BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NV
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 sent in many disputes and not getting a response it been more than 30 day since last compliant filled. EQUIFAX BROKE THE LAW an I am stressed out emotionally and it causing me financial damages This is the fourth time I put is a dispute to resolve this issue. I even done it through CFPB a COUPLE TIMES THIS IS MY FINAL NOTICE. IF YOU failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please be advise verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove late payments ANY LATE PAYMENTS OPEN CFPB COMPLAINT XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: SERVICEMAC, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Every year I receive a threatening letter from ServiceMac stating that their records show my home insurance has expired, even though I ALWAYS pay my home insurance as soon as I receive the bill ( sometimes sooner! ) and pay in full. This year I sent payment in full on XX/XX/XXXX. Policy does not expire until XX/XX/XXXX! Service Mac does not provide an email address and demands I mail proof in a pdf format. I don't have a printer! They threaten to purchase the insurance and I will have to pay them whatever the cost is. If they believe my home insurance has expired they could easily check with the agent ( XXXX XXXX XXXX ( XXXX ) or XXXX XXXXXXXX XXXX XXXX XXXXXXXX, part of the XXXX XXXX XXXX ). I've had the same agency and insurer since ServiceMac bought my loan.

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 2017-05-18
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On   XXXX   XXXX   XXXX     I received a voice message on my home phone that " suspicious activity '' was detected on my   XXXX   XXXX   XXXX    Checking Acc ount. I was advised to go to a local branch and close my account and to show  2  pieces of identification. I did so the next business day on  X/XX/17    and my account was closed, a new account opened and a new debit card issued. On  X/XX/17    I was at the bank going over my account and it was noted that {$1200.00} was withdrawn from my new bank account that was set up on   XXXX     by  Western Union.  I had my account immediately frozen, a new account opened, filed a Police Report with  XXXX  Police Department and enrolled in   XXXX   XXXX  . I was advised to not use my home computer and to throw it away as whoever had " hacked '' into my account had m y IP a ddress. A fraud complaint was filed with   XXXX   XXXX   XXXX  . All of these things were done. About a week later I started receiving phone messages from  Western Union whi ch I did not return as I had no business with them. On   XXXX   XXXX   XXXX    , I received a letter from  Western Union  demanding payment for {$1200.00 } ( copies enclosed ). I h ave responded to  Western Union  that I do not know the person that is listed on their   XXXX   XXXX   XXXX     letter and did not authoriz e Western Union to debit  my account for any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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 # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
To whom this many concern I demand my right to subrogation as the XXXX XXXX XXXXXXXX XXXX XXXX in re XXXX and stock XXXX I appoint title XXXX as trustees to set off and settle this account at my direction to fulfill your duties as liable trustees. I demand return of my vehicle to XXXX XXXX XXXX and all interest paid in full to me as subrogee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: SECURITY FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Professional finance I demand my right to subrogation as the Grantor/Beneficiary/Natural Subrogee in re XXXX I appoint Professional Financial Services as trustees to set off and settle this account at my direction as liable trustees.I demand return of the XXXX XXXXXXXX XXXX back to XXXX XXXX XXXX XXXX XXXX XXXXXXXXand all interest and monies accrued from account returned back to grantor/beneficiary/natural Subrogee XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
there were several transactions made with chime when I had no card and I was waiting to receive a card jus like when they closed the account, Chime responded back but I wasn't allowed to say anything back, they closed the account fraudulently because they had me waiting to receive a card when the card arrived chime had closed my account, they had also sent my card to a wrong address because I was contacted by a neighbor that had a card they sent during the time I received a bank transfer for {$150.00} ... XX/XX/XXXX, I never received money that was sent from XXXX for {$150.00}, disputed a couple of days later my card was canceled and they gave me a provisional credit of XXXX, then while waiting on a card I see that someone used my card that I had been waiting on XX/XX/XXXX cause they used the wrong pin number, then they took money out of my account all this I am missing over {$300.00} ... I am about to write XXXX XXXXXXXX and also FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: SYNCHRONY FINANCIAL
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:
I am seeing XXXX XXXX XXXX/CHARGEOFF section in my credit report. 
I have no clue about this and not physically present in USA at the time of account open as per their information.

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 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CAPITAL ONE / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On  X/XX/2017    I calle d Navient inquiring  about a notice that was posted to my account regarding 'no longer earning the 'Smart Reward benefit ' due to not receiving payment on time. However, I have paid the agreed upon amount every month to be qualified for the  'Rate Reduction Program '.   The phone record is as follows :  XXXX / XXXX /   2017  @   XXXX   XXXX   - Call last ed 6 mi nutes and when being transferred the line was dropped on  Navient 's e nd.      X/XX/2017    @  XXXX  - Call lasted  4  minutes, I was transferred by the automated recording to the same women as the  XXXX  call. She proceed to apologize for losing my call and transferred me again. Call was dropped again.      X/XX/2017    @  XXXX  - Call lasted  16 min utes. I was transferred to the  'Collections Depa rtment ' via the automated recording. I read the noticed that I had received on my account regarding the 'Smart Rewar d Benefit ' noting that Navient had not received payment on time. The women was unable to identify what the 'Smart Reward Benefit  ' was and I was placed on hold. When she returned to the phone she informed me that her supervisor was also unable to identify what the 'Smart Rew ard Benefit ' was and the effects it had on my loans. I requested to speak to a department that was able to provide me with further information regarding my loans. I was then informed that Navient was unable to transfer me and all they could do for further information was issue a request and I need to call back in 5-7  business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent capital, LVNV Funding LLC, does not prove the debt is mine. The burden is on them to prove this and they have not done so. They state it meets FCRA requirements, IT DOES NOT.     They are required to remove the trade lines from all majo r Credit reporting bureaus. (  XXXX ,  XXXX , and  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputes, XXXX Experian XXXX has failed to respond. They have violated the FCRA in that it has been more than 30-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 explanation
Consumer complaint received 2023-09-17
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

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 2017-05-18
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
AmerAssist is continuously calling me regarding a debt that my mother has with a    XXXX   XXXX   . I am power of attorney for my mother and signed no documents taking responsibility for any debt in my mother 's name.  AmerAssist  had made an inquiry on my personal credit report and has threatened to report this as an unpaid debt. I know they can not legally do this. But I simply do n't trust them. They have already lied to me advising me that as POA, I am responsible. I know this is n't true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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 status incorrect

Complaint:
n a XX/XX/XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XXXX Credit Report the same XXXX/XXXX  was showing as a collection. 

I am filing a complain against XXXX, Experian and XXXX  for improper reporting of this charge off on my XX/XX/XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XX/XX/XXXX credit report and four years  later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Optio Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX phone number keeps calling my cell. When researched, Qualia Collection Services appears from the search and I know I have no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: TN
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:
In the process of removing the last incorrect items from my account. Unfortunately, despite disputing every cycle for the past year, this collection item, Account name XXXX XXXX, Account number XXXX, still wrongly persists. This agency has violated the FCRA in the following ways : 1. Knowingly disseminating incorrect info : the apartment knows the information is incorrect, as does the agency. Thats why the other two bureaus have removed this item from my report. The agency is using lowering my credit score as a way to get me to pay just so theyll go away regardless of the accuracy of the info. I have also uploaded the correct amount that is under dispute to Experians online service several times to no avail. 

2. Not stating that the bill was disputed : the underlying amount ( both in amount and the very existence of the debt ) is hotly disputed. The apartment and I have disputed the existence of this debt under applicable state law for the past year but the agency is presenting this bill as if it is undisputed. This violates FCRA 623 ( a ) ( 3 ). Experian is similarly enjoined from reporting this information that is verifiably inaccurate. 

3. The agency has failed to report a date of delinquency as required under FCRA 623 ( a ) ( 5 ) ( A ). 

4. Because certain information was not reported/verified, the agency was required to modify, delete, or permanently block its reporting under FCRA 623 ( b ) ( 1 ). 

5. I attempted to dispute this debt with the agency but it did not investigate as required under the FCRA, particularly Furnished Rule 660.4 ( a ), ( e ). 

These are just the glaring examples. For goodness sake, free me from this unscrupulous agency and its illegal practices. Consumers are dealing with enough right now.

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 2023-05-01
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called both Tempoe LLC ( Original Creditor ) and XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a collection account to attempt to settle. When I contacted them, the only information they had was my name and an old address. They could not validate the debt. I believe they are fraudulently trying to collect a debt and damaging my credit. They keep telling me to call each other and I have spent hours reaching out to get this taking care of which they have no information on. I have a call log if requested and have disputed this multiple times through all 3 collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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:
Disputed with XXXX XXXX, XXXX and Experian and did not get return resolution for disputes or responses at all. No reports mailed back to me and no response in email from any of, these institutions sent disputes to each company on XX/XX/2022 they are over way over the time frame that a response should have been completed and returned to my home address on file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to college in   XXXX   for 3 months and was charged over {$15000.00}. I am now  XXXX  and will neverbe able to work again. {$15000.00} is an extremely HIGH amount to be charged for 3 months especially since I returned absolutely everything to the school when I became  XXXX . Please help me.

Company response to consumer: Closed with explanation