BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Letters were sent to all 3 credit bureau 's over 30 days ago and we have not received a response yet.

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 2017-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my report from  XXXX   XXXX   XXXX    XXXX   and from  XXXX   XXXX . I contacted  XXXX   XXXX    XXXX   @  XXXX  and spoke with  XXXX  employee #  XXXX  and he was unable to find any applications for me, and he even checked the archives. I contacted  XXXX   XXXX  and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries :  XXXX  Inquiry :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX     XXXX   Inquiry : XX/XX/XXXX   XXXX  Inquiry :   XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX  Inquiry : XX/XX/XXXX  XXXX   XXXX   XXXX  Inquiry : XX/XX/XXXX ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  . Please remove all of these inquiries because they do not belong to me, and were not authorized by 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 2022-02-14
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-13
Company: Russell Collection Agency, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Russel Collection Agency in XXXX MI has reported 4 accounts to my XXXX credit report. These four accounts appear to be from ONE medical bill but have duplicated as 4. They refuse to provide me proof that I in fact owe this debt. I do not recall ever using the services of the XXXX XXXX XXXX that they are collecting for. I have sent multiple requests in writing to them asking for debt verification and proofs to be sent to me. I have not received anything back from them. I had never received a bill or anything from the XXXX XXXX XXXX. My medical insurance would have paid the bill had a bill ever been sent out to me or my insurance. I would also like to point out if someone did have a bill with this medical center it would be ONE account and not FOUR as was reported to my credit report. I have also filed Bankruptcy and since they would not send verification of this debt or remove it from my credit report it was added into my bankruptcy. So the account shows a XXXX balance on my credit report HOWEVER it is still showing up as FOUR collection accounts and as an open file. Since I filed bankruptcy the file would be closed. I do not owe this debt and it is not right for them to continue to report that I do and refuse to provide me with proof and refuse to remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
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 filed a complaint on XXXX XXXX, 2017 that XXXX is reporting erroneous information on my credit report from XXXX XXXX XXXX XXXX and they closed the complaint and responded that the account is in litigation which is not true. I have filed an identity fraud complaint with the Federal Trade Commission several months ago because erroneous information keep appearing on my credit reports. I would like to have this matter resolved before taking the next step of filing a complaint in court because the credit reporting agencies were aware that I am a victim of identity heft, yet they continue to report erroneous information in my reports, which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Providian Finance , out of  XXXX   XXXX  has called repeatedly, threatening charges to be filed against me, as well as being served with papers at my place of employment and at my home. They have also called my father leaving the same message under a law firm called    XXXX   XXXX   XXXX   . I have researched this company, and they are calling under false pretense.  <P/> I have not answered their calls, phone numbers include : (   XXXX    )   XXXX   (   XXXX   )  XXXX   and unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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 have Navient and got the loans for school but I became injured and am now  XXXX , I kept putting the loan into deferment. I Recently lost my husband in  may  of this year and ca n't afford to pay  it.I  a living month to month.I have sent in letters and they just keep sending bills.I just can not afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Experian Information Solutions Inc.
State: OH
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:
On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, XXXX, Experian please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX CO XXXX XXXX, are listed wrong please delete bankruptcy.

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 2021-09-20
Company: Lenox Financial Mortgage Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AZ lender Weslend Financial XXXX, NMLS XXXX is running ads on AZ radio advertising 2.1 % interest rates, which I believe is a triggering term, without any additional info on type of loan, term, or down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been requesting validation of debt since XX/XX/XXXX, XXXX convergent outsourcing have not Verified debt is mine/I owe them money. 
I have sent 4 letters requesting proof. 

The first letter sent was XX/XX/21 The second letter sent was XX/XX/21 The third letter sent was XX/XX/21 The fourth letter sent was XX/XX/21 I asked for proof of licensure They are not license to even collect debt in Illinois. I have sent all this information to XXXX  And they have ignored every document sent. 
Im sending all documentation to states attorney general/ cfpb /FTC. 

I am filing this document for further proof moving forward ..... 

I want XXXX  to remove invalidated debt from all XXXX  and all background agencies, immeadiately.

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 2022-02-14
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My name is XXXX XXXX. On or about XXXX XXXX, XXXX, Bank of America changed my mortgage loan from a principal to a principal and interest loan. Previous to that, for a period of approximately 10 years, BofA had automatic right withdrawals to my account. 

When the nature of the loan changed, BofA stopped the withdrawals from my bank account. BofA claimed it sent me mail notices, but conceded it was sent to the wrong address. I had never, ever been late on a mortgage payment with them, or any other bank. 

