BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX. I purchase a XXXX XXXX XXXX from a local Georgia dealer. Chrysler Capital financed the purchase. My business finances took a sharp nose dive which in turn affected how and when I could pay my bills. XXXX XXXX, the vehicle was repoed with Chrysler Capital selling the vehicle for approximately 19,000 give or take which left a balance of XXXX. Fast forward to XXXX when an inside collection agency within Chrysler Capital sent me a collection notice for XXXX. I contacted and use an attorney to deal with the matter. Attorney sued and won a judgment against XXXX XXXX. Chrysler Capital and their collection agency should have stopped their collection attempts. Instead Chrysler Capital has added this fictitious balance to my credit reports as of two weeks ago. They are in totally violate the FCC rules and regulations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments may have been misapplied. The particular lates referred to are : Late Payments Being Reported : 180 days past due as of XXXX XXXX to XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX to XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of 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 2022-09-08
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: Account status incorrect

Complaint:
The following information is being reported by XXXX XXXX, Equifax, XXXX, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and the XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act XXXX. 

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$420.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$470.00} {$0.00} {$470.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$420.00} {$420.00} {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: GA
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:
All of the inquiries listed below are fraudulent and reporting illegally on my Equifax credit report and also Ive included a identity theft report. 


EQUIFAX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The Tradelines XXXX XXXX XXXX are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The Tradelines XXXX XXXX XXXX  are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.

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 2018-04-24
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:
To whom it may concern ; I have been a victim of identity theft for quite some time now and continue to struggle with some information that is still continuing to report as mine. Additionally, I have been contacted by XXXX on two occasions over the past 6 months letting me know that they suspected a breach of my identity this past Fall during their security breach. While I have had some success in removing and editing accounts, inquiries, collections etc., I continue to try and have these items removed to no avail. My understanding is that these individual creditors reporting to Experian must prove that these accounts are mine and yet I continue to be amazed that apparently anyone can say anything and it more or less stick to an innocent person 's credit file. I have challenged both Experian and the individual creditors that report to Experian to better verify to no avail. 

This more or less all started in XX/XX/XXXX and some continue even today. Additionally, I even had a collection account to which Experian already removed pop back up just this week. ( XXXX XXXX XXXX, balance {$9400.00}, reported on XX/XX/XXXX ). 

A common theme that I have noticed are two factors ; I seem to have multiple inquiries and collections from apartment communities that are represented by XXXX XXXX and alike. Also, the majority of these Fraudulent accounts were opened in the summer -XX/XX/XXXX. 

Additionally, I have only lived at ( 2 ) addresses with leases to which I honored and subsequently concluded since XX/XX/XXXX to present day ; - XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XX/XX/XXXX to Current ) I will be attaching a copy of these driver 's licenses accordingly that reflect these aforementioned addresses. I have not applied nor have lived at any other addresses within in other states during these timeframes. 

My expectation is that Experian will due their due diligence in helping me to rectify and remove the accounts that I am disputing as Fraud and or Identity Theft. 

Thank you kindly for your continued help with these matters.

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 2022-09-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I reported an disputed transaction on mt Chase account, unrecognized charges, so one was with XXXX XXXX, they faulted on it, then gave the credit back to chase, I then go pull of the credit an then they reversal the credits back an now my account is in the negative XXXX, not only with chase but XXXX XXXX  is still wanted to collect on their balance of XXXX dollars that sent the credits back to chase based on consumer laws, something dont seem right to me, I reported to the chase executive office didn't receive much helped their. based 15 USC 1681 a/3 I have the right have accuracy on my account an including XXXX  XXXX USC i have obligations an other security on my account, The CFPB States something about permissible purposes, they didnt give no validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear madam/sir, I have tried multiple times to remedy this issue. I sent several emails and a letter last month, asking to resolve the account. I requested multiple times for them to write me back, but they never replied. I specifically told them that I did NOT want to speak on the phone, and that I awaited a letter or email in writing. They called and left a message, to which I responded again IN WRITIING in an effort to resolve this account once and for all. Again, I received no written response either via email or letter. 

I finally simply paid the FULL past due amount {$730.00} online ( I have screenshots of the account payment, and the draft can be viewed from my bank account statement ) : The account misreports that part of the loan is a charge off and the {$730.00} was sent to recovery. After my {$730.00} FULL payment, the company is reporting that the account is STILL delinquent ( after the account went to XXXX ). I have contacted all three credit reporting agencies and asked them to look into it. Each time, Mariner has reported to them that I still owe the {$730.00}, which I do not. The account is now XXXX. 

