BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My credit score as of XXXX 2016 was XXXX. Today I find out it is XXXX. I am in the process of purchasing a home and this is causing a serious problem ( the low score disqualifies me from securing a construction loan ). I see that XXXX XXXX XXXX XXXX keeps submitting the car charge off ( I co-signed for XXXX of my children ). I need this adverse charge to REMAIN OFF my record. They have the car, WHAT ELSE do they want?

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 2015-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i obtained a copy of my credit report # XXXX from Experian. It shows XXXX hard credit inquiries ; XXXX of them I never requested or have any knowledge of the companies. Some of listed XXXX times for the same day, i.e. XXXX XXXX, XXXX XXXX, XXXX, XXXX 's, then another inquiry from them XXXX XXXX, XXXX. I did not apply to XXXX for credit. XXXX XXXX XXXX 's on XXXX XXXX, XXXX for XXXX XXXX XXXX. then for XXXX XXXX XXXX. I did apply with either XXXX of these companies. XXXX Bank inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, again. I did apply to or through a company associated with XXXX Bank. XXXX XXXX I have no idea who this co. is but I have no association with them. XXXX XXXX Bills on XXXX/XXXX/XXXX, never applied to them. Experian XXXX 's on XXXX/XXXX/XXXX, then again on XXXX/XXXX/XXXX. Why are they showing up XXXX times as a hard inquiry on my credit report, from them? This information is inaccurate, at best. Note : I previously had accounts with XXXX and XXXX but they were legally discharged under a XXXX bankruptcy shown on the credit report. I have not had any accounts with them since then and there is no legitimate reason to show active credit inquiries from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
In XX/XX/XXXX I had ID theft. Someone filed my taxes and received the funds. I have since found addresses, accounts and received mail that is not mine but, is in my social and date of breath. Information on car from XX/XX/XXXX till XX/XX/XXXX. I am sent a security pin to use for filing taxes now. It was verified by IRS.

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 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I have placed a fraud alert and freeze on all XXXX creditors. I will like to know if my personal information and credit inquiries are used by a third party to commit fraud. I have all these credit inquires and was not inform about any credits or gave my consent to any company to use my personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
XXXX refuses to remove an account that is completely inaccurate and will not show me evidence of the alleged accuracy. It is from XXXX XXXX and is approximately XXXX dollars. This is an account that was charged up to the secured amount originally of XXXX and never went over and should have been closed. It is now at over XXXX dollars they have charged interest on a " secured '' card that never went over the allowed amount and should have been closed. This is absolutely fraud. And they will not show evidence of charges from this account or why they are leaving it on my credit. They will not remove this fraudulent charged account.

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 2017-02-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX/XXXX/XXXX Dear CFPB, My name is XXXX XXXX and I am submitting a complaint towards Santander Bank, N.A. ( with regards to being the successor to Sovereign Bank [ XXXX based ] ). My father-in-law, XXXX XXXX, and I have had an XXXX accident a couple weeks back ( XXXX/XXXX/XXXX ) and are at the point with the insurance claims adjuster requiring the title for the vehicle. 

The original title, and current title shown in the XXXX XXXX website, show that there is a lien on the vehicle. The vehicle is a XXXX XXXX XXXX XXXX, purchased in XXXX from a XXXX dealer here in XXXX, and there was a 5 year loan placed on the vehicle ; which means that this vehicle 's loan was paid off sometime around XXXX ; 11 years ago. 

After speaking with XXXX title department, it is to my understanding ( as well as theirs ) that Santander Bank, N.A. is the sole successor to Sovereign Bank and that they alone *should* have records of all previously paid auto loans. The representatives I have spoken to at XXXX title department have stated in order to have the lien released from the title, Santander Bank, N.A. is supposed to create a letter stating : " Santander Bank, N.A. is not interested in the vehicle or it 's previous auto loan. The loan for this vehicle ( with VIN #, year, make and model described ) is satisfied, and that Santander Bank, N.A. is the successor to Sovereign bank. '' This written document by an official of Santander Bank, N.A. is supposed to be notarized or signed by the official creating the document, then mailed to the recipient in need of the document ; this can then be submitted to the XXXX in order to create a duplicate title without a lien/lienholder stated. 

