BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # 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 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 2016-11-29
Company: IMC Capital, LLC
State: IA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX at XXXX XXXX XXXX XXXX has sent an UNSOLICITED card in our name and our business name with a ridiculously high line of credit. This is illegal. We will be contacting them, however this practice must be stopped immediately.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved from XXXX to XXXX because I needed to get away from my XXXX husband and moved in with my brother. I had lived on my own and had Dish service when I left my husband. I could n't use XXXX as my brother already had his house set up with another vendor. I sent all the equipment back and then they sent me a bill for XXXX. They said I did n't return all the equiptment as well as I had a long term contract. I explained that I had no way to use it where I was but they sent me to collection. On XX/XX/2017 I called the collection company and spoke to a young lady and negotiated an end to the problem. She said that if I paid the XXXX that would take care of it. She said that the equipment they were charging for was the piece on the roof and I was n't expected to go on the roof and get it. 
When the next report came in from the credit bureau they now have me in there with NEW collection for XXXX and still have active collection in there for XXXX, I am buying a home and the lender says I need all this off my report and I '' m trying to get it off but getting no where after I negotiated with them in good faith and was told it would be a done deal. 
I am asking to have them ALL taken off the credit report AND to have my {$650.00} back. I expect that I 'm going to have to pay them more money to get this done and it 's not correct nor fair. I could n't use the program and it 's wrong to charge someone especially a senior citizen on social security for service they ca n't use when they need to move in with a relative. 
Please help me Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: United Debt Holdings, LLC
State: ID
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from XXXX this person left a voicemail stating I had an outstanding debt with XXXX. He provided my birth date and the last XXXX of my SSI number. He said I needed to return the call or he would be taking legal action with the State of Idaho. 

His exact words were " Summons for the state of Idaho for theft of services-check fraud. You can contact the party directly to clear this up '' and left the number above. 

That same day about XXXX minutes after I received this call my mother received a call. He told my mother his name was XXXX XXXX with the Idaho XXXX and that he was looking for me. He went on to say that I had a warrant out for my arrest and that it would be embarrassing if he had to pick me up at work. He gave my mother and name and number ( number listed above ) and told her I could resolve this by contacting that number. 

I called the warrants department in Idaho. I do not have a warrant out for my arrest. Also I did take a loan from XXXX several years ago. To my knowledge this was included in my bankruptcy. Regardless, this company is threatening and falsely representing itself. 

When you call the number above they refuse to provide any information about the so called officer or " the account '' but want you to settle by giving them a debit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I applied for a student loan while I was in school. I paid interest on said loans almost the entire time that I was in school. Now I am unable to paid anything on my student loans due to loss of employment and my spouse is working on getting his XXXX. The loan was made through XXXX which now navient. They have since sent my to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
They've processed provisional credits for half the transactions they declined yet put through my account but are refusing to for the other half

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 2017-03-04
Company: Colony Brands, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-08-16
Company: GUARANTEED RATE INC.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
With regards to dealing with XXXX XXXX, Branch Manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX, regarding a VA loan, I ran into multiple issues, specifically regarding VA loan procedure and paperwork. For example on my loan estimate received the evening of Thursday, XX/XX/XXXX, was completely incorrect ( attached-corrected copy also attached ), most notably, XXXX had included a {$12000.00} charge for a VA funding fee, which I am exempt from due to my XXXX. Although XXXX had not yet received an official certification of my exemption from the VA, I did submit to XXXX XXXX XXXX, my official VA Benefit letter , as well as disclose my VA XXXX income. Additionally, XXXX included in my loan disclosure package, a Verification of VA XXXX form, Request for Certificate of Eligibility form, and Request for Certificate of Veteran Staus form, all of which were filled out incorrectly and I was locked out of making any changes to them in the electronic signing packet ( attached ). I brought this to XXXX 's attention, in writing via email on Monday, XX/XX/XXXX, and I have never received a response back from XXXX. The reason why this was so important to take care of Monday, was because Monday was the day I was contractually obligated to send the builder a conditional letter of approval by any lender I was looking to utilize, besides the builder 's preferred lender. 

Although XXXX sent a revised Loan estimate document ( attached ), he never unlocked the VA forms for me to fill out/complete/correct. 

The last time I spoke to XXXX was on Friday, XX/XX/XXXX. That conversation did turn heated, because I called him out on this erroneous paperwork. He then called my realtor, and she stated that he said he did not feel that he could compete with the builder 's preferred lender. This is not up to XXXX or any lender to decide. It is up to me to decide, and if he felt this way, then he should have had that conversation with me, not my realtor. 

XXXX claims to be a VA loan specialist, but a majority of the errors contained in the loan disclosure packet, had to do with VA paperwork and/or the VA funding fee. My concern being that other Veterans who are maybe on their first mortgage, may not pick up on these errors, or know that they are exempt from the VA funding fee, and is this lender praying on them, or taking advantage of their lack of knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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 2017-04-05
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient claims that I have used 48 months of in-school deferments and I have n't been in school for a full 48 months yet. I have had financial hardships while XXXX children and placing education on hold, periodically. Navient is harassing my co-signer who have been trying to pay the loan. I am currently seeking employment, however, I have no job. I have asked Navient if I can pay $ XXXX/month, but they refuse to accept my payments. Again, at this time I can only afford {$50.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I COSIGNED FOR MY DAUGHTER HER FIRST CAR. SHE ACTUALY PAID ON THE CAR NOTE FOR COUPLE YEARS. HER FINANCES AS WELL AS AS MINE WERE GREATLY AFFECTED DUE TO PANDEMIC. IT WAS NOT LONG AFTER SHE FELL BEHIND ON HER PAYMENTS THAT SHE WAS IN A CAR ACCIDENT AND THE CAR WAS UNABLE TO BE DRIVEN AND WAS SOON REPO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account Number : XXXX has violated my rights.

15 USC 1881 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: DISCOVER BANK
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, and I did not make these charge ( s ).

I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close this account.

I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Enclosed is a copy of my Identity Theft Report supporting my position Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft.

Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I made a settlement agreement with XXXX. I made all payments per the settlement agreement except for about the last seven when XXXX stopped depositing my payments. 

Per the letter I have attached, even though XXXX XXXX stated that they would deposit my post-dated check on XX/XX/2016, they did not. Furthermore, they did not return my calls when I specifically left over a dozen messages for them to call me so that I could pay them. Even after they sent me a Notice of Default, also attached, and I specifically called the number they stated and left a message, I did not receive a return call. The only time I was contacted was in later months when their new attorneys, XXXX, called, telling me that I now had to pay the full balance rather than the settlement balance. They told me that they would not recognize the settlement I had previously made with the old attorneys and that I would have to pay over three times the settlement amount. 

XXXX then went to court and got a judgment against me. I was not given the opportunity to go to court to defend myself. I only received the " Notice of Entry and Docketing of Judgment '' ( please also see attached ). 

I do not believe this is right or legal. I do not believe that a company can agree to a settlement, stop taking payments, and then go back to the court to get the full amount. I believe they have to abide by the settlement agreement they made. 

P.S. I had worked well with the old attorneys and had less than seven payments left before everything would have been paid off. Additionally, the old attorneys had said that they would take offers to further reduce my total amount due if I were willing to make one last larger payment. I was all set to make an offer when this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
My husband and I had a credit card for more than ten years with XXXX XXXX XXXXXXXX. We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXX, and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: LA
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 recently had a closed account with XXXX XXXX XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to XXXX. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX XXXX XXXX ) Section ( 609 ) of  the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. 

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score.

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect  consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: 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 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief