BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license and SS Card, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/18 with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter. 
Filed identity theft with FTC on XX/XX/18. 
Placed fraud alert on XX/XX/18. 
Filed police report on XX/XX/18. 
Filed certified with credit bureaus on XX/XX/18 with return receipts. 
Filed updated FTC report with credit bureaus on XX/XX/18 with new information on 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 2021-07-13
Company: Merchants' Credit Guide Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter on XX/XX/2021 for this company to validate my debt. And they failed to validate my debt. Instead they sent a copy of my medical records/procedure. Which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form allowing them access to my medical information. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XX/XX/XXXX, and XX/XX/XXXX ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
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:
There are two derogatory reports showing on my credit report under Transunion and I tried to contact them to correct it. I did it through their website and I opened an account which they required. Every time I tried to log in to their dispute, this is what I am getting this error message " We are experiencing technical difficulties ''. And what were showing on their URL link is this XXXX XXXX XXXX Transunion keep sending me an email to pay a yearly fee for my credit report. It seems to me that they will not allow me to dispute the claims online unless I pay them a yearly fee. Both of those derogatory remarks on my credit are settled and paid. 

XXXX - reported XX/XX/2018 XXXX - reported XX/XX/2018 My credit score is way down because of those two derogatory marks from Transunion, and I would like to request your assistance to get this clear. Transunion is not cooperating.

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 2018-11-25
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2018 I contacted Navient to explain that my current IDR loan repayment plan was based on incorrect assumptions about my income pulled from my joint tax return from the previous year. I was told to redo my application and submit documentation of my actual situation. I was told that my account would be placed in forbearance for 3 months while this was processed while this was processed. On XX/XX/XXXX, I completed my income-driven repayment plan application and submitted it with supporting documentation directly to Navient. On XX/XX/XXXX, I received an email from Navient stating that my interest had been capitalized and my new repayment amount at the end of forebearance would be greater than my previous amount. My complaint is that I was not given the option to continue to pay a specific amount to cover interest and not have it capitalize and accrue - which according to the email now equates to an additional almost {$1000.00} just for this forbearance period. It would seem like the best practice would be to ask the borrower if they would like to pay the interest and not have it accrue and capitalize and add to the principal by such astronomical amounts, just because their formula did not accurately pick up my current income situation.Forbearance sounds like a helpful term, but in this case it only helped the loan servicer, not the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XX/XX/2017 Act. # XXXX {$6700.00} There is also a collection agency by the name of " MRS BPO LLC '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: American Credit Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to American Credit Bureau. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, America Credit Bureau did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the AMERICAN CREDIT BUREAU or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original date of this debt has exceeded the 7 years old time frame 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 2020-08-20
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: Old information reappears or never goes away

Complaint:
I was not late on any payment in XXXX or XXXX please have that reflected on 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 explanation
Consumer complaint received 2018-11-25
Company: Guild Mortgage Company LLC
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: Account status incorrect

Complaint:
I have a late reported on my credit report. This is for a property I own that was in escrow. Had the escrow closed as planned, there would have been no late issue. What happened is that the buyer, literally at the last moment, at the closing, decided to back out of the transaction. I had taken the property off of auto-pay knowing that the mortgage balance would be paid in full when escrow closed. In the days that followed, as I was trying to find out why the buyer had backed out, I forget to put the mortgage back into auto pay mode. I was surprised when I received the late notice and called the bank. I spoke with their customer service department. I told them I was surprised by the late payment. They looked at the file and said 'this was in escrow, correct? ' It dawned on me then what had happened and when I asked for some consideration, noting that I had never been late before, the customer service person was very dismissive of my request saying something like " no, you were late and that's just the way it goes. '' Yes, it was in fact late, but given the circumstances, which the bank knew about, I do think they could have exercised some discretion rather than damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been calling into Navient for three days now, starting Wednesday XX/XX/2018. I have been hung up on, and transfered multiple times, without any respect. I have spoke with a manager who was extremely unprofessional, and literally laughed in face, for a matter that was less then funny. Instead of being considerate of ones situation she took joy in denying a reasonable request. My financial situation has not changed since the last time I received a payment plan aligned with my monthly income. Although my financial situation has not changed, nor has my co-signer, Navient is attempting to double my payment. Therefore I feel my information was entered into their system incorrectly. Instead on admitting at one point one of their representatives must have fraudulently entered my information incorrectly, if not this year then the prior year, she tried to accusing me of lying, and not wanting to admit I need help. That comment XXXX  me off because the whole purpose of attempting to renew my repayment plans is because I clearly needed help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), CAPITAL ONE NA, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by CAPITOL ONE NA on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and Capital One NA and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I registered for my Chase card XX/XX/XXXX. The promotion I signed up for was to spend {$2000.00} and earn XXXX reward points. I contacted Chase in XX/XX/XXXX prior to my 3 months period ending to confirm I have met the requirements and the Chase representative assured me I met the requirements and do not need to spend any additional dollar amounts. 

