BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: DE
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Collection XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00}

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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX I was apart of Transunions inquiry issue, they were deleted from my credit report and then reinserted without proper notification. Customer service would not help with the matter.

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 2022-04-29
Company: JPMORGAN CHASE & CO.
State: WA
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:
JP MorganXXXXXXXX XXXX  Credit card XXXX Credit card has me as authorized user but I did not authorize the use of my name and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have settle account with Navient # XXXX via XXXX XXXX XXXX # XXXX who bought manages their past due accounts. This account was settled in XX/XX/XXXX but XX/XX/XXXX this accounts still shows a balance. I have called multiple times to clear this out and I am constantly told that they are going through a system conversion that is taking long for them to reflect payment received. I called enterprise and they advised me payment was sent to navient the first week of XXXX in t he amount of {$650.00}. I called navient and a escalation manager sent me a XXXX balance letter but this morning I received a statement showing i still have a balance. Please help! This is ridiculous that this company is reporting incorrect information and keeping my money if settlement and have no response to when all this information will be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2017-04-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has consistently misallocated my student loan payments. After causing this issue themselves they begin harassing me with at least 3-4 phone calls a day in order to collect payment on loans that have been paid and should be current. When I call them to resolve the issues their representatives never fail to prove themselves incompetent in handling affairs they should have a great deal of specific training for and experience in, either making the issue worse by misallocating even more money or simply not understanding how to deal with the problem in the first place. One thing you can be sure of is that something that should have been taken care of in one call will need atleast a 2nd and 3rd call to get close to being resolved. 
In my most recent interaction I called about a delinquent loan. I spoke to 2 different representatives who were right next to each other at the time of the call. I mentioned that my payments were not being applied correctly and the first representative 's solution was to move a payment amount FROM the delinquent loan TO a current loan in order to fix the delinquent loan. I pointed out the obvious, saying this made absolutely no sense multiple times and questioned both representatives as to how this would actually fix anything. They could not give me a specific answer but reassured me that the problem would indeed be corrected. Here I am 3 days later, the delinquent loan is now even further past due and states that instead of owing less than XXXX dollars on it I now owe almost XXXX dollars towards the loan. I now have to waste the time calling back to deal with another representative who I have no confidence will have any idea how to handle the situation and correct the errors as per my usual experience in my 10 years of repaying these loans with XXXX and now Navient and deal with the XXXX of these XXXX which is exacerbating symptoms of my XXXX during a time when I am not even able to work because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX {$370.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$910.00} XXXX XXXX XXXXXXXX Balance {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX I received a letter dated XXXX from Penn Credit Corp. on behalf of XXXX ( XXXX ). The {$160.00} amount due was for a service date of XXXX. I immediately called Penn Credit Corp. and told the rep I would be submitting a dispute letter, which I faxed on XXXX, because I felt it was an unfair practice to sent a bill that is approximately 11 years old. With my letter, I included a document showing the statute of limitations for PA is 4 years. On XXXX, I called Penn Credit to follow up on the status of my dispute and was told my account was placed on hold because XXXX sent me a copy of the bill. It appears that by placing the account on hold and sending me a bill instead of dismissing it, they are still expecting payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was making additional payments on my daughter 's student loan, who I am a co-signer, to be applied to principal and the extra money that I was paying for the last 2 years was applied to interest instead of principal. I spoke to the bank and they said that prior to this year, any additional money was supposed to be applied to principal but they were not going to adjust any of the extra payments to reflect that. In some instances, they took the entire amount of the extra payment and applied it to internet. I told them that it was not clearly stated that any extra money paid would be applied to interest. It is upsetting because we were trying to pay down the principal and Wellsfargo was deceitful and did not apply the money the way we asked for it to be applied. We are not told that as of XXXX of this year no money will be applied to interest. We do not agree with this and feel that them changing to this new policy will keep us in debt and will not allow us the chance to pay down the loan.

