BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
Credit bureaus are taking longer than they are required to investigate disputes. According to the FCRA the bureaus have 30 days to investigate disputes.

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 2022-04-20
Company: EQUIFAX, INC.
State: MD
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 with account number XXXX has violated my rights. 

XXXX USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 with account number XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 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 2015-03-20
Company: Southwest Credit Systems, L.P.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or had any info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-26
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They claim to hold a debt I have with XXXX XXXX XXXX. I informed them that I 'm not working a permanent job, but when I have the money I will pay. They call repeatedly and when I answer they hang up. Per my caller ID they have called : Week 1 XXXX/XXXX/16 at XXXX, XXXX, XXXX XXXX/XXXX/16 at. XXXX, XXXX XXXX/XXXX/16 at XXXX, XXXX Week 2 XXXX/XXXX/16 at XXXX, XXXX, XXXX They call from XXXX different numbers : XXXX and XXXX This causes me to get XXXX, I feel like I 'm being badgered and bullied. I 've paid over {$5000.00} in debt this year alone that my estranged husband left in my name when he walked out on me. I 'm working really hard to rebuild my credit. I want to pay them, and I will. It 's just not fair to harass me, I 'm already under a lot of XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX -XXXX XXXX  2017 XXXX 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX , ( Original Creditor : XXXX XXXX XXXX, ( Original Creditor : 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 2016-05-09
Company: Navient Solutions, LLC.
State: MA
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:
I had auto pay until slimy Navient took over. They dropped it though I have been always able to pay my loan with ease. They said on the phone it would be brought back. When I do not pay manually on their web site, they have harassed my XXXX year old mother, -called her today on XXXX too. They are rude to her and do n't have the guts to call me. They do not set up auto pay and call people every day to harass them to pay or just pretend to call. A live operator should have to call, no robo calls and ID themselves right away. 
They have also monkeyed with my loan to gain more $ and sham late fees. Do n't let them get away with it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by this company about this debt that I do not owe. At the time of the services provided I was indigent and this account should have been filed under my states indigent fund therefore alleviating me of the obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received this text today : XXXX XXXX  : Your ClTldebit is Temporarily Frozen due to unusual activity. Review recent activity XXXX XXXX XXXXXXXX to unlock or visit your local branch. 

I immediately called my bank using the number from my Citibank app and they said it wasnt them that sent the text and there wasnt anything wrong with my 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 2016-10-06
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I moved from XXXX to XXXX the end of XXXX XXXX, In XXXX XXXX Navient Told me I was past due on my loans. I asked that they consolidate my loans into one montly payment. It was decided I would pay {$290.00} from XXXX to XXXX and {$400.00} from XXXX to XXXX to avoid any late payments In XXXX, however, I learned that all the loans had not been consoilated and that I had to pay a one-time check for {$530.00} in XXXX XXXX to make up the difference. In addition, I just got my Transaction report and learned I had been past due 60 days on XXXX separate reports in XXXX -- {$93.00} on a loan of {$5500.00}, {$93.00} on a loan of {$5.00}, and {$310.00} for a loan for a loan of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Account status incorrect

Complaint:
In XX/XX/2019 we came to an agreement with XXXX that the XXXX XXXX would be removed and all Obligations for the Solar Leases would be terminated due to improper installation of the solar panels and promises to repair the leaking roofs. XXXX  XXXX XXXX  were removed by XX/XX/2019, as per the agreement. We are still receiving monthly bills for the terminated leases and they are being reported to the credit agencies as being late paid, including what they are calling current amounts that would have been due if the contracts were in place even though all of the contracts have been terminated. XXXX has filed the releasing of the UCC filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CAC Financial Corp
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAC FINANCIAL STATED THEY WOULD SEND VERIFICATION/ITEMIZED BILL ONTOP OF IGNORING MY REQUEST FOR A SIGNED HIPPA RELEASE, THEY SENT ONLY PHOTOCOPIES THAT ANYONE COULD HAVE TYPED UP THEMSELVES. THERE ARE NUMEROUS Descreptancies WITH BOTH BILLS. ONE WHICH DOES NOT EVEN HAVE MY NAME ON IT. BOTH BILLS HAVE A DUPLICATE CHARGE FOR SAME SERVICE YET COMPLETLY DIFFERENT AMOUNTS BILLED, ALONG WITH NUMEROUS DUPLICATE CHARGES ON THE BILL THAT IS NOT MYSELF FOR SAME SERVICE. 
THE BILL OF {$3800.00} SHOULD OF BEEN XXXX  OUT {$0.00}. I HAD ALREADY BEEN XXXX  FOR OVER A YR DUE TO XXXX XXXX XXXX XXXX, I WENT INTO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT SURE WHY OTHER CHARGES WERE CHARGED. I ALSO FILLED A HARDSHIP APPLICATION AT HOSPITAL AND WAS INFORMED ALSO THAT XXXX WAS OPENED FOR ENROLLMENT DUE TO PANDEMIC, I APPLIED AND IMMEDATELY APPROVED. XXXX XXXX XXXX XXXX XXXX  AND WAS DOWN FOR CLOSE TO TWO MONTHSXXXX XXXX XXXX XXXX XXXX XXXX THAT RESULTED IN XXXX XXXX XXXX  AND TWICE WEEKLY VISITS TO XXXX XXXX  FOR CLOSE TO A YR. THIS WAS NOW GOING ON 3 YRS OF XXXX. I QUALIFIED FOR XXXX XXXX AND WAS APROVED AND STILL ON TO THIS DAY, COMPLETED HARDSHIP APP AND HOPSITAL RESULTS OF HARDSHIP APP WAS THEY NEEDED TRANSCRIPT FROM IRS BC THEY CANT ACCEPT SELF PREPARED TAXES, AND AT THAT TIME IT WAS NEXT TO IMPOSSIBLE TO EVEN REACH THE IRS BUT EVENTUALLY RETRIEVED THE TRANSCRIPT AND SENT TO HOSPITAL AND WAS INFORMED IT WAS IN COLLECTIONS. I AM BY NO MEANS IN A POSITION TO PAY THIS, EXSPECIALLY SINCE HAD I KNOWN I COULD GET MEDICAL FROM STATE THEN I WOULD OF BEEN ON IT WHEN I WENT TO XXXX  BC I DID QUALIFY FOR IT.THIS COLLECTION IS HURTING MY CREDIT. BEING XXXX  BEFORE PANDEMIC, XXXX  XXXX  ONLY AS A XXXX  FOR MERLY XXXX  WKS BEFORE XXXX TOOK THAT AWAY. THEN ONLY TO HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO NOTICED ON THIS OTHER BILL WITH DIFFERNT NAMES THERE WAS A SELF PAY DISCOUNT, WHY WOULD THAT NOT BE APPLIED ALSO TO THE BILL OF {$3800.00}. REGARDLESS I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of BOTH accounts. According to the Consumer Reporting Act, Section 609 ( a ) ( I ) ( A ), the collection agency is required by federal law to verify - through the physical verification of the original signed consumer contract- on any and all accounts they post on your credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts or info. 
They have not provided me a copy of a contract with my wet original signature to validate I owe the debt. Please remove these negative unverified accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
I have repeatedly tried to request new Rez to remove the late from XX/XX/XXXX on my credit report. This was an accurately reported as the system was down when I tried to make my payment at the end of the month which would not have been late. I do that every month with no issues. I have snapshots showing that the system was down yet they are coming back saying that they have no login information for me during that day which is crazy because the system is clearly down and why theres a glitch and them not showing me logged in. I obviously have snapshots showing that the system was down which wouldnt have taken place after the fact because the date on the snapshots indicate the system being down on XXXX XXXX. They keep coming up with excuses why they wont remove it and at minimally I would requested to be done as a courtesy even though out of principle it should be done Ive been a loyal customer and Ive never been late on my payment to them. Is clearly was a system error and I refuse to let this go. I am correct and I am very upset and frustrated that they have negatively reported this on my credit report when I have been a loyal customer and have proven to them with many snapshots that I tried to login and was unsuccessful due to the system error and then going down. Hi again kindly ask that somebody please review this without giving me the response the system wasnt down because it was And remove my late from the credit report as I am trying to refinance my house and this is hurting me to do so I am trying to refinance directly with their company yet they still want to charge me a late. This is ridiculous and an unacceptable and I will not give up fighting this because I was not late nor have I ever been late. Please review this to be removed off my credit report and updated as the payment was made first thing the following morning when the system went back up. Please Remove the late off my credit report from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage was current as of XX/XX/2022. 
On or about XX/XX/XXXX I received a notice of foreclosure. 
I immediately called and made a payment of XXXX which they negligently or willfully never posted after giving me the payment confirmation number. In addition I was charged a XXXX fee which violates the terms of the original mortgage agreement. I no way did I ever agree to this late fee. 
The agent at Shellpoint told me that I was 3 payments behind and that was the reason for the foreclosure Shellpoint knew or should have known that I was not behind on my mortgage payments. 
In doing so Shellpoint violated both Massachusetts and FCPRA. by posting the defaults on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Advertising, marketing or disclosures

Complaint:
My prepaid Visa card ( issued by Blackhawk Network ) has a misleading " Funds Do Not Expire '' statement on the front of the pre-paid credit card. 

