BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/20 I received a credit report from Equifax and XXXX stating verified of inaccurate accounts still being reported on my file. I received a summary of credit scores from XXXX. 
They all failed to send me a copy of a signed contract I have requested the have violated my rights as a consumer. 
I am asking it be removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The Social Security Administration incorrectly listed me as XXXX dated XXXX XXXX, XXXX. When I was made aware of this issue from a TransUnion credit report on XXXX XXXX, XXXX, I promptly went into my local Social Security Administration office to verify  that I was not, in fact, XXXX. The Social Security Administration issued me an Erroneous XXXX Letter and advised that I submit this letter to various credit reporting agencies and financial institutions to unfreeze my accounts and correct my credit report. The Social Security Administration made me aware yesterday ( XXXX XXXX, XXXX ) that the information had been corrected in their system and no agencies or cards should have any reason to list me as XXXX. 

In order to have the incorrect information removed from my credit report, TransUnion asked me to fax them the Erroneous XXXX Letter from the Social Security Administration, which I did promptly on XXXX XXXX, XXXX. On at least two separate calls to TransUnion I spoke to employees named XXXX and XXXX who each advised me that they could neither confirm receipt of the fax nor help me understand the steps I needed to take to remove this false information from my report. XXXX specifically told me ( and repeated multiple times ) that she had " no idea '' how her agency receives information related to Social Security information and that there was no way they could refresh their information to reflect the most updated information from the Social Security Administration ( where the issue has since been corrected ). She also advised me there was no other supervisor I could talk to about the issue. 

Given this erroneous XXXX note will make me unable to obtain credit and that this error was unrelated to any prior actions I had taken, I would like an expedient route to have the error corrected in TransUnion 's system.

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 2017-08-07
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After years of attempting to obtain a loan modification, Selene Finance approved the request for a three month trial modification starting XX/XX/XXXX through XX/XX/XXXX. I made all the payments on time then received the permanent modification which required my ex-husband, XXXX XXXX XXXX to sign the agreement. I called Selene and explained that this loan originated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX, XXXX is not on the note or the mortgage. Also, XXXX does not have the property address for safety reasons which is the entire reason I use a XXXX XXXX so XXXX does not know where to find me.
Selene Finance advised me that XXXX signed the security instrument which means he has rights to the property. This is not the case as I even sent Selene Finance the closing documents from this loan origination that does not reference XXXX ; s name at all and even states not married. I know XXXX only signed a document stating he would not come after the house after the divorce since the county can take a few months to record the divorce documents.
Selene Finance called me back and they are requiring a copy of the complete, filed and recorded divorce decree showing who the property was awarded to. On XX/XX/XXXX, I emailed Selene Finance the attached documents to show XXXX XXXX XXXX has no interest in this subject property. The divorce was finalized XX/XX/XXXXand his whereabouts are unknown:1. Copy of the deed showing XXXX XXXX  only. XXXX XXXX XXXX was never on the deed.
2. Final judgement of divorce showing there was no property to award since XXXX XXXX purchased the property XX/XX/XXXX at the end of the divorce process which was finalizedXX/XX/XXXX. 3. Copy of closing documents at the time of this loan origination showing instructions not including or referencing XXXX XXXX XXXX.
I was told, even after these documents were reviewed onXX/XX/XXXX, XXXX is still required to sign the documents and the loan can not be permanently modified without his signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Perfection Collection
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a tenant that signed a contract with XXXX XXXX XXXX who cancelled service and her contract. The XXXX corporation and their debt collectors continue to contact my tenant for the contract cancellation, but have also put this collection on my credit report. I had a conversation with Perfection Collection regarding this debt, and informed them it was my tenant that signed a contract not me. I have not been provided with any documentation with my signature on it to validate their claims, furthermore, I have a copy of the contract signed by my tenant with XXXX. this was placed for collections on XXXX for an amount of XXXX I filed a dispute with XXXX and provided documentation of the tenant signed contract. There was no resolution and the debt collection agency still contends the information is accurate. I have attached a copy of the contract signed by my tenant with XXXX as absolute proof of whose debt this is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset that this credit reporting agency has not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I am demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The bank has consistently harassed me by denying me credit because they claim they can not get my report. Although I have had over 14 inquiries on various reports. I have tried to call them, write them and ask for management. 

When I tried to reach out to the bank today, I get a recording on any line I call from my line that states I am not authorized to contact them. I will enclosed a copy of the dialing and recording for your records. 

Since I have had other credit products in the past with them, is not allowing me to access those account for any maintenance, payments or changes. 

I will enclosed copies of some of the material, it is a large amount of material so therefore if you want all of it or additional information, I can send it via mail or courier. 

You will find a copy of an email from each card from the bank, verification the freeze is removed and the letter from the credit or stating the freeze is on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Navient Solutions, LLC.
State: VT
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:
Some time in XX/XX/2020 I placed a call to Navient inquiring about an education loan that was showing up on my credit report. I gave Navient my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to Navient the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. 

I heard back from Navient on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school XXXX years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with XXXX  years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to Navient on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that Navient was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. 

On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure Navient used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. 

On XX/XX/XXXX, Navient sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. 

I need help. It seems like Navient is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times Navient said these loans were borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX account # XXXX, 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.

