BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion was immediately notified of the IDENTITY THEFT and FRAUD regarding CRB Upgrade and XXXX XXXX. A FREEZE was initiated on my report yet, they still report the DISPUTED FRAUDULENT CRB Upgrade account and several FRAUDULENT inquiries. 

TransUnion has blatantly refused to comply with the FCRA for five consecutive months and counting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
2 hour wait time with experian or more on all their lines and I still can not get through. They are charging me and not letting me cancel!

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 2019-08-25
Company: Accelerated Recovery Services, Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from XXXX at XXXX XXXX He stated he was working with a law firm to collect the debt from a car crash I was in. I stated to him was he a debt collector he said no. Then proceeds to tell me if I dont pay {$250.00} that he will have my license suspended. I told him I couldnt afford said payment. And he was like Im send letter to your house make a payment by then or expect you license to be suspended. That is using false and miss leading information and threatening Tactics. He never stated he was a debt collector and any information will be obtained for collection of said debt. I never refused to pay and still dont. Suspension of my license is criminal not Civil.

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 2017-09-14
Company: Green Trust Cash, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX I was applying for a loan this company said it would call to verify info.. i never talked to anyone I have a screenshot from there web page that says no money will be deposited till they talk to me.. I also needed to edit my weekly pay and it would n't allow me it kept going back to XXXX weekly .. who needs a loan with that kind of money.. I 'm a XXXX and my pay is around XXXX-XXXX weekly and my payments are XXXX a week it can not afforded these payments .. this company is located in Montana

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-30
Company: First Financial Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... FST FINANCIA  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. I have disputed this with XXXX and they sent me an updated copy of my credit report and this is not appearing. Re-aging a debt is against the law and inserting inaccurate information is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: HW Holding, Inc
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX Hunter Warfield, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have exceeded my rights as a consumer numerous times under 15 US code 1681b permissible purpose and I have yet to have a resolution

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 2019-08-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 I mailed XXXX XXXX XXXX / XXXX XXXX XXXX, and XXXX XXXX XXXX a debt re-payment contract agreeing to pay {$25.00} per month starting XX/XX/2019 until my debt is paid. XXXX XXXX agreed by cashing my post-dated check. XXXX XXXX is reporting that my account ( s )  are delinquent/charged off. XXXX XXXX cashed my post-dated check ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my HSBC Online Payment Account in 2018. There was somewhere between $ 100- {$200.00} in my account at the time. Before closing the account, I updated my address to my current address. 

HSBC never updated my account and never sent the check for the closed amount. 

I have tried to resolve this with HSBC 5 separate times. Each time, after 30-45 minutes on the phone, they promise to send the check. 

They have effectively stolen these funds at this time. I am beyond upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Radius Debt Collection reached out to me from complaint XXXX. In their communications they do not give a mini-Miranda and claim even though they are a debt collector that they do not have to say This is an attempt to collect a debt, any information obtained may be used for that purpose I have attached a copy of their letter and I find them to be dishonest in their conduct. I am requesting that you please reinvestigate them for improper conduct under The Fair Debt Collections Practices Act and with CFPB standards and Practices. 

They also say that this item is in litigation to the CFPB/FTC when it is not. No lawsuit has been filed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I contacted Ed Financial to receive a refund for the payments made during pandemic period started in XX/XX/XXXX through today. Total should be roughly {$2800.00}. I was told I would receive notification once its complete. I have yet to receive any correspondence that this is in process, request received, or completed. I called again to ask about timeframes and they informed us there is no information that can be shared and it can take almost 6 months to complete. As I plan to apply for student loan forgiveness, 6 months seems way too long. I would like to file a complaint because I feel completely left in the dark. There is no trace other than my call log that I have requested this refund and no glimmer of expectations received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: SLM CORPORATION
State: IL
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:
Each time I would contact the Sallie Mae staff about my private student loans, I was told assistance options were not available. 

I was looking for option to consolidate or reduce payments similar to my federal loans. ( consolidated and placed on an income-driven-repayment plan ) My payments with Sallie Mae were roughly {$700.00}, that I was unable to afford based on my take-home pay of roughly $ 25K. 

Therefore I was not making payments on my loans since repayment options were not available. My loans have now gone into default. 

I have been dealing with a rather patronizing account manager who again told me that dropping my payments are not an option. Even though I told him a reduced payment of {$300.00} is not feasible with my pay. He explained that I needed to provide him the dollar amount and not assume he would provide me with a number. 

My cosigner is involved in this serious matter and I hope to rectify it, and not have this tarnish his life as much as it is effecting mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Collection Bureau of America Ltd.
State: UT
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:
CBA Collection Bureau # XXXX is reporting a collection on my account that should no longer be there. This collection is past the statute in Utah and I no longer owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Credit Card Report # XXXX for XX/XX/19 both cards ending on XXXX  report account last XXXX XXXX & XXXX page 3 of 10 show ( ND ) in which the payment was made on XXXX XXXX   has error after error in reporting the correct information. Also XXXX   wants to blame the reporting company it goes on and on with XXXX   reporting info correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Navient Solutions, LLC.
State: PR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a debt with Navient Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to XXXX. XXXX is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to Navient. I asked them to please return my account to Navient or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in one payment to make this fast and they refused. I am able to make the monthly payments to Navient again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: CA
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  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-08-25
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Monday XX/XX/2019, I noticed that my wife had an alert on her credit file from a collection company. The Debt was in reference to a apartment contract that was not fulfilled " supposedly ''. I called Rent Recovery Solutions LLC in reference to this matter. I spoke with a lady and told her that my wife was not a lease holder on the lease that she was only a occupant per the lease. The lady reviewed the lease and confirmed that my wife was only listed as a occupant but then she stated that my wife was still responsible even though she was not a lease holder. I asked how is that possible when the contract was only between Me XXXX XXXX and the Landlord/ Property management company. She stated that the law says anyone listed as a occupant over the age of XXXX is contractually responsible for the lease. I told her that was false and that the contract was between me and the property. The lady became really rude and I then asked to speak to a supervisor. The supervisor basically echoed what the represenative said. She told me under Georgia law that anyone over the age of XXXX that is listed as a '' Occupant '' is contractually responsible for the lease. I know this statement to be false and she quickly rushed me off the phone and said they aren't going to do anything about the account being on my wife 's credit report even though my wife never signed anything pertaining to the apartment in question. Because of this my wife has been denied credit and her credit score has suffered. I also told the Supervisor that the amount was wrong and that I gave more than enough notice to the property pertaining to me not renewing my lease. I told the lady who I gave it to as well. I know that at that particular property they were having a lot of staff turnover and everything was lost in translation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed an unauthorized balance transfer on my savings account, amounting to XXXX from 3 different transactions. The transactions were made on XX/XX/XXXX, XX/XX/XXXX and XXXX. When I found out about it, I immediately reported it to Chase claims department. I followed up on my case today, XX/XX/XXXX and was told that the fraudulent transactions on my accounts were valid even though I told them that I never used my savings account to transfer money to an external account. I only do XXXX from my checking account. They said that if I have no other evidence to support my claim that it was fraudulent, there was nothing else they could do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25
Company: MRS BPO, LLC
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 status incorrect

Complaint:
XX/XX/19 : Paid XXXX XXXX what should have been my final bill but still received a subsequent bill.

XX/XX/19 : Switched from XXXX  XXXX to new service.

XX/XX/19 : Returned all XXXX equipment to them.

XX/XX/19 : Received final XXXX Bill. Called immediately to dispute charges but was unable to get immediate assistance.

XX/XX/19: Took the day off from work and was finally able to reach a representative who explained the bill. Still didn't agree with the explanation but we could not come to an amicable agreement. I explained that my contract buyout was in process and that I would pay the bill by XX/XX/2019.

XX/XX/19 : Received email notice from MRS BPO , LLC, XXXX had assigned them the account. MRS BPO provided 2 payment options. I opted to make 2 payments of {$220.00} due XX/XX/19 and XX/XX/19. I made my first payment XX/XX/19.

XX/XX/19 : Called MRS BPO to clarify payment agreement because I received a notice which stated the option I chose would not pay the bill in full. Representative said the option had expired on XX/XX/19 but there is nothing in their records that shows this and the rep agreed to accept the final payment. She assured me that my bill would be paid in full and accepted my credit card payment by phone. 15 minutes later I receive notification that she placed the account on my Credit Record. It dropped my credit score by 54 points. I am in the process of buying my retirement home and this can either impact my interest rate or lead to me being denied for a mortgage all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon, I receive continues and annoying phone calls from this debt collector. They do not let me finish when I try to explain that I am not the person they are trying to reach. This is every day and every week. 

This needs to stop please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: SC
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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX, account # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information other, than records of conviction of crimes which antedates the report by more than seven years.

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