BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please refer to disputes that were sent under complaints XXXX TransUnion XXXX XXXX  XXXX XXXX  As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation TransUnion and XXXX. XXXX requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and TransUnion and XXXX  stated on XX/XX/XXXX that they were putting these items under investigation and XXXX  stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

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 explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-08-28
Company: JPMORGAN CHASE & CO.
State: IN
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 purchased a used vehicle from XXXX County truck sales and when trying to register the vehicle the state of Indiana stated I needed a one in the same affidavit from the bank. This form is needed because the original lien for the title was held with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, however in XX/XX/XXXX they merged with bank one who later merged with JP Morgan chase in XXXX. The lien was originally released in XX/XX/XXXX and was released by Bank One a division of JP Morgan Chase. I originally met with a chase rep on XX/XX/XXXX who called the auto loan department to assist as the rep in the bank was clueless to what I was requesting. The auto loan department assured me they were aware of the form and it would be mailed out within 3 business days. On Monday XX/XX/XXXX I called the auto loan department to ensure my letter was being mailed out and was informed that it was not, however out rep assured that it would be mailed out because no one inside a branch office could fill the form out for me. On Tuesday XX/XX/XXXX I called the auto loan department to ensure that there was trail created on my behalf about the one in the same form that I requested and was informed by this rep XXXX that the letter was mailed that day. On Thursday XXXX XXXX I did a follow call to the loan and department and spoke with XXXX who stated that the form was not mailed out only a lien release which I then stated that is not what I requested and asked to speak with a manger and I was informed by XXXX there was no manager available and since I wasnt an actual customer he would ensure that the one in the same form is mailed to me. I called into the branch in XXXX, Il to speak with s manager and get done help only to be told by the rep on the phone that I should call that loan department back and tell the I need to speak with a manager because the bank forest handle issues with that department. I called back into the loan department and requested a manager and XXXX came to the line I explained to her what was going on and with no apology I was informed by XXXX that she would mail the form out. I called the lien department Saturday a XX/XX/XXXX and was informed by XXXX that there was no one in the same form mailed behalf and he would ensure that one is mailed out on my behalf Monday XXXX XXXX. I requested to speak with a manager and was informed by XXXX that theres no manager available and he asked for my phone number so that someone could return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: MA
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:
To whom it may concern, this serious issue with Equifax and correction and or compensation to 147 million.  WE DO NOT WANT FREE SERVICE ANYTHING WE WANT OUR WELL DESERVED AND LEGALLY DESERVING MONETARY COMPENSATION, IT'S WRONG FOR CFPB TO BE WORKING FOR THE COMPANY THAT HAS VIOLATED OUR TRUST AND ALLOWED OUR VITAL INFORMATION TO BE COMPROMISED.  DO NOT ALLOW THEM TO WALK WITHOUT HAVING FULFILL THEIR LEGAL AND TO ADD MORAL OBLIGATION TO THE MILLIONS OF PEOPLE THEY HAVE HARMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting from on or about XXXX XXXX, XXXX   XXXX has been applying my timely monthly mortgage payments to escrow and not the principal and interest.  Only once did I receive a refund check, in the amount of one month's mortgage payment.  I did not think anything of it as the banks usually issue a check for escrow remainder. Instead, XXXX XXXX   continued to hold my monthly payments in escrow and not applying it to the principal and interest.  After notifying them numerous times and having to make the same exact complaint over and over, I continued to receive 90 Day Pre-Foreclosure Notices.  It was not until XXXX, XXXX that the issue appeared to be resolved; however when I asked for something in writing regarding their mistake, I was sent an email, no letterhead, simply stating that the prior three months were applied--as if I was the one who make the mistake.  On those occasions that I had to call, my wife had to take the day off from work to help me discuss the issue with them, because we would be on the phone for over an hour, mostly waiting.  Each representative we spoke to had no idea why we were calling and each time we had to go over the same things and direct the representative to read the prior notes.  On one occasion, the representative had us on hold for over half an hour and when asked to speak to a supervisor, she placed us on hold for about 20 minutes and then hand up on us. Unfortunately, we lost our temper before being transferred to the "research team", which we were told would be researching this since about XXXX XXXX, where we had to again relay the issue.  Now, it seems that XXXX  XXXX has been charging us approximately $XXXX for "expenses".  There were no notices sent regarding what this additional fee is about.  When we called the representative said that it was costs transferred to them, but they were servicing the loan since XXXX  or XXXX XXXX, when all this mess happened, and that cost was not there.  XXXX XXXX never escalated it to the proper department, for over a year we suffered when we received those 90 Day Notices, but no returned checks to give us any idea that our payments were not being applied properly. We never received any call back from a manager or supervisor regarding our inquiries, and now we are being charged for fees that we know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they were the debt collector assigned by XXXX XXXX to collect an alleged debt owed. I sent back a letter by certified mail requesting validation of the debt and no response was ever received. On XX/XX/XXXX I received a letter from a different company Resurgent Capital Services stating they were the debt collector for XXXX XXXX  on the same alleged debt, I again sent a letter by certified mail requesting validation of the debt and to date have not gotten a response. 2 letters were received by 2 different debt collection agencies within less then 30 days attempting to collect on the same debt, both of these agencies stated they were debt collectors for XXXX XXXX. I've reported XXXX XXXX to the Nevada State Attorney Generals office for their debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please refer to disputes that were sent under complaints XXXX XXXX  XXXX XXXX XXXX Equifax As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation XXXX and Equifax. XXXX requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and XXXX  and Equifax stated on XX/XX/XXXX that they were putting these items under investigation and XXXX stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
