BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In investigation completed by Equifax on : XXXX. Equifax stated that it had '' Verified '' this disputed record on my consumer report. On each of the investigations, Equifax stated that it contacted the furnisher " XXXX XXXX  XXXX, Unknown '' at address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Ph : XXXX ''. This information is inaccurate as per the attached letter from the XXXX XXXX  XXXX. The correct address is " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Ph : XXXX ''. In accordance with FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. The CRA is obligated to verify the accuracy of disputed accounts with the furnisher. Equifax has violated this. I have also provided Equifax with a letter from XXXX XXXX ( Public Record Vendor ) who has confirmed and provided a report showing that they have deleted this record and therefore Equifax is unable to use this vendor in it's defense. I have not given Equifax permission to use my " Personal Information '' to obtain or report to my consumer report, which violates 15 U.S. Code 1681b ( 2 ) which requires written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX Account # XXXX, # XXXX has violated my rights. 

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 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 2015-06-18
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They will not answer calls to discuss debt repayment options! I continuously call their customer service number, navigate the automated system, am put on hold, told I will speak with the next available assistant in order the call was received, then told by computer voice that there is heavy call volume and to call back at another time and then I am disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case FAIR COLLECTION AND OUTSOURCING is attempting to collect as XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer 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 2016-04-01
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My documents we submitted by the deadline noticed in the paperwork and my loan payment recertification was completed by the deadline provided. However, after I received my recertification letter my account was placed into forbearance without my permission and without being informed that such action was being taken in regards to my account. This was only discovered when I realized that I did not receive a statement for the month of XXXX. When I called Nelnet, they informed me that they were " doing me a favor. '' At this point I asked to speak to a supervisor because action was taken on my account without my consent. After much discussion with the supervisor I was informed that my account could only be taken out of forbearance after a payment was made. I immediately made the payment which should have been on the statement that was never sent to me. After informing the supervisor that I made the payment and I would like them to take my account out of forbearance and to not have the interest that was accumulated during this time to be capitalized to my loan amounts since this was done without my permission. Supervisor told me that she could not do this until after the payment posted which would be sometime the next week. I had to follow-up the next week with Nelnet and again ask that the forbearance be taken off my account as it was done without my permission and asked again that the interest during this time not be capitalized. This was finally sorted out and I received a letter afterward that my account was put in forbearance incorrectly! It took HOURS to get this all sorted because Nelnet put my account in forbearance without my permission and without notifying me that they were doing so. This is extremely wrong and they should not be allowed to change someone 's account status without their permission and especially without notifying them of the action they are taking. Also, for the record, I had not missed a payment or done anything which would have justified them in believing that I would n't be able to make my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
my capital one card were used with out me knowing in the amount of XXXX $ on one card and XXXX $ one on the other card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with BB & T ( Now Truist ) for many months regarding a forbearance and deferment. After being harassed with frequent calls regarding the status of our loan and receiving miss information I filed a complaint against them regarding their handling of our forbearance and deferment paperwork. 

Currently, I have been trying to cancel our escrow account as I have lost complete trust in Truist 's ability to manage any mortgage or escrow account. Truist has repeatedly shown that they can not handle an account with efficacy and professionalism. I have to wait on hold for hours at times being passed back and forth between departments that each give me different information and are unable to answer simple questions regarding my loan and/or escrow. 

Today ( XX/XX/XXXX ) I spent 2 hours on the phone with Truist just to simply find out the status of my escrow account. Several weeks ago I submitted a request to cancel my escrow account, I explained that I would be paying the taxes and insurance myself. I was told that the request would take up to 10 days to process and that we'd receive a letter in the mail with information regarding the cancelation. As I have not received anything from Truist to date, I called them today in order to figure out the status of our escrow and what our new payment would be without the escrow ( before filling out a check and mailing the mortgage payment ). I have spoken with three department 's only to have the third department ( Lost Mitigation want to redirect me back to the previous department ). 

I have no confidence in Truist to be honest, efficient, and/or competent ( with my account or my time ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2016-08-18
Company: Receivables Performance Management, LLC
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My initial complaint is with XXXX XXXX and their relentless tactics to scam money out of consumers. XX/XX/XXXX, I had a contract with XXXX and during their months long data outage for the Side-Kick phone, I called customer service to cancel my contract due to the service I was paying for at the time not being provided. XXXX canceled my contract WITHOUT fee due to this issue and I switched to XXXX. Years later I was slapped with a collections notice with no bill or notification whatsoever from the initial creditor. Last year, I disputed this collections claim with XXXX credit reporting agency and the charge was dropped. Now another collection agency has picked up this charge except changed the date to reflect a more current balance, which is XXXX violations against the FCRA and FDCPA. They alleged that my first date of delinquency was XXXX XXXX ... .however I had not been a XXXX customer since their data outage in XX/XX/XXXX. I was living abroad during XX/XX/XXXX-XX/XX/XXXX and during this time was a consumer of foreign mobile subscribers so to claim I had an active XXXX account in good standing prior to XX/XX/XXXX is a complete fabrication. They have not been able to furnish any billing or invoice information to attest to their presumed debt which is why at this point I am fairly within my rights to sue both XXXX XXXX and the debt collection agency for selling/buying this erroneous debt years after the account was closed, reporting negative credit information passed the statute of limitations, as well as for falsifying dates of delinquency to allege that this is a legitimate debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX Account # XXXX The account has been disputed twice and Transunion has stated that the account has been validated. However, the account status has not been updated since XX/XX/2017.

