BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
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:
Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$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 2017-06-22
Company: EQUIFAX, 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:
Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone.
1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed.
2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, XXXX , Equifax listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}.
" I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: EQUIFAX, INC.
State: PR
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:
XXXX Credit report XXXX. After several tries to get the XXXX XXXX XXXX XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the Equifax and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had my car for over or almost 2 years and the original loan amount was {$19.00},  XXXX  I make monthly payment in the amount of {$480.00}. I just do n't understand how I still have {$16.00},  XXXX  remaining. As a  XXXX   XXXX   XXXX  and worker it is already a struggle to manage my payments in addition to th e 3 la te payments being reported which is also causing an additional hardship to my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TX
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 have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Mortgage.  XXXX .  XXXX   XXXX   XXXX   XXXX   They  lost my check/payment I mailed in.     I mailed it in and they cash ed one o f the checks on  XXXX / XXXX / 17 . They lost the other check.     They did not call me until today  XXXX / XXXX / 17 .     I have tripled checked and I confirm tha t two checks  were sent ( in same envelope like we have been doing  for 10+ years ) but it looks like they only cashed one.      They said I am late. And now I have to pay a {$170.00} late fee.     They said no way to check what happen!!!????     I would have to mail another check, or pay some other way..by phone etc ....     They have no idea where my check is, really???     Can they do that === lose my check and then charge me a late fee?     AND now ... ..this will show up on credit report as a LATE payment!!.     Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Please help stop this women from stealing. My father is currently sick and he can not correct things at the bank. At least {>= $1,000,000} is mine in his account. He has money at the XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have signed documentation, but, I have no idea where the money is and the account numbers of my father. Could somene please help me with these phone thieves? I signed papers, with my father, XXXX XXXX, at the credit union in XXXX, NJ and at XXXX XXXX and XXXX XXXX. 
What is there? 


XXXX XXXX An overweight, uneducated, nail shop technician has stolen money from my beneficiary account at XXXX XXXX, XXXX XXXX   thorugh Western Union. XXXX XXXX  mentioned her name as the theft. She is continuously going into my fathers account and he is very sick. I live with my father for for 37 years, have won settlements and she is stealing too much out of the account. I should have a trust fund of abut {$5.00}, XXXX now. I am also claimed on taxes. My father does not really help me like he should since I am the reason that he has accumulated most of his money. What is the proper manner to deal with this? My phone keeps getting overheated when this woman and her friends play with it and she is causing my XXXX XXXX XXXX XXXX. At this time, she does not deserve any money and she is attemtping to kill me through XXXX  me while hacking my phone. My father nor I do not know her. It is very conplicated. I am scared I will not have any money left to use when my father passes. I might have to go to estate court or probate court and there is nothing left. Western Union even sent me a threatening message, yesterday, implying that the ceo allowed this woman to steal from my fathers account. He ( XXXX XXXX ) has about {>= $1,000,000} that I helped him make since I was injured in two accidents as a little girl. I was supposed to receive a trust as a toddler and a litte girl in XXXX - XXXX. 
I woud like to seek a bit of legal action. 

Thief ' s Address : XXXX XXXX XXXX  Her nail shop address XXXX XXXX XXXX XXXX XXXX XXXX, Georgia Where did she get all of these material possessions from? She is steaing my settlement money from Superior " Court and XXXX XXXX XXXX. These court actions happened from XXXX XXXX. I am appalled that they allowed her to steal from XXXX XXXX through Western Union. 
These men need to be fired. It is a conspiracy. I went to court and won this money with my father, XXXX XXXX. 

