BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
This company continues to violate my consumer rights as i show proof with the attached documents showing how this company does there investagation without proper prodcures. Then they come an tell the CFPB that they either need more time or they did a correct investagation on a consumer dispute. I have asked this company to show mr proof of what they verified and who they verified it from but i yet have not gotten anything that clears that what i have asked for as a consumer. I continue to explain the US law 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A. It also state 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 2021-01-20
Company: I.C. System, 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: Their investigation did not fix an error on your report

Complaint:
I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX of XXXX I initiated an balance transfer for {$6200.00} from XXXX XXXX ( total rewards XXXX ). After three weeks I contacted the bank through secure messaging. I informed them that the transfer was not received by XXXX XXXX. I have called them multiple times and always get a run around and have never been contacted by anyone by phone. After the last call the send a letter stating they are working on my inquiry ( dated XXXX/XXXX/XXXX ) ... this was the second letter. So now for 5 months I have been paying the balance on two credit cards. 

I feel I have exhausted extensive time to solve this problem with this bank and do not see a resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Number : XXXX Bank Number : XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Keeps showing late payments history. Transunion/XXXX XXXX will take it off one month and the next month it will appear back 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 explanation
Consumer complaint received 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX. I am writing this complaint because today I was looking up my credit score something i have not done before and I came across it being low. I went to see why and someone pulled out loans in XX/XX/XXXX and XX/XX/XXXX in my name and I need to get this resolved and fix my credit. Please let me know what I need to do in order to get this mess figured out. My email is XXXX. 

Thank you

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 2020-01-30
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: Their investigation did not fix an error on your report

Complaint:
Attached are 6 counterfeit note report for each individual debt Please send to agency listed on each counterfeit note report. 
Debt has already been paid in full Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name? 

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract. 
# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.

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 2021-09-06
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I make my payments on time every month and every month I have to call to get them to report my payments to the credit bureau on there site the screen shoot I sent has not been updated since XXXX I calll the company and they do nothing to fix it you are in XXXX last on the report is the credit bureau was in XXXX hey attached a photo of the credit report this is really ridiculous because if I missed a payment they will be very fast to put that on the credit report should I have to deal with this every month

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 2021-01-20
Company: Mortgage Research Center, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Over the course of the last two months, I have made additional principal only payments in various amounts, Instead of applying the principal payments to the remaining principal balance, Veterans United Home Loans has advanced my due date of the next regular monthly payment. I have made all my regular payments, I have never been late or missed a regular payment. I have sent them several messages thru the company payment internet site, With no resolution, I have rated their service on their website and got a call back from a XXXX XXXX ( XXXX ext XXXX ) on XX/XX/XXXX who has told me problem can be fixed if I make another regular payment, which I did with some more " extra Principal payment. This caused my regular payment due date to advanced by yet another month ( XX/XX/2021 ) and that additional principal payment caused my regular payment to be reduced in the amount of the " extra principal '' I have sent XXXX a screen shot this, and have not received a reply. I also reached back out to XXXX a few days ago, and got no reply, I have sent XXXX screenshots of my bank statements showing the payments they have received from me, the meanwhile I am being charged that interest on a balance that should be lower. 
This loan has no penalty for early payoff, I do not wish to be 3 months ahead on regular payments, all that extra money was for the principal as I have selected when I made the payments and have made very clear to Veterans United. Thank you

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 2018-03-27
Company: AmeriHome Mortgage Company, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I faxed the property tax statement to Amerihome as requested loan XXXX, I was told they will adjust the escrow for the XX/XX/XXXX payment and I would get a call in 3 days about the change. I did not get a call. However I never get the accurate information from XXXX  since they took over the mortgage, it has been a poor relationship.

On XX/XX/XXXX I get my updated mortgage statement, and the escrow was increased. not decreased as expected they have {$2400.00} for property tax when the tax statement is {$970.00} for the XX/XX/XXXX year. I called and they showed no record of the statement, until I gave them a date when the fax was sent, and received. Then they located the information, again I was told they will do the correction and give me a call in 3 days. I told them I will not expect a call because I was told that in the past and it does not happen, I can not get any correct information in any matter with this company since XX/XX/XXXX of last year. There service and trust is very poor and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Navient Solutions, LLC.
State: CT
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 have been paying my student loans to Navient at {$450.00} a month and when I approached the pay off date for my 2 of my 4 student loans ( XX/XX/XXXX ), Naviet claimed the loans were under reported and therefore I owed additional money. I paid the additional money and they issued new payment coupons. I received a payoff letter for the first 2 loans ( XX/XX/XXXX ). I continued to make payment per the payment coupons they issued and thought I paid off the remains 2 loans with the XX/XX/XXXX payment. However, I received a billing for additional money which they claim was again the result of under reporting for these loans. Even though they amended the payment coupons and issued new ones starting in XX/XX/XXXX.

