BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion has reported XXXX public records on my credit report. XXXX Chapter XXXX bankruptcies and XXXX judgement. I have verified with the XXXX Court and the XXXX court that they do not report to the XXXX major credit bureaus. Transunion has pulled this information from a 3rd party and therefore must be deleted.

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 2017-01-05
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested validation of this so called debt. The validation was never received. I tired this twice. The dispute was supposed to be over with on the XX/XX/2015. I thought this was taken care of because i called them asking to remove it from dispute. It is showing up as " in dispute '' ( see attached ) and should be resolved over 2 months ago. 
Due to this I have been denied my mortgage because the underwriter will not accept my file until it is out of dispute. I have faxed them to pull it out of dispute because i disputed it back on XX/XX/2015, and still showing " in dispute ''. I know my rights and i know that under the Fair Credit Reporting Act and/or The Fair Debt Collections Practices Act this should be out of dispute. This company has caused me so much grief with my family and i need it to end. I am going to fax them one more time to take this out of dispute as it should no longer be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
EOS CCA was assigned to collect on an alleged final bill from XXXX XXXX. They never sent any communication or a dunning notice to me. The address in the bill was incorrect even though both EoS CCA and XXXX XXXX had my correct address ( see attachments ). Additionally, although by their own admission the debt is from XX/XX/XXXX, they have incorrectly reported it on my credit report as XX/XX/XXXX, which will make it stay on my report an additional XXXX years. I never became aware of this debt until I saw it on my credit report. Even though they have violated the rules set to protect consumers like me, they have refused to do anything about it. I had no problem paying it, if it was legitimately owed, even though in all the years of having national grid I have never been made aware of it, if they would remove it from my credit report. They have refused to do anything to make up for their own mistakes and I am left with a wrongfully placed collection on my account. I would like this item removed from my credit report as it should never have been placed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX Federal Stafford loans serviced through Navient - XXXX of them at 2.65 % and XXXX at 6.8 %. From repayment beginning in late XX/XX/XXXX through XX/XX/XXXX, I was on a graduated repayment plan that covered interest plus put a small amount toward reducing the principal balance. This plan was one of the few repayment plans offered through Navient 's website, with no way to customize to which loans payments are allocated. Looking at my account history, it appears Navient directed all payments to principal for that time period to the loans with the lowest interest rate and paid INTEREST ONLY on the XXXX loans with the high 6.8 % rate. With the limited amount of money I could afford to pay at the time, Navient chose to direct 4 years worth of payments exclusively to my low-interest loans and allow my high-interest loans to accumulate interest in order to benefit Navient 's bottom line and take more money out of my bank account. As a federal loan servicer, I trusted Navient to do what is right for the student, however I now know better and urge other borrowers to pay obsessive attention to the way their payments are disbursed. Navient seems to make it as difficult as possible to understand how payments are distributed and even more difficult to ensure they are doing what is right for the borrower. These deceptive practices have cost me hundreds of dollars in additional interest payments since repayment began.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
See attached document for full story and facts. 
Additional document includes the XXXX extension contracts the first on for XXXX XXXX XXXX for 10 months in XXXX and the second on for XXXX XXXX XXXX for 23 months in XXXX and XXXX. Next are the XXXX original lease contracts for each car as stated above. I meant to have them in different order, but has been very hectic and stressful. I scanned at XXXX Library due to my movers stealing my brand new printer. I realize now I might like to provide additional docs for ledgers I discuss and advertisement mailed to me b XXXX XXXX for a set lower payment to purchase for 60 months then what quoted me for XXXX that only had an MSRP difference of a XXXX. XXXX attempted to defend in State Agency complaint in XXXX. I have copy that XXXX XXXX attempted to provide the State Agency that has actual advertisement cut off, when only showing body of letter portion. I will contact about how to provide that information further for your Agency. It was a lot to write about due to so many procedures I put in place that XXXX kept stopping. XXXX XXXX in XXXX AZ did n't think it was proper when hearing XXXX XXXX approved me with my daughter as cosigner for a new lease, but then refused financing to purchase my four year leased car instead. Therefore, XXXX XXXX in XXXX, AZ said we 'll get this done tonight or by tomorrow, but was stopped by XXXX XXXX and apparently the reason for the illegal taking of my car after failing to fax a payoff letter to XXXX Bank to purchase the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: I.C. System, Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
RE : acct XXXX I spoke with XXXX On XX/XX/2017 and agreed to do a pay and delete on an outstanding debt. As of XX/XX/2017 I paid the agreement amount of {$130.00}. However, since that time the debt still appears on my tradeline with all XXXX credit bureaus. I have spoken with several agents and supervisor and recently spoke with a manager named XXXX who on several occsians, most recently XX/XX/XXXX and XX/XX/XXXX who indicated information was sent to have the tradeline removed and yet it still appears. I was also advised on several times by the same manger that he would have a delete letter sent and its has now been two weeks and still no letter. Several phone agents advised that the same letter would be emailed, and still no letter. However the manager advised the letter could only be sent via mail. I have received nothing but conflicting information, and now that my debt has been paid they are refusing to remove the information from my tradeline. These collection agencies collect on accounts but then they do not honor the agreement. The requested documents are never sent and when you call, you are either disconnected or told there is nothing they can do. In my recent conversation with XXXX he advised that they would not contact the credit agencies and that he could not control the mailing time. He also indicated they would not be re-sending a letter. This collection agency has used false practices so that I could pay the debt. Now the debt is paid and still remains on my account and is still affecting my score, although it has been paid. I was told my the initial phone agent, several agents in between and the manager that the debt would be marked as paid and DELETED BUT NOTHING HAS BEEN DONE. Please assist me in getting this matter resolved and accept my complaint against the misrepresentation of this collection agency.

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: TN
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:
I submitted a complaint and tried to dispute it through XXXX XXXX, but nothing happened. I have an collection on my account that was supposed to come off but never did. I paid it already, and the addresses on my report are outdated.

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 2016-06-13
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XX/XX/XXXX Honda Accord at the XXXX XX/XX/XXXX.The rate was high and my payment was {$400.00} a month when I had a good credit. I just found out that Honda was taken to court for charging higher interest rates to XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Credit card
Issue: Sale of account

Complaint:
I wanted to report that a Sourh Carolina magistrate judge granted Portfolio Recovery Associates a {$2000.00} judgement against me today even though the lawyer representing XXXX had no original account documentation and no chain of custody from the party they claim was the original creditor, XXXX Online bank. The account was opened according to their records in XX/XX/XXXX. Their evidence was three statements. One from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PRA claims they purchased the account from XXXX XXXX XXXX and they simply provided an assignment of a portfolio number. I argued that I did n't even know the original creditor and there was no chain or custody from them to XXXX and no original paperwork showing my signature or the terms. I cited a civil suit that the consumer protection agency won against the law partners of XXXX stating that they are now required to show original account level documentation and a complete chain of customary. The judge allowed a notarized affidavit from a representative of PRA to be used to establish the accuracy and authenticity of their claim although the rules I received from the court said no written witness statement, even notarized were allowed. The judge would not even review the civil case and admonishments from the consumer protection agency against XXXX and quickly ruled against me because I acknowledged I once had a XXXX account. I argued the amount was not verifiable but he did n't care. Does the case you won against them have no meaning for future consumers being affected by the same shoddy, unethical practices? The judge said even if I had won today I would have had to come back for a trial and prove the debt was not mine! And the amount was n't right. How do you defend against that? It 's like if they say you owe them, you do. As far as I can see, PRA, who was also fined and admonished by the consumer protection agency and cooking and winter are back to business as usual and still winning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
An online banking Service VENMO has received money on my behalf but will not release the money to me claiming the account was frozen due to suspicious activity, however the only activity I attempted was to retrieve the money. 

Continued contact with VENMO included their request for bank statement and drivers license which was supplied to them, but they still will not release the money sent to me. 

I am charging VENMO with THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 providing this statement pursuant to 15 U.S. Code 1692 ( a ) ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1602, The term cardholder means anypersonto whom acredit cardis issued or a personwho has agreed with thecard issuerto pay obligations arising from the issuance of acredit cardto anotherperson. 


REASONS : 1. Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act XXXX XXXX.

2. You are also acting as a debt collector attempting to collect a debt from me which is also a federal violation as well Pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) ( B ) and 15 U.S. Code 1692e ( 7 ) ( 8 ) ( 10 ).

3. Pursuant to 15 U.S. Code 1681 ( e ) and all that apply, every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user prior to furnishing such user a credit report. No consumer reporting agency may furnish a consumer to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681 ( b ) of this title. 
4. Additionally in compliance to 15 U.S. Code 1681 ( o ) ( a ) ( 1 ) any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the the sum of any actual damages sustained by the consumer as a result of failure.

5. As the consumer, original creditor and card holder I am demanding you to delete the account ( s ) listed below unless upon proof of claim is rebutted by sworn Affidavit under the penalty of perjury the following interrogatories : Was written consent or authorization given by me the consumer?

Was there not a violation of my privacy pursuant to The Privacy Act XXXX XXXX?

Are you not attempting to collect a debt from by alleging a debt is owed?

Am I not the consumer, original creditor and card holder.?

If you cant provide proof delete account ( s ) immediately. 

XX/XX/XXXX, XXXX {$10000.00} XX/XX/XXXX, XXXX {$1600.00} XX/XX/XXXX, XXXX {$2700.00} XX/XX/XXXX, XXXX {$3900.00} XX/XX/XXXX, XXXX {$3500.00} XX/XX/XXXX, XXXX {$210.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$440.00} XX/XX/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 non-monetary relief
Consumer complaint received 2016-10-04
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter from EOS CCA ( " the Company '' ) in XX/XX/XXXX and disputed the validity of the debt. I recently received a letter from the Company that they were using to verify the debt they were trying to collect. The items that were supplied show dates as of XX/XX/XXXX although I told the company that the debt was settled XX/XX/XXXX with the original agency. I am asking the company to verify that the account is a current account and they are pushing that burden on me although this is a requirement they should be doing. I have contacted the child support agency they are claiming to collect for and they are stating my account is closed with no balance, so I am sure this is why I was provided with documents from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: ROWLETT MORTGAGE LENDING, LTD
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was in the process of getting a home loan and was referred to this loan officer by my realtor. The loan office went missing in action many times when we were dealing with time sensitive issues. I was given excuse after excuse for why we were left in the dark. She gave me multiple dates to show up at closing when my file I found out was not even out of underwriting. I understand closing dates getting pushed back but not when we are told to show up at closing multiple times with no result. I was told a certain amount would be charged to my debit card for appraisal and I was charged {$65.00} more than I consented and was not given an explanation. She had me pay for a rush appraisal to close on time and it was not needed because we were never gon na close on the date she said. The real reason for the complaint is the lack of communication and us almost losing our home loan. When I gave the company a bad review XXXX XXXX ( the loan officer ) sent me the nastiest text message and threatened to pull our loan if I did not take down the review. I contacted her boss immediately and she was so embarrassed. After I sent her boss the txt messages she told me that was the most unethical thing she has ever seen and was very sorry. XXXX, the owner of Rowlett Mortgage then took over my loan and took care of us. XXXX also made it right on the charges that should not have been on my debt card so kuddos to the owner of this company. I felt attacked in her txt message and she was using all my personal info that she had collected for my loan to attack me. She talked about my finances and my divorce and this is someone that I trusted with my loan and my personal info I have no clue who else she has shared my personal stuff with. My husband was freaking out because we were suppose to finally close the next day and he thought she was going to pull our loan so I bit my tongue and sent an apology txt to her just to save face but I only did that so my family would have a home to move into. I lost my old home in a XXXX and buying a home was suppose to be a good happy time. XXXX gave us broken promises, threats, and used our personal info in our file to threaten me. On top of all of this nobody ever went over my loan with me. I did not know I was paying points to buy down the interest rate until I went to closing. I was quoted the rate but did not know I was paying for it.

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 2017-03-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I rented a car from a XXXX at XXXX that put a hold on my card that was equal to over 5X the cost of my rental. I was informed that when the car was returned that the hold would be released immediately. When I returned the car I verified with the merchant that they had released the hold and I had a conference call with the credit card company so that they could verify directly with the merchant via the transaction ID that the charge was not valid and that they could release the hold however the credit card company refused to do so. The credit card company was AT & T Universal Card and I have been a card holder with them for 20 years and they refused to even issue a pending credit back to my card to allow me to rent another car which was needed for a trip out of town despite verifying directly with the merchant that the charge that was in their system was not valid. I consider it fraud to hold a credit on an account that is not valid and can be proved not just via paper receipt but directly via merchant.

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