BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, has 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 non-monetary relief
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: CA
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:
When i paid off my loan with XXXX, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of 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 with explanation
Consumer complaint received 2021-07-23
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit systems threatened me with legal action, placing eviction on my credit report, repeatedly call my cell phone without my consent, misrepresentation, have not shown documentation etc. have effected my personal life and finances misrepresenting false claims on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Contacted creditor " XXXX XXXX bank '' and they refused to talk to me because I am no longer liable for the account nor am I an authorized user on the account. 
XXXX XXXX XXXX, XXXX ) I have attempted to submit multiple claims through equifax and have been denied the ability to submit a claim due to lack of verification of my identity on equifax files. 

I have contacted the actual owner of the account and she verified on multiple occasions that I am no longer on the account. 
( Last contacted in XXXX XXXX ) I have had no issues with XXXX XXXX and the aforementioned credit reporting bureaus has had no issues removing my name from accounts where my ex fianc is the primary account holder and I was an authorized user for a brief period of time XXXX XXXX months XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Cap One # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Was not notified of investigation status or results

Complaint:
There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America XXXX XXXX XXXX Vice President XXXX XXXX continues in her crusade to cause irreparable damage as CFPB stands by and allows the injurious behavior to mount. In addition to denying me fraud protection today XXXX XXXX sabatoged my debit card and did potential damage to my XXXX USD cell phone in the processs. 

While it is difficult to determine whether its simple stupidity or sophisticated manipulation XXXX XXXX is clearly in above her head. Assigned as my day to day contact initially she the quickly moved to get control of my personal finances and then after being denied that access she essentially abandoned me and her fiduciary responsibilities. She is on the verge of facing an investigation into her banking practices in her home state of Florida as this is being written. 

Given her stonewalling and protection of at least XXXX abusive BOA employee XXXX XXXX is setting herself up for quite a judgement day and I therefore again before she does anymore damage to me or her other potential victims I urge the CFPB to open up an investigation in to what exactly is her angle. Thank you.

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 monetary relief
Consumer complaint received 2019-07-23
Company: NRA Group, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was stated due {$150.00} but recieved phone call before from company saying that the debt was taken care of because I was an employee at the time. Please have this removed from my credit report. It is stated that this comes from XX/XX/2018 I dont know why I would be charged anything for services that were stated paid for.

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 2019-07-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I informed this company I was represented by a lawyer, in XX/XX/XXXX. I requested they contact them directly. 

They continue to call and bother myself and my mother after multiple request to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am still and approximately 1-2 times per week receiving phone calls from Holloway Credit Solutions in XXXX, AL. These phone calls are in regards to my ex-wife. I have no idea what debt she owes as they will not tell me and I do not care. I have been XXXX from her since XX/XX/XXXX. 15 years. She is XXXX. I have told representatives of their company to stop contacting me and provided the last information that I knew. I received a phone call today and one last week and I would say 5-10 since I last told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the victim of people of bad faith. I never received anything from them, neither invoices, nor reminder since the address they were using was false. 
when i finally received a letter from their service through my postman i immediately contacted them, paid and received payment confirmation on XX/XX/XXXX at the correct address. 
How could I pay an invoice that I do not receive. and this is valid for the whole ARS file. ( 6 ) It seems to me that my dispute is perfectly founded and I request the total erasure of these inscriptions. 
I am considering hiring a lawyer but I am awaiting your decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a user car from Carvana in XXXX, 2021. I obtained financing from their lending division, XXXX. There are three problems with this transaction : 1. It took over six months to obtain the California registration and I had to pay out of pocket to redo the smog inspection because the one they submitted had expired.

2. I paid off the loan in XXXX and have not yet received the title. After several calls to XXXX they sent me a letter that the title would have to come from the State of California. I should not have to apply for new title but rather should receive the title from the lender. 
3. XXXX has not yet reported the loan payoff to the credit bureaus. Today 's date is XX/XX/XXXX so it has been six weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
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: Account status incorrect

Complaint:
I filed bankruptcy XXXX years ago Ive been making a car payment to XXXX XXXX for XXXX XXXX years. I reaffirmed my debt with XXXX XXXX XXXX years ago. when a company called XXXX took over payments for XXXX XXXXThey took it upon themselves to put that my car was discharged in my bankruptcy which basically means they rebuild it and my credit score think it took me two months and two disputes to fix this yes its off my credit report but my Phico score hasnt changed which has hindered me and getting the interest rate I should get one buying a new vehicle now that my old car is paid off when I try to call Experian all you get is not automated to option service you can never speak to anybody about any of this

