BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was XXXX  in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting.

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 2020-06-01
Company: CL Holdings LLC
State: PA
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:
A XXXX XXXX employee told me that I was no longer under contract at the time I switched my account to XXXX XXXX XXXX. The month after I got 3 - {$200.00} charges for early termination. I attempted to argue the fact that the employee told me I was no longer under contract because I had reached my initial 2 years, per the contract details, but XXXX stated they had no record of the conversation. I have disputed these charges repeatedly, but I don't have a record of documentation, only phone conversations that XXXX claims don't exist. I had a reference number for that conversation, but they said in was invalid. I don't understand how they are able to get away with lying to their customers and ruining their credit record. My account has now been turned over to Jefferson Capital Systems and I explained to them that I am refusing to pay this balance because I never should have been charged those fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After my private loan, rate reduction plan expired I was offered a renewal by email pending my financial statement. I supplied my financial statement as requested and received more emails threatening to return to {$5000.00} per month payments if I did not renew. After calling to inquire, I was told that the interest rate would be doubled for the renewal, raising my payment beyond the unaffordable payment of $ XXXX/mo I was already paying for the {$270000.00} in private navient managed loans. I lieu of my other private loan payment of {$240.00} per month for a {$26000.00} loan, and payments to DOE for $ XXXX/mo on a {$500000.00} note, as well as other credit cards of $ XXXXmo, and car payment of $ XXXX/mo, a larger payment would not allow my family of size XXXX, with a XXXX wife, to eat or pay for childrens insurance nor educational expenses. When calculated without the private loan payment my disposable monthly income is currently {$210.00} dollars. I make an adjusted gross income of {$65000.00} per year and my wife is unemployed, as she provides childcare to our XXXX and XXXX year olds. My next resort appears to be bankruptcy, and I realize it is a barely even a temporary solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XXXX was filed and accepted by the IRS. Company refuses to accept lawful payment or present the XXXX to the IRS for payment. XXXX was secured upon signing of promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: U.S. Auto Sales 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: Old information reappears or never goes away

Complaint:
I voluntarily had a vehicle repossessed from XXXX XXXX XXXX back in XXXX of XXXX. The account then was closed out on my credit report XXXX of XXXX as well. On XX/XX/XXXX the account started to reflect in my open/ current accounts on my credit report when the vehicle was and the status of the vehicle was closed and sold. Ive tried reaching out to the company using the information they provide the the Creditors and it is the wrong number. Ive Also have reached out to XXXX on SEVERAL OCCASIONS and even asked to speak to a manager, which then results in me being hung up on. At this point I am going to contact my family lawyer because by law the information reporting on a consumers credit report should be up to date and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Allied Collection Services, Inc. (Nevada)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I called allied collection services at XXXX and spoke with XXXX XXXX, I asked who they were and what is the debt for. He stated thats its a debt collection agency and was trying to collect a debt. He also stated that it was for XXXX XXXX XXXX. I then stated that Ive never lived at a place called that, then XXXX XXXX asked if I lived at a place called XXXX XXXX I answered no. He asked me to give him to Wednesday to figure it out. I called back on Wednesday. I was told that it was my debt and I asked if I can get verification, they stated that they have my name, number, address, and drivers license number. I stated that that was not Verification and to send a contact to my address. They then hung up the phone on me.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.

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 2018-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with XXXX XXXX XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.

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 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with XXXX XXXX XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, 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 explanation
Consumer complaint received 2019-10-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank ( XXXX XXXX Credit Card ) Payment due for XX/XX/XXXX was made of XX/XX/XXXX Payment due for XX/XX/XXXX was made on XX/XX/XXXX Payment due for XX/XX/XXXX was made on XX/XX/XXXX Started marking me late on credit report for the XXXX payment as they say no payment was made. Say it was made a day early and was applied toward XXXX. Started charging me a late fee of {$39.00} per month in XXXX. Kept sending in our normal payment because we didn't look at statements because we were always paying early. They refuse to take late payments off or fix credit report. Saying it is too far back for them to make changes and i either pay the late fees or i will continue to be marked late. 3 people on phone with their company agreed i was not late but no one can do anything about it

