BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute for a Bankruptcy listed on my credit report and asked XXXX  to verify the public record. XXXX  has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy Court-Northern District of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if XXXX  can not show how they verified this public record Remove this entry 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 explanation
Consumer complaint received 2019-04-02
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It started with a charge from from XXXX. ( XX/XX/2015 ) I sent two phone back to them because they were damaged. I paid my insurance deductible and sent the phones back Via the postal backs they supplied. At first they said they got them, then they sent a bill for them as not turned in. For years we when over and over about this to where a XXXX XXXX bill is now XXXX XXXX dollar bill. 
The fact of the mater is that some miss place or taken the two phones we sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Experian Information Solutions Inc.
State: MD
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 on more than two occasions requested that Experian and XXXX remove an alleged bankruptcy which they are reporting under my name in my their credit files. Letters which have been composed by me have repeatedly asked them to validate and verify the alleged bankruptcy and both companies have corresponded that the bankruptcy has been verified from the company which provided the information to them. The company which they are speaking of is XXXX XXXX and that company has no such bankruptcy listed in my file. I have received a copy of my XXXX XXXX file and see no such information within their database. On another level of complaint with the same erroneous and alleged bankruptcy information, according to the new law effective XXXX XXXX, XXXX any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. Experian ( Report # XXXX, dated XXXX XXXX, XXXX ) and XXXX ( File # XXXX, dated XXXX XXXX, XXXX ) have not provided this information on the credit report that they maintain in my name. This is a violation of the new law. Because I have repeatedly inquired with both companies and they have both claimed that it is verified, the erroneous information does not have the minimum required information listed in this alleged bankruptcy, and they are not willing to do the proper investigation into this matter, I am requesting your assistance with this issue. I have credit file documents ( provided here ), certified and return receipt mailings from the United States Postal Service ( provided upon request ) tofurther solidify my complain which I am presenting. I am very frustrated with both companies and their lack of diligence and because this incorrect information is being reported, offers are not being executed. There is no such bankruptcy being reported on XXXX and XXXX ( both provided here ) and  this information was also sent to the two credit bureaus as well.

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 2020-06-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter to SLS ( Specialized Loan Service ) to provide information so as to clear an apparently debt they say I owe. I have spoken to XXXX on several occasions and was informed that the information I requested was sent on XX/XX/XXXX and XX/XX/XXXX but as yet ( XX/XX/XXXX ) I have not received any information. According to YELP and even comments on SLS Website indicate that SLS is not responsive to customers request and I beginning to believe this is true. The following is the information I requested from SLS. 

Provide the amount which was assumed from XXXX in XX/XX/XXXX. 
What is my payoff balance as of XX/XX/XXXX? 
What is the daily interest rate on this loan? 
I would like to speak with someone whom I can discuss the amount that is claimed I owe and see if this amount can be reduced. As I have mentioned previously I contacted SLS in XX/XX/XXXX to discuss this loan, which I didn't know I had, and was told there was no record of me nor that I had a loan with SLS. I believe that I should not be libel for any further interest or late fees from that time forward. 

Thank you for your attention in 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 2018-03-12
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
My sister 's date of birth is listed on my credit report as my date of birth. Whatever accounts she opens automatically goes to my account and not my sisters. I have tried to correct this with the accounting agencies to no avail. My sister birthday is listed as mine. 

My sister bought a house but it says that I have the house. I have repeatedly told them this is wrong. I haven't gotten letters from hospitals etc. That my account has been breached. It was supposed to put a security alert on it and it did not. Her accounts affect my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
JP MORGAN CHASE AUTO FINANCE DEPARTMENT APPROVED {$18000.00} ,72 MONTHS TERM .ON XX/XX/2017 I PUCHASED A XXXX XXXX XXXXXXXX XXXX AFTER PRINTING THE APPROVAL AND TAKING IT TO XXXX XXXX . 
CHASE SENT A NEW LETTER TO ME ABOUT THE LOAN STATING XXXX XXXX HAD THE AMOUNT WRONG AND THEY WILL NOT FINANCE {$18000.00}. 
XXXX XXXX FINANCE DEPARTMENT STATED CHASE PAYED THE {$18000.00} IN FULL. 
I NEED TO UNDERSTAND WHAT ARE MY TERMS AND THE CORRECT AGREEMENT FROM JP MORGAN CHASE? 
NO ONE CAN TELL MY THE CORRECT AMOUNT IM PAYING MONTLY? 
AND AFTER THE LOAN IS PAID OUT WILL I STILL OWN FOR MY TITLE?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Investigation took more than 30 days

Complaint:
It has been nearly two months since I mailed letters to the credit bureaus but I have received no response from them. It is my understanding they have thirty days to respond so they have gone far past the deadline at this point. I sent the first letters XX/XX/20. I sent more letters on XX/XX/20, but at this point I don't believe I will receive a response so I am asking for assistance. I will attach the first letters with this complaint.

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 2018-03-23
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My 5/3 Bank auto loan is showing late on my credit report. I have always paid my account on time maybe not on the exact due date but I did not miss a payment or 30 days late on my payment. 5/3 makes it extremely difficult and confusing to understand payment details. They will not send a bill and there is not a bill on line. I also have never received a late notice or the online information does not tell you if you are behind on your account. I thought if you are late on your payment you are supposed to receive notification. I reviewed the online account and there is not a notice stating I am late. They try and make it as difficult as possible to follow your account because of the limited information provided or should I say not provided. I made all my payments, if they did not received the payment why didnt I receive notice. Their practices are extremely deceptive. They collected millions or billions of checking fees from posting debts before they would post your credits. How deceptive. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Cawley & Bergmann, LLP
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a debt collection call from Cawley and Bergmann out of New Jersey at approximately XXXX XXXX  on XX/XX/21. My complaint has to do with this company volunteering my information to the person answering the call. In a world of identity theft starting the call with " is this *insert name here* at *residential address* '' is improper and unacceptable. My personal information should be safeguarded from the moment I apply for the account throughout the life of the account. Any verification of information should be provided by me and checked against their records. Not provided by them to whomever picks up the phone. Plus any person can simply say yes and then obtain the follow up information about the debt which is also supposed to be confidential. There is no real verification of identity here and this would fail any compliance style audit at the call center I work for. They should be held to the same requirements for safeguarding data as the banks that initiate the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2016 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of {$13000.00}. ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  this account is reporting inaccurately. This account does not belong to me and should be removed from my credit immediately. It knows that it has reported false information that why it has stop reporting information as of 2017. 

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 2017-12-02
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 called Experian on XXXX XXXX XXXX to clear up an unfair score on my credit report. In XXXX of XXXX I went through Chapter XXXX Bankruptcy and had all my debts discharged. Prior to this I had ZERO late payments on my 4 credit accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, according to Experian 's own records, I had no late payments on these accounts. Specifically, the operator told me that I was late in XXXX of XXXX, but when I look at Experian 's own records on that exact month its says " current on payments '' ( please see attachments ) Regardless Experian will not let me dispute the so-called late payments ( see attachment ) because according to their own error message : " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' But Experian has still labeled 35 % of my score as " Fair '' ( see attachments ) due to 4 late payments. There is clearly conflicting information and when I called they said there is nothing they can do. 

Additionally, my score at Experian is more approximately 40 points lower than the other credit reporting companies ( see  attachments ) who also show that I have ZERO late payments. 

Clearly, Experian is not reporting correctly and this has made it impossible to lease a car or get a credit card.

