BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank is not providing credit for payments made and held in the suspense account. I am attaching correspondence from the bank dated XX/XX/2020 and XX/XX/2020 wherein they acknowledge receipt of payments and that the payments were returned to me in the form of various checks therefor they no longer have my funds. I have also attached copies of some of the checks sent to me but not cashed. ( I also note the bank correspondence indicates additional checks were sent that I do not have ) finally I have I attached the banks affidavit of amount due and owing which lists a {$0.00} amount for the line item less/plus balance due in suspense accounts. Payments from XXXX XXXXXXXX XXXX were put into the suspense account. I never cashed the returned checks nor received credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to my research about FCRA XXXX, XXXX Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have previously made a complaint through you because I am eligible for income redriven plan.Navient had asked me for documents.I have sent all the documents and they sent me a letter stating that I was qualified and they have approved the income redriven plan and I have to start paying XX/XX/XXXX and that I should reapplied every year. Now the time come to start paying the XXXX. They kept sending different amounts XX/XX/XXXX-XXXX $ ,XX/XX/XXXX-XXXX , and XX/XX/XXXX-XXXX $ ,XX/XX/XXXX,XXXX $ ,XX/XX/XXXX {$1100.00} When I call them to tel them I had an income driven plan that I have a letter that was send to me regarding this they said I never had an income driven plan because I had never sent the documents that was requested. They had sent me the letter which I have attached to this file after I send the documents. 
Now they said that I must re-apply and this is the third time they do that. 
I want to start paying my loan. 
I work for the XXXX XXXX XXXX XXXX. This is what I can afford to pay. 
These people kept playing around with me. 
I would like you to help me get this thing cleared out because they are turning me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
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: Account information incorrect

Complaint:
XXXX  and TransUnion are reporting balance and or high balance on accounts that are closed which is violation of credit reporting also all closed accounts do not state if original creditor or sold all closed accounts are reporting incorrect information as these accounts are sold to third parties so XXXX  and TransUnion are using incorrect information on re-aged accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$60.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$580.00}.

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 non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: TX
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:
Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX  XXXX XXXX Owed : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NV
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:
For the past 3 months I have been actively disputing accounts that are not mine and were illegally obtained. I do not have a written contract with any of the 3 accounts that were being disputed. I further more did not give consent for the bureaus to report any information against my knowledge. I called them and they told me they refused to take anything off of my report even when they acknowledged it was done fraudulently. They also stated that they don't even do the investigations themselves. They just send a letter to the company to ask if the information is true and that's it.. They refuse to delete anything I have asked them too. Including not sending me how they verified or did any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: OVM FINANCIAL, INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OVM Financial denying my access to the statement of my mortgage payment. 

I started a mortgage loan with OVM FInancial in XX/XX/XXXX. After making my first payment to OVM in XX/XX/XXXX, they sold my loan to XXXX XXXX XXXX. During this transition, OVM Financial failed to provide a final status of the loan, verification of receiving my payment and how my first payment was distributed. After reaching out to XXXX XXXX XXXX, they stated that OVM Financial also did not provide them with a record of this payment and that I would need to contact OVM Financial for this information. OVM Financial representative and CEO have deliberately denied my access to the statement of payment and it's distribution since the end of XX/XX/XXXX. 

I requested the financial statement reflecting how my first payment amount was dispersed and the loan transitioned to the new provider from OVM Financial mortgage loan originator XXXX XXXX on the last week of XX/XX/XXXX over the phone, followed by a written communication via email on XX/XX/XXXX and XX/XX/XXXX. At first XXXX asked to wait, then he advised me to contact my title company and eventually stopped replying. On XX/XX/XXXX I included OVMs CEO XXXX XXXX into the e-mail conversation. I wrote a complaint, explained the situation in detail and requested to receive the financial statement of my payment or a receipt of my XX/XX/XXXX mortgage payment and its distribution. At first, XXXX wrote he does not quite understand what I am requesting and asked to call him. At the end of our long phone conversation he said OVM does not provide any financial statements of payments. As a follow up to our phone conversation XXXX e-mailed a " first payment '' letter which gives an example of how the payment will be distributed, but the verification documenting and accounting for how my XXXX payment was applied was still missing. I replied immediately explaining again in detail what documentation I would like to receive, but he did not answer. 

