BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good morning, On XX/XX/XXXX I received a letter from Transworld Systems , Inc. stating the creditor-XXXX   XXXX XXXX XXXX XX/XX/XXXXXXXX had placed an amount of {$23000.00} for collection and requesting this amount in full. On XX/XX/XXXX the debt for the amount previously mentioned was added to my credit report. On XX/XX/XXXX, I sent a debt validation letter mailed certified asking for proof of the alleged debt. On XX/XX/XXXX I received a response from Transworld Systems , Inc. regarding an account payment history with their office. Transworld Systems also supplied documents of a Loan Request/Credit Agreement with the Lender -- XXXX XXXX XXXX, a note disclosure statement with Lender XXXX XXXX XXXX, and a Loan Payment History Report. None of the supplied documents sent by Transworld Systems , Inc provided proof that XXXX XXXX XXXX XXXX owned the loan from the Lender. On XX/XX/XXXX, XXXX XXXX, XXXX I contacted XXXX XXXX for legal advice by XXXX XXXX XXXX and supplied the Attorney documents of the information sent to me. The Attorney sent a letter on my behalf also requesting for validation. On XX/XX/XXXX I received a letter from from XXXX XXXX XXXX that a letter to Transworld Systems , Inc. has been sent on my behalf requesting for validation and proof of loan ownership. On XX/XX/XXXX. XXXX XXXX XXXX by XXXX XXXX XXXX sent me the response from Transworld Systems , Inc. providing them with the same exact documents sent to me  on XX/XX/XXXX. Again, this does not show proof of ownership of this debt/loan. Documents will be uploaded for review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX TransUnion XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX & XX/XX/XXXX & XXXX XXXX, XXXX ) 2. ( XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX CA & XX/XX/XXXX ) 4. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2021-07-14
Company: World Acceptance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I took out a loan with world finance and I paid them back and they reported loan paid back in full now its shown two different account on my credit and effecting my credit score bad because they reopen this loan on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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: Problem with personal statement of dispute

Complaint:
This letter is being sent to you in response to notices sent to / from me from the Dept of Edu/ XXXX and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec. 809 { b } that their claim has been disputed and validation was requested. I have asked the Dept of Edu/ XXXX  to please provide me with the following : What the money they say I owe is for Explain and show me how they calculated what they said I owe Provide me with copies of any papers that show I agreed to pay what they say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you they are licensed to collect in my state Provide me with their license numbers and Registered Agent or Agent of Service At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX  XXXX Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them. 

Since reaching out to XXXX, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. 

The information provided by Dept of Edu / XXXX includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. The company Dept of Edu/ XXXX has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax , XXXX  and XXXX } should be sent to me immediately. I have also disputed this information with the 3 credit  bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I writing in the hopes that you can assist me with addressing a matter of late payment history I discovered when reviewing my report and attempted to resolve directly with the company. The payment information in question is : XX/XX/XXXX listed as 30 days late XX/XX/XXXX listed as 30 days to XXXX late through XX/XX/XXXX I am still unclear on how this happened and upon review of the information with the company this was a minimal fee charged that then accrued more fees when it wasn't paid. I was completely unaware of this bill, the only thing I can figure is that the statements were not being delivered to me. I advised the creditor of this at which time they advised me to send a letter to them explaining and this would be addressed in writing. I did so, and didn't hear back and continue to be damaged by this discrepancy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian has violated the Fair Credit Reporting Act .They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit inquires that i did not authorize, and that i do not recognize. I have sent them letters. They have signed and returned that the certified mail has been received with no response months later. I would like immediate deletions for this wrongfully credit inquires that have been put on my credit report without any authorization. I have already written letters to the companies involving this matter as well and they told me to deal with the credit bureau, and Experian as not taken action to report to me the consumer in the time frame as agreed according to the FCRA

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 2018-05-10
Company: Experian Information Solutions Inc.
State: TX
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:
We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX Please have these inquiries removed as they were not authorized. 

Letter from dealership is attached to 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 2018-06-15
Company: Worldwide Processing Group, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive many call from local numbers. I dont know any of these. I answered one and they said they were from Forward recovery movement. They said I owed a loan many years ago. I didnt. I told them to prove it so they said they would send it. I recieved a letter from XXXX XXXX XXXX stating I owed money from companies I never heard of.. This was made on XX/XX/XXXX. I think this XXXX is a fraudulent company giving an A+ rating th these people. The only one I had was paid thru XXXX XXXX XXXX. XXXX was my rep. Their number is XXXX ... I owe no one. I want the calls to end. They call my work, they call me with fraudulent phone numbers. If they were legit they would give me names and dates from the original loan. The loan was paid years ago. And the company sold my information to another. Now they want monies not owed them. They say the new owner is XXXX and XXXX XXXX. And Original creditor is XXXX # XXXX I have never heard of either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I XXXX money to my sister on XX/XX/2021 through my Capital One Bank account and it was sent to someone else. Capital One denied the claim saying that they spoke to XXXX XXXX and that XXXX XXXX verified that the phone number was active when the transaction took place and placed in this persons account. Two people can not have the same phone number and the number I sent the money to was my sister 's phone number. I called Capital One back and the rep said it has been escalated and she told me to call XXXX XXXX. I informed her I already did that and that XXXX XXXX is not going to provide any information to me. I also called XXXX when this whole thing started and they directed me back to my bank and said there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are now in day 80 of our refi mortgage process. Bank continually asks for the same documentation that has been already sent, asks for new documentation randomly over the course of the 80 days, seems to be stalling for some reason on letting us know when the closing will actually be. We were conditionally approved over 3 weeks ago, yet we still don't have a closing date and the closing disclosure will now have to be updated once again since a mortgage payment is now due. 80 days and counting with no reason provided is totally unacceptable, and there wasn't even an appraisal needed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
this company has falsely used 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 2018-06-18
Company: EQUIFAX, INC.
State: AL
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 noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.

