BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX originally disputed my GAP insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few hundred dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department of Insurance in regards to them not originally accepting my GAP insurance claim and refund of the several prepaid years of the insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/XXXX,Iwasinvolvedinacaraccident(atnofaultofmyown)andmyvehiclewasdeterminedtobeatotallossbytheotherparty'sinsurancecompany.Iwasinstructedbytheinsurancecompanytosurrenderthekeys,vehicle,registration,etc.Isignedlegaldocumentsthatwerenotarizedgivingtheotherparty'sinsurancecompanypowerofattorneytocompletetherestofthepaperwork.
IcontactedSantandertoinformthemoftheaccidentandtheotherparty'sinsurancecompanyalsocontactedSantandernumeroustimes.OnetimethattheycontactedSantander,Irequestedtobeonholdtoensurethatcontactwasmade.TherepresentativeverifiedthattheymadecontactwithSantander.
OnXX/XX/XXXX,IreceivedaTotalLossLetterfromtheotherparty'sinsurancecompanyshowing,infact,thatthecarwasatotallossandtheyarepayingout{$21000.00}toSantanderConsumer.
Sincethen,SantanderConsumerhasinaccuratelyreportedonmycreditreportthatIhavebeenlate,chargedoffmyaccountstating,"chargedoffasbaddebt/profitandlosswriteoff'',closedmyaccountonXX/XX/XXXXandsaysthatIhaveabalanceof{$26000.00}.SantanderevensentarepossessioncompanytomyhomeinXX/XX/XXXXataverylatehour,ringingmydoorbellanddisturbingmyfamily.Iprovidedtherepossessioncompanyacopyoftheaccidentpolicereport,totallossstatementandeventheaddresstothewreckingcompanywhotookthevehicleonthedayoftheaccidenttoprovethatthevehicleisnotinmypossessionandwastotaled.
OnXX/XX/XXXX,Santanderreceivedpaymentfromtheotherparty'sinsurancecompanyintheamountof{$21000.00}andthepaymentwasconfirmed/verifiedbytheotherparty'sinsurancecompanytohavecleared.
Theotherparty'sinsurancecompanyprovidedmewithacopyofthecheckthatwassenttoSantanderandthatcleared.
ThishascausedsuchofabigissuethatIcannotevenfilemyGAPinsurancetocovertheremainingbalanceofthetotallossbecauseoftheinaccuraciesandhasseriouslydroppedmycreditrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past month, I have received several daily phone calls from Trans World Systems , Inc. ( XXXX ) I have spoken to several agents and told them repeatedly that I am NOT the person they are trying to reach. I have spoken to agents when they call and I have even given them the phone number of the person they are attempting to contact ... .all to no avail. I was assigned my phone number through XXXX XXXX three years ago. Since that time, I have been contacted by banks, credit card firms, resorts, insurance companies, etc. all looking for the same person. I found that person by simply XXXX the name and I pass that information on. I am sick and tired of getting phone calls from this company day in and day out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been struggling with my student debt since XX/XX/XXXX. In 13 years I was never advised repayment options by XXXX or navient. I was only advised that I could keep asking for forbearance and deferment. I discovered consolidation and income based repayment myself after I filed bankruptcy. Now my debt has doubled since XX/XX/XXXX. I was never advised about the income based repayment and even then this increases my balance by XXXX every mth. I filed BKXXXX XX/XX/XXXX and filed a complaint with Ombudsman that required they remove all payment history form XX/XX/XXXXto XX/XX/XXXX and they refuse. I would like this acct investigated since it opened. They benefitted from my hardships and now I have 3 closed accts that reflect negative on my credit when I have been diligent in rebuilding my credit. When I call Navient they tell me it 'll be resolved and someone dropped the ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: United Revenue Corporation
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is n't even mine and needs to be removed immediately. I was told via phone with original company I was not liable anymore for this as it was paid for. Please remove this for my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Ability Recovery Services, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Says I opened an acct in 2015 and owe {$1100.00}. This company is not licensed to collect or contact about any type of debt in the State of Indiana. I want this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I got scam by a man who called himself XXXX XXXX. He ordered me to do wire transfers to different bank accounts. I have made multiple domestic wire transfers and cashier checks. Started from XX/XX/2020, to XX/XX/2020. When I realized it was a scam, I called chase bank to let them know, so they could try to reverse the money, but they keep on telling me to send them information that I did not even have at the time. And that was how I lost thousands of dollars. Some of the money was coming from the Illinois Department of Employment Security, which I asked XXXX to send me proof of where the money was coming from but, he lied and lied said that he had an investment with the government that was why IDES sent him money. The total amount of money I received from IDES was around $ XXXX. He told me to send $ XXXX to XXXX XXXX XXXX, $ XXXX to XXXX XXXX, $ XXXX to XXXX XXXX XXXX, and $ XXXX and to XXXX XXXX. From my kids ' savings was {$12.00} to XXXX XXXX XXXX, $ XXXX from my chase credit card, another $ XXXX from my salary plus payday loans and personal loans. I explained things to chase customer service, and they have done nothing about it. They just keep the rest of the money I had on the account and closed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I talked with Portfolio Recovery about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from Portfolio Recovery dated XX/XX/XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that Portfolio Recovery having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to XXXX XXXX, I was only an AUTHORIZED USER and not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: IN
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 Account, 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 explanation
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When I saw my credit report it showed 7 or more inquires most of them I did not recognize or have done without my authorization or knowledge.

