BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported several inaccuracies and possible fraudulent activity to the credit bureau with no resolution. I have provided evidence and other investigations that have proven validity to my assertions. The resolution is to delete the inaccuracies immediately and follow the law. This is the third investigation on this particular specific situation. They leave me no option than to follow up with an attorney if not immediately resolved. They have caused many burdens and hardships due to their negligent innactions. 

XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a debt to XXXX XXXX credit card. The debt was sold to an organization called Portfolio Recovery Associates, LLC. I have  been making XXXX dollar payments each two weeks however the organization continues to call me at least two times per week trying to collect the debt. I have received calls from XXXX XXXX XXXX, XXXX ga, XXXX Fl and other unknown locations and it is always the same collection agency. I explain to them I have been making payments and they can stop calling me if I am paying them every two weeks to resolve, but they continue to call. I wrote the customer service dept of this agency and requested they stop calling, still they continue to call. Each time I speak to them the say " yes I see you are making payments, but you have no set payment schedule on file which will stop us calling you. '' I do not feel I should have to put any information on file with them. I do not feel I need to make any type of agreement if I am paying the account. I do not feel I should be called numerous times when I am making payments. This is harassment. I especially feel uncomfortable providing any information with callers from numerous states. I have received callsXXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX in 2017. This is ridiculous please make them stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: Experian Information Solutions 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 and XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX Bankruptcy XXXX XXXX-dismissed, Account XXXX, have 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 an 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 explanation
Consumer complaint received 2022-10-07
Company: Veros Credit, LLC
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 recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION.

15 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe the information is inaccurate.

15 USC 1681s-2 SECTION B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay 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 HAVE 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. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Great American Finance Co
State: NE
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:
Great American XXXX XXXX ( XXXX ) sent consumer a settlement offer to remedy account # : XXXX in the amount of {$1400.00}. Consumer used a credit card to pay the amount of {$1400.00} on or before XXXX XXXX 2016. Consumer was promised that if payment was received by that date Great American XXXX XXXX would report to all XXXX major credit bureaus the payment and remedy consumers account. Consumer sent payment by credit card ( confirmation number : XXXX ) and continues to receive past due statements requesting payments in the amount of {$84.00} for the account referencing # : XXXX. Consumer wants the account credited the amount promised and closed as promised by Great American XXXX XXXX ( XXXX ). Consumer has paper documents to verify the interaction and will mail those documents to the Illinois Attorney General 's Consumer Protection Division of XXXX office and cite fraud and extortion as there are numerous complaints online to verify this type of fraudulent behavior from many consumers who have interacted with Great American XXXX XXXX Consumer wants Great American XXXX to either return the money of notify the XXXX major credit bureaus that the debt has been satisfied and is no longer viable as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac failed to pay my property taxes. 
They were notified the day I found out on or around XX/XX/XXXX. The taxes were due on XX/XX/XXXX. 

I was forced to pay the taxes myself because I could not get them to pay despite repeated phone calls. Including interest. 

They assured me that they would refund the money that they were supposed to pay the state/county. I gave them some time and leeway and they have failed to return the money. 

I currently have an excess amount in escrow - almost $ XXXX and they have failed to return it to me in a timely manner. 

