BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a  XX/XX/XXXX   XXXX   XXXX   with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the   XXXX   XXXX   in for  XXXX    XXXX   XXXX   on  XX/XX/XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car (  XXXX   XXXX  )  XXXX  Initially there wer e two 30 day lates, one re ported on  XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  one  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX  so how can we have a 30 day late on our credit report for  XX/XX/XXXX  &  XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XX/XX/XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the 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 explanation
Consumer complaint received 2021-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the CREDITORS regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2019-12-12
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:
I mailed a letter requesting for XXXX to validate the debt they are reporting as a charge off and they have not replied to my mail..

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 2017-06-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My daughter ( XXXX XXXX ) passed on XXXX XXXX, 2017. She had a checking account at a Chase Bank where her stepfather ( XXXX XXXX XXXX ) is the manager. XXXX XXXX stated on her Death Certificte that he is the " father '' ( under the box that requests the Informant to state the realtionship with the deceased. Right after XXXX 's death, XXXX XXXX proceeded to close the account withuot notifying me, but under the mother 's blessing. I have contacted Chase, and informed them of the situation, but they said that they will not get back to me with this matter. I tried contacting XXXX XXXX and his wife, but they do not answer my calls. I know I have to go to surrogate court to obtain the information on the account. I still believe XXXX XXXX should not be alloweed to close accounts when he has personal interests in them. The fact that he stated on the Death Certificate a lie is a major red flag, and he used this to close the account scott-free. Banks are founded on trust, and this man is not trustworthy. He should not be commissioned to manage people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a XX/XX/XXXX     XXXX   XXXX    with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on   XX/XX/XXXX   in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   )   XXXX  In itially there were two 30 day lates, one reported on    XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only  removed one 3 0 day late which was the  XX/XX/XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  Sales  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on   XX/XX/XXXX   so how can we have a 30 day late on our credit report for  XX/XX/XXXX & XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the   XX/XX/XXXX   late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX JEFFERSON CAPITAL SY is saying i owe them dept but it is identity theft {$810.00} account was opened XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw 2 medical bills from UNITED WE COLLECT INC for XXXX XXXX XXXX and XXXX  COUNTY FIRE RESCUE, totaling {$960.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX  with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent  XXXX and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by UNITED WE COLLECT INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out that the disputed accounts were still there, These accounts are as follow XXXX XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) these accounts are not mine and they are reporting on my XXXX and TransUnion credit report, I am now reaching out the CFPB, because I am just tired of this Bureau, I need these accounts off of 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 non-monetary relief
Consumer complaint received 2022-04-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient services my loan and has since 2007. They put me in a forebearance program for over two years, all while charging an exhorbitant interest rate. As I look at the recent settlement with Navient to forgive loans, it is very clear that my loan should be qualified for forgiveness. Navient will not give me an answer as to why my loan is excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1000.00} XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2021

