BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NY   XXXX   DELINQU ENT REPORT ON MY CREDIT REPORT : LOAN # :  XXXX  My credit history has been greatly damaged by a business loan I took in  XXXX  for a    XXXX   XXXX   i n  XXXX , IL (   XXXX    #  XXXX  ). This loan was granted by  XXXX   XXXX   XXXX  in New York through their agent,  XXXX   XXXX   XXXX   XXXX  before it was acquired by  XXXX   XXXX   XXXX   XXXX , New York (  XXXX  #  XXXX  ).     In  XXXX , my loan officer,  XXXX   XXXX   XXXX , assured me that it would be treated as a business loan and not reported to credit agencies since my   XXXX   XXXX   was used as collateral. In  XXXX , balloon notice came and I requested for refinancing and modification of the loan,  XXXX   XXXX  agreed to work out the details of refinancing and modification. During this process, I kept making timely payments and never defaulted.      XXXX   XXXX  started reporting it to the credit bureaus as a delinquent loan while still collecting payment and working on the process of finalizing refinancing and modification terms and agreement ; it also failed to report m y 3-year his tory of timely payment to the credit agencies. Also, it is noted on my credit report that I had missed payments when in fact I had maintaine d 100  % record of timely payment. I wrote letters to  XXXX   XXXX  requesting that it should stop reporting this loan as delinquent because it was hurting my credit history and the loan office,  XXXX   XXXX , wrote back to me assuring that it would be taken care of once after the loan was refinanced and approved.     In  XXXX , this loan was approved by  XXXX   XXXX  and  Im  still making on-time payments on this loan as agreed. I wrote back to  XXXX   XXXX  requesting that it should help me expunge those delinquent records from my credit history and my requests were denied by the l oan officer. I con tacted credit bureaus and they told me that it was up to  XXXX   XXXX  to either demand for expungemnt or accept no contest in order for them to accept my request to delete those records from my credit history.     This reporting has severely impacted my credit history and made it impossible to get any loan. This has made impossible for me to get a car loan for change of equipment which is due at the end of this month.     Please I would appreciate if you could help me in resolving this case. I have all the necessary paperwork for your perusal.     Sincerely,  XXXX   XXXX  Ph: XXXX    Fax: 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 2018-11-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 a repossion validation letter was sent certified to NMAC regarding a reposession. 14 days was given for the company to respond and to provide the documents in question. NMAC did not respond at all. Since tracking was attached I know that the letter was received on XX/XX/2018 at XXXX XXXX. Since NMAC failed to respond with the appropriate documentation within the allotted 14 days they are no longer permitted to report any deficiencies related to this account on my credit report ( s ).  Per FDCPA and FRCA regulations. NMAC is now in violation by continuing to report this deficiency with fine starting at {$1000.00}. I fully intend to pursue litigation is NMAC does not remove this erroneous debt from my credit report. All opportunities were given for NMAC to validate this debt. NMAC does not have permission to contact me by phone, e-mail, or US postal mail. All communication is to be through the CFPB. I hope that this can be resolved quickly as I am a litigious individual and will not hesitate to seek damages against NMAC under all available State and Federal statutes and UCC-9 remedies as well as violations from FRCA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from 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 non-monetary relief
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: GA
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:
Sworn Statement Affidavit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Method of Verification To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. 
On XX/XX/XXXX your agency sent a letter stating that you had completed your investigation and that the items were not deleted, as was originally requested. This is an issue that concerns me, as I do not understand how you arrived at this conclusion since this information is incorrect. 
This letter is a formal request under FCRA 611 ( a ) ( 7 ) for a detailed description of the procedure that was used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/XXXX To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with the information used in your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please respond within 15 days or delete each of the items, as originally requested. 
I am listing all of the items below that you continue to list erroneously. 


XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: WI
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:
I am filing this complaint as i have attempted to dispute the late payments on my credit report with Equifax as they have impacted my credit worthiness as a consumer of the United States. As of the FCRA 15 USC 1681B my rights have been violated as Ive NEVER given written consent to the credit bureaus to furnish those transactions as well as FCRA 15USC 1681a is another right of mine that was violated as this transaction was supposed to be exclusive between me the consumer and the creditor. Equifax has repeatedly sent me inconclusive responses simply stating they verified the disputed items but they have not sent me conclusive verification that Ive requested in the attached method of verification. Documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 USC1618 Account name # XXXX XXXX - XXXX XXXX XXXX XXXX I, 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 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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 2019-05-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A few months ago i had changed and increased the amount of principal on the loan. I remember a notification stating that the new changes wouldnt take affect until the next billing cycle. I was unaware that this would also affect my current autodraft. 
I understand it is mostly my fault for not noticing the payment being withdrawn and processed. The account being used for the autodraft is an account only used for this loan and a portion of my direct deposit from my employer to cover the amount. I do not regularly check this account because it has been operating this way for 10 years without any issues. I also have been distracted and very busy with the birth of my XXXX   child. My daughter was born in Colorado and the travel and time to see her has been challenging and difficult. 
I would also like to point out that i believe the attempts to contact me were not sufficient. I had received phone calls from Carrington that were automated but did not state the intention of the call. When i returned these calls your offices were closed. The only mail correspondence was sent certified after the delinquency threatening a foreclosure. I also do not continually occupy the home because of my work and my daughter. 
I have owned this home for 10 years and have never had a delinquency. My credit has been outstanding until this one event. I am in the process of purchasing a new home in Colorado and this has made a very negative impact. My credit score has gone down 100 points because of the delinquency. Please try and make an attempt to withdraw the delinquency from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

DIVISION OF CHILD SUPPORT : XXXX 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 : 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
It is not belong to me. It is fraud! This is causing me a lot of stress 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 explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my Transunion credit report I notice that an account under the name ( XXXX ) is being reported as closed and charged off. This account is being reported inaccurately which is a violation of FCRA rules section 1681. 

Notice in attachment ; : Account currently reports inaccurate last date of payment. A violation of FCRA rules section 1681 : Account currently reports inaccurate date Account was closed. A violation of FCRA rules section 1681 : Account currently reports date last updated in XXXX of 2020. Even though I disputed this account in XX/XX/2020. This is an indication that account has not been accurately investigated or verified. A violation of FCRA rules section XXXX. 

: Account does not report date of last delinquency as required by fcra rules section 1681. This is a violation. 


: XXXX does not appear on either XXXX or my XXXX credit report. This reporting is inconsistent that is inaccurate. A violation of FCRA rules section 1681 : This account is currently being reported as charged off. But still reports a past due balance. Under fcra rules a closed charge-off account may not report a past due balance. This is a violation of FCRA rules section 1681.

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 2020-05-11
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I initiated a money transfer of {$850.00} USD or {$20000.00} MXM to my mother in XXXX in XX/XX/2020 at XXXX XXXX. I received a message in XX/XX/2020 at XXXX XXXX  with " Transaction Completed '' confirmation. Meanwhile, I started another transfer of {$200.00} USD to my mother also. I realized that this additional {$200.00} were going to be ready to pick up until next day because that's the time the company takes to have the money available. 

On XX/XX/XXXX, my mother went to the bank to pick up the initial transfer of {$850.00} USD or {$20000.00} MXM and there was when the problem began. Instead of her having or receiving the {$20000.00}. She only received {$4600.00} MXN which was the 2nd transfer I made in the evening of the previous day and that that money supposed to be ready until the evening but the {$20000.00} that I send initially were not sent to the bank. 

This company pulled both amounts from my bank account but they didn't send the 1st transfer of {$850.00}. 

Now they are saying that there is a slight delay because they're verifying the recipient 's information ; but my recipient 's information is the same I have been sending money and the same they use to send the 2nd transfer of {$200.00} USD. 

I called the company but they are not answering. I contacted them by email but they are not even trying to fix the problem. I also tried to cancel the transaction but they don't allow me to do it. 

Please help me resolve this issue with this company. 

Thank you so much for your help and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed I had nothing to do with.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: MI
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:
Experian as currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX Michigan, which is false. I have attached a letter from this court verifying and stating they do not report individual XXXX case filing data to credit bureaus, nor do they update information directly to the credit bureaus. I also have a letter from XXXX XXXX indicating they have investigated the matter and removed this information from my file as well. Experian falsely stating this bankruptcy on my credit report and has yet to remove it from my credit report. I need this item deleted so that I may obtain credit to purchase a home for my family. This is the only item preventing me from doing so.

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 2023-01-25
Company: GVA Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX//23 I received an email stating that my loan was paid in full. 

However, on XX/XX/23 I received a letter stating instead that my account is suddenly past due. Furthermore, the person on the phone was extremely XXXX XXXX  and refused to explain why I was being charged more money. I ultimately sent in a paper check under duress but as a person with XXXX I am extremely uncomfortable with unethical business practices employed by these XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CITIBANK, N.A.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I went to a Best Buy location to purchase a new XXXX. I made it clear to the employee that was assisting me that I did not want any sort of Best Buy credit issued and that I wanted to pay for the phone with an existing credit card. 
I did not authorize or ask to apply for Best Buy credit either. However, I received a phone call the next day from the Best Buy credit department to inform me that a card had been issued to me. I explained to the person from credit card department that I did not apply for nor requested Best Buy credit and that I simply wanted to pay the XXXX in full which I did. 
The Best Buy employee then closed the account and my credit report now states that my account is in good standing but closed which is impacting my credit score negatively and that it would stay on my credit report for 10 years! 
I contacted XXXX and they told me that was not a fair scenario for me and to contact Best Buy to formally request they remove the account from my credit report which I did do. I should in no way, shape or form be negatively impacted for an error made by an hourly employee and when the item in question was paid for in full with a credit card that I already had in my possession.

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 2023-06-16
Company: U.S. BANCORP
State: IL
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:
Recently I noticed that when I travel international ( XXXX ) to be more specific I noticed whenever I use my US Bank Debit Card I have been charged both an ATM fee, a transaction fee and an international transaction fee. On XX/XX/2023 I made a purchase XXXX XXXX  XXXX XXXX  in XXXX @ a total cost of {$7900.00} and I was charged a processing fee of {$230.00} there are many other processing fees that has been charged to my account in different amount from {$3.00} and up. I was not informed about these charges so I think that the bank should reverse these processing fees.

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 2018-04-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has disabled the Custom Pay option for me giving me a technical error everyday time. Ive been making 2 or 3 smaller payments a month and put in as much as i can but now they have disabled that option as well. Their employees are getting nasty on the phone as well and will hang up the phone occasionally before the conversation has ended. Can something be done about this?

Company response to consumer: Closed with explanation