BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My school loans should be have been deferred. I submitted the documentation they required along with a letter from my school stating that I am still in school at the beginning of XX/XX/XXXX. I have a confirmation letter of my fax to them with the required documentation needed to show my proof of enrollment. They still have not updated my payment and this is negatively affecting my credit. I filed a complaint with the XXXX XXXX XXXX  and received an email after that from a XXXX XXXX at Navient who I have tried talking with mostly through email. I also called my school after he stated that I was not eligible for a deferment and they informed me that they informed my student loan company that I was enrolled just not continuing with a course from the fall semester as they do not require students to re-enroll for courses that will be longer than 1 semester per the course requirements. I explained to him that they told me they informed them already and was told I could send the information again. At this point, I am beyond frustrated especially when the payment department keeps calling demanding payments as I'm going through all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: MIDFIRST BANK
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- Account holder passed on XX/XX/XXXX - I was nominated as personal rep of the estate via the court approved will and a letters testamentary effective XX/XX/XXXX - At the time I was named personal rep of the estate, account was held by XXXX XXXX - Provided documentation showing me as personal rep to XXXX XXXX and was added to account - XXXX XXXX mortgage service transferred to XXXX XXXX  from XXXX XXXX. I continued to receive mortgage statements each month since transfer occurred. 
- XX/XX/XXXX - received tax statements from XXXX Mortgage - XX/XX/XXXX - Filed final accounting for estate with court ( estate funds on freeze until approved by court through hearing meaning I was not able to make payments ) - XX/XX/XXXX - XX/XX/XXXX - Received multiple calls and made numerous calls to XXXX XXXX  to regarding delinquency and updating on status of estate. No issues at these times. 
- XX/XX/XXXX- XXXX approved closing estate to fund trust. Informed XXXX and had no issues accessing account at this time. 
- XX/XX/XXXX -received email and phone call from XXXX XXXX Called back to provide an update that trust has been funded and delinquent amounts will be paid in the next couple of days and was informed I am not authorized on account. A couple of issues to be addressed : 1 ) If I am not authorized to provide updates on the account, why would they be sending me monthly statements and tax documents or calling me about delinquency? This is a huge concern with their servicing process.

2 ) I provided all documentation showing court approval prior to account being transferred to a new servicer. Servicers should be transferring this information between one and another - this should not be left on the consumer to re-complete work because of flaws in an internal process.

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 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Dear XXXX XXXX Transunion XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has  already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, 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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-06-09
Company: Experian Information Solutions 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:
In accordance to 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) 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 dates back more than 7 years.

15 USC 1681s2 ( 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.

Also, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.

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 2021-07-07
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:
not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Single family XXXX EXXXX XXXX XXXXXXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following accounts and information off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$690.00} XXXX  XXXX  XXX Opened XXXX XXXX, XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX FIRST XXXX BANK Inquiry : XXXX XXXX, XXXX. I have read thatt according to the Fair Credit Reporting Act section 605b, you are required by law to remove any acounts and information that resulted due to identity theft, so please comply with the law.

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 2022-04-01
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a message that collection had been trying to serve me an I needed to call XXXX and mention case XXXX which I did and I was connected to XXXX XXXX at ext XXXX. He claime he was from XXXX XXXX XXXX in XXXX XXXX and referenced an old credit card debt, card number XXXX with an amount owed of XXXX and wanted me to pay or else he was going to file a judgement suit against me in my area for breach of contract. He then offered a settlement of XXXX which I told him I had no money Im fully XXXX. He then tried to get me to name an amount so I told him XXXX, I can pay nothing. He then told me he would be filing the case cause I disrespected him by offering XXXX payment. The call ended. I called him hours later and requested debt verification and last payment date an he said it would all be in the packet he was sending but it might be awhile. The call ended. I have since checked california XXXX XXXX and they never heard of him and neither has oregon XXXX XXXX. I XXXX  his number and there are a few similar complaints, I have found out my card was closed in XXXX  and debt sold several times. I havent made a payment since before the account was closed. There is nothing about it on my credit report, but the acct was my card.I have tried calling us bank several times and their collection department to get info. The first time they told me it was sold in XXXX  and gave me a name of the buyer who is now out of business. They would not give me anything else and if I call they just put me on hold and leave me there till I hang up. Everything I could find online tells me it is a time barred debt and is past the statute of limitations and is not on my credit report which would make it illegal for them to try to prosecute me 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 2018-07-04
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company alleges that i owe XXXX dollars but refuses to send me an original contract with my name and signature to verify the debt. ive tried to reason with them for months. the only thing they sent was a photo copy of something that i didnt even recognize. my next step is small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Alliance Collection Agencies, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021, I sent Alliance Collection Agencies a validation of debt letter for them to verify a debt they were reporting on my credit report. In XX/XX/2021, they sent me an itemized statement for my account. In this statement they included medical procedures, medical codes, and descriptions of procedures that was done. This is a direct HIPPA violation and I totally feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital one is displaying a credit card on my credit report for over {$1800.00} this account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
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:
I am a victim of Identity Theft. I have requested that the credit bureaus remove these fraudulent items that are reporting, numerous times. The credit bureaus, and creditors have never provided any proof that these are my account, no contracts or signature have been provided. The fraudulent items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these fraudulent items removed from my credit reports. They are also reporting incorrect names and addresses

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 2023-06-09
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a member with USAA for XXXX  years never to have an accident or file auto claims as I did in XX/XX/2022. After trying to get insurance again after my car is finally complete I was told to call XXXX XXXX because underwriting can not approve a policy for me. 
My issues started when I was coming home and the gate bar fell on top of my car. I called to make a claim for the damages. When the assigned claims adjuster called me we talked about other minor damages to my vehicle. Besides the roof damage, I had dents from a gas station pole when I opened my door, I had damages on the door when I was locked out my car and damages on bumper when i backed into a cement pole at a store. She informed me that USAA can fix all of those and to submit the claim. I did just that on the app in one claim. Once reviewed by the adjuster, she called and suggested to make 4 separate claims since I had no deductible. Since I didn't know the exact dates she chose the dates and recently informed me that she added dates unknown in her notes. The dates being XXXX XXXX, and XXXXXXXX XXXX 
Now I have been calling and getting different answers from different agents from policy services and claims, even one that read the note that underwriting stated not to transfer my call to them but their supervisor wouldn't return my calls so another agent suggested I speak with the director and submitted a request. He returned my call and told me his adjuster did the right thing with the claims and would not have known it would affect my consumer report like it has or cause USAA underwriting to not approve me since she is not knowledgeable in that area. I would like this investigated and resolved because these claims have ruined my reputation as a driver and consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: HYUNDAI CAPITAL AMERICA
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:
I purchased a new car from Kia Motors Finance in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXX west where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a post office box. I can only assume that the mail was returned to Kia by the USPS. I went to the dealership who told me that Kia would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a 147 point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. 
I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: IA
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:
My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: Account information incorrect

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and deposited XXXX into my checking account. That same day I raised my spending limit to call and pay bills from the money in the checking account. I called XXXX XXXX on XX/XX/XXXX which XXXX XXXX decided to not process the day I told them to and attempted to Charge on XX/XX/XXXX days later then what I requested. the money was still available but at the time I didn't have a limit increase so that the large payment couldn't process. The branch manager wrote a letter and also attached the policy for spending limits. I tried reaching out to XXXX XXXX several times they won't help me with this matter. They did admit not charging my card and waiting XXXX days and also that were not willing to work with me on settling this 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