BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX went into SunTrust bank about fraud charges on my account so they opened a claim on them then on XX/XX/XXXX informed me they where researching them and waiting to hear from the merchant and no provisional credit would be given as this was a merchant dispute. On XX/XX/XXXX I sent the branch manager who helped a email with reg e details and she replied on XX/XX/XXXX saying it is a merchant dispute so reg e does not apply to the charges and I have to wait till they hear from the merchant. called there claims team and thats all they would say on the issue also is that reg e does not apply to this claim and nothing on the account would be corrected till they hear from the merchant we are now at the XX/XX/XXXX business day since filling the claim and nothing has been corrected.

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 2018-05-15
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Acceptance Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-11-13
Company: Red Rock Financial of Cedar City
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:
Red Rock Financial is reporting erroneously on my credit file. They are reporting a balance on a account that has been paid. I have a letter stating the account was paid. This has now been reporting and ruining my credit for the past 9 months. I want this account removed/fix. It has caused way too much damage when I have paid this acount off a while ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2003, I took out a home equity loan because I was told that I had to have this loan in place before I could get an equity line of credit. I ended up getting both loans, an equity loan and an equity line of credit. I have used my line of credit, but not the loan. I have never borrowed any amount from the equity loan. I just learned that equity loans and equity lines of credit are two seperate entities and that I never needed to take out the equity loan. 

I believe that I was scammed into taking out the equity loan and I paid {$73000.00} for a loan that I never used or needed. This transaction was with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. This account was transferred to Wells Fargo when they bought out 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 2018-05-15
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/2017 left XXXX XXXX XXXX phone company and paid all my balances since I was a customer for 15yrs with them, I wanted to make sure they would release my phone numbers and be clear on my credit. after 3 months they kept billing me for my monthly service. i called and they failed to credit the amount for services I did not received. i filed a complaint with FTC and did not get results. Now, I am getting constant phone calls, letters from Sunrise Credit services. XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX for the amount of {$410.00} I keep spending time on this dept that is not mine and is ruining my credit. please help

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 2021-06-06
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX on Equifax is still reporting XX/XX/2021 XXXX XXXX account as missed payments. This is absolutely false and inaccurate. This account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
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: Personal information incorrect

Complaint:
I tried to remove an address in Texas that I have never lived at with Experian. Address not removed.

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 2018-05-15
Company: EQUIFAX, INC.
State: CO
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:
Ever since the security breech, I have not been able to get Equifax to answer my dispute from months ago, and now when I try to login for another dispute, get the same answer that my information doesn't match with their records so email the dispute. The whole report is outdated and does not include many new pieces, like I paid off an auto loan and started a new one, several  accounts have been paid that are still on there. I don't even know where to start anymore! There is no contact information to talk to a human. Please help! For those who have to rely on credit reports ( all consumers, presumably? ) to do anything, I need these people to step up and get corrected or drop out of being a reporting agency at all. I am potentially at risk by not having correct info out there if I want to get a home loan or other credit source. This has been going on far too long! Thank you for any assistance! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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:
Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by XXXX  or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.

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 2021-07-16
Company: OCEANSIDE MORTGAGE COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My escrow was negative and oceanside agred to spread escrow shortage over 60 months. This was approved in XXXX but did not take affect till XXXX. For the month of XXXX per their nots on XX/XX/XXXX, I was told to XXXX XXXX and my mortgage would update in XXXX. My XXXX mortgage of XXXX is wrong and does not reflect the agreement to spread escrow over 60 months. I am now considred late and this is affecting my credit. My mortgage is XXXX which I am paying. I tried to work this out to no avail. The issue is {$250.00} over charge for the month of XXXX. I should get credit for My XXXX XXXX payment. This is My second complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
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 don't understand why I can not decided how my money is disbursed among my loans I pay XXXX a month and the loan provider won't let me split it in a manner that is beneficial to me. The loan provider is splitting my money in a way that creates the highest interest for them instead of actually paying off my loan. I don't understand why they wont let me pay the loans off the way it would help me by paying off the interests that collects each month. I have to make additional payments to cover the interests because my loan provider refused to distribute my payments in way to cover the interests that collects each month and the principle. The loan provider is making it harder to pay off the original principle, when asked why I could not say XXXX goes to this loan and the other XXXX for the other loan the customer service representative told me I could not do it because I would pay off the loan faster!!!!! This makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is reporting these addresses that I have never lived at : XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  is reporting these addresses that I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2019-05-30
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
The company fails to respond to my written request for validation of the alleged debt. The amount is reporting in correct and it is reporting as a negative when the account should be closed. They have failed to provide me proof of the debt bearing my signature etc. Under the law they are to delete if validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Convergent Resources, 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 am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX : Acct # XXXX XXXX ) CONVERGENT OUTSOURING ( XXXX ) ACCT # XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ),  when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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 2018-05-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I received letter in mail stating $ XXXX due for an account number I have proof of being in good standing. The account number referenced related to account number to loan that was consolidated and currently in good standing. I called the collection agency and Navient on XX/XX/XXXX, to correct this error but they are claiming that account number is for private loan which I do not recall ever receiving anything for. Not even a wage garnishment threat. XXXX company refered me back to Navient. When Navient told me the name of the collection company handling the file it was not the name of the collection company who sent me the letter that initiated my call " XXXX XXXX XXXX ''. The letter was received last week and Navient advised a different company is handling it as of XX/XX/XXXX, same date of my letter. When I asked if they are the same company XXXX another entity or an affiliate, the representative could not give me the information. You would think that would be in my file?! When asked why this loan was not showing on credit report as default she could not answer. When asked why is one part of my loan with Navient in good standing and the private loan with Navient is not, she stated those are handled by two different departments. When asked why wasnt important information being linked to my social security number for same company servicing both federal and allegedly " private '' loans she didn't know. I would think that is important, especially if I am making the attempt to bring my account current. When asked for website to view this information for private loans taken, she did not have one. With all these red flags, and knowing that XXXX was shut down for fraudulent activity, I am questioning the validity of this " private loan ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Continental Finance Company, LLC
State: NC
Product: Credit card
Issue: Other

Complaint:
I had to credit cards with Continental Finance : A Matrix MasterCard and a XXXX Mastercard. Last XXXX, I enrolled in a debt management plan with XXXX XXXX XXXX and both accounts were enrolled in a hardship program with the agreement to pay XXXX per card per month. Payments have been made consistently as agreed upon by the debt management plan proposal. However, Continental Finance is currently showing both of my accounts as " Charged of as Bad Debt, Profit and Loss Writeoff ''. In addition, they showed me as 30/60/90 days past due for the last several months. Both I and XXXX XXXX XXXX have been attempting to get a satisfactory resolution to this matter for over a month now. Last week, XXXX XXXX XXXX had been told that I had been " exited '' from the hardship program and that they would need to submit new proposals. However, today I received a letter from Continental Finance indicating that " Our records indicate that your account is currently enrolled into the hardship program. '' In short, despite being told I had been exited the program and despite the fact that timely payments have been made for the last 5-6 months, Continental Finance has incorrectly reported the status of my XXXX accounts which has caused a significant drop in my XXXX score.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Because I am submitting this to all bureaus I am utilizing the CFPB. I wish to have a personal statement added to my report. I am doing this due to issues I encounter with each.

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 2021-06-06
Company: PRESTIGE FINANCIAL SERVICES INC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am a victim of a natural disaster and being sold a lemon due to being a XXXX. I kept the maintenance up on the vehicle, however the vehicle was a lemon. After taking the vehicle to several repair shops including XXXX, they stated there was nothing they could do for me. The transmission light came on directly after completing my 3 month oil change vs. them telling me every 5 months. I lost my job due to XXXX and asked for help and they refused and hung up on me saying " so what and you're the one that purchased the lemon vehicle, its your fault not ours. '' Each rep I talked to was rude, uncompassionate and refused to provide assistance. My car stop running, when I did all I could to keep this vehicle they said was not owned by anyone but the dealership and everything was 100 % up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: MA
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 for the amount of {$7100.00}. I have disputed this account with XXXX, XXXX and Equifax. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Chase bank is trying to increase my credit card account apr, that has stood for more than a decade at a fixed rate 9.99 % apr, to more than 15 % as a variable rate. 
I recieved a mail notification XX/XX/2018, and called in the same night. I went through 2 reps, the 2nd being XXXX, who maintained that even though the first rep said that I would be charged the new interest rate on existing balances, he was wrong and I would not be charged the new interest rate on existing balances. They also had no specific reason available in regards to my accout to justify the rate increase, merely profiteering.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Harris & Harris, Ltd.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harris and Harris Collections calls and leaves messages EVERY single week. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and further back. 

When I have answered the phone, they are rude and deny that this debt has been paid. It was paid directly to hospital. They are harassing me and I am done with this XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This debt was discharged in my bankruptcy case ( XXXX District of IL XXXX ; discharged XX/XX/2008. ) It was dischargeable under the Bankruptcy Code as it was a private educational loan that was issued in an amount greater than the Cost of Attendance at my school ( I had already received a Pell Grant and Federal Student Loans directly from the college up to my Cost of Attendance that same semester ). Notwithstanding the bankruptcy discharge, this debt continues to be reported on my credit. I have disputed this debt multiple times with all 3 credit bureaus to no avail. 

This debt originally had a co-signer, and while it may be appropriate to continue to report on behalf of the co-signer, it is no longer appropriate to report it under my name.

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