BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: OH
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:
Equifax is reporting an account on my tradelines by XXXX  XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with Equifax who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is my second attempt to NAVIENT. I have sent certified mail on XX/XX/2022 with returned receipt to NAVIENT for this alleged debt for the amount of {$11000.00}. I never received any correspondence via mail from NAVIENT. I never received verification of this alleged debt and full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please remove the following inquires that were NEVER AUTHORIZED by me XXXX XXXX : 1.XXXX  XXXX XX/XX/2022 2. XXXX  XXXX  XX/XX/2022 3. XXXX XX/XX/2022 4. XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XX/XX/2022 2022

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 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TRANUNION today has verified either knowingly or negligently a collection account as unpaid, in collection.XXXX, account no.XXXX was paid in full on XXXX/XXXX/16 from a transaction by phone on my XXXX checking account. 
we have records and proof.the furnisher and transunion are today legally liable in a civil action for financial damage according to FCRA. THEY ARE PREVENTING A SUCCESSFUL MORTGAGE, TIMELY TRANSACTION. 
THERE IS NO ALTERNATIVE TO DELETION OF THIS ACCOUNT.THEY NO LONGER HAVE 30 DAYS, THEY MUST DELETE IMMEDIATELY!

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 2020-03-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX Funds transferred via moneygram money in minutes reference : XXXX amount sent : XXXX USD+XXXX fee : total : XXXX USD / recipient to receive XXXX CND Receiver went to pick up the funds. Funds were unavailable new reference number provided on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX receiver called moneygram. Funds were still unavailable. Receiver provided with a complaint number : XXXX and promised on ( XX/XX/XXXX ) that funds would be available within 48 hours maximum. 

XX/XX/XXXX funds still unavailble receiver called money gram and ask to cancel the funds. Was told that sender ( me ) had to call for a cancellation or refund. 

XX/XX/XXXX I contacted moneygram and was told that a refund could not be issued that only the receiver could initiate that. 

XX/XX/XXXX receiver called moneygram and was told that only the sender could request a cancelleation XX/XX/XXXX : contacted moneygram, spoke with supervisor XXXX who informed me that only the receiver could request a cancellation. 

This is a critical time, I tried to send money to my son with the COVID 19 he has to be quarantine, lost his job on XX/XX/XXXX and has a XXXX XXXX XXXX XXXX XXXX. He needs the money now more than any other time in life. Moneygram has not resolve the problem and the money is still unavailable when the transaction was paid in full. He called Moneygram 9 times since XX/XX/XXXX and I called 3 times with excessive wait time on hold. I wish for the funds to be return to me so I can use a different method to send the funds. They are unwilling to do anything to solve the issue and quite frankly, I do not have the money to resend another XXXX cnd. I too lost my job and have absolutely no income. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I HAD BEEN CONTACTED BY XXXX XXXX  XXXX NOTIFYING ME OF AN ACCOUNT OPENED UNDER MY NAME SOCIAL AND INFORMATION. I STATED TO THEM THIS DEBT DIDNT BELONG TO ME THEY INSISTED I PAID. I ASKED THEM FOR PROOF VALIDATING DEBT THEY SENT ME STATEMENTS. I TOLD THEM THAT I NEED PROOF BEARING MY SIGNATURE WET INK. NEVER HEARD BACK FROM THEM THEN MIDLAND SEND ME A LETTER THROUGH XXXX STATING THEY WOULD SUE ME FOR THIS DEBT. THEY CALL ME OVER ONES A DAY AT DIFFERENT TIMES OF THE NIGHT. THEY'VE CONTACTED MY BOSS, AS WELL AS RELATIVES, TRYING TO SPEAK TO THEM ABOUT THIS FRAUDULENT TRANSACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT XXXX - {$87.00} XXXX. ACCT XXXX - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: AR
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:
Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX  XXXX XXXX {$4200.00} XXXX   XXXX {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Sent in supporting documents of arrests and police reports from XXXX Arkansas police department of XXXX suspects that were charged with XXXX counts each of felony identity theft and arrested awaiting trial and sentencing some time ago. I went to the Transunion website and saw the " investigation '' was completed but the reported felonious information was still there. There was no available options for me to view results only a screen that showed the investigation was completed. I called Transunion Friday XX/XX/XXXX and the representative that answered, after verifying my personal credit information, said that he could not give me any information on the completed dispute but I could log on to their website to view results. I 'm currently logged on today and getting an error message that says " online delivery of your dispute resolution is unavailable at this time. ". The representative said there was no confirmation number that could be given for the dispute but gave me what he called a file number. The number given by the representative was n't the same file number I got from their website when I was able to log in previously at Transunion.com website as my file number ( unless this number changes every year or post-dispute, etc ) and this number did nothing to aid me in any way. There are countless, misrepresented facts on my report with this agency. Erroneous names including a XXXX name that is n't at all mine or spelled like it, there are XXXX social security numbers and I only have XXXX and sent my signed social security card to show this, and accounts that span back beyond to XX/XX/XXXX for places and charges that are not my own. I was told I would receive a dispute resolution letter in the mail in 5 to 10 days. This was 3 weeks ago and received no letter to date. Furthermore, the fraud accounts and variations of my name and fraud addresses I sent for investigation more than once to be investigated are still appearing on credit report last I could see on the transunion.XXXX site as of Friday XX/XX/XXXX. It appears that this company does n't review any the information at all in investigations and frivilous in record keeping or even establishing the validity of information contain therein in investigations on a tool a creditor would use that is suppose to be a snapshot of who I would be as a consumer. It 's appalling and like being victimized twice!

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 2017-05-23
Company: EQUIFAX, INC.
State: MS
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 sent a dispute to  XXXX  and equfax in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
hi my name is XXXX XXXX i was on a joint account with XXXX XXXX and after selling my home it was on my credit report so i called and spke to experian asking why was it on there they told me it have to be on there until 2025 so i called my mortgage company asking why was it on my credit report they told me it shouldnt be on my credit report so after i spoke to them it still wasnt moved from my credit report so i am now reaching out to get house trying to purchase another home for me 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 2019-11-09
Company: TCF FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TCF IS REPORTING TO XXXX, AND NOW MUST BE DELETED MANUALLY BY BOTH PARTIES. LOAN NO.XXXX-XXXX. TCF MUST CONTACT XXXX  DIRECTLY IN ORDER TO UN SUPRESS MY CREDIT REPORT IN ORDER OF DELETION OF ALL TCF BANK ACCOUNGTS FROM CREDIT FILES ... SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Both me and my wife were laid off do to the Coronavirus outbreak and I called Citibank for days and waited on hold for hours to get a customer representative on the phone. Finally today after a wait of 1hr and 35 minutes on hold a customer representative answered the call. I explained our current situation to her and asked to have the credit card payment that is due on XX/XX/XXXX to be deferred, her answer was We dont have any type of guidelines in place right now to help you with a payment deferral, call back on your due date and see if have one then. Is just mind blowing that Citibank is not willing to help their customers in this time of great need. All the other major banks in the US and around the world have stepped up and are helping their customers but obviously not Citibank.

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: EQUIFAX, 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 repeatedly reported inaccurate, fraudulent, and unknown information that appears on my XXXX, Equifax, and XXXX credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm XXXX, Equifax, XXXX, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: FIRST HORIZON BANK
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital Bank held a business account. They took the funds and closed the account upon rebranding their bank name to Horizon. I never authorized my business account to be stolen from. Thanks for anything you can do to avoid fraud in the future. This is bank is a scam. I never authorized any funds to be withdrawn from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09
Company: ALLY FINANCIAL INC.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am well aware that I fell behind on my car payments and do not need someone to tell me repeatedly about the damage it does to my credit, etc ... I am an educated person and do not appreciate condescension. I explained to my car loan company that, as a freelancer, I had the worst XXXX of my career and fell behind on all my bills for 2 months. I told them now that I was working steadily again that I would make a large payment, and I complied with that. Then I told them that I knew I was falling behind again and owed some more, but that I would need until mid-May before I could bring myself, at last, completely up to date. They said they would notate that in their system and thanked me for making the arrangement. However, they have continually called me since that agreement was made, usually up to 4 times per day. I have even answered a few times, asked why they continue calling me, and they simply say it 's the automated system and they have every right to continue calling me. But 4 times a day? I think not. I especially think not when they have said to me that they do have my agreement in their notes. What do they think? That by calling me repeatedly I will suddenly have money for them? It is absolute harassment and it must stop. They are the only place that has continually called me after having made an agreement with me. All other places accepted their respected agreements and stopped calling me. And, thus, their agreements were fulfilled and they did not need to call me again. But Ally Financial must be stopped from performing this harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
According to my XXXX I previously had a XXXX account reporting on Trans Union Credit Bureau that was deleted. I just check my credit reports this morning and XXXX is reporting again. This seem to be a constant battle that consumers have to go through. It should be a law established that once a item is deleted it should remain off the credit bureau report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I received my annual credit report from XXXX. It has a credit inquiry from Chase Auto XXXX/XXXX/XXXX. I have not applied for any new credit from Chase since getting a vehicle financed through them in XX/XX/XXXX. It counted as a hard inquire. The inquire has cause damage to my credit score. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I submitted a debt validation request to Ad Astra Recovery on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that Ad Astra Recovery refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX Chrysler 200 the next day I called the dealership stating the problems I was having with the car on the way home. They could n't check the car for at least a week, long story short after XXXX dealship checkups and at least XXXX upgrades on the car I filed a lemon law case in XXXX 2014, I was told by Chase finance after I had made XXXX months of on time payments to stop making payments since a lemon Law case was filed. In XX/XX/XXXX I offered to surrender the car back to the dealership but Chase said " no '', but XX/XX/XXXX Chase came for the car. We are waiting to settle with XXXX since in arbitration the car was considered to be " yellow ''. I surrendered to the car to Chase it " was not repossessed ", however Chase wo n't remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: MS
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 sent a dispute to  XXXX  and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA

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