BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

US DEPT ED XXXX XXXX : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.

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 2021-08-14
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made several calls to Elan Financial services prior to a major purchase, after making an {$18000.00} payment. I called in advance and several times throughout the experience to ask for guidance and get help. Along the way I was apologized to and encouraged to make the large transaction purchase. I was very thorough in my explanation of the purchase and received assurance each time I called that there was an error on their side and I should returned to the store for the purchase. Ultimately my purchase was declined, despite being well within my credit limit. I was also assured by multiple levels of fraud and customer service personnel that my account was fine. After 3 days of calls and assurances my account was closed for high risk transactions. I received a letter accusing me of lying on my application or not keeping my commitments. I have never missed a payment and recently paid off the account in full. This is unacceptable. I want a high level director or above to listen to each call ( they are all recorded ) and explain how I was at fault in any way. I will be filing this complaint with all applicable regulatory and consumer protection agencies.

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 2023-01-19
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2017-06-20
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Place negative reports on my credit when these accounts are not mine, I was a victim of identity theft and I let them know and had a freeze placed on my credit. They have placed this same account on my credit file XXXX. The company is XXXX XXXX XXXX and the dates where XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 there is a pending debit to my account in the amount of {$130.00} DEBIT DUE TO CLAIM XXXX XXXX. debit - {$130.00} There was no claim placed on this checking account. The problems with my old checking account were reconciled before it was closed. Someone at the bank is charging my checking account for a transaction that was not processed on this account at all. There is someone who has been manually entering their own information and " miscellaneous '' transactions to my account although I have not processed any such transaction or owe any money. I am a victim of identity theft, and also a victim of XXXX XXXX. They are then forwarding the information to police and attempting to XXXX XXXX for the transactions which are " miscellaneous '' on the side of the road, by pulling my car over, by approaching me inside my car while it is parked, etc. I have been severely XXXX by the police and by the person who is accessing my account. I have visible injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: U.S. BANCORP
State: FL
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:
In XX/XX/2020 Elan Financial services used a company called XXXX to collect debt from me which was owed. Total amount owed was {$1300.00}. I got 3 letters stating if I paid {$540.00} the account could be settled and closed. In XX/XX/XXXX I had called XXXX and they settled the account and told me it was closed and everything would be processed. For the last 3 months I saw my credit rating go down because Elan is stating that I still owe them {$810.00}. I have called multiple times and they state I either pay or the account will keep affecting my credit. I asked to request a manager over and over again and I can not reach one what so ever, and they can not help me. I am trying to settle this because this debt that I settled a year ago keeps coming back to haunt me and the company will not help me at all when I payed what was asked.

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 2022-04-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details.

IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately.

In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies.

15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ.

All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to purchase a vehicle. I was pre approved and indicated I did not want to apply with any other lenders or have my credit checked by XXXX. My intent was to complete the purchase entirely online with XXXX XXXX once a pre purchase inspection was completed. I have text messages stating this and assuring me my credit would not be run and I had to fill out the application for identity purposes. As soon as I submitted the application my credit was run through multiple lenders at least 5! Despite my pre-approval and the assurance that it would not be run. I am requesting these inquiries be removed from my report as they were not authorized and impacting my credit score. I ended up not purchasing the vehicle as it did not pass the independent inspection I had performed.

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 2021-08-15
Company: EQUIFAX, INC.
State: SC
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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-08-15
Company: Shellpoint Partners, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Shellpoint Mortgage Services/NewRez : I pay my mortgage on the first of the month. This is the second time they say the have not received the payment. I'm getting a call a day, even on the weekends about refinancing that I have never requested. When I ask about my payment they say that the mail is running two weeks behind ... ...

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a veteran. I have fought for this country for my whole life just to come back and be treated like trash. My family and I have been struggling to find housing during this pandemic to find financing. My entire life I have been mindful of my finance obligations. According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I was granted use and possession of my home through the circuit court after my divorce was finalized XX/XX/XXXX. The property is still in my ex-husband 's name XXXX XXXX. I was making on time mortgage payments until the mortgage rate changed. It stated in the court order i'm responsible for the payments and up keep of the property. My ex-husband should not have any interference with the property. The mortgage rate changed in XX/XX/XXXX. I called first home multiple times to make those payments and they would not assist due to the fact i don't have current rate information. Though he was suppose to surrender mortgage rates information and change, he did not, the ex-husband that it. I explained to First home and yet they refuse to take the payment. I even said i don't care what the rate is just schedule the payment. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: National Credit Adjusters, LLC
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: Reporting company used your report improperly

Complaint:
This account is not accurate and is only reporting on one of the credit agencies. according to 15 USC 1681 e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have reached out numerous of times since XX/XX/2022 and have yet to get this matter resolved.This inaccurate reporting has been a defamation of character and made me uncredit-worthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX transunion improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.