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 2018-06-15
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. XXXX added the amount and reaged without informing consumers. This is against best practices. Letter was sent to XXXX to remove account as it was recorded inaccurately account was then removed by XXXX. Then opened and added on!. Several letters has been sent to XXXX with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments

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 2016-05-10
Company: General Motors Financial Company, Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a XXXX Chev Malibu with about XXXX miles on it from XXXX XXXX XX/XX/XXXX that was sold to me deceptively.The salesman XXXX lied to me about what was wrong with it a When I asked about a concern during the test drive, he lied about the number of owners the had stating that the car had just been traded in a couple of hours before I came in to buy the car by an elderly couple, hence the low mileage and failed to tell me that they, XXXX XXXX had made a repair to the transmission in XX/XX/XXXX.3-4 mos.later the car stopped working totally and needed new transmission.After abt 2mos of back and forth with gm and the dealers owner giving me the run around and just not wanting to help even though they were deceptive, I had to pay XXXX and was reimbursed XXXX.I should not have had to pay anything.i was without a car for almost 2mos.After practically begging the dealership I was given a loaner 1 day before my car was repaired.Im a single parent and having to pay to get around for almost two months and having to come up with that much money was like having to come up with a XXXX.Gm decided to make arrangements after almost XXXX mos.They initially refused to due to the loan being too new.They financed a car that was sold to me deceptively and put me through so much to finally give me arrangements.This issue caused me to fall even further behind on other bills including my mortgage in which I had to get modified around the same time frame of XX/XX/XXXX.I have a mortgage that I have fell behind on now again and it 's going into default again.gm reposessed the car on Mother 's Day because it was 3 mos behind in which I thought that it was 2mos behind.im a single parent and I am employed.I have household bills, mortgage, tuition, my daughters graduation, a daughter in college and it 's has been impossible to do everything because I have not been able to catch up due to their car needing a new transmission and all of the other financial strains that caused me.Its not fair and I would like to know if there 's anything that can be done because I was deceived and it has caused everything in my life to go downhill financially including my health.I will take any advice that can be given.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CREDIGY SOLUTIONS INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My vehicle loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). I received statements from my company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called XXXX and they advised me that they no longer serviced my account and it was sent over to another company by the name of XXXX XXXX. I was given a phone number to XXXX XXXX. I called XXXX XXXX and they told me that my account was being serviced by XXXX. For the week and a half I've been in contact with both company 's, XXXX and XXXX XXXX, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to XXXX and the only response that i get is to call XXXX XXXX. I then spoke with a Supervisor by the name of XXXX whom works for the company Credigy Solutions. Credigy is a contracted by XXXX to service clients over the phone. XXXX stated to me that she would reach out to her analyst to find out if the account is with XXXX or XXXX. I called back and when XXXX was available I would speak with her briefly and she told me that i had to call another phone to XXXX XXXX. I called XXXX XXXX  and they told me that XXXX  has my account and then just transferred me to XXXX. I just keep getting pushed around to someone else. No one can tell who has my account. I don't know if there is an account number but they are able to locate me by my Social Security Number which i provided as the account number in this complaint. Credigy Solutions is  XXXX. XXXX XXXX, XXXX GA XXXX. Phone number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: NV
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 writing this due to non-compliance with the XXXX, XXXX and Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law The accounts have remained after 4 attempts to contact them. When I call they say they dont get my letters. 

They have not validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
No explanation. Received nothing after several times. Been waiting for months. Not even a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Bread Financial Holdings, Inc.
State: IA
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:
I have a XXXX XXXX Credit card. I lost my job and was unable to pay. I tried setting up payment options was told that I had until XX/XX/XXXX before the account Charged off. I checked XXXX XXXX on the second week of XXXX and it stated that I was in a Charge Off status. I talked to a representative today XX/XX/XXXX and was told it didn't charge off until XX/XX/XXXX. So I have been mislead in when it would charge off and the fact that it has been reported since XXXX is incorrect and need a to be corrected.

Company response to consumer: Closed with explanation