BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XX/XX/XXXX I wrote to each of the 3 credit bureaus : Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Creditor : XXXX XXXX, Account : XXXX Reason : Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Then again on XX/XX/XXXX whe I disagreed with the results : Creditor : XXXX XXXX, Account : XXXX Reason : The status on this account is incorrect and This account was paid in full. Delete collection/chargeoff because it is inaccurate. Delete comments because they are unproven. 

It has been months of back and forth with the bureaus and XXXX XXXX and changes to mistakes on the reporting. ( 1 ) it was not a repo and XXXX did not provide a debt validation to me ( see attached ) so how did they respond to the bureaus. ( 2 ) One bureau corrected it only to later change the reporting. ( 3 ) a charge off can't be paid and have a {$0.00} balance. I don't know what XXXX is trying to pull but I made the payment on this account according to the contract and now they are trying to do some bait and switch tactics while acting like I didn't write to them. This is ridiculous! It's hurting my score and making me look bad. Please remove this inaccurate reporting! 

And shame on the credit bureaus for not doing a through job!!!

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 2019-11-21
Company: BB&T CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have sent emails XX/XX/2019 and XX/XX/2019 telling I voluntarily surrender the vehicle as Im in a financial hardship and cant afford the car. Have gotten evicted and havent had auto insurance on this car in months. I have also called for them to pick the car up at address XXXX XXXX XXXX XXXX ga XXXX. They have not! They have been calling my job harassing me while Im at work and Ive asked them to not call my work.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$24000.00} account # XXXX 30 days late in XX/XX/2020, and XXXX 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: SC
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:
Filed a dispute to remove an old closed account approx 1-2 weeks ago. Received an email back XX/XX/XXXX saying the dispute was closed. Then when I logged onto XXXX XXXX its now showing as a reopened dispute and as I am missing a payment. As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: CO
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:
XX/XX/XXXX I wrote to each of the 3 credit bureaus : Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Creditor : XXXX XXXX, Account : XXXX Reason : Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Then again on XX/XX/XXXX whe I disagreed with the results : Creditor : XXXX XXXX, Account : XXXX Reason : The status on this account is incorrect and This account was paid in full. Delete collection/chargeoff because it is inaccurate. Delete comments because they are unproven. 

It has been months of back and forth with the bureaus and XXXX XXXX and changes to mistakes on the reporting. ( 1 ) it was not a repo and XXXX did not provide a debt validation to me ( see attached ) so how did they respond to the bureaus. ( 2 ) One bureau corrected it only to later change the reporting. ( 3 ) a charge off can't be paid and have a {$0.00} balance. I don't know what XXXX is trying to pull but I made the payment on this account according to the contract and now they are trying to do some bait and switch tactics while acting like I didn't write to them. This is ridiculous! It's hurting my score and making me look bad. Please remove this inaccurate reporting! 

And shame on the credit bureaus for not doing a through job!!!

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 2022-05-04
Company: EQUIFAX, INC.
State: MO
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 following accounts have violated my rights. 
XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXXE account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXXL account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 following accounts have violated my rights. 
XXXXXXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX ACCOUNT XXXX XXXXI account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.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 2016-04-09
Company: Financial Credit Network 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 resulted from identity theft

Complaint:
A company Financial Credit Network bought a debt from XXXX XXXX stating I owe {$120.00} on services that I did not render. I will fax over my police Report with a this complaint by fax.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$620.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and has a {$0.00} balance due. Reporting this account as a collection/charge-off is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.

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 2018-12-03
Company: EQUIFAX, INC.
State: NY
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
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:
The XXXX XXXX XXXX XXXX is reporting to XXXX  and XXXX XXXX erroneous information they have submitted 3 different versions of late payment now it shows charges off since XX/XX/XXXX this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XX/XX/XXXX I want this removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Resurgent Capital Services L.P.
State: VA
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:
made it very very clear i have had medicaide since 2008 since being on XXXX there should be no medical bills in my name and i have XXXX co pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i been reporting these fraudulent accounts to the three credit bureaus for a while and still havent removed them from my accounts XXXX equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I requested contact information and an address for the persons/department at University Accounting Services ( UAS ) so they could receive my XXXX XXXX XXXX XXXX Payment Request ( Payment Request ). An XXXX XXXX XXXX can be used to pay off federal student loans and I have a XXXX Loan with UAS. UAS is not registered with the XXXX XXXX XXXX XXXX and UAS needs to fill out a voucher to receive payments from my XXXX award. During this call I asked for an email after the phone call to confirm they are looking into the problem. I received no email confirmation. 

On XX/XX/XXXX, I called again to find out that this request was never looked into. I restated my initial request above and asked for a call back from a supervisor, as well as an email, confirming they are looking into my problem. I received no call back and no email. 

On XX/XX/XXXX, I called to follow up. I was able to speak to a Team Lead, who provided me with the standard address, generic email address and the general phone line. She admitted she wasn't sure what department would handle this request. During this call, I also requested my late fee be removed since I have been troubleshooting this payment request since XX/XX/XXXX. The Team Lead stated they would submit a request to remove the late fee with a XXXX. 

Later on XX/XX/XXXX, I called XXXX and they suggested I get a direct contact and email address from UAS. This would ensure that my Payment Request could be delivered to the correct address and potentially have the voucher filled out quicker to avoid additional late fees and interest. Later that day I called UAS back, an agent answered and told me they could not provide any phone numbers or email addresses for other departments because UAS keeps that internal. I then requested to speak to the Team Lead and the Agent stated that this request would need to be sent to a supervisor, requests take 10-14 business days, and that I can't submit another request because the Team Lead submitted one for me already. 

Since XX/XX/XXXX, I have been the only party to initiate correspondence about my XXXX XXXX XXXX XXXX Payment Request. I feel that there is too much " red tape '' at UAS which is causing my problem to go unanswered and unresolved. UAS has not handled my request in a timely or effective manner, causing more interest and late fees to add up on my account. My next payment is due at the end of the month and I am not confident they are taking steps to help me pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: DISCOVER BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/19 I was charged {$52.00} from XXXX ( XXXX XXXX XXXX ). This charge was fora RENEWAL of XXXX XXXX which I cancelled with them last year in XXXX. When I contacted XXXX directly they said they can't even find my transaction so my next step was to contact Discover. - I have attached the email exchange between XXXX and myself. 

I used their Chat feature on their app and it was clear they were not even attempt to understand the issue. I kept explaining that the XXXX company could not even find the charge so I ws not sure how I can work it out with them when on their end they don't see the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22, I received what I believed was a text from Chase regarding a Fraud Alert regarding a XXXX payment of {$2000.00}. I selected No, that I did not make this payment and immediately a " representative '' from Chase called me. In order to correct this, we walked me through steps to add myself as a XXXX Payee and pay myself the {$2000.00}. I did as he requested and then I received an email from XXXX XXXX  that they were confirming a transfer to him. I immediately went to the Chase Bank in XXXX and they said that they had the information with the person 's name and last four of his XXXX XXXX account number but there was nothing that can be done. This is absurd! Why does Chase offer services on their website that they do not support? This was a fraudulent transaction. I thought that I was speaking to a Chase representative. Chase even confirmed that they sent me a Fraud Alert text, but they will do nothing to help me retrieve the {$2000.00} that I was scammed out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: MECHANICS BANK
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREIDET REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATRS I HAVE THE RIGHT TO PRIVACY. 

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 USC 1666B : A CREDITOR MAT NOT TREAT A PAYMENT ON A CREIDET CARD OR LOAN ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EZCORP, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
The call was left on my moms answering service stating my moms name telling her to have me call this phone number. My mom called me, I was on my way to work, she told me that a lady called and left a message stating that if I did n't contact them they will be issuing a warrant for my arrest upsetting her. I called the number a soon as she gave it to me so I can find out what is going on a lady answered stated that it an investigation company representing EZ Corp she stated that I took out a loan and refused to pay it back, I explained to her that I had lost my job during the time I had the loan with them. The told me that if I gave them {$190.00} right then and there they would drop the case against me, I made it to work with this person still on the phone. I asked her They could let me make the payments in installments she said no I had to pay them a {$1000.00} by XXXX. I explained to her that I had just made it to work and I did n't have that kind of money on me. I asked her she please give a week to try to come up with money she said no because they sent me out three letters. I explained to her I did n't receive any letters from EZ Corp. She told me that I closed my bank account and that was trying to avoid paying back the loan, I explained to her I did n't close my bank account the bank it closed because it was in overdraft too long because I lost my job.I asked her why do I have to pay so much money back when the was like {$500.00} she said because of the interest, I said ok can you please me give a week to try and come up with the money she said I had to pay the money right now this same day XXXX talked with her about this matter. I had to leave my job ten minutes later after arriving, because she had me so upset threating me with the police. She stated that I will be picked up at my home and that larceny by check charges will be filed against me. I begged and pleaded with this person to work with me since this was our first point of contact since pay loan was taken out. I asked her if she can get the company to work with so I can pay them back, she threatening me about the police coming to my house arresting me. She told me that the corporation did n't want to work with me they really want to lock me up. She will give no info on loan other than it defaulted at my bank. I asked her where should I send the money if I 'm able to borrow it, she stated she did n't have that information to call her back when I get the money. no later than XXXX or they filing a warrant.

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 2022-01-24
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I sent payment to Discover Payment Center at XXXX XXXX XXXX XXXX AZ XXXX via USPS. I used the negotiable instrument given by Discover Financial Services via payment coupon attached to the billing statement and endorsed it as directed via the Bill of Exchange Act. This payment was delivered and received by Discover as of XX/XX/2022. The company has yet to apply the payment to the balance, and settle the account. I am aware that if the bill is dishonored, there is discharge to the extent of the amount of the tender pursuant to UCC 3-603 Tender of Payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate in the name XXXX XXXX. Whereas I believe them to be a debt buyer, WATERFALL REVENUE GROUP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

Company response to consumer: Closed with explanation