BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I lived from XXXX till XXXX in the apartment complex XXXX XXXX, XXXX, TX. This apartment complex was bought at the end of XXXX by XXXX XXXX XXXX. Upon leaving the apartment during XXXX XXXX I was told that my deposit would be affected towards the cleaning fee and I provided my new address in case they needed anything. A few months ago I pull my credit report and found that National Credit Systems , Inc. is reporting a debt of {$180.00}. I would have payed that amount of money without problem if I would had been notified and the debt had been validated. In exchange, the XXXX notice i got from a debt that I do not know why I am being charged came from my credit report. This is causing a great harm to my credit history, and I have n't been able to get a mortgage because of it. I requested 25 days ago a debt validation notice and proof that they attempted to collect the debt before reporting it to the credit bureaus. I 've got nothing. I feel frustrated and unprotected from this company.

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 2016-11-01
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a final balance to XXXX XXXX XXXX located in XXXX, Wa. which was paid in full. The condo company sent the debt to National Credit Systems in XXXX to collect on the debt. After explaining to NCS that I had paid the debt, provided verified payment from a check that XXXX XXXX cashed, had XXXX XXXX contact NCS, they still have my account open and affecting my credit score.

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 2016-06-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
OneMain is charging me 17.20 % interest on my car loan dated XXXX/XXXX/2014. Yet I just purchased a car and was financed elsewhere at 5 %. I asked OneMain if they would refinance me now that my credit is better and they refused. I have held off the last few payments as I have tried to get them to redo the loan at a fair rate. Instead all they do is harass me making phone calls to me from XXXX disserent numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: Nair & Levin, P.C.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've contacted Nair and Levin about a debt they state I owe. I requested from them in writing several times verification of the debt and which they failed to provide. My most recent one was after I sent them a letter stating that I would like verification and this time I faxed it over and still did n't receive a response from the debt collector. The debt collector has violated the fdcp by not validating the debt. If this matter is n't resolved I will file a federal lawsuit. I 've ask for validations to be sent in the mail, verbally, by mail and by fax. This was not done, therefore the debt is not collectible. I have also filed various other complaints regarding the business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Cash Call frequently keeps calling for a man named XXXX XXXX even after I had repeatedly told them to stop calling my XXXX year old son 's phone, looking for a man that we do not know. It has gotten to the point where we tried blocking the numbers but they kept calling from new numbers. This has been happening since XX/XX/2015, and we are tired of it.

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 2016-11-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid off my loan on XX/XX/2016 and have been waiting since then for an overage payment refund of approximately {$45.00}. I have made several calls to the branch and corporate office, and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from PENN CREDIT. I do not know who that is and have never done business with the company. There was no person on the other end when I answered the call. They continue calling several times a day including Sundays. I no longer answer the phone when their number and name appears. This has been going on for months and I am sick of it. We are elderly and my wife is in stage XXXX of XXXX. Can you do anything to get the calls stopped? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I got into a car accident shortly after getting this loan and had changed jobs. I bought all three insurances from the lender to make sure if anything happened to me the loan would be covered and not harm my credit. I missed a payment and all the huge fees and fines snowballed the insurance I purchased would no longer cover me since the way I get paid changed. I continued to make payments and get caught up they continued to report late payments regardless even though I worked out an agreement. I was actually paid ahead XXXX XXXX and still reported me late. My loan was always paid ahead since. I have paid off this loan XXXX XXXX in full and the loan is still reporting as open with a dollar balance. I was sold fraudulent financial products such as the insurance and have now suffered harm to my credit because their bogus products to protect people from these circumstances are fake. The late payments need to be removed and a refund is due on the bogus products sold to me and all the pumped up fees and fines refunded and late payments removed. I could never recommend this company. I have a stellar credit history otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I co-signed on a Cash Call loan for my XXXX XXXX in 2013. My brother immediately defaulted on the loan and I was left to pay it off. Unfortunately, I was layed off from my job shortly there after and was unable to keep up the payments. 
So, now I have a Cash Call amount of XXXX on my Credit Report. I have contacted Cash Call to set up a Lump Sum payoff, but they refuse to speak to me regarding this loan, since I am not the " Primary Signer ''. I need this Cash Call off of my Credit Report to move forward with a Refinance that I am attempting to complete. 
In short, I need your office to contact Cash Call and find out how I can pay of this debt & how long afterwards before their company is off of my Credit Report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Spoke with third party. Representative lied and said they were unable to process a dispute on the amount claimed to be due. Amount due was wrongfully thrown on my credit report prior to my being notified of the amount " said-to-be due. '' The issue turned out to become hostile with the third party agent and she insulted me and told me they will just have to collect the money by " other means. '' This caused me much anxiety, even with my existing XXXX. I felt as though I was undermined and treated with disrespect regarding the amount due. I was ultimately unable to communicate effectively with the third party billing collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
None of the accounts were deleted off any of the XXXX credit companies

