BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 the credit reporting agencies and collection agencies many letters in XXXX and XXXX of 2023 to give me written notice regarding my debit. The credit report agency sent me a free copy of my credit report and thats all and the collection agencies never responded. Both agencies are in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debit and all refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as a American Citizen.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: Miller and Steeno, P.C.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A judgment was filed against me by an attorney on behalf of XXXX XXXX in XXXX. In XX/XX/XXXX, the judgment was declared satisfied due to the judgment not being revived within the statute of limitations. In XX/XX/XXXX, I received a letter from the same attorney demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
On my Experian report a XXXX account appears and indicates that I am deceased and the account is reporting as a chargeoff. This is incorrect. Also a XXXX Bank credit report shows an incorrect balance. This balance should be XXXX and the incorrect balance is a result of fraudulent activity. An XXXX XXXX credit card reports and it shouldnt because the account was initiated fraudulently. Additionally there were XXXX inquiries that were made without my permission and they are : Bank XXXX XXXX on XX/XX/2021 and XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX XXXX on XX/XX/2021, and XXXX XXXXXXXX XXXX on 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 non-monetary relief
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan with Chase Auto Finance. In XX/XX/2017, my payment due date fell on a Saturday. I made the payment on Friday before the XXXX cutoff time. Instead of the payment posting that day like it should have, it didn't post until the following business day, resulting in a 30 day late payment that is showing up on my credit report. I've tried calling Chase Auto Finance multiple times to request that this 30 day late payment be removed from my credit report, and every single time I end up having to ask for a supervisor and/or manager, which either ends with a disconnected call or failed transfer, or that someone will have to call me back. I've never received a return call from a supervisor or anyone else in management. I've tried sending a payment dispute letter to their research department, but I can't get any answers from that either. I would like Chase Auto Finance to remove the one and only late payment from my credit report so that I can continue with the process of buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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:
This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : 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 explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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:
I placed a dispute in to the major credit reporting agency on XXXX, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.

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 2018-07-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A Mr. XXXX from " XXXX XXXX '' tried contacting me multiple times on XX/XX/2018, XX/XX/2018, and I finally picked up the call on XX/XX/2018. He said he was Collecting a debt that was once owed to Wells Fargo Bank. I called Wells Fargo to verify the Debt that was mentioned. They had no knowledge of whom owned the debt or if it had been collected ( This was a debt that I owed 10 years ago when I was in college that I thought I had paid off ). I called back Mr. XXXX and told him that I would be willing to come to an arrangement as long as they provided verification of the debt owed. After using harsh language and warning about a potential lawsuit multiple times, I asked for validation again. He proceeded to say some rather disrespectful things and hung up on me. 

I could not find out any information about this collections agency. I only know the telephone number that they called me from, which was ( 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 2018-08-23
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018 I received a voice message from a XXXX XXXX at XXXX stating to be from a law firm. Additional family members where contacted from Mr. XXXX and as well given my confidential information. I advised Mr. XXXX that I am willing to contact XXXX XXXX and make any arrangements. Mr. XXXX stated that I was unable to make any arrangements with the company and I needed to make a full payment today if unable to make a payment arrangement with him. Mr. XXXX stated her would be filing a motion for civil and criminal action against me if I did not complete a payment arrange. Mr. XXXX stated that I had committed a crime. Mr. XXXX stated that a freeze would be put on all license and any additional purchases that I make. Mr. XXXX attempted o provide me with his contact information instead of XXXX XXXX. I advised Mr. XXXX that I would need documentation from XXXX XXXX. Mr. XXXX forwarded me to his Director and the Director advised me of all payment options. Once declined and asked for additional options, the Director advised me that criminal action would be taking against me  and hung up in my face.

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 2018-08-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I brought a cashiers check to open an account and was told that the funds would be available the next day, so I agreed to open the account, then when I deposited the check I noticed on the receipt that the funds would not be available for another week because I am a new customer. I was not told this before opening the account I was told that the funds would be available the next day otherwise I would have not opened the account because I have another active checking account at another bank. I was misled and deceived.

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 2020-07-20
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought an apartment and used FirstBank Corp Puerto Rico as a mortgage lender in XX/XX/XXXX. At the closing the real estate property taxes were supposed to be paid for by the mortgage company as the HUD statement says they took the balance form the seller proceeds so that there is no property tax debt when I become the owner. 

I've been trying to reach them since XXXX because the local property tax agency still shows a debt from before my purchase and is constantly sending me tax bill collection letters for preXXXX debt that I do not owe. 

Upon contacting the bank several times in XXXX, XXXX, XXXX and this year I get no resolution. It was about a week ago when I was told by one of their customer representatives that the check was sent and never deposited by the property tax agency. 

The debt stands at almost 50 % more of what it was and I need this bank to settle it to zero  as I am in the process of a sale of this property. 

Note : ALL my taxes from the moment I acquire the property until today are paid for and zero debt from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Genesis FS Card Services, Inc.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
in XXXX i paid full balance leaving XXXX - the next bill showed a balance of XXXX XXXX i called the company as soon as i saw the bill i called customer service for Indigo card to report the fraudulent charge. i believe that was XX/XX/2022. .they sent me a new card but transferred the fraudulent balance to the new card. i called them again a few times. by the middle of XXXX i was getting past due deliquent notices. i have written to Genesis Card Service and emailed XXXX Bank. i have received no response from either. the only thing customer service said was that it takes XXXX days to investigate. Now the delinquency is being reported to the credit bureaus rather than waiting for the problem to be resolved. this is an awful company and i need help getting it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: REGIONS FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
In early XXXX we received a statement showing a payoff amount and due date of XX/XX/18. Regions bank proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts. 
This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired. 
Thank you! 
M

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 2018-03-27
Company: Navient Solutions, LLC.
State: NJ
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 spoke with XXXX from Navient who stated that they received a completed loan consolidation application from XXXX XXXX on my behalf and I never completed the application online. I only completed FASFA for XX/XX/XXXX-XX/XX/XXXX and then I had to go back in and do one for XX/XX/XXXX-XX/XX/XXXX FASFA application upon doing so in XX/XX/XXXXmy school notified my promisary notes were ready to be signed and I went into my account on Student loans.gov and there was the consolidation application and they support team stated they are not sure as to how that happened by just cancel it and it would not allow me to do so so they said accept it and we will cancel it on our end. I was under the assumption that is what happened on XX/XX/XXXX until I was notified by navient I then told them that was incorrrect and to cancel the application they stated I had to contact student loans customer support i did that and they are ping ponging me back and forth with the same statement. No one wants to accept responsibility and to make matters worse the original consolidation from XX/XX/XXXX was included in my bankruptcy filing on XX/XX/XXXX and not suppose to be touched at all. 
The next issue is the account is wrong I have four loans with all different interest amounts and there should only be two loans the consolidation in the amount of XXXX ( ROUNDED TO THE NEAREST THOUSAND ) and the AMOUNT REQUESTED IN XX/XX/XXXX FOR CURRENT SCHOOL YEAR taken out to cover the last two semesters of schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: National Commercial Services, 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:
National Commercial Services Inc at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is a collection agency reporting for XXXX XXXX originally contacted me on an unpaid insurance balance of {$7200.00} as of XX/XX/2020 with a payment agreement of XXXX XXXX  monthly. After paying monthly as agreed the balance kept accruing interest and is now reporting to the credit bureau in the amount of {$8300.00} from the collection agency. The payments that I have made were not properly applied to the unpaid balance and the balance is now increased on a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Delta Management Associates, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018, a garnishment was granted against me for the amount of 15 %. I am paid weekly as a XXXX for XXXX XXXX. 

The garnishment has been in effect and active since XXXX. 

The agency processing the garnishment is Delta Management. I  received no prior notice of the garnishment. I understand that this is normal with federal student loan collections. 

Delta Management has now taken to calling the company I am assigned with, XXXX  XXXX XXXX. It is a highly sensitive company that deals with consumer issues. To get calls regarding me is not a good look and puts my employment in jeopardy. For the past two weeks, a XXXX XXXX has been calling various departments asking questions about me. He left this number and extension, XXXX XXXX. 

Please advise as to what rights and options I have to make this stop. The garnishment is being paid there is no reason to contact my assignment. I work for XXXXXXXX XXXX and not XXXX. 
The lien is for {$200000.00}. If you get me fired, then I don't understand it is expected for me to pay off this debt.

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 2022-11-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Carrington Mortgage is reporting I was late the month before going into forbearance, which I was not, I was going into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: WELLS FARGO & COMPANY
State: NY
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:
My wife and I went to purchase furniture, when it came time to checkout we applied for a credit line to pay for the items. When some of the items were delivered they were damaged we were also missing some of the items we purchased. They billed us for everything. We ended up not keeping any of the furniture, I have made many attempts to resolve this matter with them yet we haven't gotten anywhere other then them showing a XXXX  balance. I should never have been billed in the first place.

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 monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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