BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I pulled a copy of my credit report and there are address on there that I dont know where they came from. Ive never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. 

My correct address is : XXXX XXXX XXXX XXXX WA, 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 2021-04-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the company several times and advised I have no knowledge of this account. I have asked for documentation or signature examination and no response but keeping reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Nicholas Financial Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Convergent Resources, 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:
On XX/XX/2020 Convergent Outsourcing, Inc. sent a collection letter to me for a debt. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2019-02-14
Company: EQUIFAX, INC.
State: CA
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 have recently received a copy of my credit report, The report had an account listed that are not mine..I have disputed the accounts for months with the credit bureaus as " not mine '' but it recently came back as verified ... I have never had an account with these companies..Please delete immediately before further harm is done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JPMorgan Chase holds the mortgage on my property, it is being serviced by one of their subcontractors, XXXX XXXX XXXX. I have owned many properties and have done business with JPM for years, and, I have never worked with a company worse than XXXX. Their website is not only outdated and cumbersome, but when trying to login to my account, it simply has a processing message and does not load. I have called several times and opened a support ticket, but received no response. I have tried to set up automatic payments, but they will not do it over the phone, so, with no working web account, and no phone ability, it is impossible. When paying monthly using their automatic payment line, they will only process the payment on the day you call, so, either pay in advance pointlessly, or be sure to pay on the day it is due. This is so bad, it goes beyond incompetence, I believe it is a fraud to gain more late payment charges and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
NAVY FEDERAL CREDIT UNION CALLED MY SUPERVISOR ON XXXX XXXX, KENTUCKY AND THREATENED TO SUE TO REPOSSESS MY CAR. THIS BANK IS EVIL AND NEEDS TO BE DESTROYED. THE PRESIDENT OF THE BANK CALLED ME A XXXX AND A XXXX  TO MY FACE. THIS IS THE MOST XXXX BANK ON THE FACE OF THE EARTH. THEY DO NOT NEED TO BE IN BUSINESS UNLESS THEY FIRE THE ENTIRE EXECUTIVE STAFF. THIS IS A CULTURE OF CORRUPTION. THEY ALSO HAVE NOT TOLD ME FOR THE 3 TIME WHAT IS THE XXXX IS FOR. BECAUSE THEY KNOW ITS A LIE AND A FRAUD. THIS WAS A SECURDED ACCOUNT IT WAS PAID IN FULL. THIS IS OUTRAGOUS. UNTIL THIS ACCOUNT SAYS XXXX I AM NEVER GOING TO LET THIS GO NEVER EVER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : 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 2020-01-31
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
EQUIFAX VIOLATES SECURITY FREEZE LAW. LAW DIRECTS EQUIFAX TO SET UP A SECURITY FREEZE. I ASKED EQUIFAX TO SET UP SECURITY FREEZE. BUT EQUIFAX WROTE ME IT REMOVED THE FREEZE. BUT MY ADDRESS WAS WRONG. I NEED IMMEDIATE FREEZE VERIFIED BY A COMPLETE CREDIT REPORT FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
the firm blocks online access to personal accounts of customers in order to prevent customers from disputing credit information on own reports. Also, the firm Experian created many phone numbers which do not lead customers to anybody or anything solving their concerns. It took me several days and dialing several different numbers to finally get a live person to answer. That person was XXXX who refused assistance, also refused to take my complaint, stating he did not see any matter which was required escalation. His supervisor XXXX also refused to assist, argued that all complaints only can be placed " internally '', the firm ' s policy not to address customer 's complaints. Outrageous! The call was placed by me today on XX/XX/2019 at about XXXX XXXX to number XXXX. Currently, I am locked out my online account and a written request for my annual report was ignored. This is a clear violation of federal laws.

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 2018-03-24
Company: Experian Information Solutions Inc.
State: CA
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:
In the Fall I had the following Hard Inquiries show up on my credit that did not occur : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian I contacted XXXX  and they said they would remove but never did ( might have been just their internal system ). Tried multiple times to contact XXXX  but could not reach anyone.

I need all 4 of these removed from my credit ( trying to refinance house this summer ). If I need to try and contact XXXX   and Experian separately please let me know.

Thanks, 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 2019-09-18
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX at XXXX ; XXXX XXXX  a guy called me telling me he is from Transworld System to collect a debt from XXXX XXXX. 

I was asked for personal information. 
I did not disclose because I do not know who this person is or if XXXX XXXX actually hired them. 

The guy started to get hostile and informed me that without my personal identification - he can not disclose any information even basic ones such as which location of XXXX. 

I asked him for XXXX  contact number so I can call and verify - he refused to give me and got more rude and hostile and said " I don't care - do whatever you want to do. '' He demanded information accusing me of have getting billing mail from XXXX XXXX. I advised I moved addresses this year. 
He did ask but demanded my home address. 

Once again I have declined because I do not know who he is and if indeed XXXX reached out to them and not familiar with nature of call. 

Right after within 5 minutes I kept getting the same call at work. 
This is form of bullying and harassment. 

I have every right not to disclose personal information such as date of birth and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: QuickClick Loans of Illinois, LLC
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX   XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has been reporting that I owe {$7700.00} on my credit report however, I am aware that any debt collector company that does not have a surety bond in Texas do not have the legal right to collect or report a debt the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have been trying to work with santander consumer USA for months about trying to pay off this account for months. First, this company repossessed my car after making arrangements and after coming up the the amount requested. Then they refused to tell me where the car was so i can get my things. Important documents in the car were thrown away and other items were trashed. I received a letter on XX/XX//2018,  asking me to settle for the amount of XXXX. I called santander and told them when i get a tax refund i will pay them. I had traveled out of the country in XXXX and was gone for two weeks. I called them again and asked to pay off the XXXX, when i received my tax refunds, they told me I had missed the dead line and increased it to over 3000. I am not working, I am going through a hardship and barely making ends meet. I even offered to start paying a bit monthly and pay it off in a lump-some when I receive my income taxes and they refused again to work with me. Am very frustrated and tired of trying to work it out with this company. They should be penalized for how they treat consumers. Certain laws are made to protect people like me from companies like this. I have tried time and time again to work with them. They send me an offer letter and will not follow through with accepting the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: FORD MOTOR CREDIT CO.
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: Account status incorrect

Complaint:
I paid my Ford Motor Credit bill online every month within 30 days of its due date. Ford Motor Credit delayed posting payments and is reporting to the credit bureaus that my payments were more than 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life.

I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.

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 2018-02-01
Company: BB&T CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BB & T did not remove my Private Mortgage Insurance ( PMI ) from my mortgage payment whenever my loan was paid down to below 78 %. I called them and spoke to two employees. XXXX ( employee ID XXXX ) and XXXX XXXX ( manager ). Both of them falsely told me that I had to write in to have the PMI cancelled. It's my understandign the the Homeowners Protection Act states that PMI will be automatically removed from a mortgage when the balace is under 78 % of the original appraisal value.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I set up an account with XXXX XXXX XXXX and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
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: Personal information incorrect

Complaint:
I set up an account with credit check total and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA 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 2019-02-14
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX - received an email saying my accounts fell below {$25.00}. Checked accounts and noticed my accounts were levied taking {$4700.00} and having them sent to debt collectors, XXXX XXXX. 

XX/XX/XXXX - Called XXXX XXXX telling them that I was never sent any paperwork before they emptied my bank account. I also never received a call from them informing me of my debt. 

XX/XX/XXXX - received paperwork that informed me of said debt of {$8800.00}. Only after they levied my bank. 

XX/XX/XXXX - I called XXXX XXXX and had let them know that I would continue to pay my remaining debt through my wages at work. 

Since then I have not heard from them at all. 

XX/XX/XXXX - get a missed call from XXXX XXXX. I call back and they confirmed my name, but needed to confirm my date of birth. I told them I want paperwork first before continuing the conversation. They said okay we will block your number have a good day. They did not even confirm they were going to send me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: United PanAm Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The account with XXXX XXXX XXXX XXXX in the amount of XXXX was closed due to repossession on XX/XX/2017 and I would like for the tradeline to be remove or deletes from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: SUNTRUST BANKS, 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:
I am victim of Identity theft and SunTrust Bank is reporting information on my XXXX credit report that was opened with out my knowledge or permission. I have provided all the necessary documents for the removal of the wrong information being reported but the information is still on my XXXX credit report.

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 2023-03-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Email : XXXX, XXXX XXXX amount XXXX. I responded that it is not my account to stop sending these email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been sending requests to Equifax since last year and I'm not receiving responses from them. I have proof they received my letters for an investigation and I'm not hearing anything. I attached the notice of it being delivered. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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, Equifax, and 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 ..... 
These accounts don't belong to me.

Company response to consumer: Closed with explanation