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 2022-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me multiple times a week and during work hours, I have asked them to not call during work hours and they still continue to. 

They called me at XXXX XX/XX/22 I asked them to send written conformation of the debt they said they have sent them. 
I have not received them. 
They said something about sueing but the call was spotty so it was breaking up. 
The caller then got very defensive with me when I asked them to send another written conformation. She continued to say that they have and I asked them to send it again and then I was hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ; XXXXXXXX XXXX # XXXX, has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Dear Sirs, I appreciate your attention with this matter. It has to do with a computer my daughter and I purchased from XXXX. It was found to be a three year old used computer so we immediately sent it back. They kept the computer and never refunded our money of {$330.00} After many hours of being on hold with several unsuccessful attempts to speak with a XXXX representative, we finally wrote them inquiring about the refund. They responded with a simple statement that they have now closed my XXXX account. They have given no further communication. 
We then notified Chase Dispute Department. Chase eventually denied our request. XXXX had stated they never received back the computer. Upon calling the Dispute Department as to why it was denied the representative stated our case seemed valid and suggested we reapply with a another dispute request and attach the tracking proof. This we did providing even the name of the employee who signed for it ( See Attachment ). Yet this dispute was also eventually denied. Upon calling the Dispute Department once again, as to why it was denied, this representative also felt that XXXX wronged us and suggested we again send in a dispute request. This we did and it again was eventually denied. A Chase representative, XXXX, wrote to us with this statement, " The results of my review confirm that the transaction is valid '' She continued, " Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' This is why we are requesting the help of CFPB. 
-XXXX clearly misrepresented there product. 
-XXXX clearly stonewalled any communication that would enable the matter to be resolved. 
-XXXX mislead Chase into believing they never received the computer. 
-XXXX has our money and we have no computer. Yet XXXX states " the transaction is valid ''. 
How is this a valid transaction? 
In the 7 years that XXXX is listed with the XXXX they have almost 3,000 formal complaints against them. Many of these complaints speak of the fraudulent misrepresentation of their products. The vast majority reflect XXXX almost complete disregard to correct any of its errors committed against their clients. Of the 22 years my wife and I have been with Chase we believed you to be a force to help protect us from fraudulent practices. We have directed our young daughter whose account is listed here to believe the same way. Please help us! Please get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
There was an eviction put on my credit account in XXXX, at the time I did not own an apartment. I was not aware of any debt until pulling my credit report. I tried resolving the issue on many equations by mail. In XXXX I was able to get the account removed from my credit, only to enter the year of XXXX with the same debt being put back on to my report from a collection agency who bought them out. Ive tried to dispute this account on many attempt.Ive spoke to all credit bureau, and this collection agency regarding identity theft. I have not received anything via mail as I requested. With this being on my credit it is making it very hard for me to find a home for myself and my child. It has put me into XXXX, and they are not showing any compassion of trying to get the issue resolved. Instead they are harming my credit by constant updating it every month, which goes against FCRA ( Fair Credit Reporting ACT )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Roughly three months ago I started the process of refinancing with XXXX XXXX. After the process, I was getting ready to close with XXXX XXXX and the underwriter requested the last 12 months payment history being reported on time. Upon requesting this information, XXXX from XXXX XXXX and I noticed my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( that were paid on time ) according to loan modification papers and payment history ( which is attached below ) are being reported for paying XX/XX/XXXX which is the beginning for my loan forbearance/ modification. Modification paperwork that I have agreed to had my payments resuming as of XX/XX/XXXX. My refinancing is all set pending I receive payment history reporting correctly or a letter on company letterhead stating those payments are for the correct months and have been on time, not thirty days late, for the last twelve months. 

XXXX ( XXXX XXXX XXXX XXXX ) and I have made several attempts by calling, emailing, and faxing, multiple times each way and have got the run around for the last month and a half. We have talked to many supervisors that have stated that the problem will be fixed. As of XX/XX/XXXX, XXXX and I haven't gotten any results or resolution to this matter. My refinancing time before having to re-apply and start this process again from the beginning is running out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

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

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