BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: Real Time Group, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is in response to the contract that Realtime resolution posted indicating the account was a revolving line of credit and that they coded it that way on the report. I have attached the contract they sent that actually show it was NOT A REVOLVING LINE OF CREDIT! 
Even had the person responding been accurate then the Advancement was already been completed therefore converting it into an installment loan and not a revolving line. It's not something you can pay and borrower again on either way. The contract actually states a non-revolving line of credit. I have highlighted the agreement terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, in XX/XX/XXXX I refinanced my Navient loan with XXXX. According to records/correspondence from XXXX and Navient as of XX/XX/XXXX the loan was refinanced and XXXX had possession. This is also reflected in report by Navient to credit reporting agencies. Per records of XXXX they began charging interest as of that day. Subsequently in XX/XX/XXXX I received a billing statement for XXXX advising of a payment during that time period/adjustment to my loan of approximately $ 67k. The billing statement provides details of these payments indicating they were made on XX/XX/XXXX and XXXX both after my loan was supposedly discharged by Navient. According to my account history there were no payments on either XX/XX/XXXX or XXXX but there are numerous payments/payment reversals on XX/XX/XXXX throughout. Further, there is a payment for approximately 182k on XX/XX/XXXX on the account. My loan total was approximately 115k and the XXXX is the difference. Navient is unable to provide the location of this additional XXXX payment per the records. After following with Navient up to the supervisor of their " consumer advocate department '' I was told they have no records of the payment and XXXX has no record of overpayment and so there is nothing they can do. However, and obviously contrary to their role as a lender and pursuant to the applicable law omission or failure to keep accurate records is not a response to a consumer missing XXXX. In fact the supervisor told me that there could not be a " reversal '' without a payment and then denied the payment but is unable to provide any proof. And in fact their own records document it over and over. Further, Navient 's own XXXX statement shows the loan was not only paid but had a negative balance of {$22.00} for which I received a check. I refuse to accept this and am asking for your help as they try to continue to cheat their customers due to their own incompetence. Their consumer advocacy department is nothing more then a bunch of navient advocates and serves no purpose or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On or around XX/XX/2022, Binance US restricted my account. No reason was given for the restriction. Case # XXXX ; ID XXXX. I want to withdraw my remaining portfolio balance of XXXX XXXX but can't due to the restriction. Binance will not provide a date when their review will be completed. Binance has been reviewing this issue for over XXXX weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: MD
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  Account # XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX ( XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX 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

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 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-11-06
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX at XXXX XXXX in XXXX, Georgia, owned by XXXX XXXX, is attempting to extort me for illegal move out fees. They declared I owed {$680.00} in move out fees that will be sent to National Credit Systems if I don't pay in 30 days. They are trying to charge me for normal wear and tear for carpet, blinds, and a drip pan, which is illegal under Georgia Law. They are trying to charge me for rental income I already paid, also illegal. They illegally changed the signed move out date from XX/XX/XXXX to XX/XX/XXXX, then to XX/XX/XXXX. They illegally declared that depreciation on their carpet is 8 years when federal law dictates 5 years for tack down carpet and XXXX years for glued down carpet. They sent the notice 4 days after XX/XX/XXXX, when Georgia laws requires it to be sent within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the letter attached, there is no original proof of the last payment on this account for XXXX XXXX. Anyone can alter the actual dates on any given note ; including debt collectors, companies, etc.

As the FCRA states and estipulate, I need a re-investigation. First of all, because LVNV Funding LLC, is altering the original dates without actual proof of the contract. According to the note presented by XXXX themselves and/or XXXX. 

CFPB please look at the attached document. I have no use talking to this XXXX company anymore. According to the FCRA : Account information disputed by consumer meets FCRA requirements, explained on my credit report. 

LVNV is not following the law of the state incurred, there are many discrepancies on the dates without proof and the court dismissed the case. 

I will process a lawsuit against LVNV for damages, and misinformation of character, my lawyer will get in deep with this collection company soon if there is no resolution. I am completely tired of dealing with them, without no agreement. Last time I am requesting this LVNV remove the XXXX  XXXX account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, there have been some fraudulent amazon packages being sent to my house. I called chase to cancel the card. Some packages were sent to my house and some were sent elsewhere. None of the transactions are on my amazon account. I have already disputed with chase, but they have said that Amazon is refusing to retract the funds despite the identity theft. I have already submitted a complaint with the sherriff 's office and the federal trade commission. I have offered to send the packages back to amazon. Amazon has refused to tell me where the packages have gone or the email used to purchase. Amazon has confirmed to me in writing that the packages are not on my account with them. There is {$530.00} in dispute. Amazon and chase have refused compensation despite identity theft and fraud being reported to the FTC and sherriff. In addition, Amazon has refused to take the packages back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
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.