When I call to question these errors all they do is send me listing of my last 50 payments which show I make my payment but do not explain or justify how I could owe additional money again to pay off these loans. How is it possible that they can not know the payoff amounts or accurately issue payment coupons. They expect me to accept their claim for additional money owed without any justification other than it was calculated in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Webcollex, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I disputed a collection account with experian. On XX/XX/XXXXthey updated my reported stating XXXX XXXX XXXX   has verified the information and it will remain on my report. OnXX/XX/XXXX I sent a request for validation to XXXX   requesting they validate that the debt owed was indeed mine. On XX/XX/XXXX I received a letter in the mail from XXXX. This letter was not signed by anyone. I have no clue who sent this to me. It was not proper validation of the debt. It is a poor account statement. After reviewing the statement sent and then reviewing my Experian report it came to my that the statement they sent and experian have different information. The original name amount and account numbers are different. I called Experian to have this account removed from my account and they said they can not do that. The already verified the account and stated though they do not receive documentation from the creditors that the creditor did validate the debt. I asked how was it validated if clearly the information reported is inaccurate. Experian stated that I can redispute without guaranties it will be removed but they will not remove the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently sent requests by mail for my full investigative file from TRANSUNION. My requests were repeatedly ingnored. I received credit reports in the mail dated XX/XX/21 & XX/XX/21. I specifically requested my file and stated the request should not be confused for a request for my credit report. I have sent follow up including a bill of particulars for this violation.

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 2019-08-09
Company: Patrick K Willis Company Inc
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019 XXXX XXXX contacted my employer. There was someone who said they were " investigator XXXX '' and if I didn't contact them immediately I would be arrested. They called my employer several times throughout the day leaving harassing messages. I called them asking them to stop calling my employer. They refused. They contacted my employer on XX/XX/XXXX and XX/XX/XXXX. They then contacted my landlord and told him I would be arrested.

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 2020-05-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I contacted Chase in regards to a deferment of my mortgage payment due to the COVID-19. Representative said she enrolled both my mortgages into the 90 day deferment  payment assistance program. I was told on a recorded line that I would not have to make my payments for 90 days and before that time was up they would call me with my options at this point its to early to say what will be done at the end. On XX/XX/XXXX I received an alert on my credit report that I 30 days late on my mortgage. I contacted Chase in regards to this, they reviewed my account and will listen to the phone call to review. Chase did waive the late charge for XXXX. I heard back from Chase and they said the correction is being sent to the credit team and it will be 3-4 days. I explained that due to the COVID-19 i may need to get a loan and this will change my credit report in a very negative way, I have never been late and have paid an extra {$110.00} payment each month for many years, I have called back various times and they are still working on it .I have been denied a loan due to my credit score which has went down due to chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call at XXXX XXXX  on XX/XX/2018. I asked who was calling and what it was about and the girl only told me her name, which is XXXX. I asked several times what her call was in reference to and all she said was that it was an important business matter. I hung up and researched the number which is to NCB Management Service which is a Collection Agency. I was not told during the call that it was an attempt to collect a debt, only that it was an important business matter. These people have been calling me 4 to 6 times a day. I am XXXX, have XXXX due to a XXXX XXXX problem and a XXXX XXXX. First they will call my home number and then my cell phone number during the day every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is XXXX XXXX and I am writing in regards to the Public Service Loan Forgiveness program. 
I have been a XXXX XXXX XXXX XXXX teacher for 20 years. I have been inconsistent with payments because of financial difficulties, however have paid what I can through the years. I began paying loans in XXXX and those payments are not being used as qualifying payments, only payments made after XXXX. I have applying 5 times and been denied each time, even though current rules say that the payment type is being waived. Recent media has stated that work credit will be given in place of payment history. I have also accrued almost XXXX dollars in interest throughout the life of my loans. Please help! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: LA
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:
When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation