BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
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: Old information reappears or never goes away

Complaint:
In the process of removing the last incorrect items from my account. Unfortunately, despite Transunion previously removing this item from my account, this collection item, Account name XXXX XXXX, Account number XXXX, still wrongly persists. This collections agency has violated the FCRA in the following ways : 1. Knowingly disseminating incorrect info : the apartment knows the information is incorrect, as does the agency. Thats why the other two bureaus have removed this item from my report. The agency is using lowering my credit score as a way to get me to pay just so theyll go away regardless of the accuracy of the info.

2. Not stating that the bill was disputed : the underlying amount ( both in amount and the very existence of the debt ) is hotly disputed. The apartment and I have disputed the existence of this debt under applicable state law for the past year but the agency is presenting this bill as if it is undisputed. This violates FCRA 623 ( a ) ( 3 ). Transunion is similarly enjoined from reporting this information that is verifiably inaccurate.

3. The agency has failed to report a date of delinquency as required under FCRA 623 ( a ) ( 5 ) ( A ).

4. Because certain information was not reported/verified, the agency was required to modify, delete, or permanently block its reporting under FCRA 623 ( b ) ( 1 ).

5. I attempted to dispute this debt with the agency but it did not investigate as required under the FCRA, particularly Furnished Rule 660.4 ( a ), ( e ). These are just the glaring examples.

Again, this item was already removed but the collections agency submitted it again. I am reaching back out to counsel. I would appreciate it if Transunion did the right thing and removed this incorrect item, again. Thanks!

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 2021-09-12
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has three accounts for me and have not proved these accounts are mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Credit inquiries on your report that you don't recognize

Complaint:
1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports. 
2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed. 
3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web. 
4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX ( XX/XX/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 2021-10-19
Company: EQUIFAX, INC.
State: TN
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:
I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to COVID and had a loss of income and missed a payment. Before COVID I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CNG HOLDINGS INC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting a fraudulent account on my credit report for {$480.00} ... and I have not had no credit account in my name ... I file a police report stating I have never had this account and its still reporting account as open ... this account shall be removed from my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received letters dated XX/XX/XXXX from Chase Bank indicating that they have closed all of my credit card accounts because my credit report shows that I have too many new accounts. I then contacted chase over the phone to discuss the matter, and was told that I am considered too risky for the bank therefore they are terminating all of my accounts. If Chase is concerned about credit exposure, the fair course of action could be lowering the credit limit on the accounts rather than shutting them down. It is hard to understand how Chase has arrived at such conclusion as I never had a late payment throughout 8+ years of credit history, being current on my mortgage payment, extremely low debt-to-income ratio, and pay off all my credit cards on a monthly basis. How does having too many credit cards suddenly make a customer too risky when they have demonstrated perfect ability to service their accounts responsibly throughout the years?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: SUN LOAN COMPANY 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: Problem with personal statement of dispute

Complaint:
on XXXX I mailed a certified dispute letter to Sun Loan., on XXXX the received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.

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 2018-09-18
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
Ally Financial incorrectly put the wrong amount for our car payment and then reversed it. It then took them almost a month to correct their error. In the meantime, the payment that they incorrectly imputed went against us as a late payment. The payment wasn't late. Ally admitted their error and corrected the payment but they didn't take the late payment off our credit report. I was denied credit due to this error!! Our payment was received and posted before the 30 days - their error and reversing the payment caused XX/XX/2018 payment to be " considered '' late. They were contacted repeatedly in advance and this never should have been considered late.

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 2021-05-10
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
Navient is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XXXX, and they have never been brought current. However, Navient re-aged them in XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XXXX. They are scheduled to be removed in XXXX, but they should be deleted due to their age. 

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter XXXX bankruptcy, which was from XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current. 

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When XXXX XXXX and XXXX XXXX issued their Covid-19 directives to Servicers when the Pandemic broke in the Us. Stating that Borrowers could miss up to 12 months of payments and it wouldn't impact their Credit Negatively nor would they incur late fees. I contacted my Servicer PHH and was told that they are only offering Three months of forebearance and at the end of the three months all of the back payments would be due in one lump sum. That's not what the letter from XXXX and XXXX states and this would be pushing homeowners into delinquency resulting in no help at all. When I told the rep. This he was confused and stated that's all that is being offered and that's how the program works. Consumers need clear and fair direction from the owners of the Mortgage Loans XXXX XXXX, XXXX XXXX, XXXX XXXX and VA stating that payments can be missed Borrowers will not be penalized and all missed payments are not due in three months in one Lump Sum. Borrowers should be allowed to miss the payments for the 6 month or 12 month window and have them added to the end of the loan with no penalties period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: EQUIFAX, INC.
State: MO
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 identity has been compromised and so has my credit data, and the only way to understand my true credit worthiness is to dispute the following accounts inwhich is not mines, 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00} And as a resident/ consumer of Missouri and in pursuant to FCRA 611 ( a ), a consumer credit reporting agency who improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data can cause a civil action against themselves via credit reporting agencies. 
I have also requested for certified physical documentation, or as written within the laws of the FCRA these accounts shall be blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: SC
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD WHEN MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
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: Their investigation did not fix an error on your report

Complaint:
Equifax was notified on XX/XX/2018, Of an account that does not belong to me. They was asked to submit physical proof that the accounts in question belong to me. Instead they sent a letter stating accounts was verified where's the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Ive been Disputting my XXXX XXXX I opened this account and someone got my information and used my card, I contacted XXXX over and over, they removed the negative reporting from my XXXX report but still reporting it negative on my XXXX and Expean this is very unfair to me because Im a victim of identity theft

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 2019-04-23
Company: IQOR US INC
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They tried to say I owed on a student loan but I disagreed with the amount owed. They tried to set up payment arraignments and the manager ( XXXX  ) tried to accuse me of not wanting to the pay the bill. I explained that was not the case, I would just like to know what I'm paying for. He said they would put me on a payment plan if I had 2 references that did not live with me. I couldn't provide that information because I didn't have anyone 's information. I contacted an attorney to help me set up payment arraignments. After setting up payment arraignments they decided to garnish my wages. On top of garnishing my wages they took out an additional {$160.00} on XX/XX/19. I do not feel like this is a authentic company, not to mention I have had my identity stolen on several occasions. The company said they were with Allied Interstate LLC when they told me they were going to have to garnish my wages, then when I get the wage garnishment it says it's from the Commonwealth of Kentucky, Finance and Administration Cabinet, Kentucky Higher Education Assistance Authority.

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 2018-10-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was surprise to realize that I have 1 " high Inquiry '' when I checked my XXXX XXXX account, this happened on XX/XX/2018 Apparently it was a Chase Bank U.S.A inquiry for a credit card, which was denied, and obviously my concern is that this can affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX. XXXX-Balance $ XXXX-Date Opened : XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the morning on XX/XX/2018, I called capital one several times to get information regarding increasing my line of credit or switching to a different product. I currently have one credit card with them that I pay off monthly and overpaid this month.

After getting some information, I left my phone and card in my car and went back to work. During my lunch I called Capital One again at which point I was informed that my account was closed. Thinking it may have been an accident, I reached out to a manager and inform them that this may have been an error and was told they would not re-open my account.

Confused and angry, I called again and was told that a request would be submitted to re-open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, TRANSUNION OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. TRANSUNION has caused severe stress and anxiety due to the abusive and unfair practices.

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