BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX is trying to collect on an unknown debt and has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$3700.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX is trying to collect on an unknown debt and has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$3700.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2021-06-02
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX continue to call me when I filed bankruptcy and relinquished all my responsibility for the vehicle to my ex-husband, they refuse to listen and yell about getting the vehicle.

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 2018-05-08
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/2018 I was admitted to the hospital with XXXX problems. Since that time I have been hospitalized five times and under went XXXX removing half my XXXX. I have been unable to work since XX/XX/18 and have no source of income. 
I contacted NAVIENT three times by phone trying to defer the payments until I can return to work. They refuse to do anything stating my co-signer can pay the premium. The cosigner is my mother with whom I have had to move in with and who is paying my other bills such as health insurance needed to cover the massive cost of my health care. 
I asked NAVIENT to work with me and they refuse to make any changes. 
I fully intend to make payments on this loan, but currently am unable to. They are sending bills to myself and to my co-signer and adding late payment charges. 
All I am asking is that they hold off on payments until I can return to work hopefully in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX is trying to collect on behalf of XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$130.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Merchants Credit Corporation
State: WA
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:
Merchants Credit Association keeps reporting to XXXX that their accounts are unpaid whereas I have already paid for those accounts in XXXX and XXXX. This has been going on for months. I have filed a complaint earlier ( # XXXX ) and Merchants Credit Association responded saying they will remove all the details from Credit Bureaus. Instead they reported again to XXXX on XX/XX/XXXX about an account I already paid but they keep reporting this account and keeps adding interest to increase the amount. 

I have disputed these many times with XXXX and it's not working out either. 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 2019-05-31
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Chase is forcing arbitration on me. I can choose to either surrender my right to sue them in a court of law, or they will cancel my credit cards. By cancelling my credit cards I would lose 30+ years of combined credit history as well as tens of thousands of dollars in limits/utilization. This can't possibly be legal. They are going to destroy my credit if I don't surrender my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX is trying to collect on behalf of XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$130.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2021-06-02
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Since XX/XX/XXXX I have spent more than 7 hours on the phone with various Experian departments trying to figure out why my credit report can not be accessed by XXXX of XXXX, Ma from whom Im trying to lease my third auto. 
All I get from Experian is transfers from one department to another, extended periods on hold, call terminations, and finally only a explanation that theres a glitch somewhere in their system.

They claim that there are two accounts in my name when only one is permitted, but they seem incapable of correcting the problem.

I need intervention at the Corporate level of Experian to force corrective action.

For reference, my average time on hold during my eight phone conversations with Experian over the past 10 days has been in excess of 35 minutes. This seems to me to be customer abuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My credit score has dropped XXXX points. Because XXXX XXXX inaccurately reported to the credit bureau that I was delinquent. When I reached out to them, they refunded the late fees. However, they did not update my credit report. Therefore, I still have two late payments. This is preventing me from being able to purchase a home.

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 2020-05-04
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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$120.00}

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 2023-01-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.

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 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Both XXXX  and XXXX  have found this data does not match my name or social and has removed it. These are not mine and transunion refuses to remove these items and refuses to provide documents showing these are mine. 
Transunion is in violation of FCRA section 609 and others. 

My social ends in XXXX not XXXX and they refuse to remove this fraud and other persons data. 

This will be my last attempt before taking them to court for damages.

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 2018-12-13
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is and has been in " in-network '' primary care facility I was seen at their urgent care location immediately after a serious car accident end of XXXX. Suddenly I was receiving bills from the visit and a follow up visit to my primary care doctor. As I mentioned, they are in network with my insurance company and I only have small co-pays, which were paid. I have tried several times to get this straightened out but they use a 3rd party billing service and it's just been impossible. 
Now I have been sent to collection. I do not owe this money as all care received was covered 100 % less my co-pay. 
I have attached the collection letter and a copy of my actual billing summary from my doctor 's office-XXXX balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Netspend Corporation
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Account was used to make unauthorized transaction in my name using XXXX XXXX I contacted law enforcement and the finacial istitution with in 3 days and the card used was a XXXX XXXX XXXX XXXX with a XXXX liability benefit. However the fiancial istitution is refusing to cover the loss of {$500.00}. I did not authorize the transactions and in fact the XXXX XXXX was not mine and also was opened without my authorization.

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 2021-06-02
Company: Revco Management, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX  did not send me any notifications of a car payment was behind or in repo status. My husband had the car. Me and my husband separated due to XXXX  XXXX over a year and half now. My husband also got {$5000.00} money from XXXX XXXX for the car in which I recently found out. 
I was getting the run around last year due to covid 1to reclaim 9 in which was going on sent 2 letters to XXXX XXXX XXXX XXXX  with no reply. I was the co signer on the loan in which i could never get no real information to the loan by XXXX XXXX XXXX XXXX. 
I never received any letters of payments behind or the car went into Repo status with XXXX XXXX XXXX. 
There was no notice to reclaim the car in repo or any letters mail to me of any kind to the said car. 
I now received a letter from Revco solutions in which is a collections company. 
I have also talk to attorney about this situation with this loan about notice of the the car payments behind and no letters to reclaim the car when it was going into repo status from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX, a person using the name XXXX XXXX claimed to be selling XXXX XXXX tickets. She asked me to send {$XXXX} through Paypal Friends and Family.  The paypal name of this person was XXXX XXXX and email was XXXX. I then realized it was a scam and asked her to refund the money. She claimed to have done it, but did not. She eventually admitted it was a scam and I did not receive tickets through email. 
I filed a claim through Paypal 's Resolution Center ; they closed it and will not reverse the payment. The payment is still processing through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions 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:
Like with XXXX  and XXXX  I was also a victim of identity theft and alot of inquiries was made In the process I tried contacting experian about removing them but once of the representatives claim I couldn't do that even thought there was legit identity theft evidence at the moment including a hack in my email address on file but they they refused ... I even sent out a 609 letter still haven't heard anything ... just delete the inquiries made during my fraud alert time should be really simple

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 2020-01-24
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving threatening calls from XXXX XXXX  XXXX on behalf of Platinum Holdings LLC. These messages are regarding a debt where the last payment was made in XX/XX/2012. I have been told I will be sued and they will garnish my wages. I have never received a validated letter of the debt owed. XXXX XXXX  XXXX as well as Platinum Holdings LLC has refused to give me a validated letter. I have received a generic one via email from XXXX XXXX  XXXX as they refused to mail me anything. They said if they mailed me anything it would be court papers.I told them I never received noticed, they stated they did not care because they sent notice. I asked what address they sent notice to and they did not have the correct address to where I currently live and stated it is not their job to " chase '' me, to notify me of the debt owed. When ever I call to ask for validation, they refuse to give me an address and say it is too late and I am already in the legal process. I read back my social security number to and told me there was nothing I can do, I have no rights and I will be sued. They also been calling at XXXX XXXX, calling my family members, showing up at family 's homes, and calling previous employers trying to collect and give my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just like with XXXX  and XXXX  I was once a victim of identity theft which was proven and they ( whoever ) made hard inquiries on my credit report around those times ... I sent out a dispute letter pertaining these inquiries but never heard nothing back idk if it's due to covid 19 ... .but I been patient and wondering what's going on I requested them to get deleted and only heard back about 1 issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : 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