BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: Conn's, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
the incident is that Covid came and i loss 60 % of my income and email Conns and advised them of that but i didnt have no luck. i was told i in the i already ask for extension on my payment which it was paid but i dont remember making those arrangement but i ask for options for folks who lost their job or reduce income that cant make their payment. i was adv no options was available. i stop receiving alerts of payment and didnt receiving any calls. so i reach out to them today about options and all they wanted to know when and how much i was paying. this has already impacted my credit but im months behind and was told there still no options just to pay it before it charge off. i need help this is my second account i had this them and i would be current if i didnt had a loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and SANTANDER with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( 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, XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), and I was never 90 days late ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: VA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 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 2021-07-13
Company: Diverse Funding Associates LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DNF Associates which i am not familiar, is claiming that i owe them money for something that is not mine. I am requesting a validation of this so called debt by mail. I am retired and on ssi which means my income is federally protected. account number ending in XXXX, supposedly.

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: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021, I discovered a mysterious debt on my XXXX  credit report, in the amount of {$1400.00}. The line item references SUNRISE CREDIT SERVICE, and date opened ( with Sunrise ) is shown as XX/XX/2021. XXXX XXXX XXXX  is listed as the original creditor. 

I do not recognize this debt at all and do not understand why it is appearing on my credit report. It might be a result of identity theft, but I can not verify this. I disputed the debt with XXXX, but they eventually replied " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' There was nothing helpful in the report. 

On XX/XX/2021, I also emailed a letter to Sunrise Credit Services , Inc. ( XXXX ), but have heard nothing from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry by company. Dont know why this occurred. I dont know why this is showing on my credit report. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: BBVA FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Simple bank shut down this morning and the service was transfered to the parent Bank BBVA USA, hundreds, if not thousands of people are unable to access their accounts on the new platform. We can not access our accounts, or our money, customer service is not responding and no solutions have been presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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: Problem with personal statement of dispute

Complaint:
Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically XXXX saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 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 2021-03-05
Company: CITIZENS FINANCIAL GROUP, 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:
I have been Speaking To Citizens Bank about a Fraudulent on my Card about 170 Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I demand from PayPal that whatever amount they have received in the account XXXX, any credit transaction in this account I demand that it be remitted to the original credit, since this account was sold without my consent to XXXX XXXX XXXX. Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral or other transfer of any interest in a debt will cause the consumer. I have never consented to PayPal to sell any alleged debt. And to tell you that your information is incorrect, I have never had an account with XXXX  XXXX bank, it is false that I made a payment to you from a XXXX  XXXX  XXXX  account. they will have to prove that information because it is false.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I contacted TransUnion, XXXX and XXXX  and asked them all to correct the inaccuracies 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 2020-06-30
Company: Experian Information Solutions Inc.
State: LA
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 a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my XXXX report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not XXXX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
XXXX  1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX, XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX   Original Creditor Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1000.00}

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 2015-11-04
Company: SKO Brenner American, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
SKO Brennar American - collection letter rec 'd - phone XXXX XXXX XXXX XXXX, NY XXXXXXXXSent to XXXX XXXX XXXX XXXX FL XXXXTel XXXX # XXXX - they refuse to give me original creditors information and has threatened to report this onto my credit report unless I pay. 

Dear SKO Brennan American, I never rec 'd trial offer from your client. In addition when I called you to discuss the collection letter I received - your representative refused to provide me with your clients information. I feel that I am being extorted and have reported this incident to FTC. I do not want to fall victim to any fictitious claims and feel as if this is one that qualifies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: SUNTRUST BANKS, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX as requested by my builder I sent XXXX from my account at XXXX XXXX to Suntrust Bank in Florida XX/XX/XXXX -- -called builder -- did you receive funds -- he says I never sent that email XX/XX/XXXX Call XXXX they open an investigation XX/XX/XXXX investigation concludes with no funds returned to my account On or about XX/XX/XXXX I called Suntrust and spoke to XXXX XXXX in their compliance department she was not only rude but would not give you any information to assist we simply want to know where our money went and if we can get it back we are hard working people that can not afford this loss as we are building our home for our family I have the account numbers for the account involved

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 2016-02-05
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX XXXX and i, m being Deined the right to Purchase a House from HUD .My credit # is XXXX the Bank is saying that i need XXXX or XXXX to get a Home Loan even the Credit Union is saying thati need XXXX and XXXX to buy .Thats a Violation of my rights it puts me in a deined state .We are also being Deined because we don, t live in Mississippi, But we are relocating to Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Debt Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted agency to pay debt. They made a settlement for the debt. They the reported debt as late and still owing a {$64.00} balance. I have tried contacting them when I explain what happen they hang up on me each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has put on and removed this account from my credit report on multiple occasions after being confronted with evidence the original creditor continued to bill after policy was canceled because car was transferred to another owner that got another policy of her own with another insurance agency. In fact I was owed a prepaid balance! I will provide this again and would like information on how I can seek damages for years of aggravation and adverse affects of inaccurate information on 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 non-monetary relief
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I have a FTC affidavit and a police report and Experian, XXXX XXXX will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am simply trying ( having just spent an hour in my account at Navient.com ) to payoff my federal student loans in full. Navient, unlike Sallie Mae from whom Navient took over these loans, makes it pretty much prohibitive to do so : there is no option anywhere on the site to pay in full AND CLOSE THE ACCOUNT. There are options to make payments, but there is no final disposition option. I do not trust this company, if in fact I pay my balance, to close out these consolidated loans. In the past I have tried to pay off one of them in full but Navient just applied my payment evenly across both loans ( it was obvious given the amount paid that it matched the balance on one of the accounts ) so it could maximize the amount of interest it was getting. Now I just want to close this out and given that they literally do not provide that option on their site I have no confidence that my payment will in fact close this out, rather, that I will have this loan lingering. Note that their tactics- to inhibit/prohibit closing out accounts and thus eliminating their fees- is simply fraudulent, deceptive and maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: National Credit Adjusters, LLC
State: GA
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:
To whom it may concern : Please provide proof of claim of said account XXXX Provide contractual signatures and agreements of said account with your office. 
If no such documents can be provided then by fair debt collection laws you are unjustly harrassing and unlawfully attempting to collect monies not owed to you. 
You have 15 days to remove and cease and desist all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've sent the credit bureaus my information to update my personal information on my credit report but they have not done anything yet and it has been 2 months.

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: 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: 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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've sent the credit bureaus my information to update my personal information on my credit report but they have not done anything yet and it has been 2 months.

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 2018-07-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When i was XXXX XXXX XXXX I opened up my first student account, in school they never thought us how to use a bank account and my parents also i runned away from home at XXXX to move in with a boyfriend so nobody really told me how to manage a bank account I was young and XXXX was not in the right mind i was very irresponsible I did not have the knowledge I do now I want a second chance even though it might not work like that but i have a stable job now I am way more responsible now that I am XXXX XXXX XXXX I will not make the same mistake i did when i was younger Now that i am this age I want to get an apartment but they say no due to my credit score which i do not understand because i never had a credit card The only thing is i had a chase student bank account and i left it negative XXXX something i paid it 2017 but i did not know it will mess me up in the future I just want a second chance at this start off clean if that is possible

Company response to consumer: Closed with explanation