BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 received my updated Credit Report and it is clear that the Credit Bureaus have neglected my requests. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX XXXX Owed : {$2500.00}

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 2017-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked on the website Equifax set up to determine whether or not my information was affected by the hack they recently disclosed. According to their website my information was impacted by the hack. I checked on XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I finance my car through bridgecrest. They continue to call before XXXX. I have told them several times I have relocated.I still recieve phone calls at XXXX .They also leave several voice mails a day.

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 2022-05-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, My name is XXXX XXXX and I submitted a credit dispute with Transunion and after 30 days they have failed to honor my request. Instead Transunion sent me the documentation after 30 days that they believe that this was not me when the dispute came from me with proof of identification documents and failed to open the dispute of items on my credit that are inaccurate and do not belong there. They have violated FCRA laws without processing my dispute and ignored my request with a invalid reason stating that it was not me.

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 2017-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am seeking a Deed in Lieu of Foreclosure. I began the process in XXXX XXXX, and all documents were submitted and accepted by the mortgage servicer. In late XXXX XXXX I was informed the request had been conditionally approved. For the past five months I have received letters from the servicer stating they are actively working on my account and I should have answer within fifteen business days. The letters usually arrived every three or four weeks. I received a letter from the servicer dated XXXX XXXX, XXXX stating my request for a Deed in Lieu of Foreclosure resolution was denied. I believe the servicer unnecessarily delayed a final decision until after the Home Affordable Foreclosure alternatives ended XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, Acct # XXXX, has violated my rights. 

XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

15 U.S, C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also States a costumer 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 2020-09-28
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
KIA NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.

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 2017-08-15
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is the complaint I sent after 3 months trying to resolve with Chase : Cardmember Services Chase CC XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I have been a Cardmember for years, paying thousands in interest into Chase,  and recently, back in XXXX, I paid my card off completely, trying to improve my credit score. I paid something over {$1700.00} at the time. {$0.00} balance. I had not been looking at statements for some time, mostly lazy. With a XXXX balance I noticed that I was being charged by two companies for nearly two years, roughly XXXX 2015 timeframe, after I closed my accounts with them ; XXXX and XXXX. Heck, Ive been married now for over a year and a half. I submitted an inquiry through your secure email system and was told I would not have to make any payments while disputed. A few weeks ago, I saw my credit score and it actually went up, and I had a late payment due on my Chase card. I am very surprised that such an organization is capable of such a thing. I just paid {$130.00} on my {$0.00} balance card so that Chase would not further damage my credit. That sounds kind of wrong doesnt it? Let me say that again : I paid {$130.00} on my {$0.00} balance card. Criminal in my mind. I am requesting the following : 1. reimbursement of the {$130.00} I just paid, which includes late fees and interest charged on a {$0.00} balance account, a practice I also consider criminal 2. discontinuance of any payments to XXXX or XXXX 3. I want letters sent to the three credit reporting agencies clearing this recent blemish created by Chase 4. I would like a letter of apology for the unnecessary grief caused by an uncaring mega bank I am a 25 year XXXX XXXX XXXX, and a veteran of XXXX tours to XXXX, and dont appreciate being treated this way. Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: NCB Management Services Inc.
State: TX
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 sent a letter to NCB on XX/XX/XXXX about an unknown account on my credit report in the total of {$2200.00} ( opened on XX/XX/XXXX ). I have no connection with this account of business and noted that verification was needed. Today, XX/XX/XXXX I've received a letter past 30 days of requesting verification that did not confirm any amount of money but was noted " this communication is from a debt collector ''. I am unaware of how they have my information and need this unknown business to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: NY
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:
This account is more than 7 years old and more than 7 years has passed since the account first went delinquent

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 2022-08-29
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}.