There is a " Valid Thru '' date that denotes when the card, in fact, deactivates. Once a card deactivates, the funds are not " gone '', but instead require egregious reactivation fees ( {$15.00} fee for a {$25.00} gift card ). 

The problem is that this is misleading consumers when Blackhawk Network says " Funds do not expire ''. It conflicting, confusing, and dangerous for consumers who depend on these prepaid cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: DISCOVER BANK
State: GA
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:
I took out a loan in XXXX of 2019 for {$5000.00} in XX/XX/2019 I paid {$4000.00} and put the rest on auto payment to be taken out at {$130.00} a month. The {$4000.00} payment was supposed to go towards principle and payments were to continue as scheduled the bank never took out any money out of my account for auto payments and notified me three years later that the payments were being deducted from that {$4000.00} amount so no payment was due I received no statements stating that a payment was due I signed up for online statements and every time I check the app the balance was zero so I assumed that the automatic payments were being deducted it was not until three years later that I was called and notified that the payment was due and upon notification I paid the balance of in full. I was charged an unknown amount of interest on payments that should have been made through auto payment and also they reported my account being 30 days past due in XXXX of this year. I spoke to a gentleman on XX/XX/XXXX and he notified me of this I immediately paid the balance that they said was due and asked for it to be escalated for review. I was also told on a recorded line that discover never reported my payments as delinquent To any of the credit bureaus as of that date and after the payment was made there would be no further action needed. A few days later I checked the loan account on the Discover app and it showed that I had a negative balance of {$.00} noted that the pay off of the loan was complete. Today on XX/XX/XXXX I received a credit alert stating that my account was 30 days past due and I noticed that there was a balance of {$24.00} on the loan account. This has caused me to drop my credit score via almost XXXX points while Im currently in the process of closing on the mortgage. I explicitly inquired about this on XX/XX/XXXX when I spoke to the customer service representative and I was assured that this would not happen but it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card
Issue: Billing disputes

Complaint:
Chase Credit Card Bank, after I had closed my account and paid off any and all outstanding balance, for which they gave me confirmation of receipt of payment, created new debt on that closed account. I was unaware off this till I received a letter of debt collection months later, not in the form of account statement, claiming principal, interest and late fees while they were no longer sending me correspondence nor statements, as the account was closed. They have maintained a rigid and dishonest/abusive posture, at no time did they openly acknowledge the payment I had made to close the account, not honoring the confirmation of receipt of payment number they had issued me. The person handling the case at the executive office, XXXX XXXX, demonstrated a total lack of ethics, of basic honesty and of basic decency in my repeated dealings with her. The only way for this person to answer my requests has always been following my repeated complaints with the CFPB. As the agency has no power to arbitrate, XXXX XXXX has been free to bully me without any sign of human conscience whatsoever into paying the debt illegally created by the credit card department at Chase. 
I have recently requested from her a final statement in order to cut my losses, stop the abuse and dissociate myself from such an institution and such an individual. 
So far my request has remained unsatisfied. 
As I can not fight the case via this agency, and I do n't reside in XXXX, DE to defend my case in person, I hereby reiterate my request for a final statement in order to pay what she/the bank wish to extort from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MD
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 with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 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 explanation
Consumer complaint received 2022-04-20
Company: Resurgent Capital Services L.P.
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:
Hello, I have disputed this account several times and have not gotten anywhere. I was under the impression the account still belonged to XXXX  but they notified me that you now Resurgent has the account. 
This is a fraudulent account and I had a total of 2 accounts that were being reported. 1 was deleted due to fraud and 1 wasn't. How did they determine 1 was fraud and 1 wasn't. Doesn't make any sense. 
I have filed a police report, ftc report. If nothinggets deleted from my credit reports within the next 30 days I will retain a lawyer and sue for not only reporting a fraudulent account but for damages because I've been denied creditdue to this account being reported. 
Please see the supporting documentation attached. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation