BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX has violated my rights. 

15 U.S.C. 1681a ) ( d ) ( 2 ) Consumer Report- Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Despite the Law, XXXX continues to report " Transactions '' and " late payments '' on XXXX XXXX XXXX to the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, Transunion and XXXX have overused their power of being consumer reporting agencies. With the unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

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 2022-04-19
Company: Experian Information Solutions Inc.
State: FL
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 account/s below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-01-28
Company: Credit Associates of Maui, LTD
State: HI
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
1. Credit Associates of Maui , Ltd. ( CAML ) failed to provide correct balance due and proof of calculations. Disputing the balance on my account. 

Requested proof of calculations many times via phone calls and letters from XXXX to include certified mail and return receipt dated XXXX/XXXX/XXXX. I received no response ( phone calls or letters ) from CAML. They failed to provide verification of amount due. 

Violation of XXXX XXXX XXXX ( XXXX ) ( A ) and Hawaii FDCPA XXXX. 

2. CAML mailed personal information ( dated XXXX/XXXX/XXXX ) to wrong employer. ( Improper handling ). CAML continued to mail personal information to wrong employer ( dated XXXX/XXXX/XXXX ) after my employer notified CAML in writing not to send any personal related information to their office. ( This XXXX mail was forwarded to my employer from the wrong employer ). ( For clarification purposes, I work for the XXXX and XXXX collection notices were sent to the wrong XXXX ). 

Violation of XXXX XXXX XXXX ( a ) ( XXXX ). 

3. CAML involved in deceptive practices/ inefficient internal procedures. 

CAML did not make fair attempts to contact me that my automatic payments from my checking account would be terminated ( the initial agreement states that " ... this authorization shall remain in effect until the balance is paid in full or company receives written notification from m of any intent to terminate this payment plan ... '' ). My checking account is still open and has always had funds for the automatic payments to continue. There was no reason for CAML to stop these automatic payments from my checking account other than increasing payments without my consent and/or mutual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Consumer Portfolio Services, 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:
This debt with Consumer Portfolio Services was first charged off in XXXX in XXXX. The agency is continuing to add reporting and updates to the file, as if we have been in contact and I am making payments on this debts. This is effecting my credit rating to the misinformation and incorrection being reported to the XXXX. They last updated XXXX XXXX in XXXX of XXXX. Why is this happening? If you look at my credit reports you will see for the entire year of XXXX there was no reporting, then in XXXX new charge debts being reported. The payment status should not have changed since XXXX. This validates my rights as a consumer, and I feel that the CFPB should take action on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked several times for them to stop calling me at work. They have called my HR department and several co-workers to contact me. I have repeatedly asked them to not contact me at work and it wil not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX my credit card was stolen so I reported this and closed the account. There was a fraudulent charge of XXXX that went 30 days past due because I was not aware and under the impression the card was closed. The fraud department did an investigation and determined it was fraud and so the 30 day late was to be removed from my CBR after 4 phone calls speaking with several supervisors I was assured the late would be removed and 2 months later it has not. I was also told a letter would be mailed to clear this late and that was not. 

I need help resolving this so I can get my fico score back up. 

Company XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted Equifax a number of times. My file was frozen and I contacted them the day before I was to go for a loan. The bank was unable to pull my loan. I called Equifax 3 times that day to let them know my credit has been still frozen. I then called 2 weeks later and I was still unable to pull my credit. I have been unable to get a fresh credit report since XX/XX/2021! I get the 2 bureau report from XXXX and I cannnot pull it from Equifax annual credit report. Equifax swears its fixed but it hasn't been. This goes against my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Consolidated Information Services Solutions, LLC
State: AZ
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:
These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
1. XXXX XXXX XXXX XXXX  : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
2. CIS Credit Solutions : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
3. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
4. XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
5. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
6. XXXX XXXX XXXX XXXXXX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
7. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Exeter Finance approved me for a loan on XXXX XXXX for a XXXX XXXX XXXX through XXXX. On XXXX XXXX the vehivle burned and was considered a total loss. The inital loan amount was for XXXX After all the interest accrued ( which I was not informed of from th beginning ) My insurance sent them an initial payment of XXXX which shows as clearing their bank on XX/XX/XXXX. Once that check was posted to my account Exeter show a balance on my account of {$2500.00}. My insurance sent a second check in the amount of XXXX on XX/XX/XXXX. At this time, Exeter has yet to post that check. This would make the total {$20000.00} However, it shows at this time I owe {$2500.00}, which means Exeter should owe me {$910.00}. They have not returned that money. They also refuse to give me a letter stating the account has been paid although they have RECEIVED BOTH PAYMENTS AS OF TODAY. They stated they hold the funds for 14 days. I can not get a car financed until I have the letter from them stating it was paid. So this is costing me money having to pay for a rental vehicle, due to not being able to be financed because they will not give me the PAID letter although they HAVE RECEIVED the money and {$910.00} OVERPAYMENT at that. I feel this money needs to be sent to me as I am a single mother about to lose everything I have, including my job and not be able to care for myself and daughter due to having to pay out of pocket for a rental because I can not get financed without this letter. Also, MY INSURANCE made that overpayment meaning that money belongs to ME. I have been through XXXX with this company. They are very rude. Charge outrageous rates and as I said I was never explained to that I would be paying a daily interest rate of XXXX on this loan from the date of loss. I never agreed to such. They got ALL the money they financed in the agreed upon loan which was XXXX, plus plenty of interest. They need to return the excess XXXX $ owed to me, as this single mother is very much in need!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX 2011 I requested a deferment of my loans due to being diagnosed with XXXX and not being able to make payments. The deferment was granted, but I made a mistake on paperwork which resulted in delinquencies being reported. When I realized this, I contacted Nelnet. Nelnet agreed that the months reported as late would be corrected and my deferment would be retroactive. I recently learned that this never happened. I filed a dispute with the credit agencies, but the dispute was denied by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I refinanced XXXX of my XXXX loans through Navient. When the loan went through, the amount was larger than the the loan I was paying off, and the rest of that money went to the remaining loan and satisfied several months worth of payments. During this time they were accruing interest, and it was n't billed to me. It was only visible on the statement, not on the setup screen for payments on their website. So I had no idea I was being charged this amount of money for interest each month. So now, because I paid early payments for several months, I have to pay down nearly {$500.00} worth of interest before I can even pay towards my principal. It was nice of them to automatically decide for me to take the money and put it towards several monthly payments instead of making one payment toward the principal. And I had to hunt down a number through XXXX just to be able to talk to a human. All of their " main '' numbers are just there to force you to make a payment, and will not let you talk to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX Has all 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-08-15
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!

