BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-14
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is against XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed a debt by written notice by certified mail, XX/XX/2018. I have yet to receive a completed validation of the debt within the 30 days of the first request with XXXX who was attempting to collect a debt for XXXX XXXX. XXXX XXXX  contacts me in writing XX/XX/2018 informing me that they reported the debt to a credit agency and that if I wanted to dispute this debt, I need to dispute it with XXXX. XXXX XXXX  reported this debt without notification that a dispute was in place. XXXX and XXXX XXXX  have not completed the validity of the debt request and therefore, should not have reported the debt unjustly. Furthermore, I was informed that XXXX XXXX  was required to purchase the debt from Navient, and I was informed in a phone call back in late XXXX that Navient no longer owed the debt, but XXXX XXXX did, so why would I need to dispute a debt that have already been disputed in writing with XXXX and XXXX XXXX. Furthermore, I was contacted by XXXX XXXX XX/XX/2018 informing me that my employer may receive a letter notifying me of wage garnishment. I understand that XXXX XXXX transferred there loan corporation over to XXXX XXXX, so why would they contact me and threaten wage garnishment way before I was permitted to dispute the debt. This is a tactic of intimidation and deceptive in nature. XXXX XXXX failed to disclose that they are a affiliated with XXXX XXXX. These tactics of these companies are not serving consumers, but infringing upon my right and possible others. As a consumer, I am expected to follow their procedural methods to address a debt, and they should be held to the same standard. I am not at all familiar with XXXX XXXX, XXXX or XXXX XXXX until now, and I believe wholeheartedly a scam is openly occurring to damage the credit and lives of many consumers. Please assist in this debacle as it relate to wrongful and unjust credit reporting and deceptive and intimidation tactics in attempt to collect a debt and wage garnishment. I just want fairness and I'm open to what is next. Please help me to attain fairness.

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 2020-10-14
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was in a accident XX/XX/XXXX, I was hit going to my daughter apartment. XXXX XXXX totaled the XXXX XXXX XXXX XXXX. I got this vehicle XX/XX/XXXX, from Carhop. I should have never got a vehicle because I had a XXXX XXXX first and when I took it too get a oil change they told us that we didn't have a drive shaft because the XXXX  can't be a AWD without the driveshaft. Carhop let me exchange the vehicle and I picked the XXXX XXXX. My payments were {$420.00} a month I made XXXX payments and on the XX/XX/XXXX XXXX XXXX  sent Carhop {$5500.00} and they still asking for more money, I been reaching out to them since the accident asking them what can they do for us. All I got was a email for a late payment and I don't know why they would keep having me pay on a vehicle we don't have. I was spending my whole government benefits to pay for that vehicle. Now I don't have a vehicle and now they are going to mess me and my daughters credit up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
XXXX reports that I was 30days late XX/XX/XXXX and XX/XX/XXXX, which is incorrect as outlined below : Payment due date was XX/XX/XXXX - payment was received and posted to my account XX/XX/XXXX - Payment due date was XX/XX/XXXX - payment was received and posted to my account XX/XX/XXXX. 

I have asked them repeatedly to remove the more than 30 day remarks as the payments were NOT 30 days late, which negatively effects my credit score. 

The account is current with XXXX balance. When I spoke with a resolution customer support individual at XXXX XX/XX/XXXX, I was told that there was no incentive to remove any derogatory remarks since the account had a XXXX  balance regardless if it was accurate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CITI BANK XXXX XXXX XXXX XXXX. TOOK OUT DOUBLLE MY MONEY.

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 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my 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 non-monetary relief
Consumer complaint received 2018-09-14
Company: JPMORGAN CHASE & CO.
State: SC
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:
As of this day XX/XX/2018 Chase Bank fails to verify that I own the charge offs that they are reporting on my Credit Report from all 3 CRAs I requested by certified mail on 3 occasions and complained on this portal and still no documents contractually bearing my signature as the owner of the accounts. And as of today XX/XX/2018 my XXXX XXXX still verified the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My chexsystems report shows three inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.

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 2018-09-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This complaint is in relation to credit reporting and debt collection, involving XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I've only been dealing with these companies the last couple of months, periodically. As recent as XX/XX/2018, XXXX XXXX  sent me a letter informing me that they had reported a debt on my credit report to a credit agency, Experian. I am very baffled by this action, but I currently have a written dispute with XXXX XXXX XXXX and XXXX XXXX  in place. Neither company have completed the validity of debt as requested within the 30 days when first requested. XXXX XXXX reported this debt without notification that it was being disputed. This is unfair and deceptive. I was informed by XXXX that XXXX XXXX purchased the debt, but XXXX XXXX indicated in the letter XX/XX/2018 that i must dispute the debt with XXXX. I have already disputed the debt with XXXX who was collecting on behalf of XXXX XXXX, and I was told that Navient, no longer own the debt. On my credit report, it indicates, I believe that XXXX {$0.00} and XXXX XXXX XXXX, which they added XX/XX/2018. 
Additionally, on XX/XX/XXXX, XXXX XXXX wrote me threaten that my employer would be contacted for wage garnishment. Initially, I thought why is this company contacting me about wage garnishment, attempting to collect a debt. I did not know nor did XXXX XXXX disclose that they were affilated with XXXX XXXX. This is unfair and deceptive in nature. I just want fairness and the intimidation tactics and unfair credit reporting to be removed. I would like to know the relation to all these companies because something is not right, and my rights are being infringed upon as well as, I'm sure many consumers. We as consumers are expected to follow procedural methods to dispute of a debt and these companies should be expected to complete the validity of a debt within the 30 days of the expected first request to the party who requested. This is a debacle and a scam that causing me distress and uncertainty. Please assist with fairness of this matter.

