BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: OH
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 removing a false collections claim from XXXX XXXX from XXXX and XXXX, Equifax has now started showing a collections debt on my report. My parents received a letter at their house in XXXX ( I live in XXXX  ) that I had a debt to XXXX and if it wasn't paid by XXXX XX/XX/2022 it was going to collections. 

I called XXXX and paid immediately. On XX/XX/2022. A whole month before XXXX XXXX deadline. I have sent Equifax on 3 separate occasions proof of payment and that the collections claim is false, but they come back with it being verified each time. XXXX XXXX is falsely reporting this debt and it is negatively effecting my life. 

I called XXXX after the first time this hit my credit report, and they claimed they had not yet sent the letter that the debt had been paid to XXXX XXXX, but would. However it would take 60 days for it to reach XXXX XXXX this was on XX/XX/2022, it is now XX/XX/2022. 

I will note that the nature of the debt was XXXX dollars and some change and XXXX dollars for two cable boxes, you will see on the statement credit of XXXX dollars, XXXX informed me if the missing cable boxes were returned they would refund the XXXX I paid to them, which they did. 

Like with XXXX, I will be willing to involve a lawyer if necessary. This is a bogus debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have had private loans with Navient since 2007. In the 16 years I have had these loans, I have used up all of my forbearance allotment - I work for a Nonprofit and cant always make payments. I still owe over XXXX. I have been on interest only payments for a while. Interest only went from {$100.00} a month to almost {$200.00} a month very recently- without a reasonable or consistent explanation. I contacted Navient and was completely honest with them - I can pay no more than {$150.00} a month. 

There were XXXX options for me. I told them I would be forced to just not pay. 

Now they call me multiple times a day starting at XXXX. I talk with them for over 45mins at least XXXX a week, explaining the same thing over and over. They cant offer any solutions that work within my budget. And the calls keep coming. The company has no way of working with me to find a solution. 

They suggested that I apply to refinance with NaviRiFi which I did and I was denied a refinance loan - leaving yet another negative mark on my credit report. 

They offer no solution to my issue. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: First Direct Mediation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
First Direct Mediation located in XXXX, New York is allegedly attempting to collect very old debt that is time-barred in the State of California. They have not provided any written verification of said debt, but have continued to make phone calls to me, my place of employment, family and friends. This company, through various " civil processing department '' representatives, indicates that I will be receiving court summons in the next 24 hours unless I contact the debt collection company to resolve the matter. They call using various robot phone numbers and their threatening voice mails have been retained. I have asked the company to cease all debt collection and abide by the laws of the Fair Debt Collection Practices Act, which they continue to ignore. Most recently, they called me, my family and friends on XXXX  leaving threatening messages as well. Despite their threats of court summons the past few weeks, no one ( as of yet ) has provided such summons. I have blocked their number ( s ) going forward and sent the email attached. This seems like an elaborate scam and attempt to extort money. Phone # s they have used are : XXXX, XXXX and other phantom numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I activated my cap one credit card and used an atm terminal in a city I have no residence in. My account then started to show fraudulent charges after I utilized this atm. Ive called capital one and filed a fraud claim, but theyve rejected it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 Balance XXXX {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
to whom may concern, i never opened a XXXX  account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...

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 2023-06-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2019-03-28
Company: Experian Information Solutions 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:
Experian double reporting on credit report failing to remove accounts that XXXX reported to them to remove.Acting as a collection company { remove account they are wrong, double reported, over the statue of limitation told to remove

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 2022-11-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-04-23
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After diligently trying to keep up my credit score, I check my experian credit report and saw a new Debt Collecfion agency, CREDENCE RESOURCE MANA on my report stating that I owe them {$630.00}. This is incorrect therefore I sent a formal letter that this claim is disputed. I have no knowledge of this debt. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-03-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2020, I contacted credit acceptance to discuss temporary financial hardship due to NM state closing various businesses and allowing only essential personnel to work with 10 employees or less due to the coronavirus. When I spoke with the gentleman, he stated they still expect payment but they will stop all collection calls during this natural disaster. They state they can not defer payments and have no intention to do so even though people are affected due to layoffs and inability to work. There are no contingency plans for this disaster with this company during a national crisis. I was also informed that they will still report your late payment after 30 days but will help by using a special code reporting its due to a natural disaster. Ridiculous.

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 2022-11-11
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX requested mortgage modification of the terms and conditions my mortgage interest rates due to lack of affordability with the changing interest rate terms from of 2 % to 3 % due to financial hardship. On or about XX/XX/XXXX I was grant forbearance on past due amount of approximately {$3500.00}. On or XX/XX/XXXX was granted or approved for trial modification in the amount of approx. {$1100.00} for three months. On XX/XX/XXXX I rec 'd the new mortgage modifications with new terms and conditions with the same terms and condition of the original mortgage with step rates which is designed to increase my interests on first 12 month 3 % to 3.5 %, and on the 13 month and 3.875 % on the 25 month with a balloon payment of XXXX at the end of the new maturity date of XXXX. The new terms and conditions drawn up and provided by SPS Servicing Inc are not reasonable affordable and thus not sustainable terms and conditions. A more affordable terms would be to maintain my mortgage interest rates to remain at 2 % for the terms of the loan to the maturity date of XX/XX/XXXX which will make the mortgage payment more affordable. I am requesting the agency review the matter in more details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
As found through discovery, Merchant & Professional Collection Bureau , Inc. Openly tried to impersonate an Attorney on XXXX report file number XXXX issued XX/XX/2022. Which is also a Violation of the FDCPA. DECEPTIVE TRADE PRACTIVES ACT. DEFENDANT HAS NO MORE THAN 5 DAYS TO DELETE ALL ERRONEOUS and FRAUDULENT data submitted to my PRIVATE and security frozen reports according to 15 U.S.C. 1681 ( B ) ( I ). Not 5 - 7 days Mandatory 5 days according to Federal law! 15 U.S.C. 1681i subparagraph ( A ). I owe you NO XXXX  FOR THE DEFAMATION AND DAMAGE & EQUITY YOU OWE ME EQUITY FOR STANDING ILLEGALLY WITHOUT CONTRACT WITHOUT CONSUMER CONSENT ON MY CONSUMER REPORTS!

Company response to consumer: Untimely response
Consumer complaint received 2023-03-11
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We placed XXXX XXXXXXXX into a CD with citi back in XX/XX/2022. They never sent the full account number or any way for us to access the account online. We tried to get resolution to access the account and they have been unhelpful and stonewalling. They sent a debit card, but we dont have a checking account so this didnt solve our access. They wont give account numbers over the phone, but never gave us the information to begin with. We have no way to login and track or manage this money. No statements, no online access, no account information, nothing. Every remedy they tell us to try has required the system to update overnight, but nothing changes. We cant even close the sunny and just get the funds back. At this point, weve been robbed.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have several inaccuracies on my transunion credit report and I have disputed them all dating back to XX/XX/XXXX and I have not heard back from the bureau with any information in regards to my disputes and its now XX/XX/XXXX. I have wrote many letters with no response. I have not seen or been made aware of any changes to my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions 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  Accounts, 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 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 2023-12-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting 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:
XXXX XXXX services XXXX I did not make this inquiry. 

XXXX XXXX SERVICE  ON XXXX I did not make this inquiry Syncb XXXX XXXX  on XXXXXXXX  I did not make this inquiry Syncb Sam XXXX XXXX XXXX  on XXXXXXXX  I did not make this inquiry XXXX XXXX XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps

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 2023-09-12
Company: Byrider Franchising, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX, I went to purchase a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I ended up financing a XXXX XXXX XXXX XXXX with balance to finance XXXX. The car came with a 4 year warranty but since I got the car there's been nothing but problems. A little over a year I went to another dealership to upgrade my vehicle but when the dealer asked for a payoff on my vehicle that's when the issue was brought to my attention. The payoff should have been a lot less than what they told the dealer and it was brought to my attention on my paperwork from my vehicle the interest rate was never included on the paperwork. I believe I was taken advantage of my situation at the time and since then I've been unnecessarily paying more than I should along with getting a vehicle that's unreliable adding unnecessary stress in my life.

Company response to consumer: Closed with explanation