BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX  XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.

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 2021-09-08
Company: ALLY FINANCIAL INC.
State: MI
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:
Ally financial- inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company already about this

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 2021-09-08
Company: Nobilis Credit Management, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX, XXXX i receive a call from that number and a person name XXXX start telling me about an account and i explain to him that for him talk to me with respect and i will talk to him, but he was calling me theft i tells him i am a disable person due to an accident i have on XXXX but he continue with bad actittude. I hang out the phone and he call back as soon i answer he said you beleive this was gon na stop here, now you will have a lesson because i am a thief that i use an excuse of XXXX to stole from people. I try to talk to him and give me the name of the company but he dont wants to give it to me, instead he continue calling me thief and hang out the phone. I try to call the primary company and they said that Nobilis Credit Management LLC have this account. 

I ask him if he wants my documents from my accident on XXXX to this days and he can see i lost my job due to 3 major surgeries on my lower back. And that i finish with 10 screws due to this accident. This is not a corrwct way to talk to people, yes we have a responsability to make the payments but not in this conditions of threat and making false allegations on a person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.

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 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

XXXX  XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX Transunion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-02-28
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT. I NEVER RECIEVED ANY NOTIFICATION IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALSO, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT. I NEVER RECIEVED ANY NOTIFICATION IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALSO, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-09-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a notarized affidavit on XX/XX/2021 to the credit reporting agency and still havent received a response. According the FRCA the investigation shouldve been completed in 30 days well that has expired.

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 2018-03-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls from MCM OR XXXX XXXX XXXX XXXX They start calling my phone at around XXXX  every day. They call my work phone over ten times a day. And after they call my place of employment they call my cell phone. I have asked them to stop calling but it is so aggressive Im done. Yes I acknowledge the debt. But at this time I am not in a situation to pay for it. I explained this to the original debtor which was XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: FCI Lender Services Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX XXXX, XXXX to this Day XXXX XXXX, XXXX, I received calls and was threaten by the XXXX XXXX Department from FCI Lender Services , Inc.,  XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, ( XXXX ) that I will be foreclosed and arrested from my home if I do n't pay the remaining balance on my Mortgage. 

My Home Mortgage was sold to this company by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, ( XXXX ) As a XXXX XXXX Veteran, I 've lived in my Home for 26 years, I simply want to pay my Mortgage off with the Modification I had before it was sold to this company. Currently, The FCI Lenders , Inc., has over charged the value of my Home -Mortgage. My Home has been appraised at {$140000.00} for my area- yet, FCI is demanding I pay {$260000.00} Cents for my home -- this is fraudulent and wrong.

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 2021-09-08
Company: EQUIFAX, INC.
State: NC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I just began this lease with XXXX XXXX. My 1st payment with XXXX XXXX   was due XX/XX/XXXX. I went onto their website on XX/XX/XXXX and processed my payment, however, on my bank statement it came up as being withdrawn twice. Once on XXXX XXXX for {$460.00} and once on XXXX XXXX for {$460.00}, not sure why one is {$3.00} more. I called on XXXX to get the {$460.00} returned to me. They told me to fax my bank statement ( attached ) showing the payments cleared to their account servicing department. I have faxed this information 3 times since Tuesday and they are still claiming as of this morning they have not received it ( I have the fax confirmations for all 3 if needed ). I had an initial problem with faxing anyway since it's not secure and I'm sending my bank account information over an unsecure communication method. Plus, they are lucky I'm in a position to have the extra money in my account. If I was living paycheck to paycheck like many I would be left with nothing. I want the payment of {$460.00} returned immediately!!!! This was my 1st payment with this company ... my 1st experience and this is what I'm dealing with. I want my money back now!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-05
Company: Meadowbrook Financial Mortgage Bankers Corp.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage broker, XXXX XXXX at Meadowbrook, was negligent last XXXX, 2016. He was unaware of a critical deadline ( my son 's XXXX birthday ) which caused my refinance to fail. He gave me wrong information about the deadline that I passed on to my co-op that was processing approval forms ( XXXX ) for me. Then when I succeeded getting the forms and XXXX had a short remaining window to get the job done, he disappeared, sending out a bogus autoreply that he was at a funeral for 2 days- except with dates for the previous month. 

So I also suspect that he may have willfully wanted me to require extensions and was purposely slow ( based on not knowing my critical deadline, but just believing I could get standard extensions ) because it was somehow beneficial to him - that he 'd make more money from the deal as a result. And if this was the case, I suspect that he may be doing this to other clients too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had calls every day for two weeks on my work cell phone. At work at XXXX XXXX  like clockwork. When my legal aid help called for me and asked if they were a debt collector they refused to inform him without confirming it was me they refused to give him a manager they refused to give any divulgence of any information and then hung up on him on seven different occasions.

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 2021-09-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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:
For some reason Experian continues to dishonor my Identity Theft Report by allowing the continuance of fraudulent account reporting. I recently sent Experian a Police Report which included accounts XXXX XXXX XXXX XXXX XXXX which both are accounts I never opened, established, or received any goods or services from. I received a letter from Experian this week stating unless I provide new information they would not investigate my dispute. I find this reply to be discriminatory or unethical for a consumer reporting agency whom uses only automated verification procedures simply ignore or deny TWO LEGAL OFFICAL LAW ENFORCEMENT reports. Under the Fair Credit Reporting Act my rights have been violated and continue to be while this fraudulent accounts still remain on my credit file. XXXX and XXXX  both have removed the accounts in question so I don't understand why Experian won't adhere to 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 2021-09-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-09-08
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have called Chrysler capital several times regarding an alleged car loan I told them that I was unaware of that loan. Chrysler capital claim that I am legally Obligated to repay the loan in full. I proceeded to call and complain every month due to the damages Chrysler capital has done to my credit report. My credit score went from XXXX to XXXX because of the company refusing to fix the matter. I have fraudulent activity on my credit report because of Chrysler capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I sent several times to Navient information requested copy of driver license since they claim having the wrong birth date, copies of cancelled checks for payments not posted to the account. These Paynes made by the Bk XXXX Trustee. Unable to create a log in to check account. Unable to change payment plan sine Depatmentcof Education does not show I gave a loan. They keep saying documents can not be read.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I contacted LVNV Funding requesting the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, they refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: SYNCHRONY FINANCIAL
State: OK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An order was placed with XXXX XXXX XXXX on XX/XX/XXXX but never received. I called to see why it hadnt shipped and the XXXX XXXX XXXX  representative said they werent going to be able to fill the order until they didnt know when, so I cancelled the order over the phone. This was done on XX/XX/XXXX. The order had been paid for with the XXXX XXXX XXXX store credit card. 

I called the company XXXX XXXX XXXX a week later since I still had not received the credit card credit. They told me then that they had 5-7 days to refund the charge and that hadnt expired yet. So I called again when the time was up and they again said it would be 5-7 days. I then called the credit card company ( XXXX XXXX XXXX  credit card ) and they said they would put in a claim to have the charge refunded. No documentation was received and no record of a claim being made to refund the card exists. 

I called again in 5-7 days to XXXX XXXX XXXX company and this time they gave me a case number. When that 5-7 days expired on XXXX XXXX, I called again and they said someone would contact me in 1-2 days. That expired XXXX XXXX and I have not called again. The credit card company for the XXXX XXXX XXXX credit card still has not refunded the money nor have they attempted to contact me about the refund. This is extremely frustrating as the card balance was required to be paid without incurring late fees and has been paid, even though the refund was due nearly 2 months ago!!!!

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 2020-08-03
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid a Cashier 's Check {$29000.00} to Chase ( Date XX/XX/XXXX ) to payoff the balance of my account. 

According to my bank, the check " was processed by Chase on XX/XX/XXXX and cleared our account on XX/XX/XXXX ). '' My card was declined at different stores multiple times and when I called Chase, they told me that it was because I didn't have any available credit. Each time they claimed that they had not received the {$29000.00} payment. 

On XX/XX/XXXX, I called and was told that they still had not received my payment. I offered to provide a copy of the canceled check via email or scan, or fax. They said they had no record of my payment and no way to receive a copy of the check from me, and I would have to wait. 

I called again on XX/XX/XXXX and got the same response. I was exasperated and asked to speak to a supervisor, who told me the same things as on XX/XX/XXXX. After pressing she said they did receive the check, but that they had to wait a few days for it to clear before they credited my account. I again gave all the information about the check and offered to provide the canceled check. She again told me there was no way to receive it. 

I told her to cancel my account completely and that I would no longer do business with Chase. I told her I would wait on the line until everything was closed. She confirmed that all was closed. 

On XX/XX/XXXX an " Chase Auto pay withdrawal of XXXX '' cleared my personal checking account. I called chase and spent another half hour trying to resolve the issue. they claimed it was for interest accrued after before the check cleared. I explained everything to two different people and finally XXXX in customer service told me that she could refund the money, but it would take " 2 business days to process the refund '' and that I would " need to call back and request that Chase issue a balance credit refund '' then it would be another 7 - 10 business days before they would issue a refund. 

I asked XXXX to delete my bank account information and that Chase was never again authorized to access my bank account for any reason. She said that was done. 

I don't understand why I have to wait a couple of weeks and call multiple times and request a refund for their error. 

Between XX/XX/XXXX, I have wasted almost 5 hours ( XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ) to get Chase to acknowledge a {$29000.00} check, and to refund me the money they overcharged, and I was told that I will need to call at least two more times to get it.

Company response to consumer: Closed with explanation