BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
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: Information belongs to someone else

Complaint:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and request to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. The bureaus are engaging in a blatant disregard of section 1681 c of the FCRA which states : According to the FAIR CREDIT REPORTING ACT " FCRA '', Section 1681 c ( 2 ) Block of Information resulting from Identity theft Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of ... Appropriate proof of identity of the consumer ; A copy of an identity theft report. The identification of such information by the consumer ; and A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.

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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am having an issue with car hop/ universal aceptance. I have called the number but no one can find my accounts. My account that they say i havent paid keeps getting sold. Why are they still reporting on my credit after 7 and 9 year??? These items were open in XX/XX/XXXX and XX/XX/XXXX. Per regulations i seen with fair credit it should be off. Even though the company has sold the account these are old accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!

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 2021-04-27
Company: United Home Loan Services Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, United Home Loans Services Inc. offered a 15 % down payment on an investment home. After a few days of looking around I took the offer on this day. 


On XX/XX/XXXX, United Home Loans Services Inc. smoothly tried to sell me on 20 % down payment. Since the purchase price decreases, I declined the offer. She stated that the lender was no longer offering the offer of 15 % down. We had already sign documents and completed paper work stating the 15 %. 

Bait and switch is my concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX I was contacted by XXXX that I had an individual mortgage with a past due amount. 
I disputed it knowing XXXX could not have documentation given that Ive ever owned that property. Even without documentation Experian still backed XXXX claim against me. Previous to this my credit score through Experian was XXXX, and after dropped to the 500s. XXXX never asked me for any money, instead they harassed me and ruined my credit. 
The documents that they had was a note I co-signed on XX/XX/XXXX. For the amount of {$97000.00}, with payments of {$1200.00}, at an interest rate of 13.03 % for the term of 179 months which ended XX/XX/XXXX. 
There is a new contract under just XXXX XXXX, who is the only signer, I am no longer a co-signer, my name was completely removed on XX/XX/XXXX. I was never notified of the new contract until XXXX. 
On XX/XX/XXXX the sole signer ( not me ) took out a XXXX mortgage in the amount of {$4300.00} making the total loan amount {$92000.00}. Both the payment and interest rate changed and the duration of the new loan note went to 27 years. This was not a modification but a whole new contract with just XXXX XXXX as the only signer. 
On XX/XX/XXXX XXXX transferred the loan to XXXX XXXX. I again disputed it but to no avail. I never received any documentation from XXXX XXXX regarding any loan. They did admit during a phone conversation that some of the documents they had were unsigned by me. 
On XX/XX/XXXX I got help from the XXXX XXXX XXXX XXXX XXXX Nevada who were finally able to obtain the documents XXXX XXXX had. In a correspondence with The XXXX XXXX XXXX they stated I had a sound legal basis for dispute. 
On XX/XX/XXXX The legal aid accomplished all they could for me given their resources and suggested I contact Consumer Financial Protection Bureau. 
This situation has affected my credit score and livelihood. I will be XXXX years old in XXXX, living on a set income from Social Security of {$1100.00} per month. As a result of my now lowered credit score I can not get approved for new low-income housing, which is needed because my rent has gone up. I was unable to get a good rate on my car loan, and even my car insurance has increased because of the low credit score. Most recently on XX/XX/XXXX I received an email that XXXX XXXX XXXX closed my credit card through them in which the account was at a XXXX balance and I'd never sent a late payment. 

I have almost 30 pages of documents to use to make my case. 

I have been fighting this for three years, and am hoping you are able to help. 
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 2017-09-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt with all the credit bureaus as well as a direct dispute to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my grandparents to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against 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 2020-11-04
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2015 I was ecstatic to be getting my first car. I had doubts because my credit score was awful, but I figured my {$1300.00} down and {$1000.00} trade it would get me what I wanted. It didn't. I wasnt approved. The company told me that adding my mom as a Co signer, even though she was XXXX and getting a small monthly check might help. We tried adding her and it worked, but the rate was awful {$330.00} a month, but they pretty much intimidated me and took advantage. They knew I wanted and needed a car. Recently the car company Santander has been in a class action lawsuit. They have settled for {$550.00} million dollars, yet they want to pay us victims {$240.00}. I have not gotten a notice yet, but I have too be in this lawsuit settle. I was affected. I still owe more on the car a before. I have no relief options. I have been forced to extend the loan so my car would not be repossed many times because thats all I was offered. Its not fair and Santander needs to pay and more that $ 200+ dollars to me, to anyone that bought a car from them and have been struggling for long as I have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a Debt Validation letter to Dynamic Recovery Solutions for a medical collection on XX/XX/XXXX. After I sent out the Debt Validation letter I then received a letter on XX/XX/XXXX from Dynamic Recovery Solutions which failed to validate my debt. Instead they send a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: MN
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 am insulted that Experian said in my last dispute that I had a credit repair company respond instead of me. I have attached my identifying information to this complaint. Experian is playing games. If they dont want to be sued they will comply and stop breaking the Fair Credit Reporting Act. I have sent disputes since XX/XX/XXXX and get no response back. I have attached proof Experian has removed this account back in XX/XX/XXXX, so theres no way for it to be added back on without following the FCRA laws. 
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a deletion for violating FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). Under this FCRA law, Experian was required to notify me of the reinsertion in writing within 5 business days. I received no such notification from Experian. Experian has been non-compliant. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. Experian continues to verify this account thats not accurate and unverifiable. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act.