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 2021-08-15
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a written request to Evergreen Professional Recoveries requesting a breakdown of fees, a copy of my signature with XXXX XXXX showing my signature that allows a release of information, and to cease any credit bureau reporting until the debt was validated. I included a copy of the same request that was sent to all three major credit bureaus. Evergreen Professional Recoveries received the letter on XX/XX/2021. XXXX  and XXXX  removed the accounts from my credit bureau after 30 days due to lack of information from Evergreen Professional Recoveries.

I sent a follow up letter to Evergreen Professional Recoveries on XX/XX/2021 after I did not receive a response of any kind from them. The USPS tracking system shows that they received the letter on XX/XX/2021. To this date I have not received any information from them, they are still reporting my information to XXXX  and one account is still showing on my XXXX  report ( account # XXXX for {$510.00} ). I am attaching copies of all letters and certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: MD
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:
Equifax continue to report a public record bankruptcy on my report. They stated on my report that they validated the alleged bankruptcy via XXXX but the bankruptcy is not on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CL Holdings LLC
State: DC
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:
Jefferson Capital XXXX continues to lie to the credit agencies about a debt and I continue to request that it is removed yet they continue to change the date on this debt. To me that is criminal but at least it needs to be corrected, it is over 8 years old and was never valid in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We called Rushmore Loan Management Services in California on XX/XX/XXXX to request a payoff amount on our home improvement loan. Spoke with someone named XXXX. He said that he could not give us that. I asked why not, & he said it was their policy that they could either fax it to us or mail in about a week. So, today, I tried paying the monthly premium online, and then paying the balance of the amount shown on the page online. It would not let me pay it. We have the funds in our bank account to pay it off. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient is harassing by calling way too often - and with auto dialers. 

Navient will call around 10 times a day from various numbers - whether you pick up or ignore the call it's the same message or silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$470.00}

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 2022-10-10
Company: Paypal Holdings, Inc
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The hassle is all across the selections. Ive been on the phone with paypal today alone for 5 calls and theyve been giggling on the phone so i suspect employee tampering... 
I REPEATEDLY have added my new number only for it to vanish or be reoeatedly prompted by the site/app to add it. When i do, it takes, UNTIL needed for verification then suddenly its gone and it refuses the number when prompted for re-entering it manually. I get emails that my account was successfully unlocked, only to try logging in and gettig the above scenario, or some other endless round of security which i pass, but am still locked out. 
Same when i call. For WEEKS. 
I pass the security checks, AND AM TOLD ITS UNLOCKED only to Still be locked out. 
This evening, I finally gained access, only to find that my balance seems locked. It wont even let me use my balance for PRODUCTS AND SERVICES IN THEIR APP!! I CANT TRANSFER MONEY VIA **ANY** OF THEIR *MANY* TRANSFER OPTIONS AND CALLING CUSTOMER SERVICE IS JUST MORE PASSED SECURITY CHECKS, AND BEING TOLD ITS FIXED WHEN ITS NOT. 
The cs agents REFUSE to connect me to a supervisor and i wasnt even able to close the account. 
This clown TellS me " please hold while i write your check ''. 
As if the cs agents are actually in there writing out checks for remaining balances... 
Needless to say it didnt take long to realize he wasnt returning. Or was going to Drag it out till i got annoyed and gave up. 
I want my balance usable so i can empty it and let the account die. Im out of weeks/days/hours to sit on the phone getting the runaround from their staff who laugh it up and seem to continue to trigger new lockouts and fund freezes, unauthorized phone number changes and removals, etc. I DO NOT buy that ALL OF THIS NONSENSE IS SOME ENDLESS " GLITCH ''. PLEASE HELP!!

Company response to consumer: Closed with monetary relief