The following day, XX/XX/XXXX with no response to my email, XXXX and XXXX began responding in a previous communication thread stating that everything was resolved. When I disagreed and recopied my follow-up email to XXXX sent on the XX/XX/XXXX, XXXX XXXX, OVMs CEO added clearly there is nothing more OVM can provide to you. 

Considering that this is OVM Financials CEOs position to this request, after I have clearly pointed out that OVM Financials inability or unwillingness to provide the requested documentation of my mortgage payment is a RESPA violation, I am now reaching out to Consumer Financial Protection Bureau to seek assistance in dealing with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Newport Intermediate Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a prepaid XXXX  card with a balance. The company claims that this card is expired and only active for approximately 6 months. The company refuses to reopen the card or provide any balance information or activity. I do not even know if there was fraud involved with the card. 

The company I spoke with ( based on the number on the back of the card ) is Prepaid Digital Solutions, phone number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
After checking my credit report, I noticed the following medical collection accounts : - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018180 day grace period was not applied as required by S.2592 - Medical Debt Relief Act of 2016. Also, a few of the collections appear multiple times. Please physically verify this information pursuant to FCRA section 611.

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 2022-09-22
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is my third loan with One Main Financial. I am an older American and XXXX Veteran. 
My title was never returned to me upon full payment of the previous loan. One main instead coerced me into another loan in order to get my title back to my car. One main also without my consent after I clearly declined their insurance offer still signed me up for auto insurance I do not need as I already have automobile insurance saying. 
One main is charging me an unfair, excessive, and unconscionable amount of interest on this title loan. I have never been late with any loans and should not be charged excessive interest as I am not a subprime consumer and I have a excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
There are multiple accounts that are listed with XXXX and XXXX as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : NAVIENT / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 XXXX XXXX Subject : Dispute of Unauthorized and Incorrect Collection Account on My Credit Report Dear Sir/Madam, I am writing this letter to formally dispute the collection account listed on my credit report, which has been attributed to your company, XXXX XXXX XXXX XXXX. The account in question pertains to an alleged debt from XXXX XXXX  with the account number # # # # # # XXXX, with an original amount owed of {$400.00}. The details of the account are as follows : Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$400.00} Amount : {$400.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number : # # # # # # XXXX Creditor Classification XXXX XXXX Date of First Delinquency : XXXX XXXX, XXXX I would like to assert that I have no knowledge of this debt and have never had any dealings or contractual agreements with XXXX XXXX that would result in the debt you claim to be owed. Furthermore, I believe that this collection account has been reported in violation of several laws and regulations, and I am prepared to take the necessary legal actions to rectify this situation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is my right to request validation of the alleged debt and to ensure the accuracy of the information being reported on my credit report. I demand that you provide me with the following information within 30 days of receiving this letter : Written proof of the debt 's validity, including a complete accounting of the alleged debt and all supporting documentation. 
Verification that your company is licensed to collect debts in my state.

Verification of your legal authority to collect the debt on behalf of XXXX XXXX. 
A statement confirming that this alleged debt will be removed from my credit report and that no further negative information will be reported if you can not provide sufficient validation within the allotted time. 
Failure to comply with this request will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General office. I will also seek legal counsel to pursue any appropriate legal action against XXXX XXXX XXXX XXXX for violating my rights as a consumer.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian says that I have to pay them to put a lock or freeze on my account when these XXXX are the ones that gave away my credit info.

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this 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 2023-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting 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:
On my chase banking app, It sent me an automatic credit report and told me that, '' Opening a new account ay lower your credit at first, but it can help build your credit overtime ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX AMERICAN CREDIT ACCE XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DOBBS BLOSSOM AUTO L XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PREMIER XX/XX/XXXX XXXX PREMIER XX/XX/XXXX AFF FINWISE XX/XX/XXXX BLOSSOM XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IN XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX OMEGA AUTOSP XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This debt collector attorney XXXX XXXX XXXX XXXX XXXX has used my private information without my express consent, authorized signature or court order. This debt collector attorney has used my private information without my express consent, authorized signature or court order. They are trying to collect on a 13years old debt with no notification or communication This attorney sent me letters attempting to collect a debt that I do not owe and sends court papers of garnishment tonwrong company. This attorney has misrepresented their real intentions and representation Desired Outcome To cease and desist attempts to debt collection activities on a 13year old debt that passed the statue of limitation and transfer debt collection to another debt collector company To not call my personal phone number and dismissed garnishment court papers. THEY ARE FRAUDULENT AND HARRASSING PEOPLE XXXX XXXX XXXX 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