BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists and also Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

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 2016-08-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been dealing with Navient for a year and getting different information from different people is getting exhausting. I spoke with a member of the customer service XX/XX/XXXX for a due date change. He could not help me so he transferred me to another department. I got transferred to XXXX different people that day and no one helped me. I got a call from consumer relations on XXXX/XXXX/2016 to resolve the due date change. They agreed to change my due date effective XXXX/XXXX/2016. He also said that because I had just made a payment, I would not have to pay again for XX/XX/XXXX, and I would n't need to make a payment until XXXX/XXXX/2016. Well ... I got an email XXXX/XXXX/2016 that I was still past due. I called to find out why, and the due date change went into effect for XXXX/XXXX/2016, so according to the system, I was past due. I made a payment on XXXX/XXXX/2016 and the representative informed me that she would pull the call from when I spoke with customer relations for the due date change, and follow-up with me in 5 days with what they heard as to whether or not he did in fact tell me that I would not have to pay anything else from XX/XX/2016-XX/XX/2016. I still have not heard anything regarding this and I do not want to call Navient, because I will only get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a vehicle financed. I had an accident. The vehicle was totalled. My primary insurance paid their share of their claim to the finance company within 30 days. I carried GAP insurance. It took them almost 4 months to pay their share of the claim to my finance company. There was a small balance that I was responsible for. A  fter contacting the finance company after receiving a bill for a balance due on the account, I promptly paid the balance. The account was finally closed with a zero balance. The next thing I know I get a letter from GM FINANCIAL stating that the account indeed had been paid and has a   XXXX   balance. Then they added a remark that my account was charged off even with a   XXXX   balance. The statement CHARGED OFF, currently on my credit report needs to be removed immediately. I have been denied a car loan and a mortgage as a result of their error. Once again, it must be corrected or my credit score wo n't improve at all.
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Discover bank cashed a check fraudulently through mobile deposit. Because of this I have not been paid for the month of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On date of XXXX XXXX, 2021, I received a hard inquiry on my consumer report from XXXX that I did not authorize.

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 2016-09-15
Company: Incomm Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
PayPal/Cash - My nephew called me with a paypal/cash card number to load onto my paypal account. The amount is {$150.00}. When I load it to my account, it comes up with an error code XXXX. I tried for several days, did research online and found others with the same problem. I did as someone had suggested, but still could not load the amount onto my card. I called PayPal/Cash - all it is is a recording that lets you know the card is active and how much is on the card. My card is active with the amount. So I called PayPal customer Service, I was told I had to get the serial number off the card before they will load the amount onto my account. I called my nephew, he had thrown the card away. I called paypal back, they said without that serial number they ca n't do anything. To me this is fraud - because no one can load that money to their account, so PayPal gets that money. On XX/XX/XXXX-XX/XX/2016 I called PayPal customer service again about getting this money loaded onto my account. The person said she was writing up a resolution ticket and I would know something in 4-5 days. On XX/XX/XXXX I still had n't heard anything, and called again. The lady said the matter was closed and put me thru to resolution, which put me thru to the automated line of paypal/cash. Nothing was resolved. I put a complaint thru online about the matter, and still nothing had been added to my account. PayPal is not adding these PayPal Reload cards to accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2020-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Navient Solutions, LLC.
State: SD
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 took out a loan thru Navient formerly XXXX XXXX and I have tried relentlessly to ask them to adjust my payment so that I can afford it. This has happened over many years. There working with loan holders is non-existent. At first my payments were manageable They started at around XXXX and I paid that for a year or so. Than they want XXXX and so on and so on. I have tried working with them and they say well lets do a break down of what you can pay and we see you qualify for those payments and so we did that more than once and then they come back and say well we can not do that because you do n't have enough money to pay that payment. I know they need to get paid I have no problem in that. If I could have paid more I would have but I have other student loans. I have XXXX and I do not know how many times that they made me so mad and XXXX out that I would XXXX. XXXX can lead to XXXX. I gave the phone to my wife and I can remember many times that they made her cry and did n't care as long as they got there money. Now they threaten me with going into default. My credit was good and now I do not even care about it anymore. They want us to commit to a payment I can not afford and so I pay just enough to get by. If we lose the trailer I live in cause I pay them then they will eventually get nothing because I will not have a home to go to. They have also asked at times if I could have a family member pay my payment. I hate talking to them because they just want more and more. I would like nothing more than to have the payment at a XXXX a month. It has tripled and is on the way to quadrupling since I started paying them. Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX, 2015, I attempted to submit a dispute regarding XXXX items on my TransUnion credit report : XXXX for XXXX Bank and the other for XXXX. I made it all the way to the uploading supporting documents for my dispute and hitting the " submit '' button, but at that time, I received a notice that TranUnion can not process my dispute online and that they would mail me information on how to complete my dispute via regular postal mail because my dispute required a " manual review. " I have made countless complaints against TransUnion and their practices, and as such, they have had me assigned to a " special handling unit '' each and every time I call. In other words, because I am exercising my right to complain about them, they are now retaliating against me by slowing down the dispute process and forcing me to submit my entire dispute by postal mail. 

