BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX  and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! I've talked to the banks and they've agreed to correct the accounts but TransUnion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the numerous complaints and letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) So TransUnionfeels they're above the letter of the law and will not explain their policy. The accounts that should be adjusted are as follow : XXXX Bank XXXX, XXXX XXXX  Card XXXX, XXXX Bank 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 2020-08-28
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: Account status incorrect

Complaint:
Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: WI
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:
Credit Reporting agencies refused to Delete XXXX XXXX XXXX from my credit report. XXXX XXXX XXXX is reporting in accurately to my credit report. I already tried to resolve this matter with XXXX XXXX they sent a letter stating all information was accurate. The law states all information must be reporting accurately or be deleted. Therefor XXXX XXXX XXXX shall be deleted from my XXXX XXXX, Experian, and XXXX Credit Report. According to the law 15 U.S. 1681 everything must be reported accurately. Also, the law states 15 U.S Code & 1681n Civil liability for Willful Noncompliance. ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to the any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Due to these inaccuracies, it has caused me hardships. Being unable to receive lower interest rate for purchasing a home. A fair resolution to this matter would to be compensated for the damages caused by XXXX XXXX Union. Im requesting the max allowed by the courts. Which is {$1000.00} per violation totaling an amount of {$19000.00}. Im prepared to take this matter to court if need be.

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 2018-10-11
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've been served a summons on debt I was unaware of on a bill that is from XX/XX/2016. I had a medical bill from an er doctor that was turned over to collection agency. I have been at the same address for 5 years until 4 months ago and I have had the same phone number over 15 years. All of my credit reports show this information. The collections agency has made zero attempts to call me, mail me or send me anything certified. They found me at my new residence which isn't even in my name so why couldn't the collection company have reached out. I have XXXX debt in collections and always pay my bills so for them to sue me without notifying me is ludicrous. 
I have spoken with the agency and they are not willing to budge. They will not take off the lawyers fees which is {$500.00} and all the tacked on fees. I am willing to pay the {$1200.00} and {$120.00} in interest fees but they are demanding over {$1900.00}. 
I have reached out to the XXXX XXXX XXXX to file a complaint, the attorneys general office of Nevada and multiple lawyers researching my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Repeated phone calls for debt collection when I have no debt whatsoever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2016, XXXX, promoted and sold to me a so-called " XXXX '' package that promised outstanding income for selling on XXXX. The attached documentations show that XXXX XXXX did not deliver on the services as agreed. I have contacted Citibank on three occasion seeking a solution to this dispute. They refuse honor my claim on grounds that they can not get in touch with XXXX XXXX, since they have since been closed by the FTC.

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 2020-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQURIIES REMOVE OFF MY CREDIT. THESE INQURIES ON MY CREDIT REPORT ARE NOT LIABLE 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 2017-11-15
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive sent information on 2 separate occasions to the Navient Fax number, for IVR payment reduction, they never seem to receive the information. I have been asking for borrowers defense with my loans as I am in a class action lawsuit against the card issuer on which they put our excess loan amounts due to being charged ATM fees, as well as MANY other fees on OUR BORROWED loans. 

Everytime NAVIENT sends my information to me, my interest has increased, to the point now that the interest is MUCH higher than the loans themselves, Im buried under interest as they always suggest a forbearance or deferment in which case, Im accruing more interest than expected or required. 

When NAVIENT assumed my loans from XXXX XXXX, they did not lower my rates or clear the interest accrued on my UNSUBSIDIZED loans, as promised ( an OBAMA Education plan to assist students who have loans to save money ) On XXXX XXXX, 2017 a lawsuit was filed against Navient for many reasons including the aforementioned situations. 

Im in a financial hole with these loans and I will NEVER get out as they are unwilling to help and continue to claim they have never received my applications for IVR or Borrowers defense. 

I believe I should be a part of tsaid lawsuit, I DONT KNOW WHAT TO DO????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-12-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a copy of my original signed contract from Barclays financial and was sent a copy of a standard contract without my signature on it. I also requested that the company provide me with a replacement card because I lost my original card and do not have access to the online portal because of it and was denied. I also requested help to reset my online portal or to obtain my original card number in order to log into the online portal and was denied. Barclays financial is required per SEC filings to abide by certain rules pertaining to consumer credit protection. If this issue is not resolved I will file a complaint with the comptroller as well as with the FDIC related to the companies involvement in securities fraud. Under TILA I am entitled to the fore mentioned. I am requesting this issue be resolved within 30 days or I will take action by starting a federal law suit. 
Installment Loan with XXXX 's bank partner, Barclays XXXXartner Finance, a trading name of XXXX XXXX XXXX XXXXXXXX, a wholly owned subsidiary of Barclays Bank PLC, ( Bank ). 
I spoke with a representative on XX/XX/ XXXX  at approximately XXXX XXXX EST.

