BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: EQUIFAX, 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/2022 ) 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 15usc1681 the credit reporting company failed to abide by 15usc1681 and therefore I want these inquiries and accounts deleted.

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 2018-10-24
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
They will not help me lower my payments or let me do. A foreberance while Im out of work. I do not have the money to do so. Since this Monday they have called 17 times in 2 1/2 days. All day none stop from collections. XXXX ( XXXX ) XXXX And XXXX ( XXXX ) XXXX are the numbers that call all day and night looking for money. This is just my number, theyve been harassing my mother on her work and cell phone as well all day long looking for money as she is a co-signer. I have proof with the phone log records and voicemails. They are harassing me at this point now and not nice when I let the know my situation. Not sure what else to do at this point with the harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: Kikoff Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Nelnet, 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: Account information incorrect

Complaint:
I was recently denied for a car loan as information supplied by XXXX ( on behalf of Nelnet ) makes it appear that my debt to income ratio is problematic. This is due to erroneous monthly payment amounts being reported totaling over {$700.00}, notwithstanding the fact that I am currently on an Income Driven Repayment Plan with a monthly payment of {$0.00}. I have been on this plan for years, and will continue to remain on this plan so long as I recertify yearly, which I have always done. This issue only appears in error on my XXXX report ; my XXXX  and XXXX   reports both list my monthly payment correctly at {$0.00}. 

In speaking with these companies, XXXX  blamed Nelnet for providing inaccurate information, while Nelnet blamed XXXX for " interpreting the information they provide incorrectly. '' The bottom line is that SOMEONE is responsible for this inaccurate information, and responsibility can not simply continue to be shifted back and forth. The information needs to be fixed. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/2022 XXXX XXXX of XXXX via NC XXXX XXXX XXXX illegally obtained my credit file from TransUnion. The request for deletion of this inquiry was denied by TransUnion even after being provided direct information from the dealership of the unauthorized request. 

XXXX XXXX XXXX XXXX on XXXX XX/XX/2022 obtained my credit file without my authorization or permission from TransUnion. My request for the deletion of this inquiry was denied by TransUnion even after I provided them with information from the dealership of the unauthorized inquiry.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and severity of not taking my situation seriously. It has cause financial injury and defamation of character along with 43 plus days of no response.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Associated Compliant ID : XXXX ; and XXXX I attempted to place them on your site TransUnion ; however, your office seems to be trying to escape from legal matters ; it looks like a trashy reporting company. It is supposed to do well are reporting, yet not verified before registered.. CFPB ; check their amount of docs able to be uploaded online, which is ( 5 ) ; however, a dispute may be taken more than that to prove. Which are the issues I'm having? I was able to upload one set of docs and then proceeded to upload the associated case docs, and it was a no go ; I can't make this up, try it for yourself.. The next noticed the site said you could only dispute one case every 30 days online excuse me they reported more than one account, I should be able to dispute, whatever is registered on a portal or don't report all. It's almost as if your negative generating information to assist in charging me higher rates ; please audit this Company in their practices with consumers. It is not the consumers ' job to ensure the staff doesn't get overloaded. Get the workforce and stop all this off sourcing of services American Company. 


Trans Union seems to have an issue with making sure that the billion-dollar company sites work. Attempted to posted the needed docs to complete a dispute on the portal ; however, it seems the portal can't have docs uploaded. 

I then attempted to call over the phone after spending 5 hours still no results ; I asked could they take the claim over the phone, they said yes, but I would need to mail the docs it is XXXX, not XXXX we online in what good is a portal that only allows five docs to prove a case. Then the misleading fax numbers that do not exist based on the information provided via staff XX/XX/XXXX from XXXX XXXX to XXXX XXXX   EST. 

Their entire system seems to be a joke in not trusted with consumer information. Someone from the CFPB needs to send a task team to check the online, phone, and communication outlets that frustrate consumers trying to conduct business with this Company. About incorrect information, and then they advised we have a system ; however, it required me to purchase credit protection from this old school poorly ran Company, I think not. Check their design and evaluate them. 

Please see the attachment that I was trying to provide to assist in dispute research that they need to do before just posting the garbage system. It took the XXXX XXXX stroke of the button to provide all these lies ; however, I'm having a tough time correcting.

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 2023-09-09
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My concern arises from XXXX 's false and misleading representation, as well as their use of unfair and unconscionable means to collect an alleged debt. It is clear that XXXX has mischaracterized this situation by referring to the alleged debt as an " account. '' The term " account '' has specific legal implications, as outlined in 15 U.S.C. 1693a ( 2 ), and XXXX 's misuse of this term is both misleading and unlawful.Furthermore, my complaint addresses a broader issue related to debt collectors ' practices. When a debt collector places a tradeline onto a consumer 's credit report and makes an inquiry or permissible pull under 15 U.S.C. 1681b ( a ) ( 3 ) ( 4 ), the definitions in 15 U.S.C. 1681a become applicable, including the definition of the word " account. '' Debt collectors often assert that they have a permissible purpose to obtain a consumer report and place a tradeline onto a consumer 's report because they claim that the consumer has an " account '' with them. However, as per the law and the specific definition of " account '' in 15 U.S.C. 1693a ( 2 ), no consumer has an " account '' with any debt collector.In accordance with 15 U.S.C. 1693a ( 2 ), the term " account '' is explicitly defined as follows : " The term 'account ' means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open-end credit plan as defined in section 1602 ( i ) of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement. " It is abundantly clear from this legal definition that no consumer has an " account '' with a debt collector by operation of law. Credit Corp Solutions Inc misrepresentation of the term " account '' in their collection attempts is not only deceptive but also in direct violation of the Fair Credit Reporting Act ( FCRA ) .I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Credit Corp Solutions Inc for their misleading and deceptive practices. Furthermore, I request that you provide guidance and oversight to ensure that debt collectors adhere to the accurate and legal use of terms, particularly the term " account, '' when attempting to collect alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: PHH Mortgage Services Corporation
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Became behind in payments, had to utilize XXXX XXXX for Payment. 
A bank check was sent from my bill pay and was not accepted, but returned to me. 
XXXX XXXX Payments as follows : XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$520.00} XXXX XX/XX/XXXX {$520.00} Prior to submitting any further payments, called the Mortgage company to ensure they would accept payment amounts. The answer was yes. I paid the following : XXXX XXXX {$1100.00}. The total amount was still sitting at XXXX XXXX. XXXX XX/XX/XXXX spoke with XXXX who stated that their accounts department would be open 8a-5p she would call me back. Never called. XXXX XXXX XXXX with XXXX. She did not call back. XXXX XX/XX/XXXX spoke with XXXX. XXXX called me back and said if I do not hear from him he could not get in touch with anyone. I talked to my case manager XXXX XXXX my case manager who said the funds were with XXXX because the account number was not on the transmission receipt. I called again on XXXX XX/XX/XXXX spoke with XXXX XXXX and asked if I should just get the funds and resubmit with the account number. She said yes. I also asked if they would still accept the funds. She said yes. I checked today they received the funds the same day and when I called today XXXX XX/XX/XXXX I was told by the customer rep that the funds were being sent back to me because I am five months in the rear. I was put on hold to speak to XXXX XXXX and was disconnected before I spoke with her. I called back, five minutes later and was again disconnected when transferring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They call and harass me non stop. While I try and work everyday calling and calling 7 days a week. I reached out to try and re finance my car loan they told me no I couldnt. I became late on my payment. Then I send them almost XXXX dollars and they start calling and harassing even more. Their calls are taking a toll on my mental and physical health. Im a single mother of two small boys. And their dad stopped paying child support. I told XXXX this and they didnt care. I feel like they are trying to make me sick by their harassing g behavior. My XXXX XXXX is sky high and I cant take much more of them. Please help

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 2018-10-24
Company: SYNCHRONY FINANCIAL
State: OH
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: Overcharged for something you did purchase with the card