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 2019-03-05
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have called several times trying to solve this account. I filed section 129.21 in XX/XX/2018 I tried working with XXXX  XXXX who refused to help. I just talked to the original debtor last Thursday and was told the collection agency need to contact them about removing my account from the credit bureau. I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This week, Bank of America sent my husband a credit card in his name linked to my separate credit card with an identical number to my credit card. I did not ever request for BofA to send to him a duplicate of my card in his name. I called BofA and spoke with a representative who identified herself as XXXX from Texas. I explained that I was troubled by their having issued a duplicate card to him and she told me that I must have requested it by phone or online at some point for them to have issued it. I asked for them to provide to me the date and method of my request because I know that I did not make a request as my husband and I have separate cards intentionally. She refused to provide any details of when or how a request was made and seemed unconcerned that a fraudulent request was made. I am disappointed at their lack of tracking when it comes to requests for duplicate cards and their lack of concern for what was either an error on their part or a fraudulent transaction.

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 2019-08-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was desperate to find a low cost vehicle and planned on buying used. I am having financial hardship. Went to XXXX XXXX. I requested to see car advertised on XXXX. Price slightly less than {$17000.00}. Nothing explained to me before signing agreement with XXXX and Credit Acceptance Corporation. Payment > $ XXXX/month. I told them I can not afford the payment and broke down crying. I expected a ~ {$13000.00} loan. I put {$4000.00} down. The purchase price was listed as {$23000.00}. {$10000.00} more than expected. I was told ; because of my bad credit the only way a financial company will loan me any money is if its above a certain amount ... .to be determined by the lender. I anticipated higher interest rate but theirs higher than anticipated. 22.99 %. I said well if they require more money for the loan I will get a better car. I was told, oh NO you can not do that. I asked why? Because they will add more money to that loan. I asked about a new car for that amount and told they wont finance a new car. I was being told that I had to do this type of financing because of my bad credit and I felt forced into signing contract because they told me I couldnt do better anywhere else. I asked 2 other car loan companies about their financing and they said they dont do that. One company was XXXX XXXX who sent me your contact 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 2020-05-16
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Email Not Available ( mailed to address ) Credence XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Sent Via Email ( XXXX, XXXX, XXXX ) To whom it may concern : Credence first attempted to collect this paid debt by letter dated XX/XX/XXXX. On XX/XX/XXXX, I responded to their collection notice by sharing a summary of the situation, sharing copies of relevant documents -- bills submitted by XXXX XXXX XXXX XXXX ( XXXX  ) and copies of the checks cashed by XXXX -- for the amount they sought to collect. Credence acknowledged receipt of this information and I never heard back from Credence and considered the matter closed. 

On XX/XX/XXXX, XXXX attempted to collect the paid debt again. 

I attached all information to support everything represented in my complaint. 

I am asking the CFPB to investigate this matter and obtain answers from Credence and XXXX to the following questions : What did Credence do with the information I provided them via my XX/XX/XXXX email that was acknowledged by Credence on XX/XX/XXXX? 
How did XXXX receive my personal medical and financial information and conclude that it had a right to collect a previously paid debt? 
What is Credence and XXXX going to do to prevent future attempts to collect my paid debt? 

I am also asking the CFPB to explain my rights given the harm they have caused me as a result of their abusive consumer collection practices, especially XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One Bank ( USA ), N.A. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX. 

XX/XX/2018. 

i AM TRYING TO BUY A HOME. 

XXXX XXXX XXXX ISSUED ME A CASH REFUND ON XX/XX/2018 FOR {$3400.00} TO MY CAPITAL ONE CARD ENDING IN XXXX. CAPITAL ONE SAID THEY WOULD SEND ME A CK IN 10 BUSINESS DAYS. THEY DID NOT. WHEN I CALLED THEM YESTERDAY THEY ADVISED ME THAT THERE SYSTEM HAD BEEN DOWN AND THEY WERE NOT ISSUING REFUNDS. THEY THEN ADVISED ME THEY WOULD PROCESS MY REFUND CHECK AND SEND IT OUT IN 10 BUSINESS DAYS IMPACTING MY ABILITY TO CLOSE, WHEN I SPOKE TO A SUPERVISIOR AND EXPLAINED MY PROBLEM SHE HUNG UP. 
I CLOSED THE ACCOUNT ENDING IN XXXX HOPING TO SPEED UP THE PROCESS BUT NOW THEY SAY I HAVE TO WAIT 60 DAYS. I WOULD LIKE MY REFUND OF {$3400.00} ; MY ANNUAL MEMBER FEE RETURNED OF {$39.00} AND MY DUE ON SALE REWARD DOLLARS OF {$51.00}. THIS AMOUNTS TO {$3500.00} SO THAT I AM NOT HOMELESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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:
I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to Experian, XXXX  and 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 2022-08-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received over 20 calls in the last week. They call before XXXX. I've spoken with two representatives and let them know my husband and I are in the process of filing bankruptcy and that we are receiving over 5 calls a day, sometimes back to back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX  / XXXX XXXX  {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   {$240.00} XXXX XXXX XXXX XXXX   {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help

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 2020-12-07
Company: Healthcare Receivables Group, 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 status incorrect

Complaint:
On or around XX/XX/2020, I noticed a medical collection account was added to my XXXX  credit report. The collection account shows as Healthcare Receivables Group on my credit report with the original creditor shown as XXXX XXXX Hospital. I did not receive any written notice or communication about this debit nor any written communication that the debt would be placed on credit report. I had been making {$25.00} payments monthly, sometimes more so I did not understand why the debt was now a collection. Once I noticed the collection account, I contacted XXXX XXXX to find out why the account was now a collection, I was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Investigation took more than 30 days

Complaint:
I mailed dispute letters to experian, XXXX, and XXXX on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have experian, XXXX, and XXXX remove the accounts I disputed on XX/XX/21.

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