I have since spoken with multiple representatives from Santander Bank, N.A. personal consumer department and auto loan department, and neither have helped me in any such way. I have been told that because there is no account with regards to my father-in-law or his mailing address, or vehicle ( searched by VIN # ), Santander Bank, N.A. will not issue a letter of " No Interest. '' Without help from Santander Bank, N.A. in this matter, I am at a complete loss. I urge the CFPB to please help me resolve this matter so that my father-in-law can rightfully buy-back and repair his own vehicle, and that the title ( for which my father-in-law is entitled to having this matter resolved ) is corrected and either showing no lien, or that the lean is satisfied. For the past two weeks, I have not been able to create any progress with this matter ; I am exhausted and running out of resources to resolve this matter. 

Again, please help me resolve this situation so we can all finally move forward. 

Thank you for your consideration and for you help, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been in the IBR repayment plan for probably a few years now. In XXXX of 2016, I reapplied and only received a response from Navient in XXXX, 2016 that my application was received. I did not receive any other correspondence from them until last week when I received a letter with a payment booklet stating that my payment would begin in XXXX in the amount of just under {$800.00} per month! I called to inquire about the status of my application and was told that my application was rejected because a " box was incorrectly filled out ''. Again, I never received any notification of this. I asked if I could amend the application and was told that I would need to reapply and that my account would likely go into default in the meantime. This has happened every single time that I have sent in any application to Navient. It either is not processed, lost, or claimed to have not been received. 
Additionally, I have previously requested ( I believe from XXXX XXXX - before the account was transferred to Navient ) verification of the debt, including all signed promissory notes, and a full accounting of original debts with all fees and interest detailed. I have never received that information. I would also like to add that I have been completely mislead about these loans from day 1. I was never explained anything about the interest rates, loan terms, repayment options or anything of the like. This trend throughout the life of this alleged debt has not changed. Supposedly, my initial borrowed amount was around {$22000.00}. It has now escalated to {$65000.00}! In previous years, during financial hardships, I was never offered any other option other than request forbearances and deferments. With that, I was not relayed that interest would accrue, or the rate at which it would. I found the IBR program on my own. It was never presented or offered to me. I was never informed that any interest would accrue while in the IBR plan. I sent an inquiry to Navient a week ago asking what I need to do to reapply, but ( as usual ) have not received a response. I am so furious and confused that the original ( alleged ) amount borrowed of $ XXXX has now escalated to over $ XXXX, which includes a recent addition of {$9000.00} in interest! This makes no sense, and in my opinion, is absolute robbery! What can be done to improve the communication with Navient? What can be done to make these loans more affordable? With student loan debts surpassing credit card debt at over a trillion dollars, this is a crisis that needs better options that the ones available - and definitely a better loan servicer, with two-way communication - other than Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: National Enterprise Systems, Inc.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
National enterprise systems sent me a letter to sign inorder to participate in their loan rehabilitation program. the stated the principal balance remaining on the loans and they listed collection cost of almost {$4300.00} which aggregate the loan balance by that amount of money. I called them and said that they should collect the additional cost from the company who is asking for the money, not me. The person that I was talking to said that i agreed to pay collection costs when i said the original paperwork. 
My complaint is that these student loans are not designed to be paid back, they are set up to keep people in perpetual debt. Why does the student have to burden that cost of collections when they are already burden with the debt of paying back a loan in order to get an education. The only cost I, the former student and all students, should be responsible for is the actual cost of the education, as those cost are already exorbitant. 
We should not be charged for collections cost especially when our education does not guarantee jobs that are paying enough for us to be able to make and type of decent payment on our loans? thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: JAN (LendUSA) Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed in my mortgage payment XX/XX/2020 for initial payment to be applied XX/XX/2020 instead of XX/XX/2020. I have sent several emails requesting receipt and to acknowledge my request to apply payment XX/XX/2020. I called LendUS twice at XXXX XXXX XXXX and the response that I get is that the check has not been received and payment is not due until XX/XX/2020 ignoring my request to apply payment XX/XX/2020. I expressed my concern that the check mailed in XXXX was not received and Im expected to mail another payment for XXXX as there is no online payment process. The agent went on further to say if they receive 2 payments LendUS will apply one payment to the principal again ignoring my request for payment to be applied XX/XX/2020. 
All Im asking LendUS to do is to apply my payment sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I paid for a full membership with my Chase credit card for an XXXX XXXX XXXX membership. Before the 30 day trial membership was over I contacted XXXX XXXX to cancel my membership. I made an appointment to meet at XXXX XXXX  and returned my key fob and was told that I would receive a full refund. I was told it would take a few weeks to show up on my card. Later I was told by XXXX XXXX that I was not to receive a full refund, but a partial refund would be allowed. Then I was told no refund. I contacted Chase and disputed the charge on XX/XX/XXXX. Chase was aware that I was out of the country and was to receive all my documents through their website login. Instead of posting documents and letters through my login they mailed important time sensitive documents request for me to respond to the dispute by XX/XX/XXXX. I received the letter from my daughter who was checking my mail. I uploaded and sent through secure message all documents requested to prove my claim before the XX/XX/XXXX deadline that Chase gave me. Chase denied my dispute on the XXXX of XXXX the day before the deadline to provide Chase with the documents they requested. I was not even aware of the denied dispute until I called Chase XXXX the XXXX to check on the status of my claim. After a lengthy phone call to Chase on XX/XX/XXXX I was told that my dispute was denied because I did not respond to the documents request. I told them I did through secure message and they admitted that nobody had even reviewed my documents. I asked for a department manager and then another manager that was over the disputes department. Finally I was told that Chase would reopen the dispute and review everything that had happened. The department manager I spoke with said that I had a very good case to dispute the charge and that it sounded like the disputes department mishandled my case. On XX/XX/XXXX I received another letter through my Chase login account that said they they've confirmed the disputed charge was valid. Without any explanation Chase validated the disputed charge. I sent them several documents showing that XXXX XXXX 's response to the claim was false. I have sent messages asking for Chase to reopen the dispute but I get no response. I've asked Chase to investigate the dispute departments handling of the dispute with no response. I believe that they mishandled it from the very beginning. Chase took the easy way out and just validated the charge even though I have proof that the charge is invalid. My complaint now is that Chase had no right to validate the disputed charge. And Chase has not provided me with any documentation as to why they have determined the charge is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BlueChip Financial
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''

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 2017-02-25
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
i am unable to access any credit information from the credit bureau 's and told that my credit number doesnt match my name. i was scammed recently and my S.S.N. was involved in this process. i feel that my credit information is being used by someone other than me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This company said they would remove the false account from my credit report,,, they did not do it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Dear Sir or Madam, I have been working and paying my bills on time since I moved out on my own at age XXXX for a living. In my XXXX year credit history I have bought and paid off homes, cars, motorcycles, and boats. I have had a & gt ; {$10000.00} dollar credit line with VISA since 1999. I currently have {$380000.00} in credit balances- real estate, revolving, installment, and charge accounts in total. Of the {$380000.00} I owe, {$200000.00} is in government backed student loans. 

I gross & gt ; {$XXXX} a year from employed income as XXXX. In my entire credit history I was LATE on ONE car payment over TEN YEARS AGO while I was in XXXX school studying for my XXXX exam. Other than that I have never missed so much as a XXXX payment. 

How can I possibly have a XXXX credit score that ranks me at 52 % of American consumers?!

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