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 2017-07-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have two private loans that I received when attending XXXX XXXX XXXX XXXX. Loan # 1 was for {$5200.00} in XXXX and Loan # 2 was for {$2900.00} in XX/XX/XXXX. The terms of the loan was n't explained. I am in a variable rate that is continuing to increase and currently is above 14 %. I have been paying on these loans for 10 years ( since XX/XX/XXXX ) and still owe a balance greater than $ 20K. My monthly payments are {$200.00} of which {$150.00} is interest and {$100.00} of which {$76.00} is interest. Over 70 % of my payments is interest and I 'm unable to continue making these payments. It was advised that I would need to try to obtain a loan from a different company to payoff these loans if I want a lower interest rate but the loans would be extended out further than the current maturity date in XX/XX/XXXX which would result in my paying even more than I 'm expected to pay now. I am stuck in what appears to be a never ending cycle of paying off my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, 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 have filled numerous complaints with XXXX and Equifax. XXXX finally responded by removing the XXXX loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX XXXX XXXX. XXXX sold these same loans to XXXX Collections XXXX. XXXX only removed just XXXX of the XXXX Collections # XXXX and not the other XXXX were left on the report and need to be removed as they too have been sold by XXXX.These other XXXX loans are both numbered the same which are # XXXX both reported on XXXX/XXXX/XXXX according to XXXX XXXX XXXX. Equifax has all XXXX XXXX Collections Services still on my report which XXXX has sold to them and they are the same debt.I have previously asked that they be removed also. We were warned by the refinance agencies that XXXX would be difficult to deal with and they were right.I am XXXX XXXX XXXX living on a fixed income and need to refinance my house but the the game playing by XXXX and Equifax still continues. Why did n't they remove the others like XXXX did?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge.

Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EdFinancial Services
State: PA
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:
Been asking about student loan help and forgiveness from Ed Financial..Just was told to apply for student loan forgiveness on XX/XX/XXXX XXXX.Put in app online... Waiting for status ... Months of unnecessary stressed..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MT
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:
I'M HAVING ISSUES WITH GETTING MY COMPLIANT SUBMITTED TO XXXX XXXX FOR AN ACCOUNT THAT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
I'M HAVING ISSUES WITH GETTING MY COMPLIANT SUBMITTED TO XXXX XXXX FOR AN ACCOUNT THAT DOES NOT BELONG TO 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 2022-06-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hey my name is XXXX XXXX Im coming on here to get help on what my bank did to me Im a loyal and honest customer and I been receiving fraud activism my account for quite some time off and on and then I try to get my dispute on things and they denied me based on me not saying multiple things in btw which I did say multiple other stuff but the guy just didnt understand me and he just agreed to everything Im asking for my XXXX on XXXX XXXXs and my XXXX on XXXX XXXX which was used for by i dont know whom it was taken out my account and Im being blamed for it I feel discriminated towards which I dont understand why the XXXX man have to be the one thats lieing in there eyes all Im asking is my money back that was taken and other inquiries on there before they closed my account they also was going to credit other items that was frauded from my account money also but they closed it and said they cant do nothing for me which is my hard earned money if u can please help me I dont want to take it legal matters but its getting to that point if u can please help me Ill appreciate it. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
At XXXX XXXX XXXX on XXXX/XXXX/17, I called XXXX to contact them regarding notices of three debts they have in their office. When the gentleman asked me why I was calling I advised him that I was wanting to dispute these because I have an issue with the balances being owed and that there were unauthorized charges on these credit cards. He asked me why did I pay them for so long and that his collection company was going to sue me if I did n't take care of these. I again advised him that per my right by law I was wanting to dispute these. He again said we will send these to an attorney in your state for legal action if you do not take care of them. I again advised him that I am disputing all three of these accounts and I want them placed in a dispute status. He again asked why I was not wanting to take care of them and that legal action will be taken. I again firmly stated that he is violating my rights by not placing these in a dispute and trying to pressure me into making payments at this moment. I asked him for his name. He said it was XXXX XXXX, when I asked if this was his actual real name on his license, he said no, this is my business name I go by at work. I told him he could n't just make up a name to give me and that I now question the validity of my whole debt because he was being dishonest with me. I terminated the call at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Williams, Rush & Associates, LLC
State: AZ
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:
On XXXX XXXX I received an alert that a collection account had been posted to my XXXX   account. I went onto my XXXX account to find that a debt collection company called Williams Rush and Asso llc had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to XXXX XXXX to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days transunion had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came XXXX and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to williams rush and asso.to both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.

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 2019-06-28
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transworld Systems, Inc. I reporting an invalid debt and illegally re-aging this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I brought a car through captol one bank on XX/XX/20 the car dealership fraudulently filed false statements during the transaction along with vehicle being a lemon car. On XX/XX/20, the bank initiated a buyback from the dealership. Instead the dealership recended the whole agreement and returned all funds to the back. Note I have made over {$3700.00}, in payments to the bank toward carnotes paid and is due my refund. The bank initially stated I would be refund all fees made ; now they are mentioning finance charges for a car that the dealership paid all monies owed from the entire deal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
formal complaint that credit bureaus reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate in accordance with FCRA 15 USC 1681, section 602 ; 15 USC 1681, section 604A, section 2 and 15 USC, 1666 ( b )

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