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 2016-10-28
Company: Prosper Marketplace, Inc.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I have received an e-mail from a Prosper that my personal loan application was declined and stated that my XXXX score is XXXX. I called Proper and I spoke to customer service rep who confirmed my Ss and DOB and refused to informe me who have appliec on my behalf or the source of their info, she stated that it wo n't affect my credit while they have a full info on me. 

The name is Proper Marketpace Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My friend transfers fund to me according to my mobile number and I got a text from BOA saying that my account will be credited. However, I actually did not get the fund. The BOA said that the fund was transferred to the person who had this phone number before me because the phone number is bounded with his/her account, not mine. The BOA has tried to contact the person who received the fund, but got no response. The only solution BOA provided is to suggest me to call a lawyer to sue that person who received the money. XXXX reasons that I wan na make a complaints to BOA : ( 1 ) My friend is required to input the phone number and the recipient 's name ( My name ), but the fund actually went into a person with different name. The BOA did not match all the information. ( 2 ) I got the text from BOA saying that " xxx sent you xxx. Your account will be credited ''. " Your '' here should refer to the person who currently have this phone number, who should be me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am not exactly sure how to categorize this issue. It is in regards to the theft of my ATM card and the misuse by the thief and the bank refusing to acknowledge that I was the victim of a crime.
On XXXX XXXX 2017 my Chase bank ATM card was stolen from me while I was at the XXXX XXXX XXXX pool with my grandkids and it used at a local grocery store. Because the card was stolen from me close to my home the card was used at the grocery store I normally shop in. I discovered the card stolen within 15 minutes of it 's use and immediately called Chase and reported it stolen and the card was closed and a new one sent out.
I also called the police and filed a police report. The police report number XXXX. I am unable to get a copy of the actual report because it costs {$30.00} to request a copy and it takes about 3 months to receive it.
The thief used to card to spend {$210.00}. The bank gave me a credit for that amount while they investigated the claim.
A few days ago I received a letter stating that they felt the charge was valid and was reversing the credit. When I called and talked to them they said because a PIN number was used. It was not used by me and there is no way the thief would have it.
After many calls and many tears on my part I finally spoke with a claims escalation specialist named XXXX ( not sure of the spelling ) who found that a PIN number was not used and she would resubmit the claim with that information.
I just got another letter from Chase stating they are still denying the claim. I am desperate. I can not afford the {$210.00} and I did n't do anything wrong. I called the police and have a police report number and did everything I was instructed to do.
I am XXXX on my entire income is only {$920.00} from Social Security and this creates a huge hardship for me. I had to borrow money in order to keep my account open and to keep from incurring overdraft fees and penalties. I have been treated very badly by nearly everyone I have contacted at Chase. I was the victim of a crime and I feel like Chase is treating me like I am the criminal. I do n't know where to turn or what I can do. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Reporting company used your report improperly

Complaint:
XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  docket # XXXX XXXX  XXXX BANKRUPTCY DISCHARGED XX/XX/XXXX inquires requested on XXXX XXXX XX/XX/XXXX inquires Requested On XXXX  XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-04-19
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: Their investigation did not fix an error on your report

Complaint:
On or around XX/XX/XXXX my XXXX  XXXX card ending in XXXX opened in XXXX the account went delinquent, according to the FCRA an account XXXX only stay on record XXXX from original date of delinquency Transunion continues to report and deleted oldest pay history this keeping the account on my report On XX/XX/XXXX after Transunion couldnt resolve I sent it to capital one they returned a letter with no correction I sent yet another request on XX/XX/XXXX and again no resolution Im asking CFPB to demand that XXXX XXXX delete this account from my Transunion bureau since the original delinquencies exceed 7 year period

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