BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: MO
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 noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : Equifax, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: SG and Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was report to XXXX. Never received written notification of this debt. Amount due is incorrect. Contacted the company to validate and requested documentation. Was immediately threatened with a lawsuit and wage garnishment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered an vac system from sears in XX/XX/2017 with. one year warranty when I call they say they didn't do the install yet I have paid almost 9000.00 dollars so far for the installation they keep passing me from department yet no one is the right department to handle my complaint I would like to know if they did not do the install why am I paying them XXXX dollars and XXXX on the side for an extra zone they refuse to service a system less then one year old yet im paying Citibank for an install they say they didn't do I am being scammed by sears and Citibank for a system they say they didn't install I have payed almost 9000 dollars and do not have. WORKING 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 2018-06-06
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint is the mortgage company who services our loan. They are reporting to the credit bureaus that we have been and are still late on payments with them. My wife, XXXX XXXX and I, have never been late. This has gone on for well over a year. We have spent over 100 hours contacting Shellpoint to fix our credit reports. We have called over and over, gone up the chain of command, emailed and wrote many letters to them. They told us that they had fixed the problem but it continues to show on our credit reports. We have written the credit bureaus many times just in case they were reporting the wrong information, it seems as if the problem lies with Shellpoint. The other issue is our rate is adjustable and rates are starting to go up. We need to obtain a new mortgage loan but can not because of these late payments. This has harmed has caused us a lot of stress, anger and frustration and it is hurting us financially. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
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:
The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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: Account information incorrect

Complaint:
XXXX XXXX  is claiming that my accounts, i have 2 with them are closed, and in Bankruptcy.. i have never filed for Bankruptcy or plan to, and when i ask for them to give me information on my accounts, their telling me i need my lawyers to contact them if i want any info.. i dont have a lawyer or need a lawyer if my account are in good standing. This is not right if they made a mistake with my accounts they need to fix them, and provide me information why this is happing to my accounts.

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 2021-08-19
Company: Experian Information Solutions Inc.
State: MD
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 have contacted XXXX XXXX XXXX via Validation of debt letters and via phone call to ( XXXX ) XXXX but have not received the validation necessary of leaving this erroneous account on my credit reports. Additionally, while the account is listed as a charge-off, they continue to increase the balance. I have attached the dispute letters sent to them along with the letters sent to the credit bureaus. I have not received the required verification for having the accounts on my credit reports and this erroneous account must be removed as XXXX XXXX XXXX has violated the Fair Credit Reporting Act. 