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 2023-02-28
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  OF XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2022-04-11
Company: Maury Cobb, Attorney at Law, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered a phone through XXXX in XXXX of 2021. I cancelled the order a day later and told them I won't be switching to them. Since then, they've attempted to collect money from me for this cancelled order and service, even automatically taking money from my bank account forcing me to go through the dispute process. I've called more than 30 times and have gone to several XXXX stores to resolve this issue to no avail. I'm always told that it's been resolved and they will stop trying to collect debts that don't exist from a noncustomer, and the store manager always verifies with the associate/ supervisor on the phone from XXXX that it is all resolved and my account will be marked and I will be notified of all this by email. Almost a year later, here we are. XXXX is acting like a scam company and it's been abusive. They told me I didn't exist as anything in their system, but they tried to take my money and still continue to try to almost 9 months later. This is an absolutely insane situation that I've never experienced before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Since XX/XX/XXXX I filed a FTC report and also sent multiple letters trying to resolve this issue my XXXX and XXXX were completely updated and resolved. 
These unauthorized inquires I am not aware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX date of inquiry XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Card date of XXXX XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Card date of inquiry XX/XX/XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Financ Date of inquiry XX/XX/XXXX date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 2023-02-28
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 2022-09-15
Company: AMA Advisors, LLC.
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:
I have always used automatic payment to pay my monthly mortgage with Homebridge Financial. On XX/XX/2021, Homebridge returned the mortgage payment to the bank. I did not find out until a month later when i was notified by the credit bureaus that i had a 30 day late notice on my credit report. The funds were in my bank account and this was an error on behalf of Homebridge. I have a letter from my bank ( XXXX XXXXXXXX XXXX  ) which states that the funds were in my account at the time Homebridge tried to take the payment and it should have never been returned. I tried reaching out to Homebridge many times for almost a year now and no response from them at all. My loan officer has also tried to rectify this with corporate to no avail. I disputed with all three credit bureaus and they notified me that they submitted the dispute to the " furnisher '' which is Hombridge but they have not received a response as well. I am asking that Homebridge please have this information removed immediately from my credit report as this was their error. I tried to apply for a home equity line of credit but was denied because of this negative account on my credit. Please help me get this cleared with Homebridge Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 2019-01-09
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bought a new XXXX XXXX from XXXX XXXX in Texas in late XXXX. Was pushed to finance at least 4 months with XXXX XXXX XXXX to get a {$2000.00} rebate. On XX/XX/XXXX made my first and only payment of {$10000.00}. Noticed it never posted so made numerous calls and was told account number inputted wrong but it was corrected and properly applied and would reflect so in my XXXX account. This never happened so i made numerous calls over the next few weeks to follow up. No hint of any problem from XXXX and all was well just taking longer than expected ... .... Today I was told XXXX returned the money on XX/XX/XXXX and it, whatever it is, was cashed on XX/XX/XXXX. This is the first time I was told this. All my other inquiries all was fine and just taking time to get the payment to its correct home. I had another $ XXXXpayment set for today but had the bank cancel it. Now I am out {$10000.00} and left to deal with an inept XXXX that every phone call tells me a new story. My bank says the payment was an electronic transfer to XXXX and they have no idea why a paper check would have been cut if in fact it was. Bottom line, my {$10000.00} is missing and I am left to deal with incompetents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A utility account with XXXX XXXX has been fraudulently created using my name and information. I didn't authorize this account nor did I have knowledge of this account when it was opened. Immediately after learning about this fraudulent account I contacted the company directly for them to close the account and deal with the situation. They have not handled the situation. I am demanding that the company dispose of this account and remove my information from their system as well as remove this account from my credit report immediately. This is not fair and is tarnishing my good name and I will not stand for it.

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 2020-03-26
Company: V and H Portfolio
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:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and or fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
The lender repeatedly denied that payments had been received, although bank records indicated otherwise. Lender also also wrongly claimed that vehicle in question was not insured, and added additional amounts to loan for insurance, notwithstanding the fact that said vehicle in question was at all times insured by XXXX. Lender further created other false addendums for the purpose of increasing the balanced owed and then repeatedly hounded this consumer regarding surrendering such vehicle for repossession.Lender also required this consumer to submit bank records for proof of payments. However, after consumer realized that the lender did NOT have/maintain payment records, inasmuch as the same had likely been mismanaged, this consumer decided to surrender the vehicle in question for fear that lender would continue its mismanagement of payment records, which would continue to cause gross excessive payments.

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 2023-03-08
Company: Chime Financial Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
chime.com is a scam they collect personal information and as soon as you receive money at the account they will lock it. 
I have created my account and without any email warning they locked it for security reasons showing an email I should email XXXX i have send multiple emails since weeks now and they do not reply! I dont even get a ticket reply this is a scam!

Company response to consumer: Closed with explanation