BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-10-21
Company: Capital Management Services, LP
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I submitted a complaint to the CFPB ( # XXXX ) regarding a debt collection letter from Capital Management services . In that complaint, I referred to another debt collection attempt from a company called XXXX XXXX XXXX XXXX XXXX. That company failed to respond to my request to verify themselves as the legal debt collector. In response to my complaint with the CFPB, Capital One Management responded that they were the legal owner of the debt they were trying to collect. In XXXX of XXXX, I submitted a payment plan to pay off the remainder of the debt, biweekly at {$150.00}. I have kept my promise to pay since then. 

Today, I called Capital One Management to confirm the remaining debt owed of {$2300.00} which agrees with what I have calculated for {$2300.00}. In 16 more payments, this debt will be settled. 

During my research on improving my personal finances, it came to my attention that if a debt collector sold my debt, that debt becomes a tax write off for them. My continued payments on top of the tax write-off they already claimed is something they should not have received. A few months after resuming payments with Capital One Management, I noticed that they were no longer reporting my payments to the credit bureaus. 

Since XXXX, I have paid at least {$15000.00} towards this debt. Capital Management 's response to my CFPB complaint made it seem that this debt collection letter from them was the first time I was working with them in XXXX. That is not the case. I will attach a XXXX cancelled check with their endorsement on the back of the payment made to XXXX regarding this loan for what was a monthly payment of about {$200.00} a month. When I was unemployed, it was difficult to maintain payments until i got a steady job. It will be a screenshot. But if you need the encrypted PDF document I received from XXXX, I would be happy to share with CFPB. 

The previous reference number I had with Capital One Management was # XXXX. The active and current reference number they have assigned is # 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 2022-03-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$590.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX  on XX/XX/2021 ; XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX are reporting on my personal credit file with ( XXXX/Experian/XXXX ) credit reporting agency . These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

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 2019-06-26
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have repeatedly tried to work out a payment plan with Bonneville Collections in XXXX, Washington. The same woman has repeatedly called me harassing me for money I can not give. They tried to make an arrangement with me over a month ago for over {$200.00}. I explained that all I could give was {$100.00}. This woman kept saying I was trying to deflect my problems, questioning what my parents spent their money on when she asked why I couldnt just borrow money from my family, threatening garnishment whenever they want to Today she called to follow-up and I explained that nothing had changed this month and still all I could give is {$100.00} a month. She said she was trying to do me a favor by helping yourself fix this problem. She lied about details we spoke about in our last conversation that never happened. Finally she said that I could send in {$100.00} a month and they would maybe apply it to the debt. I asked if sending the {$100.00} in would be considered a payment arrangement so they wouldnt garnish me. She responded, Absolutely not. I dont know if its illegal to continue a garnishment if payments are being made, but the cruelty and level of harassment left me sobbing a second time. The total owed is {$900.00} which means I would pay it off in 9 months. They are absolutely unwilling to work this out and I have no other funds to provide them with, which I repeatedly explained to this woman. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called this company and ask them if I pay this debt, they would delete it from my profile they said yes, I paid them and this was never removed from my profile XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Coinbase debited my account and still has not made the funds available. It has been two weeks. My bank account has been debited but I cant get any support from them. Apparently this is common with them and CFPB is the only way to get them to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, FL ; XXXX, FL ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/2021 are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

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 2021-10-21
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
So FedLoans have said over and over that my XXXX form is complete and is pending final review. I submitted this information and documentation XXXX. It has been over four months of waiting! I was told by their staff that it would be processed in 2-3 months. I have completed the required payments and have worked at qualifying locations for the correct amount of time which has all been verified. There is no reason why this should take over 120 days to complete. Now they say Unfortunately the review is not being completed by us. The review is being completed by the XXXX XXXX XXXX ( XXXX ). We have to wait for their response. But when I contacted Federal Student Aid about it, the XXXX said We apologize for the inconvenience, but we are unable to perform you request, but considering on your information on Fedloan Servicing 's behavior and delays on processing your Loan Forgiveness, you may need to report the servicer 's suspicious activity via the XXXX Feedback System. I just want to have my XXXX XXXX XXXX XXXX approved in a timely manner. It has been almost five months since I submitted my XXXX Form in XXXX of XXXX. This needs resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navient keeps sending me ROBO emails but does not have a telephone number so that I can talk to a HUMAN BEING at Navient and pay my student loan payment. They have no telephone numbers and all emails are ROBO EMAILS. I want to pay my student debt but no one there will call me. They just want to send ROBO Emails that you can not reply too. They are ruining my credit. They are ruining my credit! They are ruining my credit!!! How can I sue them? They have no phone number. Please give me their phone number so that I can talk to a HUMAN BEING there and make payments!!!!!!!!!!! 