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 2017-05-31
Company: Merchants Acceptance Corp
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:
On  XXXX  .13 I trie d to get a  XXXX  under my name but was not able to so they told me that I can use my boyfriend to see if we would qualify for one. At that time he was not home. He was at work but they insisted that is was ok. This application submitted was falsely submitted by the company 's rep. The sales person signed and had us all turn around to not look. And they told me that as a down payment they needed another vacuum cleaner of some sort and that they will return on Saturday to come by to pick it up. The next day I called them to let them know that I was not interested in purchasing the item anymore and since they were going to come by on Saturday to pick up the other vacuum they can just come by to pick up the  XXXX  instead. No one ever showed up to come pick up anything that weekend. I have made numerous attempts to contact  XXXX . All to no avail. The fictitious application and forged signatures do not bind me to any obligation with this company. Additionally, Merchants Acceptance is a 3rd party collection agency and has not provided any documentation to support that I truly and indeed owe them anything. Where are the original documents that bear my signature and prove that I signed a contract with Merchants Acceptance? I have never heard of this company nor have I ever did business with them. The  XXXX  sales team are frauds that practice fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent in a debt validation letter on XXXX They sent me a verification letter With my medical records and a list of my procedures. Which I know is a direct violation of HIPPA regulations. I never signed a form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just hate that BBBA COMPASS take so long to complete transactions to where it causes overdrafts. You can have the money in the account per what it says is available, twice I have had this problem. It takes forever to update your account and direct deposits. I have talked about thi s on three occasions and I removed my overdraft option. They are slow on updating the accounts and they need to update their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a XXXX XXXX XXXX with my brother ( co-applicant ) through XXXX in XXXX. We traded the XXXX XXXX in for XXXX XXXX XXXX on XX/XX/XXXX in My name only this time.That being said the XXXX XXXX was paid off through XXXX and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car ( XXXX XXXX ) . Initially there were two 30 day lates, one reported onXX/XX/XXXX and the other in XX/XX/XXXX. I was advised to dispute it by XXXX because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed one 30 day late which was the XX/XX/XXXX. When I called back in I was given a different story all together. I was advised that the final payoff amount that XXXX XXXX XXXX sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have XXXX XXXX of XXXX XXXX, MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called XXXX XXXX and spoke with my Sales person XXXX XXXX and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a XXXX XXXX @ XXXX XXXX who is over him. I called on several occasions and left several voicemail messages for a XXXX XXXX @ XXXX and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX so how can we have a 30 day late on our credit report for XX/XX/XXXX & XX/XX/XXXX and if that was truly the case why did they wait 6 months to report it? That 's why they removed the XX/XX/XXXX late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither XXXX or XXXX XXXX will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what XXXX 's response was or I really feel like they are n't even investigating the 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 explanation
Consumer complaint received 2021-11-17
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
Santander consumer is reporting XXXX days late on my credit report and has dropped my credit report tremendously and I was in a XXXX and explained to them what was going on. The account has been paid off they been agreed to change the information and want and its hurting my life tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Netspend Corporation
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Order # XXXX for $ XXXX policy is when the item ships they then take the money out of people 's bank accounts.Many times on many orders they told me it's just an " auth hold '' for the money but yet the money is ( debited ) gone from my account and I go check to see if the item is shipped and I am told the package has not has not been shipped yet and it takes several more days for the package to ship.I have asked many times for them to follow their own policy of removing the money only when the item ships, not " taking '' ( auth hold is still taking/debiting the money because lowers my balance ) the money.Because if it is only an " auth hold '' then they can not mark it as shipped or lower the balance of my bank account/debit card balance.Read XXXX  XXXX policy as well as checking the dates for removal/auth hold of my money and the shipping dates of the items for the proof of XXXX violating their own policies and paypal/netspend helping them do it due to lack of communication between eachother.I wanted to have this investigated immediately with my debit card company card paypal prepaid/netspend but they refused saying " This transaction is pending so we can't so anything until the transaction is completed '' delaying the reporting process.Either way it's up to paypal prepaid/netspend to verify if the package/items have been shipped before allowing funds to be held/removed from customers accounts.This is not the customer 's problem.This is between paypal prepaid/netspend and XXXX.They refuse to investigate and say that the dispute process is only for not receiving items or wrong amounts being charged on account.They don't care in the slightest about assisting companies in violating policy.They refuse to investigate.

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 2017-06-01
Company: SYNCHRONY FINANCIAL
State: MA
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:
On  XXXX   XXXX ,   XXXX   I send out a certified letter to SYNCHRONY Bank to validate the inquiry that was made to my credit report. I receive a letter from SYNCHRONY on  XXXX  stated that they was unable to provide me copy of the application based upon the paperless method used for submission but they record indicate that the inquiry was accurate. I am victim of Identify theft and someone has been use my name. I do n't know this company and do n't know what they are. and I am requested them to remove the inquire our of 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 non-monetary relief