BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 multiple inquires on my report from XXXX. I have contacted the reporting companies and they told me to contact Transunion. I have repeatedly disputed with Transunion about these unauthorized inquires and they have yet to provide proof to validate these inquires or offer any type of assistance to resolve this matter. I can verify the current inquires from XXXX as I have recently been approved for a new car loan, yet the invalid nonfactual inquires from XXXX remain on my report after hours of waiting on hold and being transferred with no help from Transunion. This is illegal and affecting my credit. this company has too much power within itself an causes harm to the consumers in which they profit off of

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 2023-01-24
Company: Genesis FS Card Services, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I recently lost my job on XX/XX/22. The recommended credit card protection company failed to make monthly payments per the agreement and this has impacted my credit report negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLLECTION ACCOUNTS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Those accounts are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$57.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
XXXX XXXX THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO XXXX AND XXXX. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got a loss of income due to new job duties, I request a loan modification with Cardinals financial loan # XXXX and I had been sending lots of documents, lots of phone calls and still at this time I had not been able to solve my loan problem. I had not been able to talk to one specific person, is always a different person. every day is the same problem, more and more paper work and updates which will lead to not been able to resolve this loan. documentation is repeated been send. they have been really difficult to get this loan. I had advised them to assigned one person only or to met with a local office and work this but no help. I am afraid to loss my home due to this problem. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I mailed a request for a copy of my Experian credit file as I was declined for credit by XXXX XXXX XXXX. A copy of the decline letter was attached but as of XX/XX/XXXX I have not received the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been under contract with this company and they are reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: Army and Air Force Exchange Service
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XXXX, at XXXX XXXX XXXX, XXXX XXXX, offered me a credit card with {$7200.00} limit. I maintained my account in good standing until XXXX, when I became unable to afford my payments due to hardship from unemployment. XXXX XXXX would not work with me for a hardship program. My account was sent to collection and XXXX XXXX would no longer speak with me about the account. The collection company added interest and fees that totaled over {$13000.00}. I could not afford the {$7200.00} balance, so {$13000.00} was incomprehensible. I was forced to allow the account to sit in collection. The account is reporting monthly to credit companies with a full balance of about {$15000.00} due. This is hurting my credit and my attempt to purchase a home. My financial situation improved in XXXX, but XXXX XXXX still will not work with me. I spoke with the collection agency and they submitted a settlement offer of {$7200.00} ( original balance owed ) on my behalf and XXXX XXXX countered with over {$9000.00} which I could not afford. I entered a payment plan and have paid consistently monthly since XXXX XXXX. However, the company is still reporting a full balance of over {$15000.00} due monthly and refuses to acknowledge the payment arrangement or payments being made.

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 2017-04-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
While checking my credit score Experian is showing a lein on my home by XXXX. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.

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 2021-11-29
Company: Credit Corp Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 Credit Solution Sent a notice that a notice was sent on XX/XX/2021 an attempt to collect a debt of {$190.00} they're third party debt collectors I do not owe this debt I don't have a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Bread Financial Holdings, Inc.
State: FL
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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on COMENITYCAPITALXXXX XXXX XXXX Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. 
XXXX XXXX Opened Date XX/XX/2017 Balance {$0.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Investigation took more than 30 days

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Stenger & Stenger, P.C
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 status incorrect

Complaint:
I used a platform called XXXX XXXX XXXX to help settle my account with XXXX XXXX XXXX. Instead of sending a counteroffer, the company used their law firm, Stenger & Stenger, to sue me for the money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Have not received anything for student loans and just now seeing where I might get a payout of some kind. But I did call them and I was told to file a claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
As of XX/XX/XXXX I was approve for a settlement of {$24000.00} for over rated priced vehicle XXXX XXXX XXXX brought from XXXX XXXX in XXXX NC for above {$27000.00} + at minimum of 24 % XXXX making payments of $ XXXXmonthly to flagship credit acceptance. They are in process now to repo as I had some financial hardship temporarily but currently I received a new job offer and additional job offers as well so financially I'm paying off all debts one by one. 

XXXX XXXX has been sued for fraud related events to other customers and I have also worked with individuals to lease out the vehicle and also notify them of financing it. 

My request is to have flagship credit acceptance to remove this loan from all my bureaus and when I received the settlement letter via email was after requesting three different settlement rejects one for {$15000.00} ( which XXXX dealership in XXXX NC appraise the vehicle but flagship did not work with me ) and again I requested settlement for {$20000.00} flagship again rejected. Please assist me in getting this auto loan lender remove from my bureau.

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 2021-09-15
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that NCB MANAGEMENT would verify the debt. So I took it upon myself to ask NCB MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
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: Account status incorrect

Complaint:
I am reporting StillMan Law Office for the fraudulent action taking against my credit score reports since the agreement accepted by both of us has been breached. The agreement was accepted by making monthly payments starting on XX/XX/XXXX with the amount of XXXX USD. The settlement was for the amount of XXXX USD. However, my account showing on my credit reports still shows a balance of XXXX USD, which is still deceiving my personal accomplishment due to this past due delinquency charged when it should be take off my account on XX/XX/XXXX of XXXX. I have been trying to reach Still Man Law Office and Even faxed the proof of payments made to Still Man as agreed, but unfortunately they are never available. I have received today XX/XX/XXXX of XXXX another letter stating that I own XXXX USD. When I already paid them the agreed amount of XXXX USD. Here I am attaching the supporting proof of my bank checks statement that confirmed that the XXXX USD payment was cleared and debited at Still Man Law Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX XXXX and XX/XX/XXXX, I wrote to tell PORTFOLIO RECOV ASSOC AND XXXX XXXX XXXX XXXX XXXX. to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

PORTFOLIO RECOV ASSOC Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Greetings. These companies work together, as I understand ( Freedom Debt Relief and XXXX XXXX XXXX ). 
I became their client on XX/XX/XXXX, but later the customer service become confusing and absent. 
First, the person who signed my account totally disappeared ( Mr. XXXX XXXX ), without any explanation : telephone disconnected ( XXXX ), and no email reply : XXXX. 
When I finally could reach some of his colleagues ( XXXX XXXX and XXXX XXXX ), they did not offer any good explanation, and just asked me to contact Freedom Debt Relief. 

Then, whenever I email Freedom Debt Relief ( the company I see in my account online ), they do not reply my emails. For the last month, it took me THREE long phone calls to get an update about my consolidated debt. They promise to get back to me, and they do not. So I always must call AGAIN AND AGAIN. 
I have mentioned this to them ( today, to supervisor XXXX XXXX ), and they do not seem to care. Meanwhile, they take {$360.00} from my account as a direct deposit, on time, every month.

I feel totally neglected. Right now they have {$3000.00} on my " Dedicated Account ''. In my previous call ( XX/XX/XXXX ), the representative said that that was an " enough '' amount, and that somebody would contact me ... Nobody did. Meanwhile, they keep my next negotiation on hold. On today 's call, just 9 days later, XXXX said the amount was not " enough ''. Very confusing. 
They should be more serious about following up, and reply my questions professionally on time, as I work hard and do my monthly payments to clean my debts. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In 2017, I had a car loan with Regional Acceptance Corporation, I actually got a little behind in my payments and I was receiving collection calls from their in house collections team. One day I received a call from my brothers number I went to answer the call and it was actually a rep from Regional Acceptance, it threw me off as again it was my brothers number, she started talking, as that was happening I called my brother because i through maybe they called him and he three way me into the call, I spoke with him and confirmed this did not happen, i went on to ask the rep how she contacted me with a different number the call was disconnected shortly after. I called back and spoke with a rep advised what happened she immediately got me to a supervisor, that supervisor apologized and advised what the employee did was use an app to call me and they don't tolerate and she took all my info and transferred to the VP of the call center. I sent them my XXXX phone bill and my brothers confirming he did not make a call to me but it was his number that indeed called. I went on to speak with both Regional VP and President of call center who apologized and advised this would not happen any more. I wanted to submit a complaint at that time and did not know what resources were readily available to me. Fast forward to today the loan has been cancelled and I received a 1099-C from the company they have forwarded to me in writing that they are no longer collecting and have written the debt off. I was advised this would no longer show on my credit report, fast forward now they claim they will not remove from my report for 7-10 years. I sent a complaint through XXXX XXXX XXXX and they sent a response advising they will update but not remove. This is negatively affecting my report as I try to move on with my life. I am constantly having to explain this debt and it just sounds like I am lying to other lenders. I am asking that this debt be removed as a courtesy from my report as regional has cancelled the debt. When I called they said they report to the credit bureaus each month and even though i don't owe to them any more they do not care to remove it will fall off in 7-10 years automatically. I also have submitted several disputes and they won't confirm to the credit bureaus they cancelled the debt so it can be removed.

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 2017-12-13
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My XXXX XXXX XXXXn that was originally taken out with XXXX XXXX is now being serviced by Navient. I discovered that my XXXX XXXX XXXX, which is a 0.25 % interest rate reduction was " disqualified. '' I contacted Navient on XXXX XXXX, XXXX to ask why I was disqualified from this benefit, as none of my contact information had changed, I still use electronic communication, and I use auto-pay. I received a response on XXXX XXXX, XXXX that the benefit had been disqualified " in error '' and it would be reinstated to my account. 

However, going back through all the statements, I have NO way of determining WHEN the benefit was mistakenly disqualified from my account and how much interest has accrued because of it. I have received no response from Navient with this information. 

Furthermore, I have noticed that my variable interest rate has conveniently gone up EACH month as my principal amount of loan has gone down. I recognize there might not be anything to be done regarding this, but I believe this is not a coincidence. 

Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

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