See the attached ROBO Email they sent me that has no telephone number, physical address, HUMAN BEING 's name, non-ROBOEMAIL address that you can not reply to. How do you let a large corporation get away with this????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I cashed a personal check from my lawyer for a settlement I won in the amount of {$8100.00} at Huntington bank. I cashed via mobile deposit. The funds were said to be on hold until XX/XX/2022. Immediately after cashing, my account was locked. When I called the bank they said that once my check cleared on XX/XX/2022 that my account would unlock. Once the day arrived, my husband was able to see that the check cleared but my account was still restricted. When I called back to inquire, they said they were waiting to hear back from the issuing bank- XXXX XXXX, to ensure the check wasnt double cashed. It is now XX/XX/2022 and I still cant access my account or money. I tried reaching out to the issuing bank but they wont give me info. I also reached out to my lawyer and he confirmed that the check was only cashed once. Although, my husband is still able to view the account and transactions, we are unable to make any debit purchases. However, ACH payments/purchases are being paid. This confirms even more so that the check has cleared and money is available. Ive called multiple times and I keep being told that they are still waiting to hear back from XXXX XXXX and cant give me a timeframe. I completely understand security and fraud precautions but Im frustrated and uneasy because I deserve access to MY money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: CITIBANK, N.A.
State: CA
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:
CITI credit card payment was made on XX/XX/XXXX. Payment was made in full and last four CC # was written on memo line of check. 
Company argued they never received the payment, yet our bank confirmed the credit card payment posted via XXXX On XX/XX/XXXX and provided me with a transaction detail report. 
Transaction detail was provided to the company. They were not able to locate the check for several months. Finally, after several phone calls and repeating my story several times, CITI miraculously found the check. I was assured the payment would be recorded, and applied to my account. They assured me that late fees would be removed. They assured me that it WOULD NOT negatively impact my credit. They LIED. 
I beyond frustrated. I made a payment, on time, in full and THEY LOST IT. I was told by two representatives very recently that CITI made the mistake and it would be corrected. BUT IT HAS NOT been done. I need it corrected ASAP.

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 monetary relief
Consumer complaint received 2021-10-21
Company: Genesis FS Card Services, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My bank which is XXXXXXXX XXXX didn't honor a XXXX and XXXX dollar payment and because they didn't pay them as they should have this card company added XXXX dollars to my bill when the bill was only XXXX dollars went to XXXX dollars that I never used and the bill still should XXXX dollars they added the money the bank didn't pay to my bill which is crazy the credit limit is XXXX dollars how do I o them XXXX dollars when the bill is XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: PA
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 recently challenged the validity of XXXX XXXX {$2000.00} XXXX XXXX AND XXXX # XXXX {$9300.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$750.00} XXXX XXXX XXXX {$250.00} U S DEPT OF EDXXXX # XXXX {$84.00} U S DEPT OF EDXXXX # XXXX {$1500.00} U S DEPT OF EDXXXX # XXXX {$2500.00} and U.S. DEPARTMENT OF EDUCATION # XXXX {$2400.00} DEPT OF ED/XXXX # XXXX {$2800.00} DEPT OF ED/XXXX # XXXX {$15.00} DEPT OF ED/XXXX # XXXX {$3000.00} DEPT OF ED/XXXX # XXXX {$1300.00} DEPT OF ED/XXXX  # XXXX {$2100.00} DEPT OF ED/XXXX # XXXX {$800.00} DEPT OF ED/XXXX # XXXX {$560.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Navient Solutions, LLC.
State: TX
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:
I was shocked when reviewing my credit report and found late payments on the dates below on all 4 of my loans with you : 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. Also, I called in XXXX and was told that my Student Loans were in Deferment for 6 more months.

Company response to consumer: Closed with explanation