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 monetary relief
Consumer complaint received 2018-08-17
Company: UNITED MORTGAGE CORP
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER UNITED MORTGAGE CORP, THEY REQUESTED DOCUMENTATION ON XX/XX/18 AND I SENT THE REQUESTED DOCUMENTS ON XX/XX/18. I CONFIRMED THAT DOCUMENTS WERE RECEIVED ON XX/XX/18 AND NO DOCUMENTS WERE BEING REQUESTED AT THAT TIME. I CALLED IN TODAY XX/XX/18 AND I WAS INFORMED THAT THEY REQUESTED DOCUMENTS ON XX/XX/18 AND BECAUSE THEY DIDN'T RECEIVE THE DOCUMENTS WITHIN MOMENTS OF HAVING RECEIVED THE DOCUMENTS THEY CLOSED THE FILE ON XX/XX/18. THIS IS OUTRAGEOUS!! I TRIED TO SPEAK TO A SUPERVISOR AND I WAS TOLD THAT THE SUPERVISOR WAS NOT AVAILABLE, HOWEVER THEY WERE AVAILABLE TO SPEAK TO THE REPRESENTATIVE THAT I WAS SPEAKING AND INFORMED HER THAT IT IS COMPANY POLICY TO KEEP THE FILE FOR A PERIOD OF TIME AND IF DOCUMENTS ARE NOT RECEIVED THAN THEY WILL CLOSE FILE. WELL LOOKS LIKE THE SUPERVISOR HAD TIME TO GO OVER COMPANY POLICY BUT NOT TIME TO GET ON THE PHONE TO BE A SUPERVISOR. THIS POLICY MAKES NO SENSE AS I ASKED THE LADY I SPEAKING WITH HOW DOES THAT MAKE SENSE DUE TO WHEN I FAX YOU DOCUMENTS YOU TELL ME THAT IT TAKES 48 TO 72 HOURS TO UPLOAD SO BY YOUR COMPANY STANDARDS YOU WILL CLOSE EVERY FILE ON EVERY REQUEST. THE LADY SAID ALL I DO IS READ THE NOTES I AM NOT THE PROCESSOR, PROCESSOR OR NOT THIS POLICY IS A JOKE AND NOT WITHIN FEDERAL GUIDELINES. I HAVE AN FHA LOAN AND THEY ARE DEFINITELY NOT ABIDING BY THOSE GUIDELINES EITHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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: Investigation took more than 30 days

Complaint:
Transunion has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The accounts XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are inaccurate and unverified, and I am requesting that are deleted from my credit report immediately.

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 2020-12-11
Company: Avant Credit Corporation
State: OH
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:
An account was opened with Avant on XX/XX/2016. It then went delinquent and was sold to a debt collector. The debt has been paid at a higher amount and several other debt collectors are still attempting to collect. Avant- is still reporting the account on XXXX  and is also being reported by other debt collectors. 

I have disputed this inaccurate information with the XXXX  and it continues to be verified by Avant with inaccurate information to include ; date opened, date closed and delinquent information. 

I would appreciate if Avant would delete all information from XXXX  as it has negatively impacted my credit score that then caused hardship in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Sold a car warranty that refuses to cover anything. 

Total paid for thus car warranty : {$1400.00} 1.Car started acting up, called XXXX XXXX they told me to take the car wherever I wanted & have the dealership call them.

2.Took my XXXX  XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, SC XXXX. 

Dealership calls, explaining that thus company ( XXXX XXXX ) refuses to cover anything not even the XXXX $ diagnostic fee! 

Come to find out this company doesn't even have a website or physical address! I looked up the phone number provided to me by Credit Acceptance who sold me thus warranty & I found nothing but ( BEWARE SCAM WEBSITES ) referencing ( XXXX XXXX ) Please see LINKS below referencing this company its terrible! How is this company allowed to do business is beyond me! 

1 ) https : XXXX 2 ) https : XXXX HOW DO YOU NOT EVEN COVER THE DIAGNOSTIC FEE of {$99.00} Please help me CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and spoke with 2 people from the original creditor and I was told that the several debts I have with ARS have not been filed to my insurance because they didnt have the information needed to file. I asked if they tried contacting the hospital that sent my insurance or if they tried contacting me and they said and I quote Were a national company, we dont have time to make calls like that. All of these amounts are invalid as they were not filed with my insurance. I contacted the creditor and asked if these could be fixed and they said no because I should have given my insurance information EVEN THOUGH the hospital was supposed to do so. I would like these debts removed from my credit report as they were not appropriately filed.

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 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Transunion. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately

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 2020-09-22
Company: JPMORGAN CHASE & CO.
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:
A CREDIT CARD WAS FRAUDULENTLY OPENED IN MY NAME WITH CHASE BANK AND I NEED THESE ACCOUNT DELETED AND REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation