BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Atlanticus Services Corporation
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:
XX/XX/2023 i lost my wallet at the train going towards XXXX XXXX, inside was cash, ny driver lic and aspire credit card ending in XXXX, someone purchase a phone line in XXXXXXXX XXXX for the amount of XXXX dollars, which they open by using my driver license and credit card, i dont have a XXXXXXXX XXXX account, credit card company wants me to pay the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX, I reached out to Navient because my autopay was taken off of my account without my knowledge. I was told that it was only scheduled for a year even though I did not receive notification it was ending. My payments have been coming out of my account on the XXXX of each month for almost a year. As a result, I was considered to be 9 days late making a payment. I went ahead and made a payment on XXXX which made me current. My first issue that I have is that I have been making timely payments in order to be eligible to release my cosigner from my loan per Navient requirements. Navient requires 12 months of on time payments before being eligible for cosigner release. Since I was in the XXXX month when they stopped my autopay without my knowledge, I do not meet eligibility criteria for cosigner release per their website even though Navient stopped my autopay without my knowledge. 

Secondly, I spoke with XXXX XXXX on XXXX regarding an administrative forebarence that was placed on my account without my knowledge when I made the payment on XXXX. I did not agree to a forebarence because I was no longer behind on my payment. She stated that it was to help me and I will not have another payment due until XXXX. However, she could not tell me if I will incur interest during this forebarence that I did not agree too or have knowledge of until I checked my account online. 

I feel deceptive business practices are taking place that is not keeping me as the consumer informed about what is happening with my payments. Furthermore, I am requesting that my cosigner be released due to me not being notified my autopay would stop. I am also requesting what are my rights after your review of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm purple XXXX XXXX Veteran and on daily anxiety medication so when I bought my home people constantly came offering products. One man came and I signed for home security because I needed to have protection and the same man came talking about panels I didn't understand completely I signed again it was mistake. The company came out and put solar rods on my roof and left panels against my home for weeks and I told them I'm not accepting this service it was wrong and the way they did my new home was unacceptable. They think they can force me to have solar panels and refuse to take me to court because they know I'm XXXX and on fixed government income so they're trying to do debt collection which I can't be garnished anyway. They refuse to remove the rods off my roof and they have been there over a year on my new home and the damage is more then what they think I will pay to have them removed so it's been a stressful problem and the XXXX has been on me about this so XXXX XXXX will not receive any payment because I was scammed into signing something because the man knew how I lived and took advantage of my XXXX to get me to sign something besides security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a senior citizen who never received services from XXXX XXXX XXXX XXXX. I called and inquired about services but never contracted to receive any services. XXXX XXXX XXXX sent a technician to my home without my consent and I turned him away telling him that I did not sign up for services. No service was installed at my residence. I began receiving bills. I called XXXX XXXX XXXX to notify them of the error. I was ignored and then I began receiving harassing bills from debt XXXX. I notified the first debt collector of the discrepancy and they quickly sold the debt to XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX sent a statement stating that {$130.00} is due. On XX/XX/XXXX, I asked this company to send me the contract that I signed with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX responded with a bill from XXXX XXXX XXXX. This is not a signed contract. I have not entered into any contract with XXXX XXXX XXXX. I never had their services. XXXX XXXX XXXX, XXXX has failed to show that I have had any services from XXXX XXXX XXXX. I am tired and I need the corporate harassment to stop. I am not consenting to any more written or verbal contact from this company or any newly assigned companies. If any of these companies have placed any negative entries on my credit report I am demanding them to be removed promptly without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Attached data. XXXX ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that XXXX XXXX continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXX card that gave me an unsecured card and increased my limit three times in one year. Why does capital one refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.

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 2023-12-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: In progress
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these items are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$42000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$21000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, Bankruptcy XXXX XXXXXXXX Date Filed XX/XX/XXXX Docket Identifier 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 2018-10-23
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:
Re : Transunion Dear Transunion, There are multiple spellings of my name and listed address that are not associated with me on my credit report that is incorrect. My name is spelled only one way XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. All other addresses and spelling of my name listed are incorrect and resulted from crime ( s ) that have taken place. You were sent a copies of an sworn identity-theft affidavit and identity-report filed with the federal trade commission. However, these inaccuracies still remain on my credit reports which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspellings of my name prohibit me from verifying my identity with creditors. Lastly, you have also be sent updated information of my current address which I lived at for the past 25 years. I have exhausted all remedies before I take legal action. The following listing in my file are a defamation of character because they are also associated with debts I DO NOT OWE.

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 2023-09-02
Company: Maximus Education, LLC dba Aidvantage
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Student loans were forgiven under XXXX Vs XXXX, as part of the agreement Advantage is required to place loans in forbearance until the loan forgiveness can be applied. Advantage has not placed these loans in forbearance and these loans are now accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$22000.00}, XXXX  XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
On XXXX XXXX I, XXXX XXXX XXXX was approved for a vehicle loan with my bank ( USAA ) and it was transferred to a dealership that was found online in XXXX   and USAA stated " they looked up their dealer license and was recognized by the DMV '' I am an XXXX XXXX military member living in XXXX  XXXX. on the XXXX of XXXX was the last I had heard from XXXX XXXX ( the dealer ) as he stated " the transport vehicle had a flat tire and I am figuring out the status myself '' I since then his phone number has been disconnected. and I have not received a vehicle, USAA did not receive a title and USAA said that " we are sorry but you are stuck with the loan ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the fair credit reporting act, XXXX, equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: WELLS FARGO & COMPANY
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 just wan na complain Wells Fargo bank bec. ever since someone hacked my card and i try to asked for a new one. until now i havent got it yet .and its been 2nd time that i use temporary card. i gave them the right information the exact address but until now i never recieve my actual debit card at all. Its bec im a poor credit person they can do that to me. This is not right ... and i cant even open a new account to otsher bank..

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 2019-07-08
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Account Control Bureau
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Control Bureau Contacted me by mail regarding an account with a company " Under The Sun XXXX XXXX '' I responded with the attached e-mail to XXXXXXXXXXXX " Disputing the validity of the debt '' on XXXX XXXX XXXX. Account Control Bureau did not investigate or provide any documentation or communication of the results of any investigation. Account Control Bureau placed derogatory information on my credit file with the credit bureau 's in violation of my rights as a consumer to challenge the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor cant prove the my driver license is accurate its another person face on identification card isnt me please have company show of identification is accurate

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 2023-09-15
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

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 2022-10-25
Company: Innovate Managed Holdings, LLC
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:
on XX/XX/22 I received a notification indicating a hard inquiry from XXXX ferderal rcredit union. The next day Innovative loan Services did another inquiry. I have not authorized neither of those to do run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: GA
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 contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2021-04-13
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:
XXXX XXXX is climbing I owe them money that I do not owe them I never opened up or used or applied for a XXXX XXXX credit card or account I did not buy anything from XXXX I have reported this to them numerous times they have yet to take it off my credit report or resolve it I am in the process of hiring a lawyer and also getting a lie detector test to prove that this debt is not mine once I prove this I will take it to court and get XXXX XXXX to pay my court cost and the cost for my lie detector test this is the only way I know to do get them to take this off my credit report and resolve this

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