BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacting the credit bureaus over TransUnion over 60 days ago and they have yet to comply with what I asked the to do. I recently got a copy of my credit report and found some information and account that didnt belong to me. I asked for the accounts to be investigated and they failed to do so.

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 2018-04-25
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I files a complaint with you all ( CFPB ) on XX/XX/2018 against Merchants Credit Guide account # is XXXX about a bill they have in there office for {$120.00}. I got a response from you all ( CFPB ). I did not want to fight the debt anymore and called Merchants Credit Guide this morning asking to pay the bill and XXXX XXXX or XXXX XXXX and his email is XXXX told me because I had filed a complaint with you all ( CFPB ) THAT I COULD NOT PAY THE BILL. SO I'M HOPE AND PRAYING NOW YOU ALL CAN HELP ME!!! CAN Y'ALL PULL THAT COMPANY TAPES AND LISTEN TO THEM BECAUSE THE SAID ALL CALLS ARE BEING RECORDED. AND YOU WILL SEE THAT THEY DO LIE. Like that lied in the RESPONSE they gave y'all with my first complaint that I made with y'all about them. My first complaint number with y'all on them is XXXX. I'm just trying to pay the bill and get this matter done and over with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a debt with National Credit Adjusters ( per attached letter ). They agreed to remove the balance and show it as " paid in full '' on the credit reports. They simply reduced the balance by the settlement amount I showed and reported THAT BALANCE to the credit bureaus. 

This is a violation of federal law including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Remitly, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I tried to send money to bank account with XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX  XXXX ) in XXXX into my family members ' accounts via Remitly ( https : //www.remitly.com/XXXX/XXXX/XXXX ). 
Turns out, that Remitly is misleading it's customers ( potential customer in my case ) by showing on their website that they are connected to eight banks in XXXX - however my family members in XXXX confirmed and reconfirmed with all these 8 banks that none of these have anything to do with Remitly at all. 
In the past I have used other services like XXXX and XXXX to a fair bit of satisfaction and I decided to try Remitly only as this time I thought I would send money directly into bank accounts. 
It is also disturbing to find out that Remitly is working with a bank like XXXX which was fined heavily in the USA ( XXXX : XXXX ) for wrongdoings in its NY operations. 
The worst issue with all this is that my relatives were unable to locate any office or officer/representative of Remitly in XXXX who could guide or comment. 
Thank XXXX I did not already send money and later find out that it is a complete and utter scam!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Navient Solutions, LLC.
State: MO
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:
When I consolidated my loans back in XXXX with Navient, they told me in 10 years I would be able to have my loans forgiven since I work for a non profit. 17 years later, I found out they were dishonest about my loan and I am still paying on it after working in the nonprofit field for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
Hello, Santander Consumer USA has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and Santander was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these  delinquent late payments that are on my account. To resolve this issue I would like Santander to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also Santander has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called Santander numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please note the pre filled automated options did not fit my situation. The FMS company based in Illinois contacted me about another person 's debt. The caller stated that they received information that I may know the person and wanted me to pass along information. I would like to report for this practice because now I am privy to someone else 's debt information. The company called me from XXXX. 

I was contacted on XX/XX/2018 at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: MI
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 WITH XXXX XXXX SINCE XX/XX/XXXX AND HAVE PAID IN FULL MY MONTHLY BALANCE AS IS REFLECTED IN THE PAYMENT HISTORY OF MY CREDIT REPORTS. THIS IS WITH REGARD TO XXXX XXXX ACCOUNT # XXXX THAT WAS SHOWN OPEN ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX. WHEN I WAS IN CONTROL OF THE XXXX ACCOUNT AND MADE MY OWN PAYMENTS, I PAID THE CARD IN FULL EACH MONTH LEAVING A XXXX BALANCE. DUE TO HOSPITALIZATION, THE COURT HAD ORDERED A CONSERVATOR, MR. XXXX XXXX, BE PUT IN PLACE WHO WAS SUPPOSED TO MANAGE MY FUDICIARY AFFAIRS WITH PRUDENCE AND ACCOUNTABILITY. 

MR. XXXX REDIRECTED ALL MY MAIL TO HIS OFFICE ADDRESS AT XXXX XXXX XXXX XXXX XXXX, MI XXXX AND TOLD ME HE CANCELLED ALL MY CARDS. I WOULD HAVE EXPECTED HIM TO PAY DOWN THE BALANCE IF I ASCERTAINED THAT THOSE CHARGES WERE MINE BUT THE COURT TOOK FINANCIAL CONTROL OUT OF MY HANDS AND LEFT IT TO MR. XXXX WHO NEGLECTED TO ACCOUNT FOR MY CREDIT HISTORY AND FINANCIAL WELL BEING. 

I HAVE NO IDEA WHETHER THE CHARGES SHOWN ARE MINE OR MR. XXXX 'S OR A RESULT OF MY VEHICLE BEING AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES WITH ID CARDS, CHECKBOOKS AND CREDIT AND DEBIT CARDS OF MINE IN THE VEHICLE THAT WERE NOT SECURELY DESTROYED OR RETURNED TO ME. I MADE THE REPORT TO XXXX XXXX THE SAME TIME I WAS RELEASED FROM THE HOSPITAL AND WAS TOLD THAT NEW CARDS WOULD BE RE-ISSUED AND THAT I WON'T BE LIABLE FOR CHARGES THAT ARE FRAUDULENT OR NOT MINE. 

I DO NOT KNOW IF NEW CARDS WERE INDEED ISSUED BECAUSE MR. XXXX KEPT ALL MY FINANCIAL AFFAIRS TO HIMSELF AND HELD MY ACCOUNTS WITHOUT GIVING ME ACCESS TO MY MAIL OR MY CREDIT/BANK ACCOUNTS. HE HAD NO RIGHT TO CANCEL OR MAKE CHARGES ON MY CREDIT CARDS.

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 2019-03-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was charged XXXX for someone to repair my credit and remove the medical bills which my children had insurance for all of XX/XX/XXXX-XX/XX/XXXX There are also 2 evictions in my report i have reported because my id social and birth certificate was stole 2 different times in XX/XX/XXXX and XX/XX/XXXX. It seems like someone is trying orderstuff i never approved for such as credit cards. Ive been back and forth with Experian and XXXX XXXX XXXX deleted the collections. I need the evictions and all medical bills removed i have proof of identity theft and i have the beginning of the police report. My identity has been used for several years and nothing has been done about it. Please help. XX/XX/XXXX-XX/XX/XXXX my address was XXXX XXXX XXXX XXXX ca 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 2019-05-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am disputing unauthorized and unverified accounts on my credit

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 2020-08-23
Company: Experian Information Solutions Inc.
State: DC
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 claim bankruptcy that was discharged in XX/XX/2011. XXXX XXXX and XXXX have removed this bankruptcy off of my credit report. I have repeatedly contacted Experian and requested that they do the same and they will not let me speak to a manager or give me a detailed explanation as to why theyre keeping a bankruptcy on my credit file for almost 10 years. When I ask for proof of where they are receiving their information, they cite to XXXX which is not always accurate. Experian is engaging in unfair consumer practices by forcing consumers to have bankruptcies appear on their credit report for an unfair and extremely lengthy time impairing a consumers ability to obtain loans or financing at fair interest rates and hindering a consumers ability to compete in todays declining market. Experian is nothing more than a company that should not have the authority or the ability to keep a consumers credit in ruins for roughly 10 years. As mentioned, Experians competitors, XXXX   and XXXX XXXX, have ethical practices and policies that Experian should be forced into conforming with or Experian should be banned from the market as a credit reporting bureau. Experians current practice is deceptive and unfair to the consumer.

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 2019-03-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be XXXX, Equifax and XXXX XXXX. I have been trying to work on my my credit scores since late XX/XX/XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 inquired on my credit that could have been avoid due to XXXX computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to XXXX, Transunion, and XXXX to resolve 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 2020-08-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX of this year I sent letters to XXXX, Equifax and XXXX to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be Experian, XXXX and XXXX XXXX. I have been trying to work on my my credit scores since late XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.

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 2020-10-15
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I opened a title loan with Title Max prior to the Pandemic around XX/XX/XXXX and have asked for assistance now and around XX/XX/XXXX. I was recently divorced and when the pandemic hit my ex-husband lost his income and then his job and now has been forced to file bankruptcy. This has affected my income as I am a co-signor to the mortgage, and other significant bills. Now this burden is on me. I explained this to the company today. Also, when the pandemic hit my company cancelled bonuses which I would have used to pay this loan off. This company will not offer any assistance although their President sent out an email and their website advertises assistance for COVID 19 relief. I sent an email to XXXX XXXX, President of the company and to their customer service and I have heard nothing. I called customer service and they told me to call the store, the store is not willing to do anything but offer me a few days to make the payment. I pay XXXX XXXX monthly. I have paid over {$10000.00} in interest alone while suffering the impact of financial loss. I do understand this is a loan that is intended for short term use, but, no one expected the pandemic to hit. This company is false advertising assistance that can truly help customers and this is appalling as other loan companies are truly helping. Definitely a loan shark company that doesn't care about customers. I want them to remove the Covid-19 relief from their website and to reduce my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX is currently reporting on my Equifax credit report an account that is not valid. Attempts to dispute the count with Equifax and directly with the company have resulted in negative results and the account remaining on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were contacted by US Bank via mail to let us know that we were eligible to have PMI removed from our loan account. We were told that if we paid {$100.00} they would send someone to do a home value assessment and that this was only a formality and we were at a 78 % LTV ratio. We went through the process only to find that this was not the case. The home was valued at $ XXXX exactly! which represents a {$3000.00} loss over a period of 6 years despite over $ 15k in home improvements, and put our LTV at 80.03 %. Just enough to refuse removal of PMI.This valuation is inconsistent with other recent valuations in our development. On further investigation at US Bank I uncovered that 80 % of these requests are rejected, according to employee XXXX. It is my belief that US bank is complicit in creating a false situation in order to either provide business for the company XXXX XXXX a XXXX XXXX company or they are attempting to " cover their bases '' in order to manage the risk on these loans in order to keep them packaged within higher grade traunches reducing risk structure for the bank.

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