BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, XXXX has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 XXXX, TransUnion, and XXXX, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.

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 2018-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, i sent a requests to Equifax and XXXX to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from Equifax stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling Equifax on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called XXXX on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into Equifax and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : 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 2018-12-24
Company: Navient Solutions, LLC.
State: CA
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 consolidated my federal loans with Sallie Mae years ago. When the Public Service Loan Forgiveness became known Sallie Mae told me over the phone my loans would qualify. Then my Sallie Mae became  Navient and Navient told me I don't qualify for the 10 year pay off. I'm XXXX years old, a XXXX XXXX XXXX XXXX XXXX and I spend months arguing with Navient. I don't have time to argue for years with Navient so I transferred those loans to the fed loan system, so I can at least start the payoff. How do I get Sallie Mae or Navient to honor the Public Service Payoff?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
The validity of this account has been disputed directly with the company Navient Solutions LLC, and the 3 Credit Bureaus XXXX, XXXX and XXXX. There is NO CONTRACT related to this account! Please provide any documentation containing my signature that shows that I am under contract for the debt. Being that the account was transferred to another lender, please provide any agreement between the original creditor and new lender or collection company. XXXX  has deleted the account in accordance with the law, however XXXX and XXXX continue to report this account as verified or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2019. Pioneer Credit Recovery has called my neighbors that I dont even know. They literally just moved in in XXXX. They told them my personal business. They were not on my reference list as I dont know them. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX emailed Nissan Motor Acceptance Corporation ( NMAC ) and XXXX  referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, XXXXonsumer Financial Planning Board complaints are XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of Nissan from its credit report XXXX willingly continues to participate in Nissans fraudulent scheme. One of many of XXXX corrupt participation is its recent attached, issue deferral, communications, report # XXXX. 

XXXX in part states : if account was opened as a result of identity theft, credit grantor may not know to contact you to discuss this matter The most recent contact to both XXXX and XXXX is : Email to : XXXX, XXXX and XXXX, subject : XXXX Request : NISSAN-INFINITI lease # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX XXXX If in fact Nissan did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. XXXX  respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that Nissan # XXXX is totally removed from my personal credit report. 

XXXX   has been repeatedly advised to request of Nissan Motor Acceptance Corporation its USPS mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX TOL/TOE Good Afternoon : I received a call back from Mr. XXXX XXXX notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED 4/18/20..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*AA/AS I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to XXXX there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | NMAC XXXX XXXX Credit Report # XXXX is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to communicate as instructed by XXXX XXXX XXXX XXXX XXXX ( see attached ) with " servicer '' to address my concerns in XXXX email dated and forward to all parties involved on XX/XX/2018. Please see below email forward. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To XXXX CC XXXX, XXXX XX/XX/XXXX at XXXX PM XXXX XXXX XXXX, XXXX XXXX has informed me to contact you " the Servicer '' ( SLS ) and now I have been declined information from both you and XXXX XXXX referencing my concerns as a consumer-homeowner. 

XXXX XXXX stated SLS in fact is not affiliated with XXXX XXXX in anyway ( per the XXXX letter attached from XXXX XXXX ). These statements from XXXX XXXX are misleading, deceptive and confusing. " Please advise clarity of your affiliation and a detailed explanation of your position. 

If all possible can you furnish me a contract that confirms your interest in and with XXXX XXXX  and all Trust, in addition to a clear chain of title from the originator due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX having no knowledge of the chain of title who in fact transferred this unlawful transaction to you without merit. 

PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT Please confirm and respond within 15 days of receipt. 

Cc : XXXX XXXX XXXX XXXX - VP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
This concerns GM Financial. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid my XX/XX/XXXX payment which was due XX/XX/XXXX on XX/XX/XXXX which was one day late, not 30 days late. They reported to XXXX  that I was on time. They reported to XXXX  and XXXX XXXX that I was 30 days late in XX/XX/XXXX. I caught the account up in XX/XX/XXXX and can not have them showing 30 days late when i was not. Also, XXXX  and XXXX   show a balance of {$17000.00} which is incorrect and XXXX shows a balance of {$13000.00} which is correct. I made 4 payments in XX/XX/XXXX and XX/XX/XXXX to catch up. GM Financial told me that they had a system update in XX/XX/XXXX and could not report until XX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/XXXX ). They tell me they reported and can not correct until the XX/XX/XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Global Lending Services LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Had a total loss insurance claim for vehicle. Insurance company settled for an amount but insurance company sent proceeds for amount more than guaranteed amount and company has not submitted documentation where and how funds were distributed. The extra funds were due to extra coverage which was paid on my policy. This company has predatory lending practices. Also gap insurance claim was not honored and no explanation given for denial even though it was a valid claim. We have not received any documentation only bills asking for more money from loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, THURSDAY, XX/XX/2019 I tried to order my first credit report online today. 

