BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: Credit Plus Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
When the government enacted the Cares Act with Covid I missed payments for federal student loans. I did receive notification of late payments, but believing that they were in error as the loans had all been put into a suspended state I ignored the letters. When I did follow up as to why I was still getting letters ( that I believed to be in error ) I was informed that the accounts could be brought up to date under disaster measures and then put into deferment. I accepted that resolution and then paid the accounts in full the following month. I am currently, working to refinance my home. My credit score has been devastated by this delinquency. A delinquency caused by a misunderstanding. The misunderstanding that occurred because XXXX did not well communicate that these loans did not qualify for protection during this unprecedented worldwide disaster. It is not uncommon to receive notifications in error from my student loan holders. There were wrong communications during XXXX XXXX and XXXX. Everything in the news and otherwise indicated that these loans were protected. I have contacted the XXXX XXXX and was offered a letter of good standing but not something that will remove the marks from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called Santander consumer USA about my account to ask about assistance due to the California Wildfires specifically the XXXX fire which was declared a Federal emergency. I advised them that fire caused a hardship because of loss of income. It states on their website to call them and ask for help. I advise them that I had been out of work for a few months and and had started working a about a month before the fire hit and caused my work to. I then advised them that I would make a double payment on XX/XX/XXXXto help bring my account current. I spoke with XXXX who submitted the request and advised it would have to be approved by upper management and would take about 24-48 hrs. This was onXX/XX/2018and I was told that a payment extension request would take care of 2 months of XX/XX/XXXXand XX/XX/XXXXor XX/XX/XXXX and XX/XX/XXXX. In about and hour the request was sent to my email stating that it was denied due to payment history. I gave them the reason why the account fell further behind due to a natural disaster. I would have been able to make the payment if I didn't miss two weeks of pay. I would have been able to make at least the XXXX.Either way I would have to make two payments of XXXX  each by XX/XX/XXXX. I also called in on Tuesday XX/XX/XXXXand was told my husband has to speak with them because he is the borrower on the account even though I am authorized to speak on the account and I have made decisions before. I was never told that the account was up for repossession in all of the times I have called no rep ever told me that. I also assured them that I would be able to make future payments on the account because I now have stable income coming in on a consistent basis. I am really trying to get some help the fires set me back about 2 weeks of pay and other expenses. I would really appreciate if someone could help set up some arrangement or help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX ; XXXX - XX/XX/XXXX and XXXXXXXX XXXX - XX/XX/XXXX. I demand the deletion of these inquiries from my TransUnion report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am about to go the 30 days late on my loan and I have made several attempts to ask the institution to honor deferred extension due to natural disaster but they somehow expect Me to pay them Before they can assist me with the extension whereas if I was able I would need no extension.. 

The destruction due to recent wildfires in California has impacted the lives of many of our account holders. If you have been personally affected and are interested in assistance with your Mercedes-Benz Financial Services account, please call us at XXXX. 

I am in XXXX California and we qualify for this help but they want us to pay to get the help and thats just not possible under these circumstances..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I signed up for automatic payment in XX/XX/XXXX for my Chase credit card. When I check my bank account onXX/XX/XXXX, I did not see the chase payment was deducted for theXX/XX/XXXX, which was due on XX/XX/. I immediately called them to make the payment over the phone onXX/XX/XXXX. A few weeks later, when received my chase statement I saw that they charged me {$25.00} late fee and interest. I called them on XX/XX/XXXXto ask for the waiver of the late fee. The Rep refused. I asked to be transferred to a supervisor. The supervisor refused also. They said my automatic payment form must have gotten lost in the mail they will send me a new but they will not refund the fee since it was my fault that I did not make the payment on XX/XX/. I should have followed them to confirm that my automatic payment was set up. When I pointed out that payment was made onXX/XX/XXXX, the supervisor said, " late is late by 1 minute or 2 days in your case '' She refused to help. When I asked to escalate my case to the next level she gave an address to write a letter and mail it. It is a matter of principle for me, I do not want to pay the {$25.00} late and take a hit on my credit for their lack of process. Please help me reverse the late fee, interest charge and hit on my credit for late payment. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23
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:
XXXX XXXX Credit Card there is no balance or money owed

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: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/18 I paid XXXX in full for my student loans. XXXX refuses to report or update Experian that I paid my student loans in full. XXXX still reports that I haven't paid my student loans in full and Experian continues to display the outdated information in my credit file for profit. I disputed the information but I never got a decision from Experian and now Experian refuses to let me dispute anything in my credit file. Also Experian never sent me a " frivolous dispute '' notice. Presently when I contact Experian the Reps hang up in my face preventing me from disputing or asking for my credit report.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had a consumer loan for a XXXX XXXX XXXX. on or about XX/XX/XXXX I sold the car and its still showing up on my credit that I have the account and I do 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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I got several issues going on with Transunion, My scores went down dramatically for NO REASON- I was added as an authorized user to my moms credit card, 2 XXXX XXXX XXXX XXXX credit card in which she has good history, never late, etc, instead of my credit increasing AT ALL!!! it keeps going down daily, and i don't know why! I need my scores to be updated right away! 

Also, there are several inquiries in my credit report that I did not authorized and I am SURE this is due to some data breach, and I am going to file a lawsuit if this is not resolved right away!! I do not want to receive a response stating the inquiries are valid because they are not, I am 100 % sure this is due to a data breach or something transunion is doing wrong. I need inquiries to be deleted right away! 
The inquiries in question are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-10-17
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I paid National Credit Adjusters {$400.00} to settle the debt of {$480.00} from a closed Total Visa credit card. The original debt from the creditor was {$400.00} and it was bought by NCA. They never mailed me a notification of the debt to dispute accuracy or settle. I saw it on my  credit report on XX/XX/2020 and it said that the debt was from XX/XX/2020. I called them on XXXX and XXXX within their business hours and they were not available as the after hours message was turned on. 

After settling the debt, they advised that they would be sending a letter to credit reporting agencies to remove the debt as paid in full. Instead they reported the collections again as {$87.00}. This was settled yet they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, 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 have been in XXXX  and I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received an email from Navient on XX/XX/2020 saying that there is a payment due on my student loans which there shouldn't have been because I am on an income based repayment plan which is {$0.00} due to my income. I called them and spoke with a customer service representative and asked her why it was showing charges when I am on that plan. She said that those fees are being added now for interest from a few years ago. I don't know how that is possible when I was already been charged interest then and it was applied to my loan balance already. I believe that since XX/XX/2020 until XXXX there are not supposed to be any interest charged due to what was signed into office over covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received a bill on XX/XX/2017 from " XXXX XXXX '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with 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 explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a detailed letter on what is wrong on my credit report and the credit bueraus are ignoring my request and nothing is getting done. I aslo do not want you the CFPB to deny my request and tell me I can't dispute this another time. I have the right to do so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Marlette Funding, LLC
State: NV
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:
I notified Best Egg of their violation of my consumer rights and requested that they correct their improper reporting of my account with them. They sent me a response informing me of their refusal to comply with consumer law and in their letter to me, they claim that their written agreements and policies shall remain enforced regardless of what my rights are or what the law says. 

They are in direct violation of FCRA 15USC 1681a 2Ai and 5. 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They offered me a payment program on Monday where I would have 3 months of reduced payments and reduced interest I needed to call back with a debit card. When I called back they said they couldnt do it and instead made my only option to use my remaining forebearance to get up to date. 

This constitutes falsely stealing me to use my forebearance instead of offering me a reduced payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney This original creditor was XXXX XXXX during XXXX of XXXX. I was in automobile accident and was treated at XXXX XXXX  recommended by my attorneys. XXXX XXXX  had been paid in totality after the settlement of the accident and we were in communications with them prior to them selling the account to Amcol Systems. I do not owe anything to XXXX XXXX  and or Amcol Systems and their negative presence on my credit report is negatively affecting how I am viewed to lenders and my score. I am asking that they be removed from my credit report all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Nelnet, Inc.
State: PA
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:
Greetings, I have initiated multiple disputes with NELNET for incorrectly reported late payments on the NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & XXXX credit reports. XXXX, XXXX XXXX & XXXX  should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to NELNET, XXXX, XXXX XXXX & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The NELNET account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to RS clark and Associate for information about the account that they say I owe for a contract or information where I opened the account. However they never contact me back. I have never had an account nor contract with this company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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