BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: NC
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX received notification from my employer my wages were being garnished XX/XX/XXXX. I sent a certified letter requesting information of the name of the original creditor, the amount owed to that creditor at the time it was transferred, a copy of the last billing statement, and when the creditor claimed the debt became due and when it became delinquent. XX/XX/XXXX I received a court document with a different attorneys name ( dated XX/XX/XXXX ) and a typed written letter citing original creditor was XXXX with a current stated balance {$10000.00} dated XX/XX/XXXX. I have obtained a copy of all three of my credit reports and indeed there is a student loan from XXXX for a student loan opened XX/XX/XXXX {$10000.00} it was transferred to another lender and closed XX/XX/XXXX my credit report supports I paid as promised 4 years until the account was closed. I filed for a claim of exemption and the attorney sent notice of opposition and a notice to appear XX/XX/XXXX ( memorial day ) when the courts were closed. I did call the court and verify the date, so I would not miss court. The judge would not review my credit report as a character reference.

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 2021-03-26
Company: Experian Information Solutions Inc.
State: OR
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:
I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for 12 years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer XXXX XXXX XXXX XXXX original mortgage XXXX XXXX property.

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 2022-11-15
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-04-24
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:
I am desperately trying again to correct certain inaccurate late payments showing on my credit report during XXXX. 

Historical late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-04-30
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Saturday, XX/XX/2019 I had noticed an unauthorized charge in my checking account for {$900.00}. I immediately froze my debit card and went to the credit union to dispute it as fraud and be issued a new debit card. I was told I had to wait to file a " Fraud Claim '' til the amount posts to my account, " not pending ''. It cleared this morning XX/XX/2019, so I called and filed the claim. About 4 hours later I get an email saying " No error had occur ''. So now I'm going to have the funds they just placed back, taken out again for something I did not authorize to begin with. My debit card was not in my possession at the time this fraud occurred, so why am I being told otherwise? 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Capital One {$13000.00} Charge off XXXX 15 USC 1681 Section 604 States right to consumers privacy.

Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a co-signer on Student Loan. I would like to be released. The borrower/student has made payments faithfully for almost 4 years, never been late, has an excellent credit score, and an exemplary work record, continuously employed since graduating. 

Sallie Mae has twice denied the release, the first with a CODE 14 Insufficient Income for amount of credit requested. Second the same reason. We have no problem with that determination, but we do have a problem that Sallie Mae wont provide the metrics that allow us to set our goals to be released as a co-signer. 

We have the right to know the values that need to be aligned such that a cosigner ( s ) can be released. The credit score was very good ( XXXX ) and the payments have been prompt. To encourage us debtors to endeavor to be financially responsible and to seek the path of freedom from debt we need to be provided with information to set targets and goals. 

Personally, I think it is immoral that this information is not provided at the onset. I think it is sad the effort we have to undertake ( calls and letters ) to receive this rightful information, and further sad for those that do not have the time or the means to seek this information. 

Sallie Mae requires : I have demonstrated a satisfactory history of making the required 12 consecutive, on-time payments of principal and interest immediately before applying. 
I have no student loan ( s ) in default. 
I have not been reported as 90+ days delinquent in the past 24 months. 
I have no student loan ( s ) currently in a hardship forbearance or modified repayment program. 
My account is not delinquent immediately before applying. 
I must meet age of majority requirements in my state of residence ( be old enough to enter into a legally binding contract ). 
I must be a U.S. citizen or permanent resident at the time my request is processed. If my citizenship has changed since I applied for the loan ( s ) in question, I will provide proof of citizenship. 
By releasing my cosigner ( s ), Sallie Mae is not releasing me from my loan obligation ( s ). 

It would be so easy to also require the other information that Sallie Mae requires which the consumer has no idea how their decision is made. By example : Credit Score greater than xxx Debt to Income ratio less than Loan Balance is x percentage of Income Or other metrics they use to evaluate When you call Sallie Mae their representative can not give that information. I have asked to speak to a supervisor, and they have failed to call me back after several messages left on a voice mail. Very frustrating. 

In closing I think their evaluation criteria should be transparent and easily accessible prior to submitting the release request. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
to whom it may concern, pls help me to resolve the issue of refusing my request to stop pmi charge in my mortgage, despite of my mortgage XXXX is more than 80 %. 
the bethpage fedeal credit union kept continuing my pmi even though they cancelled in the first place and then resume again, despite of my continuous request. 
it is unfair to me that i am paying the pmi, despite of paying on time and over the amount that i am paying monthly plus advance payment in principal. 
kindly help me to solve this issue because that kept charging my bank account 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 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$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 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to Capital One in order to request a good will deletion on 2 separate accounts that I have paid off after Charge off. After being Denied I pulled my credit report to do some investigating. I noticed that while one account was listed as Current on my XXXX report It was reporting as a charge off to XXXX. The Time frame for this was XXXX XXXX XXXX. After writing in about the incorrect reporting Capital One claimed they were reporting correctly but that they could not provide me with actual documentation from the Bureaus stating that the accounts were reporting correctly. I had to call in multiple times trying to receive a resolution to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a transaction yesterday, an amount of $ XXXXBut I found its a scam today. As its still pending, I called JPMorgan Chase which I bank with to cancel the transaction. But they said its already delivered and can not be canceled. I feel it doesnt make any sense. First, Im sure its scam and tried to make up in less than 20 hours. Second, status of that transaction is still pending even now when Im filling this claim, what does that pending mean if I cant cancel it? Third, I got all the scammers information and Im pretty sure its not the first she uses that account to scam, why the can not block that account of some people reported? They asked nothing about the scammer so she can keep it to scam more people. 
I strongly feel my money is not safe in such a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

* 1 ) XXXX - NO BALANCE LISTED- there is also 2 different open dates on different bureaus from XX/XX/XXXX - XX/XX/2017 this is therefore inaccurate information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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 have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry 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 2019-09-19
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I send a letter on XXXX o f which they received XXXX asking for my medical release forms in which I authorize third parties to have my medical information release with my signature on it included. I had given them 15 days to send them back to me or cease and desist from pursuing the alleged debts also erase all negative remarks from all XXXX credit bureaus. today is XXXX had not receive nothing not even a letter of acknowledgement, no negative remarks on credit report remove or Hippa medical relese forms of which by law they must provide upon request - >. I will upload the letter I send via certified mail with return receipt thx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting the XXXX of every month conns calls up to 12 times a day on two different phone numbers. The out standing payment of XXXX dollars and change is due on the XXXX. This calling keeps up until the day after the payment is made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: PLANET HOME LENDING, 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:
I received notification today that I am in 90 days in default on my home loan by Planet Home Lending. This is completely false. I have paid everything. This is significantly hurting my credit score and it is costing me heavily on my refinance. I used to have a credit score of over XXXX now it has dropped to XXXX. 

The loan was transferred from Planet Home Lending to XXXX  XXXX XXXX in XX/XX/2020. Four months later, in XX/XX/2020 Planet Home Lending reported that I was over 90 days in default, that is 4 months after they no longer had the loan. I cant be in default of a loan they dont have. I have full proof of payments for all my loans ( attached ). I've never been in default. I called Planet Home Lending and they said it shows that I was never in default and that the account was fully paid, but that for them to review this would take 3 weeks. Planet Home Lending has historically moved very slowly and I have had to contact them numerous times in the past by phone and by email just to finally get a response. Unfortunately Planet Home Lending has made error after error on numerous items and this is yet another one and it is hurting my credit score and me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: FL
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 contacted Equifax multiple times about inquires that were not endorsed by me. Equifax ignored my correspondences and refused to remove the inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation