BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2017-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XX/XX/XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, XXXX copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: MD
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2017-08-23
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Complaint is against XXXX XXXX, XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX XXXX XXXX XXXX, who then sold the debt to XXXX XXXX, XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XXXX/XXXX/XXXX. XXXX XXXX, XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My husband and I filed for bankruptcy in 2015, case  number XXXX. XXXX has this on my credit report twice. I have disputed this three times online and attempted to contact them via phone, however after being asked to hold by the rep and left on hold for over 20 minutes, I could no longer hold. How can I get this corrected to where it only shows ONE time? I contacted XXXX XXXX, they advised the public record search only shows the bankruptcy once, not twice as Equifax has reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient is the WORST student loan company. Navient misallocates payments and suggested me multiple forbearances instead of income-driven repayment plans. They provided unclear information about how to re-enroll in income-driven repayment plans. They also call non stop, harassing me when I asked them to email. I am making {$350.00} per month and I am ONLY paying for interest. At this rate I will be paying them my whole life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient was never my loan servicer. Somehow Navient acquired my student loans without my knowledge along with valuable personal information. Navient was negligent in notification of the purchase or my loans and didn't notify me of the terms. Before I knew it my loans were in default with Navient when I placed them in deferment or forbearance with the customer service representative for Navient. Apparently the representative did not do their job and I wasn't notified. I want the defaults and history removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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:
On XX/XX/2018 I disputed withTransUnion a XXXX XXXX account XXXX reported as a charge off against my credit file. On XX/XX/2018, less than 24 hours later, TransUnion reported they did an investigation and the account was verified. 

Because I know the XXXX  XXXX account is reported in error and because any investigation into the legitimacy of a disputed account takes more than a few minutes to accomplish, on XX/XX/2018 I requested from TransUnion a Method of Verification pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to document how the XXXX XXXX account was " verified '' by providing the following within thirty days : What telephone number did you call? 
What is the name of the employee from your company who spoke directly to the above party? 
What is the job title of the employee of your company who spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party? 
If there has been written communications, please provide copies of all correspondence, copies of any and all conclusive documentation to prove that you have, in fact, conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency.

Provide the SPECIFIC date reporting that these items will cease. 

The Method of Verification request was sent via First Class Mail and facsimile to TransUnion on XX/XX/2018. ( a true and accurate copy is attached including facsimile confirmation receipt. ) Under the statue, TransUnion must respond to the request within 30 days. To date, TransUnion has failed to respond over a year later. 

After many phone calls and correspondence, TransUnion refuses to cooperate with request and continues to report the XXXX XXXX charge off against my credit file over one year later.

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 2019-12-30
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i got a statement in the mail from loancare ( my mortagage company ) on XX/XX/19 saying that i owed excrow of over {$4000.00}. there was a mistake of a charge for {$3300.00} that loancare paid to another servicer in ERROR!! They still havent fixed the problem or havent called me back after numerous attempts. i emailed them, mailed them a letter, and called multiple times. I STILL DONT HAVE AN ANSWER. It was a mistake on their part and they seem like they do want to fix it. i need help really bad, i cant take this anymore.

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 2019-12-30
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
RE : Chase Bank ATM, To whom it may concern, I want to file a complaint with the Consumer Protection Bureau. On XX/XX/2019. I use the Chase Bank ATM, that is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX to withdrawal {$300.00} dollars using my XXXX XXXX XXXX debit card ending : XXXX. Once the Chase Bank ATM Approved the withdrawal for {$300.00} dollars, the machine didnt give me the funds or any receipt, but it shows the money being debited from my XXXX XXXX checking account for {$300.00} dollars plus the ATM fee. Ill immediately filed a complaint with XXXX XXXX  and they gave me a claim number which is claim # XXXX. So, they told me to call back within 2 weeks to check the status on the claim. 2 weeks later I call again, and they told me that Chase Bank hasnt respond to their investigation, so they told me to follow-up by the XX/XX/2019, thats the final day for the investigation which the other bank institution ( Chase Bank ) should already respond to their investigation. Today is already XX/XX/2019. Ill have checked my bank account and the funds it still not available in my XXXX checking account. I will like the Consumer Protection Bureau help me follow up with this complaint, so I can get my {$300.00} dollars back. Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was refinancing my mortgage with another company. My current mortgage servicing company ( WSFS ) sent over a close out cost to the abstract company. Unbeknownst to me, or the servicing company, the pay off quote included using my escrow money to pay down my mortgage. The money in my escrow account was only for taxes and insurance, and had not been approved to pay down my mortgage, without my consent. 

