BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I called Santander in XX/XX/XXXX to complete voluntary repossession. It was processed and I was told they would have tow driver pick up vehicle from repair shop. I got a call month later vehicle still at repair. At this there were no storage fees being charge. Santander stayed they would have check forXXXX sent to get vehicle. They never did. Repair shop called to state they would began charging storage fees. To date they have not picked up vehicle and they continuing to report late payments on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, Experian, XXXX  and XXXX continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.

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 2018-02-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
It is impossible to cancel my membership account. I am being charged {$24.00} per month for a service I can not log into and it has been this way for more than a year. Every time I try to log into my account it says I am unable to do so and that I need to contact customer service. When I contact customer service I am put on hold for hours and never get through so the problem is never fixed. 

I have emailed their customer service as well stating I want to cancel my account and never receive anything back.

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 2018-09-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
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 disputed an inaccurate account that is not mine from XXXX XXXX over six ( 6 ) different times for {$410.00}. Each times comes back as verified but its impossible because I hav enever used any service that XXXX XXXX is collecting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX I opened an account with Chase Bank for Direct Deposit of employment. This account was always in good standing since the day it was open. As of XX/XX/XXXX my account was locked due to fraudulent activity that was not authorized by me. An amount over {$2000.00} was fraudulently transferred into my Checking Account at the time with Chase Bank. On the same day of this activity, I called Chase Bank and spoke with a Teller whom asked me a few questions about my account and why I had this amount in my account. The teller I spoke with gave me a hard time, but  eventually he helped me. After my account was closed, I received a statement in the mail from Chase Bank to make a payment of {$240.00} due to the fraudulent activity that was done on my checking account. When I called back to speak with Chase about why I was responsible for paying an amount of something that I was not at fault for, they simply told me that I should have not lost my card. In the year XXXX, I went to visit a Chase Bank and tried to open my account again, but due to it being closed they told me they would no longer do Business with me anymore. When asking why, they simply said they could not disclose that information. No one would help me to understand why I was responsible for paying {$240.00} and why I could no longer open an account with them. Years later after changing jobs in XXXX I tried again and they told me that same thing and even said the same over the phone. In XXXX I attempted to go into the Chase Bank Branch to get more information on how I could open an account with them again, and they said the same thing. They would not do Business with me anymore and they not disclose any information with me. As of now, I would like to open an account with chase but due to this hold on my credit or name for which I am not at fault for, I can not start the business that I would like to start as well as building my credit. I'm a XXXX  as well as an employee whom is looking to have her own Business, but I can not do this if Chase Bank is going to be in the background of my credit. Purchase a car, a house but I just would like to have this cleared off of my credit or is possible my name. My future is everything and if my credit is affected by this, what can I do? No one should have to ever go through this with any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2021, I submitted a dispute on a collections item on my account ( {$1600.00} ). This was the SAME amount submitted by a different collections agency earlier in XX/XX/2021 that was researched and removed by all 3 reporting agencies. It appears the debt ( incurred due to identify theft ) had simply been sold from one agency to another. I had no issues with the other 2 agencies seeing that this is the exact same item I disputed earlier this year and them removing the issue ( AGAIN ) from my credit report. However, Experian has stated that they validated this debt to be accurate ( which is impossible ) and are not removing it from my credit report. The only option I was given was to report them and their company to this site for remediation.

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 2021-07-08
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit System # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: COAST PROFESSIONAL INC
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CFPB dumped my complaint regarding XXXX 's complicity with Coast Professional , Inc. I am therefore submitting a complaint about Coast Professional 's  misrepresentation regarding compliance with their " rehabilitation plan '' that was supposed to remove the two separate 20 % default penalties tacked on to my balance. ~ $ XXXX of my current student loan balance can be directly related to their deceptive practice and either their refusal to process and release information, or XXXX XXXX XXXX XXXX 's refusal to release my information. I'm working my way through the chain of organizations at this point. 

Coast Professional contacted me in XX/XX/2009 to advise that I was in default, and if I did not pay the balance in full immediately, or if did not make immediate arrangements for refinancing, I would owe the full balance plus the 20 % default fee. I filed for consolidation with Direct Loans, as shown in the attachments. Either Coast Professional and / or XXXX XXXX XXXX intentionally sat on the release of my file and my information to the Department of Education for six months, was given no opportunity to reaffirm the balance of the loan ( which, I was led to believe, was the amount WITHOUT the 20 % default penalty tacked on ), and much to my shock and horror, the 20 % was folded into my refinanced amount. 

I refused to pay the incorrect amount. The loan fell into default again. Another 20 % was tacked on. AGAIN. Coast Professional Inc. contacted me again, and I refused to budge until I received confirmation in writing that compliance with their instructions would remove the loan from default, and was verbally advised that removing the loan from default would remove the multiple 20 % default penalties tacked on. 

I complied. The balance was not corrected. No one will help. I'm submitting all my attachments again. Please do not dismiss this as a duplicate claim again.

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 2021-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They are calling my work saying I owe money I do not. They are threatening legal action talking to co-workers and leaving messages on my work phone telling me to contact this other firm because I am going to go to jail. I asked him to stop and not threaten me and he said I do not tell him what to do. He then asked me to transfer him to my boss. They called my work 4 times in the matter of minutes.

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 2018-11-16
Company: EQUIFAX, INC.
State: NY
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:
This is my 9th complaint against Equifax and their failure to remove this account that ISN'T MINE, Equifax has been shown proof several times that this account isn't mine and they have been given the chance to fix their mistake, but yet they continue to report this fraudulent account with proof that the account isn't mine. My next step is to file suit for {$1000.00} for each wrong doing that Equifax has done to me, as this false account is defaming my name. Remove this account immediately # XXXX and show me how you verify this nonsense, i can take a wild guess XXXX which is unreliable! Especially when i have shown proof 9 different times. Stop wasting my time and effort, next step is {$1000.00} in my pocket for each false account with this account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. Experian stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a zero balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this 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 2019-01-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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

I recently discovered an erroneous collection account on my credit file from a collection agency named Commonwealth Financial Services. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, Commonwealth Financial Services. To date my letter  has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA. 

The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Pacific Union Financial, LLC
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: Problem with personal statement of dispute

Complaint:
Hello- I am complaining about Pacific Union Financial not removing the XXXX   30 day late from my credit reports. Pacific Unions practice is to report late only if delinquency runs in to the following month. I had some financial difficulties starting from XX/XX/2018. However, prior to this year, I have not had a late mortgage payment. I submitted my XXXX payment on XX/XX/XXXX during the day through electronic payment postdated XX/XX/XXXX. However, by error the bank that I submitted the payment through XXXX XXXX, mailed a check vs. instantly initiating the ach payment. This error caused my XXXX mortgage to be late. I obtained a letter from XXXX XXXX on their letter head accepting responsibility. Yet, Pacific Union Financial ( the mortgage company ), wont reverse the late payment status. Yes, I pay my mortgage on the end of month, but I always do. And, again, their practice is to report only if delinquency crosses in to the next month. Please help. This is not right of them to choose not to remove the late notice for XXXX just because they have the power. Pac Union asked me to get a letter from XXXX XXXX taking accountability and I did provide it. I also submitted to the three-major credit bureaus myself. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I finally got InTouch with them and paid them in full. Now they refused to give me a letter or remove the debt off my credit report. Even send me a letter stating that I have paid the balance. They are unwilling to remove the item from my report. They are not in agreeance to delete it from my report. It's been over 40 days that it has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: AmerAssist A/R Solutions, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Amerassist AR Solutions, contact info ( XXXX. XXXX XXXX, XXXX, OH XXXX ) are reporting inappropriately to credit bureaus as well as in violation of law including HIPPA, FTC, FDCPA, as well as questionable if they have a right to collect in my home state. I demand that they stop reporting and remove negative items ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed an inaccurate account that is not mine from XXXX XXXX over six ( 6 ) different times for {$410.00}. Each times comes back as verified but its impossible because I hav enever used any service that XXXX XXXX is collecting for.

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 2020-06-30
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 is missing that should be on the report

Complaint:
They are reporting wrong personal info such as my name and address

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 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, 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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a freeze on my sons ' TransUnion credit report under the XXXX  Minor Credit Protection Program. In a letter from TransUnion dated XX/XX/2017, they stated, " We will remove the Credit Lock automatically from the child 's TransUnion credit report within 30 days of their 18th birthday. '' My son is now XXXX years old and trying to rent an apartment and his application was denied because there is still a freeze on his credit report. We can not be the only family that is beyond frustrated by the incompetence of TransUnion. Please help us and other families resolve this unfair and unjust violation of TransUnion 's own policy. 

Thank you

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 2018-11-16
Company: LendingPoint Holdings LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/18 an agreement was made with XXXX XXXX for a personal loan serviced my Lending Point. On XX/XX/2018 I received an email from Lending Point stating that my original Creditor for my loan was not with XXXX XXXX  but rather with another bank by the name of XXXX XXXX XXXX. I was advised to continue making payments to Lending Point on  behalf of XXXX XXXX XXXX. I reached out to Lending Point as well as XXXX XXXX  requesting validity to the Loan agreement that was signed on XX/XX/18 as well as the email that was received on XX/XX/2018. I was told by XXXX XXXX XXXX XXXX that I do not have a loan agreement with them serviced by Lending Point. I spoke with Lending Point on XX/XX/2018 and requested for them to provide me with written validation of the information they stated to be true. Today XX/XX/2018 I received a call from Lending Point stating that my Loan agreement is a valid agreement and per line 21. On the loan agreement stating that the debt can unilaterally be transferred without notice given to me. She went on to state that Lending Point now own the debt and I owe only them. Per my loan documents, it state an agreement with XXXX XXXX and only XXXX XXXX can transfer or assign the loan agreement. Further stating that Lending Point is only the servicing agent for the loan on behalf of XXXX XXXX. She implied that Im trying to get away with not paying the loan. I stated to the representative that I am simply requesting documentation of the agreement that was set forth with XXXX XXXX XXXX, and also documentation that the loan has been assigned to Lending Point. She insisted that the agreement I have is binding and my loan document is proof of validation.

Company response to consumer: Closed with explanation