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 2018-03-23
Company: ORG GC GP Buyer, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Closed my credit card and I disputed it without any valid reasons. My husband joined a freedom debt relief to help him and they chose to cancel anyway. I disputed for 2 years. I gave up and then XXXX sent my account into collection with a company called GC Services Limited Partnership acct # XXXX at XXXX XXXX XXXX TX XXXX. 
I have been paying my XXXX CC that is closed with auto payment from my XXXX Checking account I have had for 19 years. I have never missed a payment nor been late they have been pulling the payments out each month. XXXX reported that I did not make my payments in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. They then reported my account as a charge off since they have been reporting my account was not paid. The result of these late reporting, failure to pay and charge offs have caused my credit report score to reduce by over 100 pts. 
I contacted XXXX, GC services by phone, mail and fax numerous times. 
I contacted GC Services as XXXX would not speak with me to get a resolution. I asked about settlement because I wanted to purchase a home. XXXX XXXX failed to tell me if I did that it would impact my credit report negatively. I made a {$830.00} payment directly to GC Services and still continued my monthly payment. I contacted my real estate agent to get advise about what GC Services told me and she advised me not to do so I contacted XXXX same day and told him I did not want to settle that I would continue making payments. He said okay no problem but advised me incorrectly and said there was nothing he could do. 
XXXX sent me this letter I will attach on XX/XX/XXXX stating information I sent was wrong. The payment history from my bank account I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Prime Recovery LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call from XXXX XXXX XXXX, Esquire General Counsel For Prime Recovery, LLC on XX/XX/2020 about a payday loan obtain online with XXXX XXXX. The amount owed at the time was {$300.00}. Now, the balance is {$1800.00}. The issue is, this company has refused to stop calling my job number and/or my cell number. I have told them a total of 7 times. I told them I needed information in writing and XXXX became very irate and disrespectful. I know their calls should be recorded but please check into this debt collector. XXXX refused to listen to me and has called my job not once, but four times within ten minutes. I received another call on XX/XX/2020 at my place of work again. I hate being talked to rudely and the caller felt the need to tell me that, " I can't pay my bills and you just wasting my time! '' So instead of sending me documents on paper, he emailed me some made up XXXX bill. I've never heard from this company in the past and never received a letter or anything pertaining to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I requested something as simple as a goodwill adjustment to be done on my account back in XXXX by an email that I sent to Westlake corporate office & letter I sent to their their XXXX XXXX branch, both letters were ignored until I sent the letter directly to the customer service team on XX/XX/23 regarding an issue with them charging me for a returned payment that was actually paid from another card that I had on file. I asked for the goodwill adjustment due to an SBA loan that Im trying to acquire to pay off the remaining $ XXXX on my car loan & to be able to save my small business, I only asked for one payment to he adjusted due to some mistakes I made earlier in the year due to the COVID pandemic. I have been consistent with my payments since the first 2 30 day lates I incurred. Im not asking to skip payment or anything special, just a goodwill adjustment & will give my continued consistency with paying on time. Even as a person with a XXXX Im not making excuses, but I really dont want to have to end up going back on XXXX after working so hard to maintain 2 years in business

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 2019-04-02
Company: Experian Information Solutions Inc.
State: MO
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:
In XX/XX/2018, my XXXX XXXX account was charged off due to having some personal issues. While the account status on my Experian shows " charge-off '', and " closed '', it is still reflecting a balance and continues to show my payment history as current and " CO  ''. The balance should be at a {$0.00}, and they should have stopped reporting " CO  '' on my credit report as of XX/XX/2018 when they charged it off. The account has already been given to an outside collection agency, and I have disputed this more than once for XXXX XXXX to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX ( REPORT # XXXX ). DUE TO COVID-19 I  WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. XXXX AMD TRANSUNION STILL HAVE NOT RESPONDED TO MY REQUEST AND XXXX   RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION 605B ( C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} 11 XXXX XX/XX/XXXX {$590.00} 12 XXXX XXXX XX/XX/XXXX {$500.00} 10 XXXX XXXX XX/XX/XXXX {$1600.00} 12 XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX   XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$360.00} XXXX XX/XX/XXXX {$360.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
fruad this company has committied fraud the result personal gain with out my permission my info on there platform is fraud.

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