BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 tried to resolve this with Transunion but the company has failed to investigate this account that is still inaccurate, incomplete and unverifiable. 

On XX/XX/XXXX I sent a letter to Transunion in which they received it on XX/XX/XXXX about The Department of Veterans affairs account they are reporting inaccurately on my report. I sent the dispute letter to get it fixed because the information was not matching with the other bureaus. Transunion just updated the information but did not fix the error. 

I sent another letter on XX/XX/XXXX and they received it, on XX/XX/XXXX. In this letter I pointed out the inaccuracies but instead of doing a proper investigation within the 30 days. Transunion proceeded to make up a balance of {$2700.00} and then had the wrong close date on the account of XX/XX/XXXX. 

Frustrated I sent a third letter with no response. 


I sent a letter to the creditor Department of Veterans affairs, they said the balance was {$1900.00} and the close date was XX/XX/XXXX. They also proceeded to tell me to take it up with the CRA. When I tried to do that already.

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 2022-01-14
Company: National Credit Systems,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:
Hi, I XXXX XXXX XXXX XXXX, am a consumer with protected consumer rights. After careful review of my consumer report and in comparison with the Federal Consumer Laws it is apparent that your company is violating my consumer rights. 

If you look at the law 15 USC 1681a 2 ( A ) ( i ) it clearly states my consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Furthermore, those transactions and experiences are excluded. 

Your reporting of experiences and/or transactions on my consumer report is a direct violation according to congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: CA
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:
Back in XXXX ofXX/XX/XXXX, I submitted a request to remove a fraudulent account on my XXXX credit report of a XXXX XXXX Credit Card that I did not open nor did I sign any documents for. I never saw the account on my file until it became maxed out, then delinquent and then charged off. No explanation was given and this was opened during the massive XXXX XXXX fraud case and I suspected it was the case but when I went to complain to XXXX, they contacted XXXX XXXX and of course they updated or " Verified '' the account but never sent me any documentation as to why that would be the case. The Charge off on my credit report is completely fraudulent and was never opened with my persmission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Data and Contact Management Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I informed DCM Services that ( 1 ) The person owing the debt has XXXX and his estate is broke. I gave them the name and phone number of the Attorney handling his Estate for Probate/ informing DCM the above information in late XXXX, 2017.
( 2 ) During at least 2 phone calls DCM made to collect the debt, I informed them the estate has no money to pay these bills. I also reiterated that I had hired an Attorney to settle his Probate.
( 3 ) In XXXX, 2017, I received 5 letters attempting to collect balance due.
( 4 ) Attorney representing this Probate case has informed me that she, too, continually is receiving notices of this debt owed by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting 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 non-monetary relief
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I tried to transfer funds from a Coinbase/GDAX account and have not received any confirmation nor successful notification of a withdrawal. On XXXX XXXX, 2017, GDAX transferred funds using an ACH transfer to a XXXX XXXX XXXX account.I've contacted them twice through their support system, but there's been XXXX response or acknowledgement of my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: FC HoldCo LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was involved in an car accident in XX/XX/2015. The car resulted in a total loss, i submitted all the proper paperwork to my insurance company and GAP. My insurance- XXXX XXXX paid off the majority of the vehicle debt. the only problem was my GAP insurance did not pay off the remaining balance due to an incorrect cancellation. XXXX XXXX XXXX, XXXX requested GAP to be cancelled instead of paid out resulting in a balance that should have been covered completely and not a partial payment leaving me with a balance. I tried to dispute it with XXXX XXXX XXXX but they told me the case has been closed ( and filed incorrectly as a cancellation instead of a pay out ) and there was no way for them to reopen up the case and for the case to get settled.

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 2021-11-05
Company: Mountain Run Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX of XXXX I received an alert the company placed a derogatory mark on my XXXX XXXX. I contacted XXXX XXXX. And I requested two validation letters by mail from the company on XX/XX/XXXX, and XX/XX/XXXX. On XXXX XXXX alerted and informed me Mountain Run Solutions removed the invalid debt. 
On XX/XX/XXXX I received an alert Mountain Run Solutions has now placed A Derogatory mark on my XXXX credit report. 
The debt amount on my credit is {$210.00} an they claimed it was opened XX/XX/XXXX. XXXX XXXX. The company has never responded to my letters or sent me any validation documents that I requested from my letters.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, i was on XXXX XXXX  and i found someone selling XXXX XXXX concert tickets for XXXX $ each. I was able to negotiate it down to XXXX $ each and exchanged numbers with the individual, they called me over the phone from the following number : XXXX and told me theyd send me one ticket via XXXX XXXX, and i could send them XXXX $ and then theyd send me the second ticket via XXXX XXXX and i could send the other half of the money. the individual sent me both tickets and transferred them via XXXX XXXX. i then received a XXXX  request for XXXX XXXX which i immediately paid for. the very following morning, i realized the tickets i was sent were fakes, and the person that sold me the tickets, sold the same tickets to other people. i created another username on XXXX XXXX to contact the potential scammer and to inquire if they still had available tickets for the concert and they agreed they did have, and sent me the same tickets they sent me yesterday which i already confirmed were fakes, i immediately contacted my bank, JP morgan chase to file a charge back and dispute. My dispute number is XXXX but i was informed by the chase rep that it was likely i was not going to get my money back because there is no purchase protection on XXXX. this is very unfair as i did the responsible thing and i contacted my bank institution immediately!!!! I need and want my XXXX $ back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I will like to add to the previous complaint number XXXX. I received the reinstatement letter that Chase sent me for the reinstatement of the loan which HAF program is helping save home. We are trying to reinstate loan and chase has violated two provisions of the FDCPA. Cites 15.U.S.C. 1692e which the debt is misleading and U.S.C. 1692f ( ) unfair attempt to collect unauthorized fees. They violated by charging a non itemized corporate advance balance to reinstate the defaulted mortgage loan. its unfair to consumers under FDCPA to hide the true character of the debt thereby it impairing my ability to knowledgeable assess the validity of the debt. Therefore the debt violated the the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have financed my automobile through Nissan Motor Finance since XXXX of XXXX. I have a 5 year loan on my vehicle. My monthly payments were made via auto pay on time every month for 3 years without incident. In XXXX of XXXX, Nissan Finance, without any warning or notification, simply stopped taking my auto payments. I received no late payment notice, and only stumbled upon the fact that the XXXX payment was not taken when the XXXX  payment came due..by this time the XXXX payment had been reported to the credit reporting agencies as 30 days past due.
According to Nissan, although I have a 5 year loan, the auto payment option stopped at the end of three years and had to be manually reinstated by me via their website at that time. I had no idea, nothing in the loan paperwork tells me this. One might have thought they might have notified me that this was the case.
I have reinstated the auto pay, and all payments continue to be made every month.
Attempts to have the late payment removed from my credit report have been futile. I feel strongly that this should not be on my credit report, as I did not " miss '' a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-29
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: Problem with personal statement of dispute

Complaint:
CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. XXXX XXXX and Experian has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response dated XX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported fromXX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when XXXX XXXX recently removed the information while Experian had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok. XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now 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 non-monetary relief
Consumer complaint received 2021-02-18
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:
On today I was informed that my credit file was being suppressed because a creditor / collection agency has stated I am not who I say I am. The credit agency is now asking me for a copy of my social security card for which I am already a victim of identity theft HOW CAN A COMPANY ( collection or otherwise ) have influence to suppress and or block my credit account without prior authorization. I have not elected for a freeze that would create this effect. 


This is a violation of the fair credit reporting act. not to mention my rights as a citizen. I am a citizen of the UNITED STATES OF AMERICA. Any information given to credit agencies is then shared with the collection companies even if it is reported as FRAUD with the affidavit and police reports on file. It does not seem as though the credit agency can be unbiased and act with integrity. This is STRESSFUL AND IS a form of discrimination. This paralyzes me to provide for my family and any business that I may be conducting business with.

This needs to be removed immediately.

I will be filing complaints with the FTC CFPB XXXX  TEXAS ATTORNEY GENERAL DEPT OF JUSTICE Governor of TEXAS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage holder recalculated our escrow payment balance in XX/XX/2021. They " discovered '' that we had over funded the account and they wrote us a check for {$6000.00}, the current balance of the account. Additionally, they lowered our mortgage payment by almost $ 1000 monthly. 

However, this recalculation was incorrect and had our new property tax allotment in escrow payments at 0 dollars a month. We called to let them know this was incorrect. They asked us to deposit the amount of the check they sent us to our escrow account and that they would run a reanalysis for escrow payments. 

Next month, our payment was still incorrect and we'd heard nothing back from the company. I called again and they're running another analysis to hopefully fix the the problem. 

The issue i have is every miscalculated payment increases my mortgage payment by ~ {$100.00} a month when they finally get around to realizing i do in fact owe property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: National Enterprise Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022. Opportunity to cure was sent to the debt collector. Even though they turned the account back over to XXXX, they never sent validation of the alleged debt, pursuant to 15USC 1692 I never gave NATIONAL ENTERPRISE SYSTEMS permission to communicate with me concerning the alleged debt, and the company still violated my consumer rights. NATIONAL ENTERPRISE STSTEMS is still in violation. I hope that we can reach a valid resolution.

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 2017-09-25
Company: Professional Debt Mediation, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice of the debt in XXXX with no other validation. After my research I have discovered that this entity is not authorized in the state of XXXX to collect a debt, as they are not licensed or bonded by state guidelines.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to instate a credit freeze with XXXX, Experian, and XXXX. All attempts failed beginning at XXXX PST. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and XXXX to have to ASK my permission to use my identity information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently owe {$310.00}. They have badgered me with calls all throughout the day, everyday. This account was opened XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 I suddenly got a collections notification for around {$400.00} from some company named Receivables Management Systems. I looked online for the company as I had no idea about this charge being out there. Website : XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX, VA XXXX. Phone number : XXXX. I first tried to call in XXXX of that year after still not knowing where it came from. I would call with no answer for a couple months and then just a cracking line and someone yelling hello on the other end. When I finally spoke with someone they stated it was from a trip to XXXX XXXX. I called XXXX XXXX to get more information regarding this claim. They did inform me it was a charge for my daughter nearly a year and a half prior ( We have lived in the same location this whole time ). I then tried to get ahold of Receivables Management to rectify the situation. The woman kept repeating " Are you paying in full today? '' No matter what I asked. In the end we both were screaming into our phones. I then called XXXX XXXX to see if they could help but they're financial department could do nothing now it was with the collection agency. I have verification my daughter was covered by XXXX at the time. I have never seen a letter in the mail from these people. They don't even call. It just appeared on my report and will not go away. I highly recommend at least transferring my debt to another company I can actually speak with. If it were my bill and I knew about it long ago I would have just paid.

Company response to consumer: Closed with explanation