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 2018-08-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was added as an authorized user to Chase credit card which appeared predatory for emergency purposes only. As per my recent credit report the account shows 1 30 day late, 1 60 day late and 3 90 days late from a period of XX/XX/XXXX to XX/XX/XXXX with a chargeoff balance of {$8000.00}. I was not aware account was being paid late by creditor and I want these late payments removed because this debt does not belong to me as well as I want this collection account deleted from all three credit bureaus remove my name as authorized user. I did not co-sign on this debt. This negative activity has impaired my credit and I need all negative information removed from the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15
Company: TRANSUNION INTERMEDIATE 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:
In XX/XX/2018 I disputed the bankruptcy in my file when I pulled my credit. I sent it to Transunion to dispute and 30 days later it was still on. I wrote to the court address on my file and it was returned as no such address. I contacted them by phone and letter and they didnt really have anything to really say only that we cant do anything. The courts do not put public judgement on a credit report. FCRA LAWS and mandated Metro 2 format COMPLIANCE regulations require ANY and ALL data reported be CERTIFIED AS CORRECT, COMPLETE, and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting. I DO NOT AUTHORIZE you to RETAIN or report other

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 2020-08-27
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was informed I owed a debt of {$3900.00} from a XXXX  account. This account was opened in XX/XX/2004 in which I was XXXX years old. The owner of this account my grandmother passed and this account has appeared on my credit report 7 years later.

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 2019-08-31
Company: EQUIFAX, INC.
State: MO
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:
The credit reporting agencies has reinserted an account that was removed last year XX/XX/2018, inwhich the account was disputed and an affidavit for identity theft was provided. The company then removed the item but then without any warning the company XXXX XXXX XXXX XXXX ) was once again on my file. I'm demanding that this account be block and/ or removed immediately as it has caused me headaches and emotional distress. And has went against the consumer laws of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current mortgage is under my name and my ex wifes name. I have applied for a qualifies assumption to have the mortgage in my name only and have followed the banks directions. I have been denied twice in the past 6 months as they claim I do not have the sufficient funds for the closing costs ( {$1200.00} ). That is utterly false as I have more than sufficient funds to cover the closing costs and have even offered to pay the closing costs up front. The bank still refuses to allow me to take over my own mortgage despite having provided all necessary legal and financial documentation. I have tried multiple avenues to talk to supervisors, department heads etc, no luck. I have been with this bank for 30 years, and my credit is flawless, so I am at a dead end here. The bank has qualified me for a full refi ( closing costs over {$3000.00} ) so my suspicion is that the mortgage assumption is not as lucrative as full refi which I do not wish to pursue, please help me.

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 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion and XXXX are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is 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 2021-01-21
Company: Nelnet, Inc.
State: SC
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 XXXX of XXXX A late payment showed on 4 of my Nelnet student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX to remove late payment to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The truck financed thru Toyota motors was stolen and wrecked the insurance company covered total balance remaining on truck. I do not owe them a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
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:
I attempted to get a copy of my credit report due to many hard inquiries that i did not authorize. Experian online had me call a number that simply hangs up after giving all the required identity info.

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 2018-06-29
Company: Convergent Resources, Inc.
State: IN
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:
In XX/XX/XXXX XXXX reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXX but it finally was deleted. In may of 2018, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with 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 2018-09-15
Company: Navient Solutions, LLC.
State: IL
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:
after running my credit report I noticed that the navient company had not properly reported or recorded my loan being in forbearance, instead they recorded it as being late for several months for almost a year, after having this loan for almost ten years any time that I was having financial issues I would simply request a forbearance or deferment that was never contested and always approved, the company investigated and came back saying the info was accurate. at the time I requested the forbearance I was informed that the call was monitored and recorded. so there should be record of my request and a re-investgation should be done for the phone records to let the record show that I in fact did request the forbaerance acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX sent me a letter in response to my dispute regarding the validity of this account XXXX, ALSO two other accounts they have on file with the acct # shown as XXXX, but they sent me a bill WHICH IS NOT VALIDATION AND ONLY VERIFICATION OF AN ACCOUNT, addressed to an address that I have never resided as highlighted on my city of XXXX police department report ( attached ). also attached is the FTC report, and my 2016 tax returns showing my address at the time this account was created please remove this account from my credit report and correct the record, as I have sent several request and followed the law in providing this ID theft packet, which was also sent via certified mail with a return acknowledgement of receipt on your part.

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