Certified mail receipt number 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 2018-06-06
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've used Navient to supplement payment for XXXX school since XX/XX/2009. In hindsight I have realized that they are incredibly misleading about the loan terms they offer. For example, they initially reassured me that loans do not go into re-payment while still in training ( ie residency ). However, what they didn't tell me is that 'deferment ' only lasts for three years. I also struggle to make payments due to my current circumstances. Every time I contact Navient they are extremely unhelpful in giving me information, options and directions of how to seek lower monthly payments. They are essentially incredibly unethical by not giving full information about their terms and services. They then put obstacles in the way to assist people in lower payments, achieving deferments, educating them on options, etc etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
XX/XX/2018 Fair Collections & Out Acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, 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 2018-06-06
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I co-signed for my daughter to get additional money for school. When I co-signed on loan I asked once she graduated could I be taken off the loan. I was informed my daughter had to make payments on the loan for a year after she graduated but I was also still responsible for the loan. On XX/XX/XXXX, my daughter applied to have me taken off the loan. It had been over a year since she is paying on the loan. On XX/XX/XXXX, I received an email regarding the outcome of the approval of removing me from the loan, and it was denied. I called XXXX XXXX today to find out why the application was denied and was informed because my daughter put her loan in forbearance and wish I was not aware of since I am the co-signer. XXXX XXXX customer representative tells me I had to wait until XXXX to reapply and be removed from the loan. XXXX XXXX loan has been paid on time since XXXX when the loan was approved, and my daughter has paid the loan on the till date. XXXX XXXX contract states as a co-signer I am responsible for the loan if my daughter can not pay it. However, they did not inform me the loan was going in forbearance which would give me the opportunity to see if it was going to hinder anything. However, XXXX XXXX put the loan in forbearance and want to hold me on the loan for another year. Also, when I look at the payments, the forbearance was paid o XX/XX/XXXX, and I applied to be removed from the loan on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: MT
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 have a credit block on my credit file through all three main credit reporting bureaus. I am trying to apply for a new loan. My credit union is under contract to only use Experian. I recently submitted a complaint against them because I couldn't unlock my credit file. I kept at it persistently and was finally able to get an unlock on my credit file, on XX/XX/XXXX. I placed the lift on the credit block from XX/XX/XXXX to XX/XX/XXXX. My bank could not view my credit report all day Thursday or Friday. Friday I contacted Experian. After waiting on hold for over an hour, I finally spoke to someone. The unidentified male told me to just wait until Monday, he was sure it would lift by then. Unable to get any further information from him, I ended the call. Monday the credit union was still unable to get my credit report. I then called Experian and waited two hours on hold. I finally hung up no able to speak to anyone. I then tried again today, Tuesday to speak to someone and after waiting one and half hours on hold, I hung up again, unable to get anyone to answer the phone. My application had to be completed today due to a deadline. They were unable to complete my application because Experian refused to release my credit report. Though they did manage to charge my credit card to release the credit report, but failed to actually release my report. By the way, that's called fraud. To pay for a service and not receive the service.

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 2021-04-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2018-06-06
Company: Resurgent Capital Services L.P.
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:
XX/XX/2018 XXXX XXXX XXXX acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
HSBC IS CHARGING ME FOR PURCHASES ON CLOSED ACCOUNTS. ACCOUNT XXXX IS A CLOSED ACCOUNT DUE TO FRAUD. THE COMPANY HAS PUT ON {$240.00} IN CHARGES ON THIS CLOSED ACCOUNT. THIS ACCOUNT SHOULD HAVE A XXXX BALANCE. ON THE ACCOUNT THAT XXXX  REPLACED THEY PUT {$14.00} ON THAT ACCOUNT. THAT ACCOUNT ENDED IN XXXX ON ACCOUNT XXXX THE COMPANY PUT ON {$70.00} FOR CHARGES I DID MAKE OR AUTHORIZE. OLD ACCOUNT XXXX AND THE ONE THAT ENDS IN XXXX  AGAIN WERE BOTH CLOSED DUE TO FRAUD. I WANT THE {$240.00} AND {$14.00} CREDITED BACK TO THE NEW ACCOUNT. ON THE ACCOUNT XXXX I WANT THE {$14.00} THAT IS NOT MY CHARGE PUT BACK ON THE NEW ACCOUNT IT REPLACED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: WY
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:
As early as XXXX as well as multiple supporting documentation and escalation to the specialty dept. including XXXX, XXXX and most recent, XX/XX/2018, XX/XX/2018 and again XX/XX/2018. I have supplied supporting payment information as well as calling the Collection agency and hospital to no avail. I am able to provide proof of payment and want this information deleted immediately from my report. 

Equifax is the only agency that still reflects this information and it appears there is a black hole when sending supporting documentation. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
To whom it may concern, I am being hit with a hard inquiry on on XX/XX/2018 from capital one which was not made be me and was 100 % fraud. This was not authorized by me. I called capital one regarding this fraud and they put on with there higher representatives.

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I walked into TD bank in XXXX XXXX to withdraw my money that was deposited and cleared long ago. XXXX the Manager refused to give me my money because she said it was to big of an amount. She the. Said she could give me a couple of hundred dollars however I needed much more to pay my rent. She told me because she could not verify me even though I had my liscense that she wouldnt give me my own money.

Company response to consumer: Closed with explanation