By the time I found out about the mistake, around XXXX XXXX, BofA had filed a complaint and badly hurt my credit. 

I hired an attorney to handle the matter, who sent them letters on XXXX XXXX and XXXX XXXX. BofA never even bothered to respond to either inquiry. 

I would like BofA to remedy this wrong and withdraw their falsely alleged complaint to the Credit 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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On  XXXX   XXXX , I sent the following letter to  XXXX ,   XXXX  , and  Trans Union  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from  XXXX  or  Trans Union .

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 2017-07-12
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was originally on an interest-only repayment plan. I received a letter stating that repayment plan was going to expire and I was not eligible to renew it. Before it expired I tried calling the company to find out about what payment options I had and I got jerked around for weeks. They kept telling me they could n't talk to me about it until my current plan actually expired because all they could look at was what my payment plan currently was and not what it could be in the future. They said the only way they could talk to me about future plans would be if first I voluntarily cancelled my current plan early. When it finally did expire and the new plan started, my monthly bill almost tripled. The current monthly amount due is about 40 % of my monthly net income and is hundreds of dollars more than what I have left over after I pay my other bills. I called and tried to set up a different payment plan because I could not afford what they were billing me for. They asked me a bunch of questions about my financial information and about my cosigner 's financial information. They told me that I did not qualify for any repayment plan besides the one I was currently on. They said it did not matter that it was an impossible amount for me to afford and suggested that I tell my cosigner that they had pay the difference. I 've been paying them what I can every month, but it is a lower amount than what they are asking and it 's starting to become a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: ARS National Services, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I contacted XXXX XXXX first I put my last 4 of my acct in collections in and got connected to ARS. I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, XXXX XXXX does so I would have to call them and they gave me the number. I then called, XXXX XXXX back, spoke with the 1st rep which said they would help then connected to the second rep in collections and I requested what I told the rep with ARS a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
continuous, technical failure and inaccessible, live, bank clerks at phone answering systems and main, bank headquarters phone have repeatedly prevented attempted activation of my, new, bank, debit card at both, bank, customer service, phone numbers, which repeatedly respond ; that I entered incorrect, bank, debit card and social security numbers ; when I entered only correct numbers, and the on-line, bank website and customer log-in and complaint, phone numbers repeatedly respond ; that I still need to select and receive a debit card style and number ; when I already have both of these to enter without on-line means to proceed and access required, customer account registration for card activation ; which has repeatedly prevented activation and use of this, bank, debit card and essential, bank card transactions and cash withdrawals for more than two weeks

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 2022-02-14
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft in the past and they are 4 accounts that are still reporting on my report and I need them remove. 

I have filed a police report and sent to the XXXX bureaus, however it still showing in some of them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started the process of renewing my IDR plan about 3 months ago. Since that time, I 've received a few emails from FedLoan saying something was n't accepted or that I needed to choose a IDR plan eligible for PSLF if I wanted to continue working toward forgiveness. Each time I 've gotten an email, and it 's been at least 4 times, I 've called FedLoan. Each time, I 've been told that I have uploaded the proper documents and tax information. Last week, I received an email saying that my request was n't processed and that my next bill would be {$4600.00} instead of something close to the {$210.00} I 've been paying for a year. I called and was told that my tax document was n't what they needed. This is after being repeatedly told over the past 8 weeks that the information I uploaded was correct. I 'm now being told that I will likely have to go into general forbearance which would cause my loans to capitalize, adding a several thousand dollars to my bottom line. I spoke with someone today who said I may get an " administrative forbearance '' which may keep my loans from capitalizing but he could n't guarantee it. I 've spent at least 20 hours on the phone with this company and have sent several emails, most of them which have n't gotten a response, since this problem started, and there has been no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: Phoenix Asset Group LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX have repeatedly called family members and my employer to harass them stating that I was going to get a parcel on Wednesday containing legal documents. I called the company and asked them to cease and desist all calls and they said they would not do that unless I agreed to settle the debt. They also said legal action was pending in XXXX XXXX. I told them I already checked the court data base and I have no litigation. They said it wouldn't show up yet, because it was pending. 

I told them that they were breaking the law with their practices, and that they needed to cease and desist, and they refused, saying the law doesn't apply to their company and they will do what they want however they want to. 

I told them that I may be willing to settle the debt, if I see it in writing, and they said they would only send things in writing if I agreed to pay, and then said I " was a snake. '' I fomally dispute the debt.

Company response to consumer: Closed with non-monetary relief