BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Their investigation did not fix an error on your report

Complaint:
Fair Collections and Outsourcing are Reporting a Rental Debt that is beyond the Statue of Limitations. Subsequent, to my request to Validation of Debt, Fair Collections and Outsourcing sent me to the sign Rental Agreement and Ledger. The Ledger shows the First of Delinquency beginning around XX/XX/XXXX to XX/XX/XXXX and was never brought current in which led to the eviction process. Although, XXXX was supplied the Ledger, it  refused it and now Fair Collection and Outsourcing continues to report the debt on my Credit Reports.

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 2018-07-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I can not get my refund check from prestige financial out of XXXX XXXX XXXX Utah. Every time I call them I get a different story. The loan has been paid off and the check has cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: MS
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:
To Whom It May Concern, This complaint is a formal complaint against the company Equifax. I recently pulled my credit report and noticed one inquiry on my report without permissible use. According to the FCRA, they should be removed. I have sent in many letters disputing the unauthorized inquiry that I am aware. Many attempts were made to over come this problem with the creditor and reporting company. The inquiry name and date is XXXX XXXX XXXX , Auto moblie Dealers, Old, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: WorldRemit Corp.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On Monday XX/XX/2021, I initiated a transfer of {$350.00} to the XXXX XXXX with WorldRemit. Their website promised a hassle-free transfer process with low costs, and I took them at their word. 

Right after I initiated the transfer, WorldRemit withdrew funds from my account, without indicating that any additional requirements should be met before the transfer is completed. 

About two hours after WorldRemit  withdrew money from my account, I received an email asking to verify who I was, and the purpose of the transfer. I immediately responded with answers to their questions. 

Nothing else happened on Monday -- despite the company 's promise that transfers should happen on the same day. 

I called today Tuesday XX/XX/XXXX, to ask for a status update -- and after a long delay of several hours, was to told I have to provide a selfie photo via email. 

I called to express displeasure about the delay ... and the additional request for documentation which was NOT made clear on the website where I initiated a transfer. About XXXX EST today, WorldRemit sent another email asking for a photo-selfie, and my national passport. 

I feel that I was unduly targeted for additional review by WorldRemit and would want to know if others have reported such behavior. 

When I said as much and asked for the transfer to be canceled, I was told they can not return my money for another 7 days. 

This should be illegal. They can take my money within minutes without properly disclosing what is needed to complete a transfer, but they can not return the money for 7 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hello again, in this complaint I will include proofs of transactions that go beyond the incomplete records of Chase in particular that they were some how able to destroy my accounts, make look a fraud and cause me an incredible debt that just is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/18 I called in to Navient to discuss options concerning a payment. I explained that terms of the loan have gotten out of hand due to excessive forbearance that has been continually pushed by Navient. I reluctantly used this option in the past as a way to stop credit reporting as I continue to attempt to build my credit. I was expecting some sort of deal that would stop credit reporting and what i was offered was a program that " may '' end up dropping my rate. I explained that I needed a lower payment as this payment is currently out of my budget. The response of the two representatives I spoke with was appalling. The first lady I spoke with insisted that I make a payment towards the past due balance now. I questioned her as to how the credit reporting would go. She claimed that it would report 30 days less then what is reporting now. I questioned her on the original amount of the loan and how it has doubled. she claims that excessive forbearance is the reason. When I told her that I would need to call back when i am able to make a payment she questioned me about why I needed to call back and why I couldn't give her an account number to " post date '' now. I explained that i did not know which account i would be able to use so I was comfortable doing that. She became irritated and sent me to another representative to " check the account '' for me. The next representative apparently thought she would shame me out of the money. After i explained that I didn't have the payment she began interrogating my as to where my money was and why i couldn't pay. After about ten minuets explaining my situation she begins making the most rude and unprofessional comments. " Well how's the new truck, the truck you got in XXXX. '' " I explained to her that its great I am able to get my family around and get to work everyday. '' I proceeded to ask why she thought it was necessary to speak to me as if she had personally given me money to pay Navient back. She continued to push and ask why no payment has been made since XXXX, to which i respond I have been stuck between a rock and a hard place, and I really don't appreciate your professionalism when it was me that called in to rectify the situation. After an hour long, conversation I was frustrated to the point of hanging up the phone, I do now wish to deal with Navient and their scams or unprofessional representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.

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 2018-05-04
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: Old information reappears or never goes away

Complaint:
I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, Equifax and XXXX ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and  associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605.  Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, Equifax and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

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 2018-02-20
Company: EQUIFAX, INC.
State: FL
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:
I have inquiries on my credit report that I did not authorized. I also do not have a account with any of the following companies below. 

XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/18 refund of XXXX was issue never posted on my acct. Merchant show a refund of this amt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX I have a credit report that states addresses I lived in and a more then a few phone number that are not mine. A freeze on my account and I cant not get it to it due to someone else 's phone number on account do not match my info I need it fixs and to find out who it is so I can get back to normal. I would like you to find out who it is and take any action. Thank you for you time. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX or XXXX 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 2015-03-25
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Nationstar Mortgage- Loan # XXXX I ) My account representative is n't very reachable. I have called and emailed several times without receiving a timely response. 

II ) I have been asking to fill out the mortgage application two times and there is n't a clear log of the information that I sent in. 

III ) The review process is n't complete and the list of open items keeps on changing from week to week. I ca n't get a final list of missing documents. 

a. I was told on XXXX XXXX that they need XXXX more documents to complete the loan process I sent them in on the same day. 
b. On XXXX XXXX - I was told that the reviewers are still missing XXXX difference documents - I emailed the information on XX/XX/XXXX. The review process still wasnt final c. On XX/XX/XXXX I received another request for XXXX different documents IV ) My reinstatement loan balance keeps on changing because of the delays above. I 'm seeing more legal fees assess to the account V ) While I 'm applying for a loan modification a Sheriff was sent to the property to give my tenant 20 days to vacate the property on XX/XX/2015 The load modification is being delayed while the lawyers are pushing forward the foreclose process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: MS
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:
XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to contact this company regarding three debts that showed up on my credit report. Its time someone said they would send me information. I have yet to receive information and its been over three months since I talk to the last representative. I need to find out more information about these debts, If they are in fact mind I would like to settle them. I am currently unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: World Acceptance Corporation
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
" Agent '' XXXX XXXX called me at work and threatened to seize all of my assets and remove money from my bank account and If i would not give out my bank information then I needed to retain an attorney, The decision needed to be made today that would impact my life and if I did n't act fast they he would make sure I would be bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 a checking account was opened in my name with TD Bank. I had recieved checks in the mail of which made me aware of this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed a fraudulent XXXX XXXX open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus XXXX  & Transunion. XXXX  has removed the account but XXXX  & transunion have not.

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 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I been having these problem initially started when I went to the store and made a transaction at a XXXX XXXX store XXXX XXXX in XXXX OR for XXXX, I didn't want to use my debit card, so I use my food stamps card. The store clerk said I was not charge to my account or card shortly after leaving the store I check my account the XXXX was debit from my account and there was a reverse fee for XXXX. The next day neither one of them was on my statement or was the money back in my account.

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 2018-09-24
Company: Snow and Sauerteig LLP
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX lost or misplaced my insurance information. Failed to contact my former insurance company and now wants to individually hold me responsible to pay money that I should not be responsible for. They were negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
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: Account information incorrect

Complaint:
TransUnion My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to XXXX XXXX TransUnion I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with TransUnion with the XXXX at this time is this a comeback on me for disputing them .I feel they play games with consumers

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 2017-08-01
Company: Stellar Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On   XXXX   XXXX   2017 I was notified by the Mortgage Company that Stellar Recovery just popped up on my Credit Report for   XXXX   XXXX  . I stated I was confused as I am a current customer. So contacted original Creditor   XXXX   XXXX   and took them a couple hours to find the account as it was over 2 years old. They found it and stated it was a final bill and told me the amount. I informed that I would pay right now and they took payment successfully. Received confirmation   XXXX   of   XXXX   2017 that it was paid from   XXXX   XXXX    Thank You for Your Payment Receipt. Contacted Stella of which Stella informed to send over the document. I did and I do not know whether they received it or not to this day. I contacted   XXXX   XXXX    to notify them that Stellar has not shown that I paid the bill. On   XXXX   XXXX   XXXX   I walked into   XXXX   XXXX   office and they printed off a Statement Balance Sheet of which I again sent email  XXXX  and they still did not get it. I once again reached out to   XXXX   XXXX   and they again confirmed the Account is paid and again stated they sent it to Stellar Recovery. Contacted Stellar Recovery   XXXX   XXXX   XXXX   2017 and they still had not received anything more over they refused to do anything about it. Very VERY Rude. So once again back to   XXXX   XXXX   of which was stated to me that they were sending a Cease and Assist Letter stating the Account is   XXXX   Balance and to remove me off their system by   XXXX     XXXX   XXXX   XXXX   2017. Contacted Stellar Recovery around  XXXX  and they stated they do n't have anything and they are not sending any letter even after a conference call   XXXX   XXXX  , myself, Stellar including the Store Manager for   XXXX   XXXX   as I was in their office again on speaker phone stating to Stellar Recovery that the Acct. was paid. And they are still refusing all forms of confirmation of payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: SYNCHRONY FINANCIAL
State: IL
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:
Noticed this on my XXXX XXXX and I dont recognize 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