I tried to create my Chase XXXX rewards login but I was having trouble being that the points did not show in my account. I contacted XXXX regarding the points starting XX/XX/XXXX they assured me they will reach out to Chase and follow back up with me. A week later, I get an email from XXXX stating Chase denied my request and the offer is to spend {$3000.00} for XXXX points. I sent a screen shot of the promotion I signed up for and a few days later they responded saying they can not assist me. 

I contacted Chase multiple times and they assured me they will work on it and follow up with me. A week passed and I did not hear back from anyone. On XX/XX/XXXX I called Chase again and the representative said she would place an encounter for me to escalate my case and to follow up the following Monday. On XXXX I called back and another Chase representative said there are no notes on the account or escalations. I explained I am planning my wedding and would like to use the points soon and if possible to mark it as urgent. She told me she can't and to follow up on Friday XX/XX/XXXX. I called today and I spoke with XXXX, supervisor at Chase and he told me the request is denied and there is nothing he can do. I explained to him the offer I originally signed up for was to spend {$2000.00} for XXXX points in return which I met and was assured by a Chase representative. I told him I have a picture of the promotion and I can send it to him and he insisted Chase will not honor it. 

XXXX went on to say he can not help me however, if I can give him the EXACT date I called Chase ( over 4 months ago ) he can place a request to listen to the call. Of course, I couldn't pin point the exact date and XXXX went on to say there is nothing he can do for me. I have been a loyal Chase customer for over 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Absolute Resolutions Corp.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date:XX/XX/2019 Amount : {$1000.00} Action Taken : Sent multiple disputes and also went through CFPB and on one of my credit reports, this collection agency has a different name abbreviated which made it difficult for CFPB to locate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
open date on my credit report XX/XX/2018 Last reported : XX/XX/2018 {$300.00} reported as fraud on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
HOW MANY LETTERS DOES A PERSON NEED TO SEND THAT SAYS CEASE AND DESIST? BECAUSE I HAVE SENT XXXX TO THE COMPANY. THEY ARE CALLING AND HAVE IT UP ON MY CREDIT STILL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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: Information belongs to someone else

Complaint:
Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ACOUNT # XXXX BALANCE : {$720.00} CREDITOR : XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX XXXX XXXXXXXX XXXX XXXX DOCKETS # XXXX TYPE : CHAPTER XXXX BANKRUPTCY DISCHARGE INQUIRIES THAT DOESN'T BELONG TO ME : 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 ADDRESS BELONGS TO MY EX-WIFE, FATHER AND SON. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX JXXXX  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 non-monetary relief
Consumer complaint received 2018-11-25
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/XXXX with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter.

Filed identity theft with FTC on XX/XX/18.

Placed fraud alert on XX/XX/18.

Filed police report on XX/XX/18.

Filed certified with credit bureaus on XX/XX/18 with return receipts.

Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I was not late on any payment in XXXX or XXXX please have that reflected on 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 explanation
Consumer complaint received 2021-07-13
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

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 2020-07-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2018-02-22
Company: TCF NATIONAL BANK
State: NC
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 writing to dispute the following : XXXX XXXX XXXX XXXX XXXX ( XXXX ) account delinquency. On XX/XX/XXXX XXXX XXXX Active Deficiency Specialist for XXXX   notified me via phone that XXXX failed to provide the contract extension agreement for XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX for claim XXXX so that GAP Policy XXXX would satisfy the account. XXXX XXXX issued payment to satisfy the remaining balance following receipt of the contract extension agreement. XXXX XXXX stated my only remedy would be to dispute the item with the credit bureaus, as XXXX would not remove the negative item. I am requesting that the item be modified to accurately reflect the account status as the delinquency was due to a lapse on the part of XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: PLANET HOME LENDING, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018, our loan was paid in full as we bought another home. We have been in contact with the Loan Mitigation Department because they said the Bankruptcy Department did not have a direct line of contact. We have - {$6800.00} in the Summary of amounts past due before bankruptcy filing ( Pre-Petition Arrearage ). Our Escrow amounts have been refunded to us but they keep saying they have to reconcile the account and this has been going on since the end of XXXX since we have been inquiring about the return of our funds.

Company response to consumer: Closed with explanation