I feel like their actions are a violation of law and I am submitting my complaint for this reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
" Hi this is a import message for _______ _________ this is not a solicitation call it important for you to please take a moment today and return my call toll free at XXXX. We are available from XXXX XXXX to XXXX pm eastern time Monday - Friday. I do look forward to speaking with you and I appreciate you're time and my name is XXXX, have a great day. '' This is a recording that was left on my office voicemail on XX/XX/2021 @ XXXX XXXX in the morning central time. I was told that creditors could not call you're employer unless they have a lawsuit pending with you. This came from DISCOVER CREDIT CARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My son was readily provided with numerous school loans from XXXX in XXXX. I cosigned a loan for him six years ago. When he was unable to afford all of the monthly balances, I stepped in to help several years ago. I made a large payment believing the loan was almost satisfied. It has taken me two years to get answers, loan paperwork and exact balances. In the past two years, after countless phone calls and letters from my end, interest capitalized. I requested an ombudsman this XXXX but was actually connected to a Navient employee. My concerns are lack of explanation to my son when borrowing all of this money, lack of communication to me as the cosigner over the past several years, and incorrect statements by Navient. One example of this was a recent conversation with a " top '' loan administrator who insisted that I should have known about increasing interest penalties due to monthly statements. I have never received statements and was told on several phone conversations that as the cosigner I had no right to specific information. As it turns out, they did not have my address correct. Statements were never received by me. I corrected my address with Navient in XXXX of this year, and have yet to receive any statements on this account. In order to reduce the extremely high interest rate, I borrowed as much money as I could three months ago to pay down the loan. I have a small balance left to Navient, and still can not get statements. I have also tried several times unsuccessfully to pay online these past two months. The insistence that I should have known all along what was incurring is incorrect as statements were not received by me. The address they had on file this summer was not even an address I recognized. I was also told repeatedly over the past four years by phone that I was not allowed to get specific information, which I believe as a cosigner is also incorrect. Interestingly, I recently heard an interview on XXXX by a young woman stating that she was offered and given numerous loans from The XXXX XXXX XXXX XXXX XXXX, XXXX, without a clear understanding of how much debt she was actually incurring. These young people are getting themselves turned upside down financially unknowingly before they even have the opportunity to make an income. My frustration is the way Navient mishandled communication and has cost me thousands of extra dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-04-10
Company: VELO LAW OFFICE
State: MI
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:
Velo Law XXXX XXXX XXXX XXXX XXXX they reported to my credit report for {$1100.00} at one time they kept hitting my price up and down up and down then I got in contact with them about that while they're raising the price up and down on the collection which was very unfair to me with messing up my credit report and it was very rude here 's the account number that's on my credit report AN # XXXX case number XXXX t this company is violating my rights please help me thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are XXXX inquiries on my report, XXXX from XXXX XXXX, which should be coming off this month and XXXX from XXXX XXXX, which I did not authorize? That too should be coming off soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: MO
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:
{$540.00} XXXX XXXX XXXX, I have no idea of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There's is an amount on my credit report stating that I owe XXXX about {$3800.00} from sometime in 2019. I've NEVER EVER had an XXXX  account. I DO NOT have any accounts that I owe in that amount. I don't know what part of the information to say is wrong or incorrect because it's all wrong or simply not me. 
I do not owe anyone this amount. 
I never had a XXXX account. 
I did not open an account around this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: AL
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 accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They have violated my rights.

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- no consumer reporting agency may make any consumer report containing any of the following items of information -- -Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) -- A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-14
Company: Experian Information Solutions 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:
XXXX needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since XXXX replies on this website they should provide proof on this website of how a fictitious debt was verified especially when XXXX along with XXXX and Experian had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that XXXX and XXXX XXXX XXXX which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have account from XXXX XXXX XXXX listed on my account, which states opened XX/XX/XXXX and now it shows opened XX/XX/XXXX for amount XXXX and it has been more then 10 years and this item is old to be removed. I do not have a vehicle financed with XXXX XXXX XXXX. This item was previously removed off my credit history. This needs to be removed ASAP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I first started having issues making payments, I was told I should get a forbearance but only if I paid a {$150.00} fee. That {$150.00} fee was a processing fee that {$0.00} of went towards my loan. There was a petition and protest about this a few years ago and they finally stopped doing that but I was forced to pay that {$150.00} fee a number of times before they ended that practice. Whenever I called to talk about figuring out a payment plan or lowering my payment, they were very unhelpful and I usually ended up in tears. It was never an issue of them honestly not being able to lower my payment, they just wanted me to pay more. I was asked by a number of reps if I could get money from family or work a XXXX job and even told that I was being irresponsible by not being able to afford the monthly payment. I am no longer under their thumb as my husband and I sold our house and the first thing we did was settle on our loans so we would n't have to be harassed by XXXX/Navient anymore. My husband and I each had cosigners on a couple of our loans. My mother and father were each cosigner on a few of mine and they were harassed repeatedly by XXXX XXXX. I asked them to stop calling them and they told me I had to send a letter in to them by mail to request that. I did so and found out later that they continued to harass my parents. When I contacted XXXX XXXX to ask why my request was not being followed I was told that they received my letter and had it in their system but they did n't have to follow it because I had not hand signed it ( which I believe I did do ). I have a brother-in-law who lives in XXXX and is fairly well known there. Someone from XXXX XXXX called his house and talked to his wife asking about my loans. When I called and asked what that was about they said they could n't get ahold of me so they wanted to get my attention. My husband 's grandparents were a cosigner on one of his XXXX XXXX loans as well. His grandmother passed away a few years ago and his grandfather remarried. His grandfather had moved to XXXX and was in XXXX and they were calling his wife 's house and sending letters to harass her. After he died they even tried going after his estate. XXXX XXXX is the most despicable entity I 've ever encountered.

Company response to consumer: Closed with explanation