BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have contacted XX/XX/XXXX and TransUnion on several occassions to inform them that my personal information is incorrect. They have not corrected it and they are reporting that I have a different name. I have informed them of my legal name and provided undisputable proof. 
They have not corrected the information that they are reporting on me. Nor have they provided any proof that I use another name. I am filing this complaint in hopes that the incorrect information can and will be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I don't know the account numbers : Delete these accounts from my credit file because they were charge off 's and should not be inaccurately reporting a XXXX Balance : {$210.00} it's being reported on XXXX XXXX XXXX XXXX XXXX {$10000.00} its being reported on XXXX, XXXX, and Transunion. Both of those accounts been charged off. The companies filed for loss profits and received a tax write off. Investigate this matter immediately and remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
I purchased a Car getting a loan from credit acceptance, the vehicle was give problem after 1 week, I took it back to the dealer who tried to fix it twice and could not fix the issue. Car was making loud noise at the front and back, I tried to work with the dealer but they refuse to fix or give me another vehicle, I have small children and needed a reliable vehicle to move around. I made a {$2000.00} down payment and the car was value XXXX, after not getting any help and feel unsafe in the vehicle as I took it to a mechanic who told me I had to do major repairs with the engine. ( 2 weeks after purchase ) I decided to call credit acceptance to talk to them about the issue and the loan, I sent them emails and left voicemail no response. The vehicle was repossess after 4 weeks and the amount of {$5400.00} was placed on my credit report. I was told that the vehicle was sold after repossession by credit acceptance however they have place a negative {$5400.00} on my credit report and have a law firm threatening to garnish my wages. please help I have been unemployed for 4 years and just getting back on my feet

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 2020-10-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent a lot of letters to the credit bureau, because the errors are affecting my credit score a lot, but they don't respond my letters. Please investigate about my case and remove every error on it. I paid accounts with charge-off, and is still appering 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 explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
wrong info : FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Santander Consumer USA Holdings Inc.
State: CO
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:
CHRYSLRCAP should not be reporting a late payment to XXXX ; XXXX and XXXX on partial account number XXXX. I called Chrysler and specifically made arrangements to defer a payment without penalty due to a financial hardship resulting from COVID-19. The representative I spoke with at Chrysler specifically stated that my account would not be in jeopardy, that I was eligible to defer a payment and that no lates would be reported to the bureaus. The representative with Chrysler misled me and unfortunately the deferred payment I was told I was eligible for did in fact report negatively on my credit report as a late. I have tried to get back in touch with Chrysler as well as contacting the bureaus to remove this late however, I have not been successful. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported fraud on my checking account for a XXXX payment to my bank .I just received notice that the bank has determined no fraud was committed. I informed the bank my XXXX  was lost/stolen and my debit card info was on the phone. a few days after it was lost/stolen someone use my card for XXXX at XXXX. I went to XXXX and was told it was used as a XXXX XXXX, either to pay a person or a bill. I do not use XXXX XXXX. I filed a fraud claim with the bank and i just received notice that the temporary credit will be reversed in 14 days. 
There seems to be a systemic problem with banks siding with vendors instead of customers. If my card info was literally stolen and used, why should I have to pay for it. 
Why should I go without XXXX of my hard earned money while some thief benefits. 
NFCU did not contact me before making the decision to reverse the credit or explain to me what supposed evidence they used to determine there was no fraud on my account. 

I filed a claim for my stolen phone with XXXX but they didn't bother asking me to provide any supporting evidence. 

On your next examination of NFCU your office should review their debit card dispute process and look at how much they side with a merchant or thief instead of their members they claim to protect. I'm sure i'm not the only customer they've done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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: Information belongs to someone else

Complaint:
I reached out to Trans Union, XXXX and XXXX a number of times since XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

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 2019-06-10
Company: JPMORGAN CHASE & CO.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I filed a dispute in XX/XX/2018 for {$30.00}. XXXX XXXX XXXX is the merchant. Today I was alerted by Chase that my account was - {$21.00} due to a dispute reversal. I contacted Chase spoke with XXXX who offered a scripted " I do apologize '' before transferring me to XXXX. XXXX informed me that XXXX credited my account on XX/XX/XXXX. I apologized for the oversight on my part and inquired about overdraft feesm XXXX informed me that Chase sent out a letter on XX/XX/XXXX. I informed the representative that I had receiced an email regarding a claim which had been approved but to date had not received notification regarding a denial. XXXX repeated the same scripted " I do apologize but a letter was sent on XX/XX/XXXX. '' She finally stated that there was nothing she could do and Tranferred me to XXXX her supervisor. I was informed by XXXX that an overdraft fee would not be applied to the reversal but overdraft fees would be applied to the pending transactions in my account. She read my pending transactions, there are six. I asked XXXX how was it fair that I may be charged multiple overdraft fees when I was aware of my spending and what was in my account and now due to now due to a lack of communication from Chase I am being held accountable for their error. XXXX provided the same scripted " I do apologize '' and offered to transfer me to the business department for assistance with the overdraft fees. There are no overdraft fees I am trying to prevent them! I am looking at between $ XXXX {$130.00} in fees all because Chase stated they sent a letter which I never received!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX and XXXX florida defrauded hundreds of students who went to their schools in XXXX florida and XXXX Florida in XXXX, the owner XXXX XXXX stole all the students aid loansmoney and XXXX XXXX us dept of education approved loan money up {$10000.00} and never trained the students the owner of the school went to prision plead guilty, the students never recieved training and had to leave the school and was left with student loans debt they never recieved or the school training, now XXXX the us dept education collection agency XXXX in XXXX nebraka still hold students ' like me accountable for student loans we never recieved or got training for, and damaged our credit reports for student loans, we never used or recieved someone need to discharge and suspend all student loans from these schools due to fraud, theft and illegal school activity from XXXX the owner of the school went to prision and the fbi need to be involved and dismiss all collections by the department of education XXXX student loans, also they required you to be able to typing at 100 wpm after you enrolled in their school but did not state this before you enrolled in their schools

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had not used my XXXX XXXX shops card in over a year, when I did use it I got a temp card on a piece of paper from the store. I was never informed that our XXXX XXXX shops card was switched from XXXX XXXX XXXX to capital one. ( We moved in the prior year ). I realized I had not received a bill so I sent a payment thru my bill pay to XXXX XXXX XXXX as usual. My bill was XXXX and I had credits for XXXX so unpaid amount was only {$39.00}. I used my card for dental bills the following month. As soon as I became aware of the change to Capital One I sent a payment for the balance in full. The payment was due XX/XX/XXXX and I paid XX/XX/XXXX. So for an unpaid balance of {$39.00} was charged total XXXX In interest. I contacted capital one as soon as I became aware of the mix up and was refused credit for the interest. I called them again before filing this report and advised them I feel the interest is unfair and again the cust service and supervisor refused to help. I feel the {$98.00} Interest charge is unfair. How can you penalize a customer who did not receive a statement and was totally unaware their account had changed banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
Company: EQUIFAX, 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:
Within 30 days these credit bureaus have not responded to my attached letters on items that are not supposed to be listed on my accounts. Please remove listed items. This is impacting my ability to buy a home for my sons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am in the process of trying to refinance my Mortgage. I was informed by the new lender on Friday, XX/XX/2020 that Specialized Loan Servicing was reporting me in Forbearance. 
I have never been in Forbearance / deferment. In XX/XX/2020 I did inquire about deferring payments but was told that the deferred payments would not be added to the end of the loan and I would have to requalify if I could not pay the payments that were deferred plus current payment. If I didn't qualify at that time I could sell my home. I did let SLS know at that time that selling my home was not an option therefore I continued to make my mortgage payments on time. I called XXXX on Mon, XX/XX/2020 asking why they were reporting me as forbearance I was told that my zip code is flagged as being affect by the wildfires. I explain I'm no where near the wildfires. I asked how can I be in forbearance if I have made all my payments on time and haven't signed forbearance docs? I asked them to send me a letter via email stating that they have reported me incorrectly and I have never been in forbearance. I finally received the email after several calls stating that I have asked to be taken off of forbearance. The letter did not state that they reported incorrectly. The new lender will not approve my loan because the letter is stating I was in forbearance at one time. I called back and was told that someone will call me back and that a letter saying they made a mistake cant be sent via email. I called back today and when I put my info in the recording says they are close. Its like my number has been blocked. I will attached my Payment History and the Letter/Email I received from them. I explained that I needed the revised letter emailed to me ASAP so I want miss a financial opportunity. Please let me know if you need a more info. I was also told that an other client had asked for a letter via email stating they were reported in Forbearance in error. I asked how many people credit was affect with their erroneous reporting? 
Thanks in advance.

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 2021-01-25
Company: Experian Information Solutions 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:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. They must be held accountable and to the standards clearly outlined in 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 2020-11-17
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RE : Existing complaint # : XXXX XXXX has sent the bill to : Afni, a collection agency. 

I do not owe this bill. Neither XXXX or Afni has heard my side of this wroglfully accessed debt. Afni just takes the word of XXXX  becaue they are a big corporation and can get away with ruining a persons credit without merit or cause. Below is my original complaint. Afni needs to read this. Collection agencies should not have the right to assume a debt is owed without talking with me first. 

XX/XX/2020 XXXX you will see I purchased an XXXX from XXXX XXXX. The XXXX didn't work properly and I made seven ( 7 ) calls within fifteen ( 15 ) days to XXXX. I also took the XXXX back to XXXX XXXX and I took it to a local computer/phone repair shop. It would be fixed for a day and go back to not working. My carrier was XXXX. The first thing of note is the people I talked with at XXXX had me calling them back until I had PAST THE FOURTEEN DAY return policy. All of my calls to XXXX are verifiable. On DAY FIFTEEN when I called I was told I was out of luck having them do anything for me. I refused to give up and got through to a " specialist '' within XXXX. I'll make a very very very long story short, I was told I had a right to a FREE replacement or upgrade as I had bought insurance that covered a one time replacement. I received that XXXX and it has been working fine. One day I received a bill for the free replacement XXXX. I am being harassed by XXXX and they are putting this debt in for collection. I returned the old ( 15 days old XXXX XXXX as requested ( see attached ). XXXX sent the instructions and a box on how to return the XXXX, which I followed. I sent it back within the timeframe stipulated. XXXX is absolutely in the wrong. I will not pay this bill and it should not go into collection. Not until I got farther up the line of employees at XXXX was I told I had the replacement coming to me. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

This debt needs to be canceled and taken out of collection. I did everything I could to resolve the issue with that phone and it was not fixable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/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 non-monetary relief
Consumer complaint received 2020-10-22
Company: National Credit Systems,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:
I have sent a debt validation letter and 3 609 dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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: Account status incorrect

Complaint:
This account is reporting as a collection when i paid this balance off before it went into collections. But on my XXXX report it is showing a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted original devt holder disputing this charge however attempts to collect continue so I want to offer XXXX to settle debt and have company update with credit reporting bureaus to prevent financial problems due to my financial hardship.

Company response to consumer: Closed with explanation