BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
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: Account status incorrect

Complaint:
XXXX XXXX # XXXXXXXXXXXXI do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with my income being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I cann protect the integrity of my credit file. XXXX XXXX # XXXX account is reporting a XXXX late payment on XXXX after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-10-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA is abusing my credit report they have been reporting on my account for over 13 years for the same exact account and thats abuse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: First National Collection Bureau, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received multiple mailings and phone call ( s ) from First National Collection Bureau about a debt and have informed them over the phone and in writing to contact my attorney numerous times. Most recently I sent them a certified letter which I have receipt of being delivered on XX/XX/2018. 

As you can see from my incoming XXXX phone log a phone call was again received on XX/XX/XXXX from First National Collection Bureau. I informed them I had receipt of my certified letter informing them that I had retained an attorney years ago and that he should be contacted and I would contact the FTC, BBB and my WA State Attorney Office.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was called around XXXX am to say that the gas and electric was going to be shut off. They had me go to bank account and to XXXX, to send the money. I called the bank about an hour later to tell them I was scammed out of almost XXXX! I did not know XXXX was a third party as it is on my banks website. The bank called me 8 days later to say they are not getting my money. I have to call XXXX. XXXX tells me they dont get the money back but will notify the bank used. They would not give me the bank name. This is absurd. I was scammed, called the babk within hours and nothing is done. This is why scammers keep scamming. They are not prosecuted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've asked U.S. Collection West, Inc where is the contract that shows they've been given the right to collect on the alleged debt from the ORIGINAL creditor.  Since they're a 3rd party, they have no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. According to 73 AmJur, 2nd, Section 90. You have no right to "subrogate" (substitute) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you "bought" the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a "stranger to the transaction" (voluntary payee).  Once again, I'm asking you to delete all information you have furnished to any and all credit bureaus and destroy information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will file a formal complaint to the Attorney General against your company.I've also attached a letter from them stating they wouldn't respond to me any longer.

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 2022-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-10-08
Company: CBC Companies, 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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 # XXXX, XXXX/XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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:
I have contacted Experian on inaccurate information on my credit report. Experian has failed to verify two accounts that i never owned. I asked for official contracts and have not been provided anything besides a generic " verified '' letter. Experian is supposed to have consumer contracts on file under FCRA. I have mailed them four letters requesting verification for 4 months in a row and always get the same generic " verified '' letter sent back to me. Experian is not investigating my complaint and have put me in a hardship as these two accounts are effecting my true credit worthiness. I am trying to get my first home for my family and I to make our lives better. 

My First letter was Mailed on XX/XX/2019 asking for verification and received a letter stating the account was verified from Experian on XX/XX/2019. 

My Second letter was mailed on XX/XX/2019 asking for verification and received the same account verified response from Experian on XX/XX/2019. 

My Third letter requesting verification and consumer contracts was mailed on XX/XX/2019 and received the same account verified response from Experian on XX/XX/2019. 

My Fourth and final request asking for consumer contracts and verification was mailed out on XX/XX/2019 and received the same account verified response from Experian on XX/XX/2019. Experian is being negligent and keeps on sending me the same generic response. 

I have tried working this out with the company directly but have not been taken seriously. I would love CFPB to step in and try to resolve this 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 2019-04-25
Company: National Credit Systems,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:
identity theft. some person has opened accounts in my name. credit cards, lease, car loan. i need these removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I tried to deposit a check that was drawn on nebraska treasury and they accepted the deposit. Two days later I recieved an email saying that they couldnt accept the check and it was verified through a manual verification process and I had emailed and called them several times and they said that they could not tell me why the check was declined. I wanted to have the check reissued so that they could take the deposit as I am home bound and am unable to leave my home to cash it some other way. Regardless they told me to write cashed across the check so I have to have it reissued anyway but cant get clarification on why they rejected the deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have compiled and done everything requested and submitted all documentation for a loan modification or repayment plan anything that will help me save my home and was denied for insufficient income when I do fall within the DTI which is 30 % - 41 % I am at 36 % DTI required for mod or repayment plan I can afford it my monthly net income is {$5600.00} and mortgage payments are {$2100.00} please help me keep my home. 

Thank you,

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 2017-11-08
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since XXXX XXXX, I have been receiving information from Navient that my interest-only payments will be ending soon. Just today, XXXX XXXX, XXXX, I receive such an e-mail notice. I kept logging into my online account information with Navient, and that information noted that the Interest-Only-Payments will be ending XXXX/XXXX/XXXX ( see attached ). I decided to call to see what the urgency of the e-mail alerts about the payments ending soon. The online rep checked my account and stated that there is no such information about the IOPs ending in XXXX. While the rep was on the phone, I logged into my account, and sure enough the loan details stated that the IOPs would be ending in XXXX. She pretended not to have that information until I became very firm in my voice that the XXXX was, indeed, posted to my account. Then the Navient rep stated that the information needed to be updated and that the deadline was XXXX XXXX, XXXX -- this was the first time I was given a date. I asked my payments because in those alerts and online there is no mention of the updated payment amount. The rep stated that my payments would be {$220.00}, and I informed her that there needs to be a payment adjustment because I was on XXXX and no way could I make this payment on short notice nor in the future. I asked to speak with an account specialist, and she attempted to find an alternate program and discovered that the phone rep had given me the wrong information regarding my payments. The payment adjustment for XXXX XXXX, XXXX will be {$85.00} and not {$220.00}. This is nothing more than a payday loan establishment with the interest rate climbing by the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2022-03-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive tried to get a written contract from them for years and never received again. They have been under investigation for fraudulent acts and I want this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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: Their investigation did not fix an error on your report

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 non-monetary relief
Consumer complaint received 2020-02-08
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Adjustments located on XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX, is trying to collect a wrongful debt for XXXX XXXX. 
I transitioned my business lines from XXXX to XXXX XXXX XXXX during a promotion in which XXXX XXXX XXXX will pay {$160.00} per line for transferring the service to them. 
It was required by XXXX XXXX XXXX a detailed breakdown of the remaining balance per line with XXXX. I did submitted my request for the information to XXXX on several occasions but they never complied denying my consumers rights. 
As a result the debt was left pending and now they are using several Collectors to collect a debt that was created purposely by their non compliance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
on XX/XX/XXXX I mailed a certified letter to Paramount Residential Mortgage Group. This packet was mailed in regards to a mortgage application I submitted. 

The following is a copy of the letter I submitted : I applied for a mortgage through this company and was given misleading information. My mortgage broker decided to change lenders after advising me I was good for closing on my home in XX/XX/XXXX. I was later sent a contract from another lender with a different payment amount, interest, insurance and closing cost. I was never told my broker was still shopping lenders until after I received new documents to sign. My credit has been pulled several times by three different companies. I backed out of the deal after rearranging my whole life in the process of trying to get this done. I was never given any of my money back after paying for inspections, and giving earnest money. This was a horrible and heartbreaking ordeal I DO Not recommend this broker/ company to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: CA
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 was defrauded by a rental car agency in XXXX for an amount of roughly {$750.00} USD. I filed a chargeback with the dispute department of my Citi XXXX XXXX account on XX/XX/XXXX and submitted all relevant proof and documentation on XX/XX/XXXX ( within the timeframe I was given by the credit card company ). The dispute was marked " closed '' before my documentation arrived, and I was told that it was my fault for not submitting documentation on time. This is untrue based on the timeframe guidelines I was given, but the disputes department is refusing to reopen the dispute and assist me further. Thank you for your assistance.

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 2021-10-17
Company: EQUIFAX, INC.
State: NV
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/2021 I received correspondence from XXXXXXXX XXXX XXXX stating that " [ they ] were unable to locate an account in [ their ] system under [ my ] name. '' This account is not mine and I have not knowledge of it, yet it is still reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: TX
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:
I am very frustrated with all 3 reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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:
I filed a dispute with XXXX about account number XXXX reported by the XXXX XXXX XXXX XXXX.in a amount of {$880.00}. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I receive notice from Chase about foreclosure tried to do Loan Modification.Sales date was XXXX XXXX,2017, Modification was denied. Prior to this I had been working with a person that did a process to prevent foreclosure, when I went to Bankruptcy Attorney to file Chapter XXXX he was told that there was a interram on property and bankruptcy was n't granted hose was sold on XXXX XXXX,2017. The problem was n't with the Bankruptcy attorney but with the first gentleman.Because my property was attached to someone else Chase sold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ally Auto continues to add extravagant late fees of {$71.00} to my auto account when it was not late. They have done this for previous months and still have not corrected the situation I have previously filed a complaint against them for this and they have lied and continued on. I looked at a recent statement and found out they added this {$71.00} dollar to my payoff fee that they can not explain. 

These lying XXXX XXXX XXXX XXXX XXXX crooks need to stop stealing money from customers in sly ways. This is not the end of this Ally. You continue to lie and change your method of 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