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 2023-03-23
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email from world finance stating that if I paid {$890.00} by XXXX this account would be settled. As of today XX/XX/23 on my credit report this account is not listed as settled and it says its past due {$890.00}. Thats not what the email I got from world finance stated or what the representative that took my payment said. I want my money back or this account listed as paid in full with a {$0.00} balance. This company lied to me and took my money. Thats fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX account balance being reported on my personal credit report is inaccurate, false, and incorrect. The account balance is not reporting a large payment sum made and therefore reporting a balance that is inaccurate, false, and incorrect. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that XXXX XXXX immediately update my credit report and only report a correct, accurate, and true balance statement at all times.

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 2023-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I submitted a application for a car loan only to be denied because of ( income ) which is a violation under ECOA I was advised by employee to submit another application which was submitted on XX/XX/2023 only to be denied again for the same reason and credit score. I sent in 3 letters to the CFO XXXX XXXX for his office to respond that they stand behind their decision and completely ignore me as a consumer and member of USAA Bank. This is a clear violation under ECOA and the Federal reserve Act. I submitted the application in good faith and I did not get a proper valuable consideration on either application. I have continued to communicate with USAA only to now be ignored and I am calling for the CFPB to assist me in this breach of contract and non performance of fiduciary duties by CFO XXXX XXXX. I as the consumer am aware of my rights and to be denied my GOD given right is a disgrace to the XXXX  people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am a XXXX year old and graduated from college is XX/XX/2014. I have been using Sallie Mae which then switched to Navient for my private loans to help pay for school. I had to apply with a co-signer ( my grandfather ) because there was no other way to apply for the loan with out him. Obviously wanting to obtain a college degree, I did anything i could to apply for my student loans. Since graduating college i used a few forbearances to get myself on my feet and start coming up with the money to begin paying my student loans back. They were upwards of XXXX $ total. The monthly payments they were expecting were not feasible for myself at the time. I eventually discussed payment options later that year and was able to receive income based payment plans which started under 300 . I was easily able to pay that and continue living a normal life with some extra money for living expenses. Then my Income Based Payment plans expired and they called to say my monthly payments would increase. I applied again for payment plan and we agreed on around 400 $ and then they increased again to around {$420.00} a month. These conversations for filled with emotion, obviously, because at this point they are taking every little bit of money Ive been saving and draining my accounts because of my monthly payments. The time came last month when i had to renew my payment plan and i was denied because i was able to obtain new money which Im not sure where this new money has come from because i havent gotten a raise. I make XXXX a month after taxes.. i pay over 800 $ in bills to live. Navient is now asking me to pay XXXX $ a month. I dont even have that in my account. They gave me the option to pay XXXX a month. I accepted it, trying to figure a way to scrape by each month. But it was denied. Now i have no way to pay my monthly that they are expecting without a decent payment plan. If they take the money out of my account i will have a negative account. What do i do? Stop paying my loans and go into delinquency? Ive paid my monthly on time and in full for the past 3 years or so. Ive never missed a payment. Im having a very hard time trying to understand why Navient will not work with me and help me out. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX my purse was stolen with all my information. I filed a police report with officer XXXX/Report # XXXX. Someone then took out a loan in my name with a company call XXXX XXXX XXXX original creditor XXXX XXXX for {$3600.00}. I filed identity theft paperwork with Experian Credit Bureau on XX/XX/2020, they removed the other item that was fraudulent from off my credit but not XXXX 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 2020-06-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested to have statement closing date or billing cycle ie. date statement is generated changed to the 1st day or beginning of the month and i got many repeated explanations mainly change day bill is due and i told them i do not care when it is due i wont to chance day when charges are computed and bill is generated and mostly i was told due date can be changed to be due dated approximately a 7 day time period repeatedly my request to change statement ending date to end of month or new statement period to begin the 1st was ignored.

Currently it is set to the 4th of the month. 

Why wont Citibank change the statement closing date to the XXXX of month? 

I called and spoke with manager XXXX on XX/XX/2020 XXXX PST and she would not help. 

XXXX told me it could not be changed in any manor. XXXX XXXX affirmed refusal to change statement closing date ie date charges are computed. System will not allow to change date bill is due which will change statement due date to date earlier than what is already set. only dates available for due date is 1 to 22.

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