One example, transunion, did ( INVESTIGATION ), come back with with ones i chose, either should be paid or not mine, had fraud on SS # ; come back all correct, HA, so called one myself, XXXX XXXX, asked billing, why give my XXXXns., info if not use it, she ran it while i'm on phone, was paid right then, she said take off credit immediately, week later still their due to a letter i sent them about their incompetent ( investigating ) billing called right then as ending call, they did their part finally, that's another, always told don't ( really } look at med bills but does affect your score. A double lie, its pretty sad, no one gives a C # XXXX & even to do job right, fire them hire me, must be better than them at it, scary thought, lol, need real help with this please. Sincerely, XXXX 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 with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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, 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 also states that 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 2022-03-19
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of your letter dated XX/XX/XXXX. The following is my response along with the attached Identity Theft Report from the FTC : American Education Services ( AES ) is defined as a debt collector pursuant to 15 USC 1692a ( 6 ) by 1. compiling and designing a deceptive form called a FAFSA and 2. defined under 15 USC 1692a the term debt collector means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. It is a fact AES is participating in interstate commerce, provided a FAFSA ( free application for federal student aid ) and is participating in the collection of any debt. The form was deceptive and its null and void. I, the consumer have all CFPB records and all mailing evidence providing the alleged debt was never verified. The consumer reporting agencies have removed this alleged account from my consumer file due to not being able to verify it and/or identity theft. FCRA 1681c-2 is the law that governs identity theft. I mailed a notarized Affidavit on XX/XX/XXXX to AES that stipulated failure to Cease and Desist shall be evidence that American Education Services intends to be guilty of the aforementioned crimes and more ( reference the Affidavit ). By failing to meet all of the stipulations required in the Affidavit, AES ' full agreement through tactic acquiescence was and is that there can be no case, collection, or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks, P. 2d 257 260. There shall be no reporting or any attempts to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Every time I pay it seems like the total amount due goes way up. I have asked multiple times to lower the monthly payment. They tell me and then force me to do a forbearance and then when it 's over their like it will then be lowered. When it is time to pay and the forbearance is over, the monthly payment due is doubled. I have XXXX children and a XXXX that I take care of and it seems like I am struggling as it is let alone paying a ridiculously high payment that just keeps going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America, is hold back transections to trigger overdraft charges.

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 2017-01-19
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Started off with a federal loan through Sallie Mae Services with out my consent my loan information went to XXXX. Where they charged me several late fees, after my loans where in deferment for financial hardships. Which XXXX appears on my credit as late for non payment which is affecting my credit wordiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Total Card, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I asked to Cease and Assist the debt with the current XXXX XXXX XXXX and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is XXXX yrs old and I am not working and am XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit.

They have my credit file in s special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application.

They have no reason to have my file listed under special security.

They have decreased my credit score by XXXX points for an 18 % increase in balance for two new credit cards. 

Three months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over 7yrs old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which Transunion corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.

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 2022-03-19
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX servicing 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 2015-05-13
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient refuses to send me actual paperwork showing what was borrowed verse what was paid. The co-signor on the loan has paid majority of the loan. I offered to set up payment plan for anything I still owed and they refused. They demanded it to be paid in full. They sent me the first page of a promissory note which had amounts scratched out and different schools receiving money vs. requesting money. They are very rude and offered no help to resolve the debt other than demanding payment in full. I am in the process of finishing my degree, and I am a single mom and this account is keeping me from being able to get a home to purchase or rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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