BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been unable to dispute credit collection claims filed with XXXX Prepared For XXXX XXXX, Report Number : XXXX. 

XXXX  have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager. 

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX Survey complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with XXXX as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.

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 2021-08-12
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below.

AFNI acco
unt number XXXX This item is inaccurate and I am requesting that ANFI have the item removed my credit report immediately. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CREDIT ACCEPTANCE CORPORATION
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:
XXXX XXXX open XXXX XXXX {$1300.00} XXXXXXXX XXXX open XXXX XXXX {$360.00} XXXX XXXX open XXXX XXXX {$5800.00} Credit Acceptance co also the i get denyed by banks never open a account a day in my life need everything gone from my report. 
its say i have a collection of over XXXX i called and i tryed disputing, people say i owe i get denied for house becouse of it, i know the person who used my identity to get things in my name i didnt give access to my credit report till this year my mother been using my name to get thing without my permission. also i got my last name changed due to marrage need everything updated my info and the info on my repoet is wrong. i was a victim of identity theft

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 2017-03-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was sold by XXXX to Carrington Mortgage Service LLC in XXXX XXXX. I never got any statements from Carrington Mortgage until XXXX XXXX. When I talk to them and I have done so about 10 times they tell me fax us a letter that you want your statements as you had a Bankruptcy discharge in XXXX and we Can Not send anything. I told them I never had any issues with XXXX and they advised me your are we Carrington now and we have different rules. I just want my past XXXX statements from them so I cab Refi my house with someone else. also my credit union fax them a Verification of loan so I can Refi and they do n't want to answer that either. Carrington Mortgage should NOT be in business and checking the BBB they have XXXX active complains due to the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: MoneyLion Inc.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX, I noticed my credit score took a plunge. I reviewed my reports and Money Lion reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called MoneyLion and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Bankruptcy

Complaint:
I had a credit card with Chase Bank that had an outstanding balance that was discharged thru bankruptcy. This debt is still showing on my credit report. I met with Chase Bank employees to get a written statement that there was no outstanding balance. Although the bank agreed that the balance was discharged they would not provide documentation to that effect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
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: Was not notified of investigation status or results

Complaint:
The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXX XXXX for several months now, with no updates to my credit score in the last 3 months.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Box 1 : ATTN Fraud Department : Remove 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 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I am enrolled in auto-pay with a Capital One MasterCard account, I have noticed to distinct problems after reviewing my statements : 1 ) Even though my auto-payment is scheduled, processed and submitted on the date due, I have now on multiple occasions been charged a late fee.

2 ) Most recently the auto-payment that was submitted happened to be below the " minimum payment required '' and thus a 30 day late* was posted on my credit report. 

The relief I would request is simply removal of said information from my credit report, if this can not be accomplished I would like to pursue further action and potential litigation as I am sure I am not the only consumer effected by these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: United Revenue Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There's a debt collection of {$980.00} from a collection agency called UNITED REVENUE CORP. After contacting them several times to inform them it was fraudulent activity they couldn't help and kept sending me to the original creditor : XXXX  XXXX XXXX but no one is available to answer the phone or to guide me to the right department to inform them about this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This happened during the year of XX/XX/2016 where I had XXXX emergency visit to XXXX for XXXX. During the time, my insurance had my out pocket cost capped at XXXX dollars of medical payment. I have paid my XXXX dollars of out pocket and yet there are emergency room bills that should n't be charged to me at all still kept reminding me that I have to pay the bill. I have contacted the emergency service and my insurance multiple times and yet the bill still went into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting XXXX late payments from 2013 between XXXX credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these XXXX late payments which are unsubstantiated are damaging to my financing.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, XXXX - ACCT # # # # # # 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 AN 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NC
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:
Noticed unauthorized and inaccurate inquiries on 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 2022-05-04
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
In XXXX, I originally had XXXX student loans that were part of the federal student loan program. Unbeknown to me, at some point, Congress privatized my loans, and they were taken over by Navient. After recently checking my credit report, I discovered one 90-day late payment for XX/XX/XXXX, but the payment for all the months prior reflected as current. I was under the impression that these loans were automatically included in the provisions to have student loan payments paused under the CARES Act. After speaking with two different Navient customer service representatives on XXXX, I was informed that these two loans were not covered under the CARES Act, and instead, they had been put into suspension under a Student Debt Burden Forbearance. I was also informed that this forbearance was back dated to cover whatever 90-day late payment listed on my credit reports, as if it was never late. Both customer service representatives refused to removed the inaccurate 90 day late payment from my credit report, even by reflection of what they reported, there was no 90 day late payment. This negative 90 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. My provisions and protections under the CARES Act have been violated. After the unwillingness of Navient to comply, I also disputed this information directly with the credit bureaus, and Navient was said to have verified and updated the information, but the XXXX late payment remains. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). This new FCRA subparagraph provides protections only if a creditor approves a consumer for an accommodation. An accommodation is an agreement for a forbearance, a payment deferral, a partial payment agreement, a loan modification, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ).