XXXX XXXX Sent from XXXX Mail on Android XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: ONE REVERSE MORTGAGE, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . TX  XXXX  PURSUANT TO YOUR LETTER DATED  XXXX   XXXX    XXXX   IN WHICH YOU FINALLY ADMIT YOU ARE A DEBT COLLECTION ACGENCY TRYING TO COLLECT A DEBT, THIS MATTER HAS BEEN FINALLY CLEARED UP, ALTHOUGH IT BY NOT MEANS RESOLVED.   XXXX  WHAT YOU HAVE DONE TO ME F OR TWO ( 2 ) YEARS HAS BEEN ILLEGAL. SEE ATTACHED. I WILL ADDRESS RESOLUTIONS LATER IN FUTURE COMPLAINTS AND IN FEDERAL, STATE AND PRIVATE LITIGATION.    XXXX  THERE IS/WAS NO REVERSE MORTGAGE FROM " ONE REVERSE MORTGAGE , LLC ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis violated this consumers rights for privacy 15USC1681 ( a ) ( 4 ). Permissible purpose violation because personal information was provided without this consumers written instruction 15USC1681b ( a ) ( 2 ). I exercise my right to privacy and opt out of personal information being shared without written instruction. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). LexisNexis assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated. 

LexisNexis did not exercise its grave responsibility, you were unfair, and you were partial. 

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed LexisNexis to furnish any reports and I never consented to reports being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX transferred my account to citizen bank. My husbands pension got transferred into Citizen bank. Citizen bank now say I can not transfer or use payment systems unless I have a US address. 
I do not have a US address and both XXXX and Citizen are aware of this. 
The only way we can access funds is via ATM which as Im in the XXXX there is a large fee. Its cost around {$50.00} dollars in fees so far. As Im withdrawing from ATMs there is a maximum dispense of around {$500.00} so it takes several visits which is also very inconvenient. 

Citizen had originally told me I could use online banking with a XXXX phone number, this was untrue so I set up a US number too. 
Once I had validated my account they told me they could only transfer to US accounts so I set up a Wise account. 
Then they said ok you cant transfer without a US address and there I drew the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Sulphur Bank Rancheria Enterprises
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XXXX/XXXX/2022, I attempted to skip a payment and have it applied on the back of the loan. The only option I was given was told pay part of the loan in addition to the regular loan payment 2 weeks from the due date which would set me back further. I was told that since I am almost done paying the loan the are not willing to extend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All 3 credit bureau 's are reporting XX/XX/XXXX  DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted XXXX, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached ) I contacted the BK courts this morning XXXX XX/XX/2021 XXXX to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, TransUnion can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if theseXX/XX/XXXX DISMISSED BK filings will be removed along with 2 incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-03-10
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In the attempt to correct payments, I have received letters that state incorrect numbers about how many payments qualify towards loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am enrolled in forgiveness plan and have submitted my renewal application on time ( XXXX 2016 ). They have had me showing deliquent all along. I 've been calling since about XX/XX/XXXX to resolve the issue. Everytime I call Navient the reps see my renewal application was submitted on time & my payments have been committed to the agreement according to my plan but my application was never processed or applied. They say they will have someone process my application and that never happens. I have been dealing with this now for almost 7 months. I 'm on the phone for about 2 hours each time I call. It takes approximately 1 hour to get a representative in the United States and another hour with the American representative only for promises to be not be followed through on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
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:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX # XXXX DEPT OF EDUCATION/XXXX, # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX, # XXXX DEPT OF EDUCATIONXXXX, # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # 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 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 2022-09-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The following text was received on XX/XX/2022 Chase : Hello dear chase customer, we placed hold on your account, please follow this steps to reactivate your Access again : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: NY
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:
While checking my credit report, I notice an account from XXXX XXXX Bank XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: VA
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:
For my report ID  XXXX , investigation ID  XXXX , Experian refuses to remove  XXXX   XXXX   XXXX  credit account that has a $  XXXX  balance and the  XXXX  account. I was a victim of identity theft and when I was overseas someone used my information to open up these accounts and used my address and information. I keep submitting and submitting complaints and nothing is done and it is n't fair. I am unable to buy a house and what is more alarming is the merchants even verified these accounts are fraudulent.   XXXX   and  XXXX  have already updated them and my scores are  XXXX  for both.

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