I called and I talked to XXXX XXXX in the Loan Servicing Department to discuss this issue. She stated this is what they do, even though they did not have my consent to move the money. They gave me no options for planning for tax season and making sure I had enough set aside when tax season approaches.

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 2017-04-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX XXXX XXXX XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have included and attached a copy of the police report, the judgement stating the accounts are not mine and I hold no liabilty, and my drivers license. 

Confirmation # XXXX Accounts XXXX XXXX Bank Account Number : XXXX Balance : {$3600.00} XXXX Account Number : XXXX Balance : {$4600.00} XXXX Account Number : XXXX Balance : {$9100.00} Inquires XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX : Improper Repossession Practices of XXXX XXXX XXXX VIN # Dear Sir/Madam : This is a written statement to notify you of a Violation of the Fair Debt Collection Practices. 

On the afternoon of XX/XX/XXXX ; I was approached by my neighbor while walking from the mailbox located on the street corner. My neighbor ( female ) who resides at XXXX XXXX XXXX ; stated that she was outside in her yard when she noticed a tow truck driver ( XXXX male ) pulled up and was sitting directly in front of my home located at XXXX XXXX XXXX. She stated because he could not visibly see what cars was at my residence ; due to the garage door being closed. He yelled to get her attention and asked information regarding the residents living in my home and if she saw a grey XXXX XXXX. She asked him what business is it to you, and he told her he had a work order to repossess a XXXX XXXX. She told him that was none of her business and continued what she was doing. She told me he began asking other people outside about the car. She noticed after a few minutes went by the tow truck driver pulled off. My neighbor advised told me to please keep my garage door closed. I immediately advised her that I had nothing to hide and will contact the lien holder on Monday. 

Therefore, on Monday, XX/XX/XXXX at XXXX XXXX. ; I called Credit Acceptance Corporation at XXXX and spoke to Mr. XXXX at Extension XXXX. I advised him that some tow truck driver ( XXXX Male ) was asking my neighbors about the XXXX XXXX XXXX and had the audacity to state he was repossessing the car. I informed him how humiliating it made me feel to have my neighbors knowing my personal business. I told him if the driver would have knocked on my door ; I would have given him access to the vehicle. He proceeded to take down my statement and assured me he would escalate my complaint to a supervisor and have the vehicle picked up immediately. 

Furthermore, Im requesting a full investigation into this unethical business practice of this company. As a result of this unethical violation ; Im seeking to have this improper seizure and debt removed off all credit bureaus and seek damages. The creditor did not notify me in writing and/or by phone of the repossession. I was not notified of this debt and/or repossession until after Credit Acceptance received possession of the vehicle and my letter notifying them of this debt. As of this date, my letter has not been responded to by the creditor. I greatly appreciate your assistance in this matter and look forward to your prompt response. 



Respectfully, XXXX 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 explanation
Consumer complaint received 2022-10-03
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: AES/PHEAA
State: PA
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:
XXXX, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from FedLoan Servicing on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( FedLoanServicing was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Amsher Collection Services, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, we called XXXX trying to cancel our account. They told us it was the middle of the bill cycle and they would cancel the account on XX/XX/XXXX and would not bill for the next month. We sent back the XXXX box and thought it was taken care of. The next month rolls around and they billed us. We told them to listen to the recorded call as we cancelled the account. Each person has now said they will listen to it and wipe the account to XXXX. In XXXX a supervisor said the account would be wiped to XXXX. Two days ago we received a letter from a debt collector stating we owed {$100.00} some dollars. Which is impossible if they went back to listen to the recordings that XXXX stated he would wipe the account to XXXX  as we no longer had service with them in the bill date of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: World Omni Financial Corp.
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:
I accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States 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 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation