BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.

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 2018-02-03
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:
I am filing a complaint against the 3 credit bureaus XXXX, Equifax, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and XXXX removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
There was a Navient AG Multi-State Settlement, where there was private loan debt cancellation given to individuals who had student loans with Navient. There were specific things that made borrowers eligible. According to XXXX, " The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. '' Some requirements listed were : -Generally, to be eligible for private loan debt relief, the borrower must have fallen behind on payments by more than seven months at some point before XX/XX/XXXX. 
-Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
-Generally, to qualify, the borrowers mailing address on file with Navient as of XX/XX/XXXX, must be within one of the restitution-participating states listed above, Arkansas, Kansas XXXX Michigan XXXX Rhode Island, South Carolina, Vermont XXXX West Virginia, or associated with a military address postal code.

I never received a notice from navient, even though I believe based on the requirements I qualify for the debt cancellation. I was deliquent on my loan payments majority of XXXX, because I had a hardship in XX/XX/XXXX and couldnt make payments for XXXX and several months following this. I had six loan accounts with Navient, and by XX/XX/XXXX XXXX of those loans defaulted, XX/XX/XXXX XXXX more defaulted and XX/XX/XXXX the last loan defaulted. That would mean by XX/XX/XXXX, I would have fell within the requirements of being more that 7 months delinquent. I was not aware of the of the pending lawsuit, but in XX/XX/XXXX I went into a settlement agreement for the first loan that went default, in XXXX I went into another settlement for the next four loans, and in XXXX in XXXX I went into a settlement for the last loan. I believe if that if I was eligible, I should be reimbursed for the money paid out during the settlement agreements, and my remaining balance should be cancelled. 

If any account details are needed, my account number with Navient is XXXX. If further information is needed, I can provide whatever it is. I have the loan numbers, the amounts paid in my settlements, and also the remaining balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: FREEDOM FINANCIAL NETWORK
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I started with Freedom Debt Relief in XX/XX/XXXX after trying to maintain minimum payments on a long list of credit card accounts. 

I was having a hard time making headway making minimum payments on our cards and needed to find some relief. I thought that going to a Debt Consolidation place would be the best fit. When I attempted to sign up, I wanted to get approved for a loan to consolidate all the debt, they told me I did not qualify for a loan which I believe was just a ploy to get me into their settlement program. 

I had no other options at that point but to do the settlement program. Prior to this, I had no late payments on any of my accounts and was told to stop making payments on my accounts so that they could go delinquent, it was only then that FDR could assist on my behalf. I enrolled my debt and continued making payments monthly to FDR who began settling my debts. 

In the fall of XXXX, they reevaluated my account and said based on my current settlements outstanding and the monthly payment I was making, they would need to extend my program from the initial 4 years to pay off because of all the extra fees and interest that accumulated. They then suggested we try the consolidation loan again and I was approved, but at a super high interest rate. 

Today I am paying XXXX a month on a XXXX $ loan and it is absolutely killing me. My credit is absolutely TANKED, I can not get approved for any type of loan that would help me get out of the situation that I am in with these high interest payments because of all the delinquent payments that are now showing on my credit report. 

I am stuck. I am tired of living pay check to paycheck. I feel like FDR totally scammed me and in the end has ruined my previously stellar credit reporting history by their " stop paying your payment '' tactics only to get me to pay " settlement fees '' to them and now higher interest. In the end, I will probably be paying more on this loan then I would have with the credit cards if I handled them individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/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 2022-10-28
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: Their investigation did not fix an error on your report

Complaint:
XXXX is consistently dropping my score and incorrectly reporting the wrong credit score. 

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason. 

Transunion is also inconsistent with XXXX and XXXX. 
All 3 credit bureaus are inconsistent with each other, how can this be? 
Please help!

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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My XXXX XXXX card was paid in full in XX/XX/2018. I personally bank with XXXX. XXXX notified all THREE BUREAUS that the ACCOUNT WAS PAID IN FULL AND CLOSED AT THE CUSTOMERS REQUEST. Transunion, not only has NOT updated the information despite being contacted no less than 5 times, but even TODAY they still have it that I have an outstanding balance of {$6500.00}. This is VERY DAMAGING TO MY CREDIT SCORE. Attached, is a copy of the Statement, as well as a copy showing that the account is closed and PAID IN FULL.

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 2021-04-14
Company: AmeriCollect
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 federally protected consumer sent AMERICOLLECT Inc a cease and desist letter that they received XX/XX/2020 demanding that AMERICOLLECT INC cease communication through all mediums of communication. AMERICOLLECT has called me a total of 19 times after receiving my cease and desist letter. I spoke with a manager at AMERICOLLECT named XXXX XXXX ID XXXX and she acknowledge the company receiving the letter and the repeated phone calls to me. This is a violation of 15 USC 1692c ( c ). This phone calls after the cease and desist letter is a abusive debt collection practice and the pattern of phone calls indicates harassment. This is also a violation of 15 USC 1692d ( 5 ). AMERICOLLECT has removed their tradeline from my consumer reports Deletion is admission to violations of the law. AMERICOLLECT has never received direct consent from me to communicate with me on this allege debt. AMERICOLLECT also received my debt validation letter XX/XX/2020 and did not provide any of the documentation according to the law or what was requested. 