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 2018-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX & XXXX XXXX Short sale was started with Chase on XX/XX/XXXX. We have sent the Purchase Contract and the HUD in to Chase multiple times, and even after confirming receipt and saying they are legible, Chase is now again claiming they can not read them. They requested a change to sales contract on XX/XX/XXXX, so obviously they could read it at that time. Now all of a sudden it's blurry and hard to read??? Chase has also just now requested an extension to the listing agreement, since they claim it expired in XXXX. They have had the listing agreement for several months and are only now refusing to move forward without a listing extension?? 

Chase is using these as an excuse to not work on the short sale and push this into foreclosure. 

Chase stated that HUD/FHA approved the borrower for Foreclosure Avoidance Options. However, Chase is refusing to issue the ATP. They are claiming that the " eligibility for pre-foreclosure options '' is what was received from the FHA in Friday and is not the ATP. They claim that that in order to postpone sale they must have the requested docs today ( XX/XX/XXXX ), that there is no guarantee of approval for the ATP, and that the FHA may decline to provide an ATP due to sale date being so close. The ATP comes before an offer is even reviewed. I have attached a blank ATP form as Chase appears to not know that they are and has no idea how to LEGALLY SERVICE AN FHA LOAN. The ATP requires 120 days for marketing and must be issued without a listing agreement or purchase contract. 


In addition, Chase sent the borrower the attached documents stating Let us know that youre interested in a short sale You can start the process by calling us, or by sending us a listing agreement, purchase agreement, or closing disclosure form by XX/XX/XXXX. ( ( see page 3 ) )  ***Chase stated the borrower has until XX/XX/XXXX to provide a package to be reviewed for a short sale yet on XX/XX/XXXX they refused to allow a short sale review to continue, claiming lack of documents. 

Therefore it is apparent that Chase is attempting to foreclose illegally. 

We do not have these issues on our white clients. WHY IS CHASE BEING ALLOWED TO DISCRIMINATE AGAINST THEIR NON-WHITE BORROWERS???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Augusta Collection Agency, Inc.
State: SC
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:
There was a collection on my credit report from Augusta Collection Agency. I sent a debt validation letter to the address on my credit report through certified mail and the letter was sent back to me saying " Return to Sender, Vacant, Unable to Forward ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is my fourth attempt and request to have public information removed from my credit file. There is a chapter XXXX  bankruptcy listed on my public TransUnion credit report that I have requested several times to be removed. Both XXXX and TransUnion have removed this account. It has also been confirmed that the U.S. Bankruptcy courts and PACER does not and will not verify such accounts ; therefore the account has not been verified and XXXX, the system in which the credit bureaus use to verfiy information is not the correct method of verfication.

Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF 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 explanation
Consumer complaint received 2018-10-09
Company: Navient Solutions, LLC.
State: CA
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:
Dear United States Department of Education, I am writing this letter to dispute the validity of the account and of thereby of the said debt regarding reference # XXXX. I never knowingly signed any document in order to take out the foresaid loan and wish to have this cleared from my name. If any loan was taken out in my name, it is fraudulent and I didnt give permission for this to take place. I should not be responsible to repay this debt or any interest or fees or any collection costs that has come about due to the fact that this is fraudulent activity using my name! I am requesting information of how to dispute this fraudulent deed. Thank you in advance for your time. I can be reached by email at XXXX or at XXXX XXXX. 

Thank you, 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 2018-04-05
Company: Experian Information Solutions Inc.
State: AZ
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 I sent certified letters to Experian Information Solutions Inc. regarding 21 negative items reporting on my report, asking them to validate the debt. After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. Instead both Experian my request all together and did not provide verification. In XX/XX/XXXX I sent certified letters to Experian and explained to them that I previously requested verification documentation with original agencies and received no response. They opened up a new dispute on XXXX XX/XX/XXXX, After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. In XX/XX/XXXX I sent certified letters and explained I did not receive correspondence in the mail. I asked to get a copy of the alleged verification and was denied. As a consumer if I am disputing something on my report I am entitled to copies of documentation in response to my request and Experian has failed to provide the information requested. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract ( a consumer contract with my signature on it ) - any and all accounts they post on a credit report. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply and they have not complied.

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 2020-02-27
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:
Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Embassy Loans
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is intentionally reporting a much higher balance than owed. I have contacted them via mail and always receive the same letters with the incorrect balances on it. The balance was reduced XX/XX/2020 to {$680.00} after my car was totaled in an accident by XXXX XXXX, an employee at XXXX. I have enclosed copies of the reduced balance to them and equifax and experian but they still continue to report inacurrate info. XXXX continues to contact me by phone mail.and email demanding that I pay the incorrect amount I answered the phone one day and was told by one of the employees " We know that you owe us {$680.00} but we will not update the balance until you pay us '' You can contact whoever you want '' he was rude and yelling on the phone back around XXXX. I forgot to ask what his name was. I am also interested in suing for damages but would like nothing more than this account to be removed from all credit reports because they are in violation of my consumer rights.

Company response to consumer: Closed with explanation