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 2017-04-15
Company: WESTERN CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Exhusband was court ordered to pay this debt. I was never notified this debt existed. The collection agency claims they notified and served me but I was not there, did not live there, and did not know this debt turned into a lien on a property I do not own the property and have not since 2013. I called for information and was told he could n't give me any without me first paying the debt in full to remove the lien. He ( XXXX ) is rude and hangs up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: NV
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:
There are 3 accounts that aren't mine and I have disputed them in the past. Against the FCRA, they keep reporting and need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wish to file a complaint against my mortgage servicer Ditech Servicing LLC for the constant mismanagement of my escrow account and continually sending me registered letters threatening to Foreclose on me, regular mailed letters directed me to get help, all falsely alleging I am delinquent in my mortgage payments. I am not. There actions are causing me and my family great emotional distress. I would appreciate your assistance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX  XXXX Balance {$910.00XXXX XXXX XXXXXXXX Balance {$840.00} XXXX Inquired on XX/XX/2021 2021

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 2022-04-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 MHC Receivables LLC sold my credit card debt from XXXX XXXX XXXX  XXXX. ( {$940.00} ) to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX failed to notify me of this sale or that I had a right to dispute violating my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Information belongs to someone else

Complaint:
Your offices have reported invalidated information to one or all of the 3 major Credit Bureaus XXXX XXXX, XXXX or Transunion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative or adverse marks are such as ( late payments, collections, charge offs, inquiries etc ) are found on any of my credit reports by your company or any of the companies that you represent I will not hesitate in bringing legal action against you with the FTC as well as any other relevant government agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character copied from affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have about 5-6 Fraud inquires reporting to my XXXX XXXX and 1 on my Equifax and they are both refusing to remove them. They said the need deletion letters from those companies but those companies will not give me them. Now I'm stuck with inquires on my credit that I didnt do or benefit from starting from XX/XX/2019 till XX/XX/2019 any inquiry from that time are all FRAUD and need to be removed. Last time I checked I had NO inquiry at all on any of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: TX
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:
Since XXXX 2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Services ... Amount {$2200.00} for an authorized/unknown 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 2017-04-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I made a reservation for an apartment on XXXX on XXXX/XXXX/17 and charged {$1600.00} on my Chase Visa credit card. I learned the next day the host was a fraud and contacted both XXXX and Chase to report the problem. Chase said they could not dispute the charge because it was still pending. I cancelled the reservation and under the XXXX policy I received a partial refund. I disputed the charge for the remaining amount with both XXXX and Chase. XXXX admitted the host was a fraud and said they were working through the issue. Chase would not agree to contact XXXX to determine if charge was fraudulent. I had the acknowledgement in writing from XXXX that the host was fraudulent. Weeks went by and Chase continued to do nothing and insisted was responsible for the charge because I knew the cancellation policy therefore I was responsible for the charge. Chase was unwilling to protect me from XXXX keeping my money for a fraudulent host. Finally after multiple emails, calls and influence from XXXX news, XXXX notified me that they would refund the remaining amount I had paid. I am actually more upset with Chase credit because they were completely unwilling to conduct any research with XXXX to assist and protect me despite the close to {$1000.00} fees I pay to Chase each year to have XXXX credit cards with their company. I contacted all the major news stations in my area because I wanted consumers to know both XXXX and Chase credits cards do not protect consumers from fraudulent hosts. In fact, XXXX is interviewing me next week on this story. I sincerely hope your organization will contact Chase and not allow this practice so that other consumers do not find themselves in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Sent letter to Equifax advising that XXXX were reporting in-correctly on my credit report. Per credit report, it is listed as a 1 mo term, which I was not residing at that location. Did not received proper proof of validation of investigation. Advise to remove in-accurate reporting. Also XXXX XXXX XXXX, is reporting a debt that is fraudulent. Incident Report # XXXX which will supplement the above mention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Since XXXX 2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Services ... Amount {$2200.00} for an authorized/unknown 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