BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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  XXXX XXXX was reporting a balance of {$270.00} of {$300.00} limit causing a credit rating decline. I paid this account off in full XX/XX/2020 as shown by XXXX XXXX. Transunion still to this day shows a balance of {$270.00} of {$300.00} that is dropping my rating every month several points. XXXX XXXX claims to be reporting it as XXXX balance, but Transunion still will not correct it claiming {$270.00} of {$300.00} is a correct balance when I disputed it 3 times dating XX/XX/2020, XX/XX/2020, and XX/XX/2020. I want this corrected ASAP.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from 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 2023-07-08
Company: U.S. BANCORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have opened an account XXXX weeks ago and deposited our New Mexico income tax check they had put a hold on in for 7 days they released XXXX out of it was supposed to release the other XXXX on the XXXX of XXXX now being said they are trying to keep my funds but in that time I had deposited XXXX checks that came back as returned which I took care of that with the money that was released so I paid off those return checks now they are trying to hold my money and close my account

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 2021-07-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2015 Balance : 0 Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC Violations XXXX XXXX {$810.00} XXXX {$20000.00} XXXX {$1700.00} XXXX XXXX 's {$270.00} XXXX  {$1300.00} XXXX XXXX {$520.00} XXXX  {$840.00} XXXX   consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the District of Columbia. It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million  worth of outstanding loan payments. It also agreed to pay {$7.00} million  to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ).

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 2020-12-23
Company: Meridian Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

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 2020-07-20
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medicredit, Inc is attempting to collect an alleged debt attributed to me by XXXX XXXX XXXX XXXX XXXX. Account # XXXX, date of service XX/XX/2020, {$220.00}. This debt does not belong to me. 

I have asked Medicredit to provide me documentation for my review which establishes the account as mine. Ideally, this would include my dated signature, a receipt of the goods or services provided, and a copy of my identification. I have written to Medicredit to formally dispute this debt and request this documentation -- it has not been provided. I have requested Medicredit to discontinue attempts to contact me by telephone, but I still routinely receive auto-dialed calls and requests to communicate by telephone. I have asked Medicredit to report the debt as unverified and disputed, but credit reports do not show the disputed nature of the debt.

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 2020-12-04
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hey my name is XXXX XXXX and I opened an account with chime online banking my unemployment deposited on XX/XX/2020 on XXXX XXXX,2020 chime online banking randomly suspended my account with out my knowledge I didnt know until I was ready too use my card for a store purchased I called chime online banking customer service and they couldnt give me any information I was told to contact there support team only through email. And once i did contact chime support team they asked for documents too prove it was me and and did so with the best of abilities and I told them Im in a middle of a crisis with my XXXX  basically XXXX  and I jus need my funds released.it took me two days too get a response only after threatening them with the attorney general and lawyers and chime support responded with an email stating that there jus going too close the account and my would be refunded that was a week ago and I emailed them again asking if and when my funds will be released chime support team responded say they can not give me any details and stop responding

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
XX/XX/2019 was contacted by Navient because my loans were out of wack. 

I have 3 loans, the lady continually said all 3 loans are covered and for XXXX a month we will take out two separate charges and all 3 loans will be in good standing ...

Fast forward 6 months and they say 1 loan has not be attended too and Im 3-4 months behind.. I asked about what I was previously told and was acted like I was a lair..

Finally a supervisor said she would review the call and get back to me a week later ... .no one ever called me back so I called and it was the same XXXX ... 

They reported to me credit and are claiming my loan will be in default when I have been lied too the entire time. 


They have constantly messed up my loans, changed the rates on them, and generally rude and abusive with their tactics ... its truly unfair and not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$340.00}

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 non-monetary relief
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After reviewing my annualXXXX XXXX XXXX currently only reports on Transunion, I'm not sure where Transunion is getting this information from but neither XXXX  or XXXX  currently reports XXXX XXXX XXXX. This is inconsistent and inaccurate reporting by transunion a violation of FCRA rules.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.

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 2020-07-20
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
VIOLATOR ID:XXXX  TRANSPONDER #: XXXX  
I REACHED OUT VIA PHONE TO A CUSTOMER SERVICE REPRESENTATIVE ABOUT A $XXXX  NOTICE I RECEIVED FOR TOLL VIOLATIONS. I REQUESTED THE REPRESENTATIVE TO EXPLAIN WHY I HAD ALL THE VIOLATIONS. SHE COULD NOT OR DID NOT WANT TO EXPLAIN TO ME ABOUT THE VIOLATIONS I WAS TOLD TO REACH CUSTOMER SERVICE VIA EMAIL AT: XXXX
I DID ON XX/XX/XXXX THE VIOLATIONS DATE BACK TOXX/XX/XXXX. I HAVE BANK STATEMENTS SHOWING REFILLS ON THE XX/XX/XXXX WITH REPRESENTATIVES AND THROUGH 3RD PARTIES LIKE XX/XX/XXXXOR XX/XX/XXXX. NO ONE RETURNED MY EMAIL SENT. I RESENT AN EMAIL TODAYXX/XX/XXXXXX/XX/XXXX I WILL CONTACT VIA PHONE TOMORROW XX/XX/XXXX I HAVE RECEIVED A NOTICE FROM THE COLLECTION SERVICE XXXX  USES THIS AFTERNOON WITH 10 COLLECTIONS FOR THE CHARGES BEING MADE. NOT EVEN ONE XXXX COLLECTION BUT THE BALANCE DIVIDED IN TO 10. I NEED SOMEONE TO REACH OUT TO ME BECAUSE THIS SITUATION HAS ESCALATED TO A FRAUDULENT COLLECTION CLAIM BEING ISSUED OUT AGAINST ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting erroneous information on my credit file. Equifax has refused to properly investigate my dispute and provide me detailed documentation, and DELETE this incorrect item from my credit file. 