I was accommodated when the payments were put in its deferred status, and Navient did not delete the negative mark from my credit report. They only commented that the payments are deferred until XX/XX/XXXX. I demand that Navient remove the 90 late payment mark from XX/XX/XXXX, and show it as " ok '' and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, Re : XXXX XXXX XXXX, Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

They have failed to VALIDATE ANY DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 request that the late payment be removed from my account as I have consistently made on-time payments for this account. It is unacceptable to see this inaccurate information on my account. I have provided the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2022 an Affidavit of Fact was sent to XXXX XXXX mail : XXXX with confirmed delivery XX/XX/2022. Experian Certified mail : XXXX with confirmed delivery XX/XX/2022. 

This was a request for inaccuracies amongst the three credit reporting agencies to validate alleged debt accounts. The listed accounts below are negative accounts that are reporting on my consumer credit profile and causing great harm to me mentally and financially. 

XXXX and Experian have failed to respond in the time allowed by the FCRA. 

XXXX XXXX XXXX Account # XXXX Amount : {$3900.00} ( both XXXX and Experian ) XXXX XXXX  Account # : XXXX Amount {$130.00} ( both XXXX and Experian ) XXXX XXXX XXXXXXXX Account XXXX : XXXX Amount {$9800.00} ( XXXX ) XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Amount {$6400.00} ( Experian )

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 2023-02-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Information is inaccurate from credit bureau. Report is stating closed from XXXX and XXXX but Equifax is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX Open date XXXX XXXX XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: ALLY FINANCIAL INC.
State: DE
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Ally Bank Collections called a distant relative that is elderly and left a very long detailed voice message with detailed information that I did not authorize being divulged. This was done as a phishing expedition and caused XXXX on the elderly individual.

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 2023-05-02
Company: CAINE & WEINER COMPANY, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had disputed a collections I didnt not recognize. I contacted the collection company and they were unable to provide the original information. The collection was taken off my credit report. Today it reappeared and my score dropped XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I found out today XX/XX/XXXX that my Sams Club account and card was closed on XX/XX/XXXX. I have had this account since XX/XX/XXXX and I have NEVER been late with a payment, In fact I pay early from a SAMS CLUB APP on my phone. I have XXXX debit card accounts as a source to pay on my credit account, ( XXXX XXXX and XXXX XXXX ). On XXXX different occasions I attempted to make EARLY PAYMENTS and the payments were not honored. I selected my XXXX XXXX card to pay, but the XXXX XXXX card was attempted to be debited with insufficient amounts in the account. As soon as I was aware of the problem BOTH times I quickly made payments again. My account clearly shows my payment history as EXCELLENT. But for a glitchy app, my good payment history has amounted to absolutely nothing and my credit report is showing derogatory payment history. Sam 's club closed my account and the managers that I spoke to XXXX nor XXXX, showed any fairness to these facts nor did they take in account my payment history and continued to advise me that my account would remain closed, and that absolutely nothing could be done despite the facts that a payment was not due, nor have I ever been late. I am being shut down because of not yet due payment attempt glitches. I feel that as a consumer I am being punished for doing business with Synchrony Bank and my business is highly unappreciated, no matter what measures I take to do good business, As I have scanned the account requirements, In the payment information sections, I fail to see anywhere that a users account will be terminated for making unsuccessful early payments. Any account manager can look into my account and see exactly how I pay and the cards on file.

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 2022-02-01
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:
There are several addresses found on my credit report which are not mine. I believe they are someone else 's and would want these information removed.

Company response to consumer: Closed with explanation