I went through XXXX XXXX first. When I was trying to set up an account with them, I received a notification that impeded me from moving forward. It read : " Your personal information doesn't match with credit bureau records. '' To my knowledge, the information I was providing to them was and should be correct. 

I filed a complaint email to XXXX XXXX to seek a solution. Their response was that my information did not match up with the file TransUnion had on me. 

So I contacted TransUnion, spoke to one of their representatives ( XXXX ), provided them with the same information and they found no file on me. The representative offered that I send documents to start a credit report, I declined and did not take any further action. 

I let XXXX XXXX know that TransUnion did not have a file for me, and as of this moment, I have not heard back from them. 

I tried to access my free credit report via the Annual Credit Report website and chose to receive it from TransUnion to keep consistent, and I could not access it either as a notification that said " We do not have a record that matches the information you entered '' appeared. 

I am filing this complaint because : 1 ) I want to check if I have a credit report. If I do have one, why can't I access it?

If I do not have one, should I be concerned of fraud or of another problem since XXXX XXXX   mentioned TransUnion DID have a file on me? 
( I do not know if I have a credit history, something I was trying to find out through XXXX XXXX, but as you have read, it was not possible to set up an account because my " information did not match with credit bureau records. '' ) 2 ) I want to check what information is available on me to confirm that it is correct. 

Thank you for your attention to this matter.

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 2022-08-08
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have sent Goldman sach banks a correction of billing errors notice pursuant to 15 USC 16666 ( a ) stating that there is an error in the statements for credit card associated with ACCOUNT NUMBER ENDING:XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00} ) that was issued to the consumer ( me )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: RC Willey
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have court documents saying rcwiley to be removed in negative credit report and one credit report is refusing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In 2014 I was unable to make timely payments on my XXXX XXXX account which was serviced by Citibank. The account was referred to collections and charged off. I hadn't been able to make suitable arrangements and each month the account updated as being paid late although no payments were expected since the account had been charged off. 4 years later I received a XXXX indicating the debt has been cancelled. I had not been contacted for any collection activity on the account in 3 years. The account is now handled by XXXX XXXX XXXX XXXX. Since this account was originally charged off, how is it now considered forgiven debt when the original creditor wrote the debt off as bad debt already?

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 2019-09-13
Company: CITIBANK, N.A.
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 contacted XXXX, about several issues not updated in their report for credit card balances, this particular card showed XXXX balance on a XXXX credit limit. When my balance was XXXX. I filed disputes with them. XXXX contacted my credit card company Citi Finanacial and asked them to lower my credit limit to XXXX, when I have not ever been late on, then updated my balance. Which would drastically lower my credit score, instead of raising it.

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 2021-11-05
Company: BARCLAYS BANK DELAWARE
State: CA
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:
2 Merchants are trying to refund my purchases but Barclays isn't helping at all. I have documentation proof from both merchants showing they have tried crediting my card back.

Barlcays asked for those documents and now they're saying the charges are valid which is really confusing because the documents clearly state im due a refund. 

those charges are XXXX XXXX on XX/XX/2021 for {$2000.00} and XXXX on XX/XX/2021 for {$1000.00}

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 explanation
Consumer complaint received 2018-12-24
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: Personal information incorrect

Complaint:
I have repeatedly requested corrections to my name spelling, address, employer etc. and they've failed each time to honor my request. I'm sick of sending certified letters to them asking them to correct the information I've asked to have removed from my report. It's not rocket science therefore shouldn't be difficult. They have left the erroneous info on my report without correcting it. This time I want it corrected and a report showing that they've done so.

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 2018-02-15
Company: VELO LAW OFFICE
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Velo law has hit my credit several times for the same debt. They change the last four of the account number to hit my credit numerous times even though its the same debt. When I dispute the debt and it gets removed the change the name of the debt collection agency and put it back on. They have single handedly ruin my credit and made it so I could not buy a house! The original debt from XXXX XXXX XXXX is over 7 years old and the collection debt is more then 5 years old. I have contacted them several times and pet them know the debt is too old for them to collect on!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: RFNA, LP
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: Account status incorrect

Complaint:
Loans in my name and never paid back or late payments .... hacked my bank account and I had to get 3 new cards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Midwest Recovery Systems
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The collection agencies that I've listed below are reporting old debts. They are re-aging them and placing them on my credit report. It is my understanding that this is illegal for someone / company to re-age a debt that is greater than 7 years plus the statue of limitation in the State of XXXX is 4 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Debtor : XXXX XXXX XXXX Original Creditor : XXXX XXXX University Amount : {$160.00} Date incurred : XX/XX/XXXX Midwest Recovery Systems XXXX Original Creditor Name : XXXX Type : Payday loan Debtor : XXXX XXXX XXXX : {$700.00} Date Incurred : XX/XX/XXXX

Company response to consumer: Closed with explanation