BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XXXX, and payments ... 

I have sent payment after payment to the XXXX XXXX XXXX time after time for them to keep sending the payment back to me because they claim a payment was returned for insufficient funds ( which is not the case ). Nevertheless, they have sent each payment back to me for no reason and now I am getting nervous because they are making me behind I have the funds, but they will not apply it to my mortgage ... which is making me think they want me to lose my house. I have sent cashiers checks and money orders and they keep sending those back to me as well ... I have the proof. What is there for me to do??? Any help is greatly appreciated. 

One of the customer service reps stated they were not in the business of returning payments ... I said ... '' you could have fooled me! ''

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-03
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I reached out to Aspire about a hardship I am currently dealing with. I received a correspondence on XX/XX/XXXX that I was enrolled into a special payment program that will reduced my monthly payments to XXXX a month. I was told that I was enrolled and I havent used my credit card since the hardship. I received a notification from XXXX XXXX  that my card was removed I reached out to aspire XXXX and I spoke to an agent and the agent told me that I am not enrolled. But an agent I spoke to last week told me I was enrolled. I should be enrolled into this program. I am being told different answers I am on a fixed income barely making it. I reached out again it is saying that the account is past due and in order to be in the program I need to make that payment I was not told that previously I responded to the correspondence on XX/XX/XXXX. And I agreed with the outcome and now your agents are giving me mixed answers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
YOUR COMPLAINT I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of 2022 without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter. 

Document password : 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 2022-08-31
Company: Experian Information Solutions Inc.
State: KY
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:
Sent letter for a verification of debt owed XXXX nothing received to verify Sent 2nd request XXXX no verification sent back Sent 3rd request XX/XX/25 - no verification sent back No verification that this debt is owed. Sent letter to all 3 credit bureaus and to original creditor XXXX XXXX. which also did not give any validation of the debt owed or they had the right to collect.

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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX. ( Please see pages 6, 7 and 8 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-09-23
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Exeter Finance Corp.
State: UT
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:
XXXX XXXX requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed a lease and paid a security deposit on a property in XXXX, NC on XX/XX/18 with XXXX XXXX. We were unable to take posession of the property due to a dangerous domestic situation and the flooding of hurricane Florence left us physically unable to reach XXXX as all roads were closed between XXXX and XXXX. I communicated this to him and his business partner. I had no choice but to return to our home in Texas for our safety and communicated this. I offered to send a certified letter to break the contract and was provided a non-existent address. When I asked who owned the property, all communication ceased. Upon further investigation, I discovered through the county tax records that XXXX does not and has never owned this property. He presented himself as the owner and, in addition, per county tax records and real estate listings, this home is not a 3 bedroom as advertised, it is a 2 bedroom. I was told by the person he presented as his property manager, a XXXX XXXX, that she would attempt to get me a partial refund for the deposit I had paid. That never occurred. In XXXX, after 2 months of no communication, their company attempted to fraudulently charge my credit card for {$1000.00}. At this point, I felt that the entire situation was fraud and I attempted to dispute the original charges. I presented my evidence showing all of the above to Capital One and sadly, they told me this is a civil matter because I did not have a receipt of cancellation. I was not able to receive a receipt as the people named would not provide me with the correct contact information to send a letter to cancel the contract. I stongly disagree as I was presented with something that 1. Did not belong to these people 2. I was not allowed to cancel and receive a recepit of cancellation because they would not provide me with the correct address and name of owner and 3. The home advertised is not as presented ( 2 bedroom not a 3 bedroom ). I would like my money refunded. 
I spoke with the XXXX Police Department on XX/XX/2018 and they told me that this is a matter of fraud. They advised me to also report this information to the FBI fraud website as they have a broader jurisdiction. I can not believe that Capital One is treating me as a liar when I have been a victim of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I opened account with capital one around XXXX 2011, I do not remember well when. They issued me a credit card, once I tried to used I could n't. I called Capital One asking what happened and they told me that the issued card was a mistake they made, that they should it never give me a card because of my credit report. So my card was canceled or suspend it, without giving me the opportunity to use the card. 
Today they are reporting a charge off account for the amount of {$330.00} dollars in my credit report. Knowing the company it was their mistake, no mine. I said I own {$330.00} dollars of what, on fees. Why? I feel rip-off. 
I never knew I had that account in my credit report. I am very upset that they have included that wrong information on my credit file and its causing me a lot of stress and because of them I getting denied in everything. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Private loans with Navient ( " Signature Loans '' ) were discharged in bankruptcy. Navient reported accounts 'closed ' on my credit report with XXXX   balance due. 

Discharge dated XX/XX/XXXX / XXXX  district Illinois. 

They later claim that the loan are now in repayment. 

I feel compelled to not make payments for loans that show as closed and XXXX balance on my credit report. 

These need to be confirmed as discharged with Navient 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.

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 2022-08-31
Company: FC HoldCo LLC
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:
XXXX is reporting this debt on my consumer report. The information that is being furnished to the consumer reporting agencies is incorrect. I have submitted my state ID and a copy of my social security card to the consumer reporting agencies and they are still relying on and furnishing incorrect information.

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 2021-09-23
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX, XXXX have no contract / agreement with XXXX XXXX XXXX. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is CITIBANK , N.A . and I didn't agree to a contract with them either. I formed an agreement with Best Buy which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. 

If XXXX XXXX XXXX can Produce a Valid contract between XXXX XXXX and XXXX XXXX XXXX stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance

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 2023-07-18
Company: JPMORGAN CHASE & CO.
State: FL
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, a charge for {$530.00} was processed from the previous day where I purchased two concert tickets from an entertainment company ( XXXX ). Immediately after this purchase on XX/XX/2022, I was sent a text alert from Chase informing me that the aforementioned purchase would not go through as they believed it to be fraud, and if I would need to repurchase whatever I was trying to buy. I believed that they were being honest and what they said was true. 

Because of this, I immediately made another purchase of a slightly different seat that totaled to {$510.00} and was also processed on XX/XX/2022. So, essentially, Chase lied to me about the first charge not going through and needing to repurchase. When I spoke over the phone to their dispute resolution I was told it would be removed later. I believed them. 

As a XXXXXXXX XXXX, I am not constantly looking at my bank account as I am unwell a large percentage of the time. When I eventually noticed they had never resolved the situation, they said it had been too long and there was nothing they would do. This entire extra purchase was completely unnecessary but they told me it was essential. My bank blatantly lied to me and refused to do anything about it.

Company response to consumer: Closed with monetary relief