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 2022-05-20
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase at XXXX. Product was damaged in shipping I returned product I supplied XXXX with return slip. XXXX acknowledged they received the item however my XXXX account is closed because of an unrelated security concern. And because of XXXX dies not have access to account informed me to contact back. When XXXX received notification transaction was disputed they agreed and refunded money. On XX/XX/XXXX chime has had my money and will not release into my account and XXXX considers order resolved because money was given back and will no longer assist. Chime has acknowledged they have the money however is stating dispute is still under investigation when in fact itll is resolved and the only reason it is still open is because chime will not process refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a collection items reported by XXXX XXXX. Transunion has continued to report it ; however, has not provided an evidence that the account is mine. They have changed removed it twice and then changed the around twice. I have even showed them where I wrote to XXXX XXXX and the letter was returned back to me saying it was a bad address. I have reported this account three times and the only thing that has changed has been the dollar amount but no documents on why nor copies of signatures from the collection agency.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-20
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2016-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been filing disputes for YEARS with all XXXX of the credit bureaus and they continue to not listen to me, and not supply me with the information I have been requesting. I am now almost XXXX and I have spent years attempting to repair this damage but I 'm a XXXX mother working XXXX full time jobs to pay for the roof over my head!! I ca n't afford to pay for someone elses bills also!! There are all different accounts listed on all of my credit reports with names spelled similar to mine, yet NOT MINE! They do n't belong to me and they are n't mine! Some of them are addresses that I have never lived at! I put a fraud alert on my credit report to prevent anyone from opening any more accounts, but going through the socials and the XXXX and the names -- -- they do not even match mine!!! Ive been begging the credit bureaus to remove them as I ca n't even apply for a mortgage because of all of this garbage on my report. Please help me. I 'm doing the best I can but I am only one person. I 'm not one of those free riders that live off of the government. I do everything on my own without even a drop in child support. I need to have this corrected and quickly! There are also about XXXX hits on my credit for credit that I never even applied for! There is also XXXX XXXX accounts that are clearly not mine as I have XXXX NOW!!! How could I possibly owe them money on XXXX different accounts! The information does not even match my info! Please, please, remove all of this junk from my credit report. Please!

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 2022-05-20
Company: EQUIFAX, INC.
State: OH
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:
i went to the dealership and they said they will only have XXXX pull my credit but they had cXXXX XXXX  do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and someone else has been trying to open up accounts in my name and there 's a lot of inquiry on my credit report from XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX 3 times on my report, XXXX XXXX/XXXX/XXXX I already have an account with XXXX and some thing by the name of XXXX I did not do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent a request for an investigation regarding an erroneously reported account by XXXX Support to Equifax. Equifax in turn sent these letters to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with XXXX Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and my address. This was the wrong thing for them to do and can be damaging to me and my credit. I do n't understand how they could be so careless with such personal information. I as well as other consumers trust them to maintain our privacy. I also sent Equifax proof that this account was paid in full so they could update it and they did not help me with this issue. I have good credit and my accounts are in good standing. I have no history of not paying my debts. This is a gross neglect of my rights and the Fair Credit Reporting Act on Equifax 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm making a complaint against TransUnion for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 
Public Records US DIST CT XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA XXXX In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

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 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this medical account is an open account. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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