BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of the XXXX Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - XXXX XXXX   and Transunion and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and XXXX is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from XXXX but have not heard from Transunion and 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 2019-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have just received my new CapitalOne Venture credit card. My first charge onXX/XX/XXXX was a USDXXXX  annual membership fee. All CapitalOne’s advertising for their Venture card states that the annual membership fee is $XXXX for the first year, $XXXX pa thereafter. I have spoken with 2 CapitalOne agents and a Supervisor and complained that their advertising is misleading. CapitalOne refer to a detailed term and condition that states “Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One’s credit standards.” I have a number of issues with this:- this term and condition is given no prominence, unlike the $XXXX first year offer.- the above condition refers to credit standards not to fee waiver eligibility.- clearly there are no credit standards issues or they would not have given me a USDXXXX credit limit. In sum CapitalOne’s advertising is grossly misleading in my opinion. They are using a condition buried in a lot of detail to amend an offer and using credit standards as an excuse when this is just a fee issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16
Company: SUN LOAN COMPANY 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:
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/20 XXXX/XXXX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Disclosure Department XXXX. XXXX XXXX XXXX, GA XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a XXXX XXXX. The XXXX  XXXX  is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the  county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy withing two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2019, I sent Equifax to verify accounts that I had questions about and provide me with the method of verification that would prove that they actually investigated the problem. I requested to recieve any findings to this dispute in writing.  On XX/XX/2019 I called Equifax  out of concern that the dispute had went passed the statute of 30 day and requested the information in dispute be deleted due to law saying that they only have 30 days to  verify a dispute  or the information in question must be deleted.  The representative refused to acknowledge the law and kept saying she will provide me with a explanation of the dispute on 10 days. I inform her it was pass the 30 days and would like the information deleted immediately.  She refused so I ask for her identifying information to prove that I called. Instead of providing me with the information the rep hung up in my face. I do have a recording of the conversation if Equifax would like to here and i have information showing as of XX/XX/2019 some of the information that was disputed is still in dispute which is well pass the 30 days in which I will attach to this complaint.  I have used Consumer finance protection bureau to keep up with my complaint s and history show that every recent dispute expanded pass 30 days and Equifax continues to report the information that is in question. The Public record is still in investigation and I  also have that attached to show its been over 30 days and I have not received a final answer within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent a formal request for this company to cease and desist contacting me by phone per the FDCPA. They continue to call me and my wife.I have asked for a formal debt validation and all I received was a letter that said "send payment in full today." That's it.Not only was this letter not the validation I requested but it was also from Mr XXXX XXXX whom was very abusive to my wife over the phone when she was trying to figure what the debt was on her credit report because it is not hers, the debt it is apparently mine.There was no contract for either of us. We had full coverage insurance and all deductibles and coinsurances were met for that year so that's why I have continued to ask for a debt validation.Cease and desist letters as well as debt validation requests have all been ignored.After filing a complaint the very abusive Mr XXXX XXXX called and proceeded to act very unprofessional towards my spouse. And has now sent a collection letter with some sort of demand without any explanation.

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 2017-08-07
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, 2017, I attempted to download a " Proof of Loan '' PDF document, which I do monthly to obtain student loan repayment assistance from my employer ( see attachment for example ) ; however I could not locate the Proof of Loan documents online. I contacted Navient for assistance, and the phone representative told me the feature that generates Proof of Loan documents is no longer available and the only way to obtain day-of loan information is to take a screenshot or print the online loan details. This is unacceptable as I am sure many borrowers need formal day-of Proof of Loan documents for mortgages, student loan repayment assistance, etc. The removal of this feature will cause future harm to many Navient customers, including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I were in forebearance until XX/XX/XXXX. My husband passed away suddenly on XX/XX/XXXX, not from Covid, but his medical treatment was affected by XXXX. 
I have applied for forebearance until XXXX, XXXX, as provided by Congress. I have a XXXX XXXX XXXX  and Select Portfolio Servicing, is my loan servicer.

SPS Servicing has informed me, my forebearance has expired and foreclosure proceedings will start in XXXX, XXXX, unless my application is received and approved. 

SPS Servicing has continually rejected my documents, requested documents, such HOA fees, and military pay stubs, where none exist, and none were listed. I applied in XX/XX/XXXX, and it is now XXXX XXXX. SPS is still rejecting and requesting documents. 

My relationship manager has never spoken to me directly, when I call, I speak with random representatives. 

I and my realtor, have both informed SPS Servicing that I plan on selling the house over the summer, prior to XXXX. I need more time to settle my husband 's affairs. I also am recovering from XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX in XXXX, as well as job loss due to the Pandemic. 

I am requesting CFPB look into the dealings of SPS Servicing and how poorly and the lack of timeliness, my forebearance application has been handled. 

Thank you. XXXX XXXX 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 2022-08-25
Company: WorldRemit Corp.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred money on XX/XX/22 and the Money didnt reach the recipient account and the company did not notify me until I found out that the money didnt reach. I have been calling the company since then but they tell me that they are contacting their local partners this money was meant to settle my mortgage and its accumulating the interest when I tried to explain I have never got any help. I requested they refund the money so that I can find a way of sending it but up to now have got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have submitted multiple disputes along with Identity theft reports/police reports to XXXX  for fraudulent accounts and inquiries. They have not properly investigated these items nor provided sufficient evidence that i opened these fraudulent accounts. They refuse to remove all inaccuracies on my credit and it is damaging it bad!

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 2019-08-16
Company: Nationwide Debt Reduction Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have been trying to cancel my service with nationwide debt reduction services for the past week. Every time I call in to cancel they won't provide a direct phone # for the cancellation department. They say they can only transfer me directly and than the phone disconnects. They force me to leave messages that are never returned. I am being sued by a credit card company because of nationwide debt reduction services. I just want to cancel the service and they are making it almost impossible for me cancel this service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-21
Company: Navient Solutions, LLC.
State: IN
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:
Navient has 2 accounts with me that are paid monthly on time. I just recently got an alert that my balance increased by {$950.00}. It is incorrect as my balance between the two accounts is less than {$1500.00}, but this is affecting my score. My other loans are currently covered through the end of the year. There should be NO MOVEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$9000.00} XXXX XXXX  XXXX {$4800.00} XXXX  XXXX {$87.00} XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AR
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:
My sister informed me that I received a letter in the mail at her home address where have never lived before stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person, I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine, please remove these faudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}

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 2021-01-21
Company: SYNCHRONY FINANCIAL
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:
I recently learned that my creditors were reporting inaccurate information to the credit burials. I learned this when my loan officer gave me a copy of my credit report. I have been contacting with no luck in getting the problem resolve.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}

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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX has failed to send the paid in full letter that been requested on three separate occasions. Once towards the end of XX/XX/2019, a second time on XX/XX/2019 and a third time on XX/XX/2019. I still have not received the paid in full letter. I was advised I would receive the paid in full letter by the XXXX XXXX  team, which is a direct team of XXXX contact number is XXXX-XXXX-XXXX. This team advised their records show paid off date as of XX/XX/2019 on all three accounts.In addition, to requesting that paid off letters on three separate occasions I also received a call from a law firm stating that my loans no longer needed to be repaid because my loans were submitted into the XXXX lawsuit and all payment request from XXXX are to cease. This call was received after the accounts were paid through the law firm that XXXX obtained to collect the private student loans.  The fact that they have not sent the letter to me, so that I can send it to Transunion as well as all the other credit bureaus is affecting my credit. I have contacted Transunion on serval occasions asking them to update the information and they refuse to because XXXX is failing to update Transunion.

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 2019-02-23
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Information belongs to someone else

Complaint:
I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX XXXX {$300.00} -TOYOTA XXXX XXXX XXXX  - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} -XXXX XXXX XXXX XXXX {$210.00} XXXX OF XXXX

Company response to consumer: Closed with explanation