This would n't be a problem ; however, in addition to their retaliation against me, this also slows down the dispute process and continues to negatively impact my credit file and credit score, as a result of mail time and manual processing, which is a complete lie on their part. 

There is no good reason why I can not have my dispute processed online like everyone else. TransUnion is directly retaliating against me because of the numerous complaints I 've made against them over the years, which now has boiled down to negative, inaccurate information remaining on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number calls at least ten times a day and when I answer the phone I get immediately hung up on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
There was a phone call made to resolve the debt from my phone for a settlement. I was listening in and the rude XXXX XXXX was aggressive on the line stating he wants a payment in full, I asked if they dont settle and he stated, I said it three times already pay this in full. XXXX XXXX obviously has issues with numbers and cant count because he did NOT state anything three times and demanded payment. He gave out the balance on the account without even attempting to verify any piece of information on the phone such as street address, date of birth, or social. Therefore ; my private information was given to a 3rd party without authorization.

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 2022-07-06
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ally Financial, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX all placed inquiries on my credit reports without my authorization. I have contacted these companies along with XXXX, XXXX, and XXXX to notify them of the error because my credit was run an excessive amount of times and putting that many inquires on my credit report at one time has damaged my credit score. I was not made aware that multiple inquires across and as a consumer it has made it difficult to attain credit from anywhere because of the multiple inquires I did not authorize.

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 2022-02-25
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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2016-08-03
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi checking account under a promotion code and after meeting the requirements I confirmed with a representative via email ( attached ) that I completed all stated requirements and I will receive the bonus points within 90 days. 
Citibank closed my checking account about a month ago without notice or cause and refuse to issue the promised points.

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 monetary relief
Consumer complaint received 2022-07-11
Company: CAVALRY INVESTMENTS, LLC
State: NJ
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 have seen collections on my 3 Credit bureaus. I don't remember or recalled doing any business with them. Multiple times, I asked them to provide me with some kind of proof that I conduct business with them. Nothing was ever produced for me. When, I called them they ask for my personal info, or put me on hold for long long time. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Bread Financial Holdings, Inc.
State: UT
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:
Victoria Secret # XXXX is reporting a late in XXXX I do not owe. I tried to log in to my account and pay it but it did not go through, tried calling several times and by the time I could get someone to process my payment two weeks had passed and it triggered the late payment. This was not my fault and there should not be a late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: IN
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: Was not notified of investigation status or results

Complaint:
on XXXX2020 I sent a letter regarding inaccurate information on my credit report. Its has been well over 45 days and I have yet to receive an updates or investigation results. I feel like I am being taking advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been well over 45 days so I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account name XXXX XXXX XXXX- account # XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX XXXX account # - XXXX has violated my rights.

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with XXXX, Equifax and XXXX the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!

Company response to consumer: Closed with explanation