This is false information, and they refuse to update with correct information. Although my preference would be to simply delete the entire account from all my credit reports, as they are a filthy business. Even when the account was still open/active ( years ago ), they would harass and call me at work. They would leave messages threatening to put a lien on my home if I didnt pay ( which I believe it illegal ). Im tempted to ask my employer for the recordings, and will if it would help my case. 

This is absolutely the most loathsome and despicable company to work with. NO ONE deserves to be treated with these high interest predatory loans, and it should at the VERY least be required of them to report the loan accurately.

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 2017-06-20
Company: Comerica
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I receive SSI. On XXXX XXXX, I received it as usual. I paid bills that XXXX. I went to XXXX to purchase a few items in the evening and found that {$900.00} had been withdrawn from my Direct Express account in an " IVR transfer ''. No name of who took the money. I was shocked and panicky. I contacted Direct Express and they are investigating via their fraud department and issued me a new card. Also I have contacted an attorney. Mysteriously, the funds reappeared in my account the following week, XXXX XXXX to be exact under the heading " credit adjustment ''. The woman I spoke to in the fraud department stated that my funds would not be returned until after the investigation so where did the money come from? Any way you can assist me with this will be helpful as this money is crucial to my survival and I ca n't afford this to happen again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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 was recently affected by Equifax reporting wrong credit score is in the wrong account information on my consumer report. I recently received an adverse action for a consumer credit transaction. I am certain this information is why I didnt get approval for my consumer credit transaction and would like to submit a demand for removal, not an investigation dispute. Equifax violated my rights and privacy. I understand pursuing to 15 U.S.C 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Pursuing to 15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I did not give written consent for Equifax to furnish a consumer report on me. They are violating 15 U.S.C 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. .Equifax is choosing to ignore the law and violate my federal consumer rights. Equifax is in significant violation of 15 U.S.C chapter 94 Privacy - Subchapter 2 - FRAUDULENT ACCESS TO FINANCIAL INFORMATION ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Seterus, Inc.
State: IA
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:
Seterus has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, Serterus has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. Seterus refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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 belongs to someone else

Complaint:
I've sent several letters out to XXXX XXXX Bank regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?

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 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from   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 2017-06-15
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I never signed an agreement with this company and when I tried to settle the debt, the collector did not negotiate a price I could afford monthly! She told me I had to make an upfront payment to be able to schedule an affordable payment on  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  XXXX  XXXX account # XXXX XXXX  XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested to get my credit file pursuant to 15 USC 1681a ( a ) ( g ) in 2021 and i still have not received 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
Consumer complaint received 2019-08-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient claims that they are " here to help. '' However, with the extensive cost and stress of a XXXX XXXX XXXX daughter battling XXXX, Navient refuses to work with me on making my payments affordable, or temporarily delaying them. 
I want to make good on my debt, but I can not afford the $ XXXXmonth that they are demanding. They only take into account your income, and not your daily living expenses and other bills. I went through Federal Aid to revise my XXXX, and XXXX came up with a payment of $ XXXXmonth, which is manageable! Unfortunately, for some unknown reason, Navient declined the revision and still demand the $ XXXX/month. 
I will gladly begin repayment at $ XXXX/month, and have literally BEGGED Navient to make my payments affordable, but they would rather see me go into default than payback my loans. Instead of considering each individuals ' unique circumstances, Navient simply sends the same standard template responses ( to my DOZENS of emails ) and refuses to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Merchants' Credit Guide Company
State: IL
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:
On XX/XX/2022 I was alerted by XXXX, XXXX, and XXXX that Merchants Credits Guide put a {$270.00} Grid C collection on my credit report. This collection account is unknown to me. I've sent verification letters to Merchants Credit Guide asking them to verify with competent evidence that I have any legal obligation to pay them. I requested the following : What the money they say I owe is for, to explain and show me how they calculated what they say I owe, to provide me with copies of any papers that show I agreed to pay what they say I owe, to provide a verification or copy of any judgment if applicable, to identify the original creditor, to prove the Statute of Limitations has not expired on this account, to show me that they are licensed to collect in my state, and to provide me with their license numbers and Registered Agent or Agent of Service. 

By law, they can not " certify '' to the bureaus that any of their information is correct until they provide me with the requested proof. I explained that during my dispute with XXXX, and XXXX dismissed by dispute and stated " the company has certified that this information is correct. '' Additionally, consumer law 15 U.S CODE 1861 ( b ) : PERMISSIBLE PURPOSE OF CONSUMER CREDIT is being violated by the company and by XXXX because they did not get my permission to report on my consumer credit. I demand that it be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation