BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with XXXX XXXX XXXX is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00}

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 2023-01-13
Company: JPMORGAN CHASE & CO.
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:
PLEASE DO NOT MARK AS DUPLICATE. A PHONE REPRESENTATIVE OF CFPB EVEN TOLD ME TO RESUBMIT. THIS IS A SEPARATE ISSUE. 

To Whom it May Concern : I am writing to address the resolution of two closed complaints, numbered XXXX and XXXX. I do not consider this matter to be resolved and request that Chase Auto Finance correct the negative reports to my credit score.

Firstly, I allege that Chase has breached the contract between us by refusing to disburse the full payment owed to me. Despite multiple attempts to communicate with the company, they have repeatedly failed to pay me and have only made empty promises to credit my account. 

Secondly, I contest Chase 's claim that I have a contractual obligation to furnish the original title. As stated on the Oklahoma title, it is possible for a lienholder to be recorded in the state 's systems even if they are not listed on the title. I had no influence on what was printed on the title and was fully cooperative in adding Chase as a lienholder. It was not until months after Chase 's refusal to disburse the loan that we became aware of a potential mistake with the title. 

Furthermore, I take issue with the negative remarks on my credit score regarding missed payments. It has been years since Chase representatives promised to post a credit to my account, and in the final months of the loan, the credit owed to me exceeded the amount I owed on the loan. Without any prior communication, I received a check in the mail from Chase, instead of the promised credit. As a result, Chase falsely reported late payments to credit bureaus. It is worth noting that Chase 's disbursement was approximately five years late, yet they have the audacity to claim that my payments were late. 

Based on the above, I stand by my allegations of fraud. It seems that Chase had no intention of disbursing the loan as promised until I filed complaints with the appropriate agencies. 

I request that Chase make immediate corrections to any credit reporting services that may have been notified of late payments and correct the negative reports on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: MI
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Auto Trakk, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My car was totalled. Was not my fault. The insurance company paid off the total amount that was left on the lease to buy contract. The amount owed to autotrakk llc was {$6900.00}. They were paid {$10000.00}. I was supposed to get the difference of {$3300.00} but now they are saying they are keeping the extra money and will not give it to me. Everyone even my insurance company is telling me they can not do this because my total amount to pay off my lease was only {$6900.00} but they will not give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Account information incorrect

Complaint:
On Monday, I spoke with XXXX XXXX, VP Lending department at XXXX XXXX XXXX, he informed me that these XXXX [ Equifax ], had point a Lock and or a Frozen my Credit Report information. Listen up Equifax, XXXX Lock. Freeze my XXXX  Credit Report, whoever you within Equifax, you XXXX XXXX youre Not Stopping me, listen up Im ALL Ready in court with a Big Case Im XXXX, Im Not certain as to who you are within Equifax, in Federal court Im going to personally sue you and get you a go jail card, you XXXX XXXX XXXX XXXX XXXX, youre Not Stopping me. Hey Equifax you did think I could do, you XXXXXXXX XXXX, that XXXX XXXX XXXX XXXX XXXX XXXX account, better get that XXXX OFF my Credit Report, Purge this XXXX off my Credit Report, Im loving it, Im the XXXX Boss Now, XXXX XXXXXXXX XXXX  out, XXXX XXXX ( XXXX ) XXXX  out, XXXXXXXX XXXX XXXX  out, XXXX XXXX, that XXXX {$15000.00}, XXXX out, XXXX XXXX XXXX, {$11000.00}, XXXX out, Im a the XXXX XXXX man XXXX, this is funny, XXXX XXXX, Im paying this TradeLine off before the XXXX of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am sending a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate accounts are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX Balance Owed : {$370.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$13000.00}.

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 2021-08-12
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
There is an active account on my credit report which is not correct. 
Loan care servicing shows that I have a {$500000.00} loan with them and my account is current and I have been paying them every month. 

They say XXXX XXXX XXXX  never informed them that my loan was sold to another company. 

Right now my Credit report shows two loan for the above amount. 

I called them a few times and each time they promise to take care of it and nothing happens. 

They told me that this account was closed in XX/XX/XXXX but still shows on my credit report as open account. 

I asked for a letter that states the statues of my account and they told me they will send it in 48 hours, it has been a month and I haven't received anything from them.

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 2023-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to express my profound disappointment and frustration with the lack of action taken by XXXX, XXXX, and equifax on my previous dispute letter dated XX/XX/XXXX. It is with great dismay that I must inform you that the disputed accounts listed in my initial letter have not been DELETED from my credit report, despite my explicit and unequivocal assertion that these accounts do not belong to me. 
Account Name Account number XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX  XXXX Not mine XXXX ) XXXXXXXX XXXX XXXX  XXXX Not mine XXXX ) XXXX XXXX XXXX *** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX  XXXX XXXX XXXX XXXX Not mine XXXX ) XXXX  XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX XXXX Not mine I received a letter stating that this account were verified and I insist that XXXX, Equifax, and XXXX provide me , within 30 days, with the following documentation, as required by law : 1. Copies of the contracts or agreements bearing my signature for each account listed on my credit report.

2. All supporting documentation or evidence linking me to these disputed accounts.

3. detailed account history, including a record of payments, charges, and any other relevant transactions.

4. Charge-Off Documentation that supports the charge-off status of the account.

5. Chain of Ownership, If the account has been sold or transferred to a collections agency, provide me documentation that establishes the chain of ownership.

6. Date of Last Activity 7. Proof of Reporting Compliance.

I would like to receive this information here, so the CFPB can see it and have as a record and also by mail to XXXX XXXX XXXX, XXXX XXXX NY XXXX. If this information can not be provided those incorrect accounts should be DELETED from my file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: DISCOVER BANK
State: CT
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:
In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided XXXX proof that I benefited from any of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told if I provided all information, including my degree, proof of employment, financial records, tax documents and the fact that I have paid a private loan on time for over 4 years. My co-signer would easily be removed. after receiving the run around for my private loan with navient ending in # XXXX. Not only was I declined a co signer removal after talking with staff and managers alike they laughed in my face. To the degree where a representative told me and I quote. " Well if you want out of this loan, you should just pay it off ''. I lost my job of 4 years to covid in XX/XX/2020. Not only did I never miss a payment I paid on time. To hear staff and managers be this inconsiderate and tone deaf to our society and what we are going through was extremely sad and disgusting behavior. 

Next issue is a private loan with Navient that was paid in full in XXXX. It is loan ending in # XXXX. I have called several times because not only has the loan been paid off, it is still reflecting on my balance due. It is bad enough that my balance is $ XXXX for an XXXX XXXX, which to be honest seems criminal considering the jobs in which I can get with an XXXX XXXX will never equal to my compensation being $ XXXX. The private loan is paid in full and still reflecting on my navient account. I called today was transferred 3 times had to give my entire personal information in full from social security number, address, DOB and phone number and then still had to verify which account I was calling on to 3 different people. This has happened so many times in the past I have lost count. Today I was kept on hold by a manager who proceeded to tell me they see it's a charge off they can't do anything about the over $ XXXX balance remaining on the account or that it is adding to an overall balance due of $ XXXX but then attempted to transfer me to the charge off department within navient that somehow magically closed. I'm beside myself. If I could waive a magic wand I would of never went to school. These issues have brought me to attempted suicide and add to my stress to where I ended up having a misscarriage. This entire system is flawed and is destroying lives. We need help and people that work at Navient need to be investigated and fired for misconduct. If I could I would bring up criminal charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
- The FTC site says that I can go to XXXX to download my credit reports from Equifax, XXXX, and XXXX. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report.

- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX

Company response to consumer: Closed with explanation