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 2020-06-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with SunTrust Bank and I requested a forbearance under the CARES Act, so they granted me three months of forbearance. Now, however, they want all three months paid or I will be deemed delinquent. How is that possible? What was the forbearance for under the CARES Act? If I could not pay during the last three months, how do they think that I can all of a sudden pay all three months in one lump sum? Is that how this works? 

Also, I had to file for bankruptcy during this period and now the bank is holding that against me stating that they will not accept a reaffirmation agreement until I pay the lump sum. In effect, they are discriminating against me for having filed bankruptcy.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old deleted identity theft account that was on my previous credit report, has reappeared as a new collection. This is illegal as the stated account is not mine, and it should not be sold to a new lender as new 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 2020-12-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. its been over 30 days.

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 2018-06-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Hello, the last time I spoke to my Private Student Loan Lender ( Navient ) was in XX/XX/2016. I was about to begin a Master 's program that would place my loan on hold payment. In that conversation, which was one of over a dozen on this topic, I inquired about my balance. I couldn't understand how I had been paying so much money toward my loan and the balance was increasing -- yes, INCREASING. To date, I have paid {$39000.00} toward my private student loan which had a beginning balance of {$75000.00}. According to the company, only {$6000.00} has gone toward the principal balance while the remainder has gone toward interest. Even if this were a true statement, that would mean my principal balance would have decreased by at least {$6000.00} ... instead it has INCREASED over {$30000.00}. The loan is now at a balance of $ XXXX ... my payments do nothing. The loan will never get paid off. It only continues to go up. Please, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, 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:
XXXX XXXX - originally reported an account to the Equifax. It was a apart of an auto accident which settled. As a part of the settlement they agreed to delete the account from my credit file. They received the payment and removed the collections from their account and requested it to be removed from my credit report in XX/XX/2018. As of today, Equifax is still showing the collection. XXXX XXXX along with myself contacted Equifax. They stated they are still showing XXXX XXXX  reporting it. XXXX  stated to Equifax, it is not showing on their end and they are not reporting it. They sent a letter to Equifax requesting it be removed completely because it should not be reporting at all. Equifax is refusing to remove the collection. The amount is for {$31.00}. The original debtor was XXXX. Even through escalations to a supervisor and manager within Equifax, they still refuse to remove it even though XXXX is demanding it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack.

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 2020-10-11
Company: Experian Information Solutions 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 paid {$4000.00} to pay off in full a XXXX  XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.

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 2020-06-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  should not be reporting a collection/chargoff in the amount of {$12000.00} to XXXX ; Experian and XXXX on the XXXX XXXX CRED partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This same account is also reporting as a Judgment with XXXX XXXX XXXX XXXX partial Docket # XXXX. ( Please see page attached from my credit report. ) First, this account was sold to XXXX a collection agency. This account can not be reporting multiple times since it has gone to collections and a Judgment was granted. This is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting the same account multiple times is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-24
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: Account information incorrect

Complaint:
XXXX XXXX XXXX should not be reporting a collection/chargoff in the amount of {$12000.00} to XXXX ; XXXX and Transunion on the XXXX XXXX CRED partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This same account is also reporting as a Judgment with XXXX XXXX XXXX XXXX partial Docket # XXXX. ( Please see page attached from my credit report. ) First, this account was sold to XXXX a collection agency. This account can not be reporting multiple times since it has gone to collections and a Judgment was granted. This is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting the same account multiple times is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-08-10
Company: Experian Information Solutions 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:
XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy.

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The have violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-24
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Jefferson Capital System is attempting to collect a XXXX XXXX debt that was discharged in 2006 bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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 VIOLATION FCRA INQUIRIES NOT AUTHORIZED

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