Equifax is refusing to delete the following erroneous item from my credit file : Chapter XXXX Bankruptcy I filed this dispute with Equifax online on XX/XX/2020 and less than 24 hours ( XX/XX/2020 ), I am being told it has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my TransUnion report with no explanation. I have disputed this again with no luck. I am demanding that XXXX  abide by the FCRA & delete this account from my credit report. It is fraud & damaging to my credit!

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 2020-07-20
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Purchased a used XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX va, set up with direct payments to Bridecrest Financial, first scheduled car payment of XXXX did go though on XX/XX/XXXX and clear the my checking account. i received phone call from Brigdecrest on XX/XX/XXXX after i canceled a XXXX extended warranty and GAP insurance that there was problem with the down payment of XXXX dollars and a block was placed on the debt card, i called XXXX XXXX and the rep claimed since it was a large payment of XXXX it was declined but could recharge, i called Bridecrest the rep explained i would need a letter from XXXX XXXX Bank Manager stating it was the bank fault, i called XXXX XXXX since no branches were opened due to covid 19 and the rep said send the reason it was declined off the online banking statement which i did and put the charge back though, Bridgecrest would not except and claimed i was in default of the contract terms for the down payment which i could have reinstated that day, Brigdecrest denied any further payments which i offered to pay more per month I asked how can this be adjusted or worked out the rep explained it can't and won't we are going to repo the car, i tried everything in my power to correct the situation and they offered no resolution on this matter the car was repossessed on XX/XX/XXXX and the rep claimed it would be a contract rewind and wouldn't show up on my credit report, a week later showed up as repo on all three credit reports and can't get another car loan, i have not received any notification from Bridecrest on this matter and have called Bridgecrest many times they claim it takes time remove from credit report. on XX/XX/XXXX spoke with Bridecrest collection and the car is being sold at auction and i will be responsible for any balance left over, i was never notified from Bridgecrest that they intended to auction off this isn't the first case of this happening though Brigdecrest over 1000 complaints to XXXX of misleading contracts, this company needs to be investigated by VA states attorney 's office

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 2020-07-20
Company: Experian Information Solutions Inc.
State: MA
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 held different credits cards from chase at different times and always paid my debt in full. In XXXX, I requested for my account to be closed and paid off my balance on the last account I held with XXXX. 
In XXXX, I discovered that a negative report was placed on my credit score. I disputed this with Experian and called XXXX to find out why there was a negative report on my account. I got a run around from, purchasing some items while in XXXX in XXXX of XXXX or XX/XX/XXXX. I denied ever stepping foot in XXXX or making any purchases with a chase card credit card in over 2 years. This charge was ascribed to the different cards I had used and closed. I pointed this out to the representative and even him the last chase credit card number I held. I requested for a copy of the statement showing what was charged in my account as I had closed all my chase cards, but XXXX declined to give me a copy of the statement. 
It is for this reason that I am making a complaint against XXXX for the wrongful negative report as there was a charge after I paid up my account. I do not owe XXXX XXXX any amount and wish the negative report lifted from my account as it is erroneous.

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 2020-07-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I recently traded in a Nissan automobile and purchased a new one. During the trade in / paperwork transition the company billed me and deducted a payment from my checking account on the vehicle I traded in. It was in the amount of {$740.00}. They told me on XX/XX/2020 that they would mail me a refund for the overpayment of the above amount. To this day I have yet to receive my refund. I have made numerous calls to Nissan Finance in XXXX Texas and been told various stories. I have been told they sent me a check on XX/XX/XXXX, ( I never received it ). I have complained and asked for my money which is long overdue. I feel they are fraudulently withholding my money. I get a different person each time I call. I have been told they are sending me my check via XXXX overnight, Ive been told another check was sent XX/XX/XXXX and XX/XX/XXXX. I am beyond frustrated and feel the company is being deceitful. This is the fourth Nissan I have purchased and financed with Nissan Finance. They have my address. There is no reason for this to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
I contacted Experian and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. This have been going on for over a year.

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 2023-07-10
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify 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 explanation
Consumer complaint received 2023-08-02
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV HSBC {$8400.00} duplicate entry for debt on XXXX and XXXX reported as Open accounts ; LVNV XXXX  {$8400.00} debt reported as an Open account on XXXX. 

XX/XX/XXXX Entry for Default Judgement in State of XXXX ; XX/XX/XXXX Release granted by the State of XXXX  ; XX/XX/XXXX LVNV acknowledged receipt of Release.

Company response to consumer: Closed with explanation