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 2018-03-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have about 7 loans with XXXX XXXX. Then Navient was created so I had 5 loans with Navient ( they said it was federal ) and 2 loans with XXXX XXXX ( which XXXX XXXX said its federal ). 
Around XX/XX/2017, I was literally drowning in the bills because XXXX XXXX will be taking money from my account and so will Navient. I was told by XXXX XXXX that Navient was federal so they could help me get better rates for my repayment. Navient said they were private loans and couldnt offer me anything. This went on for daysrude customer experience from different managers/supervisors. So at this point I was just consideration debt declined to just consolidate all of my loans. But a friend just told me to try Navient again. So I called one last time and someone tried to help me. Paying one fee until XXXX. However, they forgot to apply one of my loans so here I was paying the lowest rate in all 4 loans and on the other loan ( that was applied ) a double rate. Since I couldnt do that I had to use my last three forbearance. Another payment will come out in XXXX, their saying that I owe them more than the payment thats already being withdrawn from my account. I spoke to a different representative again a couple of days ago. They wanted to put me in a different program again but it wouldnt include all my loans. I am sick and tired of dealing with dishonest people. Navient has affected both my loans and my parents loans because of Dirty trickswhich just keep increasing my principal. I have no idea where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
submitted claim for Hardship Covid 19 company accepted and asked for settlement I complied and company has no record of payment but I do.

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX I received a letter from XXXX XXXX XXXX  that my credit card was approved. I never applied for a card from them and called their customer Service. I was told that I didn't have a credit card with them. XX/XX/XXXX I received a letter from XXXX that my payment was overdue ( on a card that I didn't have ). Then I received a bill including late charges. This is the first bill I ever received and it already had late charges. I wrote to their " fraud team '', disputed it with all 3 credit bureaus, and filed a police report. I sent the police report to all 3 credit bureaus and their " Fraud Team. They still claim that I own them now {$460.00} including interest. On XX/XX/XXXX they filed a judgment for the money they insist I owe them. On XX/XX/XXXX the judgment was " satisfied by the court ''. However, on XX/XX/XXXX they filed a derogatory alert on Transunion. My credit has been very good to excellent before this. I have in past consistantly paid my bills on time. I want them to stop harassing me and repair my credit rating. I have obtained an attorney.

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 2017-09-10
Company: EQUIFAX, INC.
State: LA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have filed for forbearance, and also tried to report that I am XXXX now. I now received a letter from a collection agency without any notice from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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:
Equifax was hacked and Equifax has indicated to me that my full name, social security number, credit card information, address, and other personal information was disclosed to unknown third parties, thus potentially endangering my financial health, personal identity, my family 's well-being, etc. 

I would like to pursue any and all actions against Equifax to remedy this situation as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services continues to contact me about a debt that I do not owe. According to their representatives, debt verification materials have been provided but I am questioning their legitimacy for several reasons including : a lack of personal identifying information on the documents, a listed address that I have never lived at, and an inability to produce an account holder 's agreement with my authorization or signature despite repeated requests. I have asked Resurgent Capital Services for additional substantiation repeatedly -- most recently as XX/XX/22 -- and in the words of a representative they, " do not have anything else on file. '' I am only being provided a topline account summary, which frankly, is meaningless because the debt in question does not belong to me and could be easily fabricated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ) on behalf of XXXX XXXX XXXX XXXX XXXX ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I sent validation letters to the following three Credit Reporting Agencies ( CRA ) : XXXX, XXXX and Transunion. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.

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 2016-07-26
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company, Lien Enforcement , Inc - Wrote a letter, as I will attach, threatening for me to pay a fine of XXXX for a fine for a towing company for a car I DO NOT OWN ANY LONGER. We have already been to the XXXX and filed our release of liability, last XXXX 2015 -We have called to confirm, and XXXX also advises we are not the owner. The company threatens to report me to debt collection, and when calling to notify them that we are no longer the owner and that we can provide release of liability, they inform us " it will do us no good. '' They need to do their work, and notify the correct owner of car, as XXXX can confirm that information for them. They are a SCAM company, trying to bully other owners into paying money they do not owe.

Company response to consumer: Closed with explanation