The last application for a HAMP 2 loan on XX/XX/XXXX shows that Nationstar 's computation resulted in $ XXXX/mo. less Gross Income needed for a HAMP 2 approval. and resulted in a HAMP 1 approval at a monthly payment of $ XXXX/PITI mo. instead of close to $ XXXX/mo.PI. They also had a value assigned to the property of {$140000.00}, as opposed to the XX/XX/XXXX certified appraisal of {$120000.00} or the last value of {$120000.00} assigned by Nationstar on XX/XX/XXXX. This was corrected on a review of the application on XX/XX/XXXX to reflect a change in forbearance form XXXX to {$51000.00} because of the 115 % rule. However, the monthly payment remained the same for 271 months as opposed to the use of 480 months, and the Social Security calculation was not corrected to result in an approval for the HAMP 2 modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
To Transunion, Thank you for your response regarding my dispute. However, I am disappointed that your response did not address the issue that I raised in my original complaint. My concern was regarding the misleading information on your website and the unauthorized payment attempt on my credit card, not the credit monitoring product that I enrolled in. 

I would appreciate it if you could provide a more thorough response to the concerns that I raised in my original complaint. Specifically, I would like a response to the following : What measures has TransUnion taken to ensure that similar incidents do not occur in the future? 

What is the status of my dispute regarding the inaccurate information on my credit report? 

What steps is TransUnion taking to ensure that the information on your website is accurate and not misleading? 

Why is the site not showing my credit information and what is being done to fix this matter? 

I understand that these are important issues that require time and attention to resolve, but I respectfully request that you provide a timely response to these concerns. As a consumer, I have the right to accurate and complete information about my credit report, and I expect TransUnion to take this matter seriously. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXXXXXX XXXX  18 minute call XX/XX/XXXX XXXX XXXX  28 minute call XX/XX/XXXX XXXX XXXX  26 minute call XX/XX/XXXX XXXX XXXX  26 minute call XX/XX/XXXX submitted my bank statement from another institution to verify Im the account holder. 

I established this account on XX/XX/XXXX or XX/XX/2021. Since then I have been unable to deposit money. All of my accounts are showing not eligible for transfer. When I called customer service they basically say itll be 7 to 10 days until customer service technical support has a chance to look at it and if they dont understand the process or the problem then it is sent to the engineering team which intern takes more additional time. 

They have advised that I am able to transfer money in using A different banking institution, but if I do that I will have no way to withdraw the money from then until the issue is fixed. 

There is only two levels of support, and when you reach the top level they claim that they do not have a way to contact or reach out to a different individual in order to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: SC
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, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX XXXXXXXX XXXX Account ending in # XXXX for {$230.00} XXXX XXXXXXXX Account ending in # XXXX for {$100.00} and account ending in # XXXX for {$200.00} has violated my rights. 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2018-09-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Last week I tried to apply for HSBC credit card and got denied because they can not verify my identity. I submitted all the information requested to no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2018-04-25
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to resolve this issue once with IC System, Inc. ( " IC '' ) and the original creditor, XXXX XXXX XXXX  -- in XX/XX/XXXX -- and one previous time with XXXX XXXX XXXX -- in XX/XX/XXXX -- which attempt went unanswered.

I returned all of my XXXX XXXX XXXX XXXX equipment to XXXX XXXX XXXX   when I moved in XX/XX/XXXX, and thereby canceled the service. I have a shipment receipt from the XXXX XXXX ( XXXX XXXX XXXX XXXX specific vendor for this purpose ) evidencing the return of all leased equipment. As of the date I returned the leased equipment, my bill should have been about {$250.00}.

In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX proffered an invoice to me purporting to demonstrate a total amount due on my cancelled XXXX  account in the amount of {$770.00}, which included charges for service, and charges for rented equipment, through XX/XX/XXXX. In XX/XX/XXXX, IC sent a collection notice from IC System for the same alleged debt.

In XX/XX/XXXX, I sent letters, with numerous exhibits to both XXXX XXXX XXXX and IC. IC sought perfunctory evidence of the indebtedness from the creditor, which XXXX XXXX XXXX provided, and IC sent a new collection notice in XX/XX/XXXXor XX/XX/XXXX. The evidence provided by XXXX XXXX XXXX and relied upon by IC -- apparently without having been reviewed -- plainly contradicts the claim that my balance is {$770.00}, because the document shows that XXXX XXXX XXXX charged rental fees for equipment that had already been returned and was in its possession. ( I was not under a service contract at this time ; the term had ended in XX/XX/XXXX or early XX/XX/XXXX. ) Accordingly, even if I somehow still could possibly have had service at a residence I no longer occupied or had anything to do with, XXXX XXXX XXXX is still charging rental fees for equipment that had been returned. IC knew and knows of this defect, yet insists that I am on the hook for the {$770.00} figure.

I have invited IC and XXXX XXXX XXXX to calculate the amount I owed in XX/XX/XXXXbut they have refused. IC is now posting the purported debt to the consumer reporting agencies, and I have informed IC that it should prepare to sue me. ( I am a financial services litigation attorney, and obviously have counter-claims in mind. ) I have always been willing and able to pay whatever balance was due on my XXXX XXXX XXXX XXXX account as of XX/XX/XXXX. BUt I will not allow IC and XXXX XXXX XXXX to shake me down for indebtedness that I do not owe and never incurred in the first place.

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 2023-09-29
Company: EQUIFAX, 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:
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. 

Account Name : XXXX XXXX Account XXXX : has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX  is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also XXXX is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To whom it may concern : I am writing to express a complaint of disgust regarding my Navient, formerly Sallie Mae, loan debt. I began my education with a school entitled, The XXXX XXXX, in XXXX, N.J. for the year XX/XX/XXXX, and left four years later from a, XXXX XXXX XXXX. Also, this program that the United States Government granted fiscal loan funding for me to attend was for XXXX XXXXXXXX. Only it would also be allowed to advance a real time XXXX program while accepting pay and attendance from XXXX XXXXXXXX. At the time many unethical offenses were experienced by me and other consumers of The XXXX XXXX. It was the title schools final years and during the business transaction with XXXX XXXX XXXX almost any and all oral contracts had been revised with students. Actions, such as : uncertified teachers conducting English class would pass without any hard evidence obtained from the student/consumer to provide in a court of law. Therefore, many took a leave of absence and most assuredly left crying over the debt more than the time lost. 
Im writing to share my shame for ever trusting a United States federal loan agreement. I still owe a lot of money plus federal loan interest on what I consider to be a con debt. My experience and overall poor timing in attending a proprietary school my Government felt compelled to make loan offers to for business was a bad egg decision. If I had understood what little success would really come from the financial investment I was being allowed to make, I never would have made it. I was only XXXX years old when I signed away my right to a responsible future with a family, for debt that would never amount to anything great. Its been a shameful display, but not mine alone to bear. Furthermore, I will continue to live and witness more unethical practices i.e. debt collection Sallie Mae. 
I wish someone within Government cared enough to seal up these sort of lose ends on Federal loans. I wish my Government wasnt seeking to profit rather than aid a citizen dream. I would hope that someone would investigate the validity of my claims and remove my debt. Navient can not or will not even negotiate a settlement after almost twenty five years of accruing. Honestly, there has to be a better way. 

Sincerely, Said Student/Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to my credit report I have a balance due to Credence resource manage for {$620.00} however I have not been notified of this debt and I am not aware of whom XXXX XXXX is I would like to dispute this claim due to insufficient information regarding whom the debt is with. Also this debt if over 5 years old/

Company response to consumer: Closed with explanation