BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A forbearance was granted to me on XX/XX/20 due to COVID-19 that was lasting through XX/XX/20. This forbearance allowed me to withhold my payments up until that time. In XX/XX/2020, I received a notification that my credit score decreased substantially due to having a late payment report listed for my student loans. This has impacted me greatly in an endeavor I am currently undertaking that is determined by my credit score. Please help me correct this and also let me know if there are any steps that can be taken for the impact this has had on me ( i.e. compensation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report, This complaint will be my follow-up complaint to ensure the fixing of these accounts. 

OFFICE OF THE ATTY GEN XXXX Date opened : XX/XX/2023 Balance : {$15000.00} OAG CHILD SUPPORT ENFORE Opened XXXX XXXX, 2023 Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: TN
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 have two wrong addresses reporting on my equifax which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. I disputed these 2 addresses 5 times and each time my dispute results comes back deleted however its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, contacted Chase Bank to reverse payment error, the payment was meant to be for $ XXXX. However, the payment went through for $ XXXX. Called Chase Bank XX/XX/XXXX to reverse payment of $ XXXX and process the payment for $ XXXX. I was informed the reversal would take XXXX business days. CSR stated he would set up autopayment for Friday XX/XX/XXXX for $ XXXX. Allowing time for $ XXXX reversal to process. Friday XX/XX/XXXX, contacted my bank and the $ XXXX had not been received by bank. $ XXXX was scheduled to come out XX/XX/XXXX. I had to take out a personal loan at bank to cover this payment and several other small payments that were coming out. These payments would have been covered by the $ XXXX reversal. XX/XX/XXXX spoke with XXXX, a supervisor, he told me it can take up to XXXX BD for reversal to process. Told me he could not resolve my issue. Had I known this, I would not have agreed to another $ XXXX coming out on XX/XX/XXXX. On XX/XX/XXXX, call Chase again. Spoke with XXXX, supervisor, she said the reversal was not processed correctly and she would fix it and I would get the money in XXXX XXXX.I am accruing interest on the $ XXXX reversal b/c Chase immediately recharged my XXXX the $ XXXX reversal. It has been 10 days of interest accrual and now I have to wait another XXXX, I want 17 days of the interest for $ XXXX credited to my account! Chase has held my money for 17 days while still charging me interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
The Company is USA auto Car dealership servicing financing buy here pay here dealership XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company closed boarded up seven months after financing a vehicle with them. i went there because my car was not running or working like it should it would only go up to 40 miles an hour. I was told when any of the cars where in need of repait that I was to take to any XXXX XXXX they would repair and honor my warranty. I did go to XXXX  and they informed me they would no longer honer US auto because there agreement turned out to be fraudelent with them as well. 2. next took my vehicle to a depended mechanic i always go to XXXX XXXX XXXX XXXX XXXX NC XXXX the car for them to see what was going on with my car, when i picked it up thye said they would not simply even touch the vehicle it seem to be the engine was bad along with some very serious electrical problems he would not touch it it was so bad. I will give you alist of of issues i found from the beginning to finance this car. XXXX the vehicle is XXXXXXXX XXXX XXXXXXXX it had XXXX mile when finaced asing price was {$24.00} dollars the downpayment in two parts was {$1400.00} to pay the vehicle off in full somehow became {$40.00} after i really dig downed and looked hindsight after i was not getting the monetary credit of my XXXX payments each month 2.In the the time i had the car I had to pay 3 different finace companies without notice the finace companies were changing, thay were Us auto financing, XXXX XXXX when my problem began, lastly car repossed by westlake finacing to when i inquired found out they were not a fince company but credit collection agency who ask me for full price of the car threatened to repossess the vehicle, many letters from them, as of a week ago theydid take vehicle at XXXX in the morning never knocked took my dmv tags with them which have reported my tags lost stole. i want remedy ihave had pain and suffering XXXX XXXX XXXX XXXX XXXX  XXXX for over 25 years XXXX  on XXXX  I used that car to get back in forward to treatment until I could not no more. You will ask did I not pay my payments any more after no warranty, I was not able to find who I was paying my money to, I was not given monetary full credit for the payments I did make, and yes I would not continue to throw my money in the air like that, My last payment to these XXXX XXXX was XX/XX/XXXX i believe. so i just want answers and remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$480000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: KS
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to inform you of unauthorized inquiries on my credit report that I would like removed. As per the Fair Credit Reporting Act ( FCRA ), unverified and unauthorized items must be removed from the credit report. Therefore, I request that you remove the following items from my credit report : XXXX account that shows closed on XX/XX/XXXX XXXX  XXXX XXXX that shows closed on XX/XX/XXXX Hard inquiry from XXXX XXXX XXXX Inquiry : XX/XX/XXXX Additionally, I noticed that XXXX is reporting an incorrect address on my credit report. The address mentioned is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, but that is not my address. 

Furthermore, there are inquiries on my credit report that I did not authorize, such as : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I request that you investigate these inquiries and remove them from my credit report as they were not authorized by me. 

I appreciate your prompt attention to this matter and look forward to your reply. 