PLEASE REVIEW MY AFFIDAVIT OF TRUTH FOR MORE DETAILS ON AMERICOLLECT ACTION THAT WERE VIOLATIONS OF THE LAW. 

My complaint, demands and documentation is clear and concise. The debt collect has permission to respond via the cfpb website. As a cfpb agent, I expect that the cfpb will hold AMERICOLLECT INC to the highest standard of the law. The cfpb is in place to protect the consumer and uphold the law against abusive debt collection. Please do not allow AMERICOLLECT INC to reply with just anything and close the complaint. AMERICOLLECT INC has clearly, willfully, and knowing violated the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Hello, On XX/XX/2022, I, XXXX XXXX, sent Ally Financial an AFFIDAVIT OF TRUTH / AFFIDAVIT OF RESPONSE FOR CEASE AND Consumer Enforcement as Administrative Counter-Claim by Private Right of Action and a notice of violation of the Truth and Lending Act and XX/XX/2022 and to their Agent. Their response was that documents I sent was not legally binding to them and that the Affidavit was not a proper form of payment but that is not what I intended nor the outcome I wanted. I have sent and asked for Upon the discovery of the fraud, deception, and many violations pursuant to 15 USC 1681p there is no statute of limitations on the discovery of fraud. The gross deception in the contract which involves violations of the Truth in Lending Act 15 USC 1601, violations against ECOA 15 USC 1691, violations of Discrimination 15 USC 13, violations of False and Misrepresentation 15 USC 1692e, violations of Deceptive forms known as the Retail Installment Contractor Agreement to 15 USC 1692j. Finally, once XXXX XXXX XXXX XXXX had benefit by taking advantage of me, they then unlawful assigned/self of my contract which was my private Negotiable Instrument to Ally Financial for their profit. In exercising my consumer rights, Ally Financial then proceeded to violate 15 USC 1666e by restricting my payment account and threatening to repossess my vehicle and can be held liable in court under 15 USC 1693m.

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 2022-08-15
Company: EQUIFAX, INC.
State: AR
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XXXX/XXXX/2020, XXXX/XXXX/2020, XXXX/XXXX/2020, including a complaint warning letter dated XXXX/XXXX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not 30 days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-11-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I used a service on XXXX to paint my wheels and calipers. After the work is completed as the service performer indicated, I paid him {$700.00} via XXXX. 

After removing the masking off my rims, I saw the damage that was done to my vehicle which includes damage to brake rotors, overspray to multiple areas of the car ( paint damage ) and the service itself was defective and not as agreed on before. 

I tried to contact the service provider but he did not come back nor answered my text until this date. Therefore, I tried to dispute the charge with my bank ( Chase bank ) along with : 1- colored pictures of the defective service which shows the damage done plus the defective service. 
2- a letter with a second opinion from a business that offers same type of services performed on my vehicle by the provider And, today Chase declined my dispute because it doesnt fall within XXXX guidelines for a dispute. Although all the proof and evidence submitted qualifies for a dispute under defective or not as described service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Two months ago I purchased some items on JC Penney website. Some items shipped while 1 did not. 

I went to the local store when they opened to return a ring that did not fit. While I was there I asked to cancel and refund the necklace I did not get yet. 

As in most cases soon as I am billed I pay my credit card off in full. So I got the refunds and cancelled the order. 

Then I went and purchase a new ring, necklace and some other gifts. 

Over a month passes and out of the blue I get an email that my order shipped. I called JCP customer services and like most large companies the services is discombobulated, and as you can guess I got nowhere. 

The item arrived last month, so I called and got a return label which was not provided with the order. Then took it to a XXXX XXXX to return. 

3 weeks pass and as I am checking my accounts on line i see a charge for that item again. I called JCP customer services, the rep could not help me so I got a mgr online. 

I told her because of everything why should I pay and then have to wait for a refund? 
Haven't i been through enough? She finally said she would issue the payment. 

I think that call caused her to say something and it caused closure of the account. 

I finally got a credit but I can not tell if there are missing amounts or not. That is a deceptive way of doing business. The letter of closure is dated the same day as the call with customer services.

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 2023-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 am not liable for this debt with capital one. I do not have a contract with capital one. They did not provide me with the original contract as requested. 

I am not liable for this debt with XXXX  XXXX XXXX XXXX. I do not have a contract with capital one. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WELLS FARGO DEALER SVCS
XXXX XXXX XXXX XXXX, NC
XXXX
HAS BEEN SENDING ME COLLECTION NOTICES. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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