Complaint:
I purchased two items using my TJ Maxx MasterCard issued by Synchrony Bank totaling {$31.00}. I received a statement for the transaction and a minimum payment of {$25.00}. The items were both damaged in transit. After following up a few times looking for the refund credit, I filed a dispute for the transaction amount ( {$31.00} ). After a few days, I received a credit for the merchandise less the shipping and handling fees ; less than the transaction amount. I made another phone call to request the remaining balance ( shipping & handling fees and tax ) and to question why I was still required to make a minimum payment for merchandise that I did not have/receive. I was told that I would receive a customer satisfaction credit for the remaining balance but I had to make a minimum payment since the credit for the disputed transaction and the customer satisfaction credit posted in a different billing cycle. I requested to speak to a supervisor regarding this issue. I spoke to a customer service manager XXXX from Ohio ( operator number XXXX ) to explain my perspective, which I think is predatory and not consumer friendly and he echoed the same message. I know that I should at least have 23 days to receive a billing statement for new transactions before a payment is required. Synchrony Bank seems to be violating this law based on this disputed practice. I have excellent credit, so I am left paying for transactions that I have not been billed for so my credit is unharmed despite having no merchandise. Seems like a XXXX thing to do to customers. It is already poor enough to work with an ordering department and a billing department for this issue, which seems like common customer courtesy.

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 2017-09-21
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I 'm having a serious problem with Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. In XXXX XXXX I purchased a automobile from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, VA XXXX in XXXX XXXX, my car payments come directly out of my bank account, I never been late nor missed a payment. Now there 's a problem. I called all three credit bureaus, XXXX, XXXX  and XXXX, to find out have Bridgecrest called the credit bureaus to update my credit history, Bridgecrest have not called the credit bureaus. I have been paying on a automobile from XXXX for 14 months and have not to update my credit history. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your report. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your credit report. Now I called XXXX several times, different results but very alarming. Bridgecrest show up in my XXXX credit report. Now I called Bridgecrest a dozen times, to let them know that they 're not showing up in my credit report and that they have not been calling the credit bureaus to update my credit history, they keep telling me that they have been calling, well I let them know that I have talked with all three credit bureaus and they do not show up in my credit report, so a Bridgecrest representative and the manager of the credit department kept telling me to just call the credit bureaus back and ask for the supervisor, for XXXX and XXXX, not only that for some odd reason a Bridgecrest representative kept asking me to mail them my credit that I recently received in the mail. Now for XXXX, I was told by Bridgecrest credit department and more than one customer service representative, that they have not been reporting and up dating my credit history to XXXX, the reason being because XXXX have a block or lock protecting my credit report, I have to call XXXX to ask them to remove that block or lock, that 's the reason why they have not been calling XXXX to update my credit history.? So if Bridgecrest admitted that they never called XXXX to update my credit history, so how 's Bridgecrest showing up on my credit report if they never called XXXX and how XXXX getting these monthly updates? For some odd reason Bridgecrest Acceptance Corporation are avoiding and evading to call XXXX, XXXX and XXXX to update my credit history. They refuse to call the credit bureaus, why? There in violation of the Fair Credit Reporting Act. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXXXXXX ). XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have my credit damaged because of National Credit Systems XXXX Ga XXXX. 
I have never leased an Apartment from XXXX XXXX, nor applied and I am being charged {$220.00}. I have no knowledge of why they are very rude, and I was threatened to have it on my credit for 10 years by one of their agents. I feel this is not correct, and I wrote them to clear my credit. They have not, I want them to correct this charge. I would like to see the apartment, that they claim I lived in. I also want to see the monthly payments, utilities, and mailing address in my name at this location. I have in the past, went through the same problems with this
Apartment named XXXX XXXX. I finally had it cleared, and again I am having the same issue again.

I told them that I did not live at their apartment complex. I want this charge cleared once and for all. 


XXXX XXXX

Company response to consumer: Closed with explanation