Sincerely, 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 2020-06-08
Company: Westlake Services, LLC
State: VA
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:
On XX/XX/XXXX I sent letters to the following companies about a car that was repossessed in state of Virginia on about XX/XX/XXXX. Which showed on my credit with a balanced of $ XXXX.The letters that I wrote along with documents showing that someone was using my SSN from XX/XX/XXXX to XX/XX/XXXX to acquire jobs, loans and credit cards. I ask the following companies to take this fraudulent information off my credit report by verifying it was me who applied and sign for these items. All other accounts were deleted accepted the repossession of the car : I wrote to the following companies told them to delete this off my credit there saying it still me without true verification. These are the companies that I have wrote they refused : Westlake Financial Services wrote them on XX/XX/XXXX ; XX/XX/XXXX no responds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX wrote them on XX/XX/XXXX no respond but they had been known for letting people get away with Identitiy theft people using other people ID from some reports. Business is closed down.r Wrote to all 3 credit bureau on XXXX they saying it was verified without sending me any documents. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im begging you please remove this to the 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 2023-08-12
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file US DEPT OF EDXXXX XXXX Balance : {$2400.00} US DEPT OF EDXXXX XXXX Balance : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got a federal student loan for the University of XXXX. I graduated in XXXX. I paid on the loan up to XXXX when I filed for bankruptcy. Between that time and XX/XX/XXXX I filled for a forbearance. The original amount owed was around {$40000.00}. I got the Student Fed loan consolidation on XX/XX/XXXX. Between then and now they are saying I owe {$100000.00}. I have requested a copy of any documentation at the time of loan origination. The credit report at that time. Also on XX/XX/XXXX the addition of {$31000.00} to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXXmy parents took out a student loan with me, more than they should have, but they had XXXX kids in college. I believe the original balance was around XXXX. I joined the United States XXXX XXXX that fall. Navient was updated on my status, but failed to comply with the Soldiers and sailors civil relief act I believe charging 13 % interest for years. From XX/XX/XXXX to XX/XX/XXXX my parents would ask me to send them an XXXX to show I was XXXX XXXX every now and then. What I did not realize is Navient was telling them they could defer payments and it would not report as late. FOR 10 years the loan did nothing, but occur interest and I am certain Navient had a huge smile on their face while doing so. in XX/XX/XXXX I believe, my parents received a check from a settlement company that sued Navient for not complying with the Soldiers and sailors civil relief act for the difference of the interest at the time. Now 13 years later the balance even while my parents have made payments does not drop below {$50000.00}. I have called Navient to get any information from them in regards to the interest rate and for a copy of the original contract. THEY LITTERALY hang up on me every time I have asked. They will not provide me with the information, I firmly believe, that they either do not have it or are violating many laws and probably the contract itself. 

I will do some basic math to make my point. I have had this loan for 13 years now. Lets just pretend my interest rate is % 5. If I wanted to pay this loan off in the next 15 years ( now making the loan be a part of my life for 28 years ) I would have to pay {$390.00} a month for the NEXT 15 years. That is insane! They are the most predatory company I have ever dealt with. When they get you under their thumb, they never pick it up until someone else finally has enough money to stand up to them. Please help in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: January Technologies, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2023, I was notified by a company called January Technologies for a debt that was not mine. They kept emailing me and calling me, harassing me about payments that I did not owe.I sent a letter on XX/XX/2023 via email to the agency disputing the debt in question and requesting verification as per my rights under the FDCPA. According to my records, this letter was received by the office on the same day because they acknowledged it was received by the office and should have triggered the 30-day timeframe within which they were obligated to provide the requested verification. 

However, to my surprise, I received a response from your agency on XX/XX/2023, which is well beyond the 30-day period mandated by the FDCPA I sent a letter XX/XX/XXXX to ask for verification of the debt and where it came from.This delay in providing verification is not only a violation of the law but also raises concerns about the accuracy and legitimacy of the alleged debt. Additionally, it has come to my attention that there are strong indications of falsification of the debt by your chosen debt collection agency. The FDCPA explicitly prohibits debt collectors from using deceptive, unfair, or unconscionable practices when attempting to collect a debt. Falsifying or misrepresenting the existence, amount, or nature of a debt is a clear violation of this law. 

They have provided a log in lin which does not work. They have yet to provide information that is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX I sent letters to the following companies about a car that was repossessed in state of Virginia on about XX/XX/XXXX. Which showed on my credit with a balanced of $ XXXX.The letters that I wrote along with documents showing that someone was using my SSN from XX/XX/XXXX to XX/XX/XXXX to acquire jobs, loans and credit cards. I ask the following companies to take this fraudulent information off my credit report by verifying it was me who applied and sign for these items. All other accounts were deleted accepted the repossession of the car : I wrote to the following companies told them to delete this off my credit there saying it still me without true verification. These are the companies that I have wrote they refused : XXXX XXXX XXXX wrote them on XX/XX/XXXX ; XX/XX/XXXX no responds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX wrote them on XX/XX/XXXX no respond but they had been known for letting people get away with Identitiy theft people using other people ID from some reports. Business is closed down.r Wrote to all 3 credit bureau on XXXX they saying it was verified without sending me any documents. 
.

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