BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Unauthorized Inquiries TRANSUNION XXXX DATE XX/XX/XXXX. Please verify these credit inquires that pulled/ viewed my credit without my permission. Within XXXX business days in compliance with FCRA. TRANSUNION AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Transunion received a letter from creditor that account has never been late then the creditor changed it back I have called and argued for six months and transunion will not provide any documentation ( XXXX   XXXX Account ) Opened 2018 ending in XXXX And a Bankruptsy is reporting in Public Records and no proof has been provided as required by 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 explanation
Consumer complaint received 2023-12-04
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I contacted the mortgage company when I noticed on my statement that my additional principle payments were being held in a suspense account instead of being posted on the day it is received. I make all of my payments through my banking bill pay. I make my regular payment on the XXXX of the month and then an additional payment to principle on the XXXX and XXXX. They are holding additional payments and posting them on the last day of the month. The loan interest is calculated on a daily basis, therefore they are charging me interest on the balance excluding my payment being held through the end of the month. Then they add these additional interests to my balance before posting my payment. They should be posting my additional payments to the principle on the day it is received. I called them to ask why this was happening and they told me this is their policy and if I make additional payments, I have to call them directly, mail it directly to them, or to do it on their website only. They said they would NOT post additional payments coming from my bank on the day it is received to my principle balance. I then tried to make additional principle payments directly to their website but it will not accept any, the website will only be accept it with an additional monthly payment. Please help! XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-30
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:
This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below is the account from my credit report : No Category 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 2022-06-16
Company: Payfare International Inc.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX my card account was hacked and my login info was changed and I could not access my account. I had XXXX dollars in the account at the time it was hacked and stolen. I contacted the company ( payfare ) and was told it would be looked into and they would get back with me in 24 hours. After 24 hours I was not contacted so I contacted them again and was told it was still being looked into and would be another 24 hours. I still have not heard from them after a further 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing my credit report I noticed a credit card in bad standing that I was unaware of. Upon contacting the original credit company they stated that the debt was sold to LVNV Funding. I have disputed this debt multiple times and have not come to a resolution. When contacting the credit collection agency I have requested statements and other documentation that they were unable to provide. I was directed back to the credit card company who would also not supply information stating that the collection agency now has all information. The debt collection company and the credit card company both are unable and unwilling to provide me any information about the debt but will also not remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have autopay enabled for this account and typically pay make extra lump sum payments as well. The account overview page on the app indicates no late payments or fees and I have received no calls or emails from Bank of America indicating any issues with payment processing ; however, yesterday I received notice that they reported the account as delinquent to all three credit bureaus. I attempted to resolve the issue with Bank of America directly and they declined to offer any assistance. I have never missed a payment and this error dropped my credit score from around XXXX to around XXXX. I am disputing with all three bureaus, but would like this issue resolved quickly.

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 2023-12-04
Company: Affirm Holdings, Inc
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have attempted to dispute inaccurate items on my credit report. I have provided sufficient evidence showing that the item is fraud. 
XXXX. XXXX XXXX submitted documents proving fraud occurred 2. Affirm- was never given the option to dispute purchase. Affirm did not allow me to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: CURO Intermediate Holdings
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
My husband and I received a bill from Speedy Cash on XX/XX/XXXX for {$400.00} due immediately. I contacted the company to let then know they had the wrong person. They wanted me to surrender my husband 's social security number and date of birth before they would even discuss the account with me. I refused, because we did not take out the loan. They transferred me to the Fraud Department. They refused to talk to me because the loan was not in my name. 
We received a second letter dated XX/XX/XXXX. It stated that since we were claiming that we didn't open the loan, they were putting a hold on the account for 30 days. We would have to contact our local police department to file a report and then they would release the information concerning the loan. I spoke with the police department. They stated that at this point there was not enough proof that a crime had been committed, therefore they could not open an investigation. They asked me to try and get the information from Speedy Cash, then they would have information to work from. 
We received a third letter XX/XX/XXXX stating that they REQUIRE a police report and/or notarized FTC affidavit, along with a copy of my husband 's drivers license by XX/XX/XXXX or the account will be sent to collections department and activity will resume as allowed by law. 
We received a fourth letter XX/XX/XXXX, which finally gave us the account number, the amount of the loan, and that it was applied for online. We called the company, gave them my husband 's date of birth, last four of his social security, trying to resolve this issue. The person we spoke with stated that he still could not release any information until we verified more information or we have the police department call them for the release of the information. 
We did not take out this loan and require help to stop this harassment from Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRO COLLECT IS TRYING TO COLLECT ON THIS DEBT THEY CLAIM I OWE THEM. I HAVE ASKED THEM TO PROVIDED A DOCUMENT OR AGREEMENT BEARING MY SIGNATURE SHOWING THAT I HAVE A LEGAL BINDING CONTRACTUAL OBLIGATION TO PAY PRO COLLECT. THEY HAVE FAILED TO PROVIDE THIS AND CONTINUE TO REPORT TO THE CREDIT AGENCIES WHICH HAS HAD A NEGATIVE EFFECT ON MY CREDIT REPORTS. THEY KEEP SENDING A LEASE AGREEMENT FROM AN APARTMENT COMPLEX IN XXXX TX WITH THE NAME XXXX XXXX XXXX, AND XXXX XXXX, WHICH IS NOT 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 2022-01-31
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022, I called to make some corrections to my account the person on the phone picked up the phone took it off the hook, and I can hear the person working on the phone at the office instead of saying anything the person is leaving the hook off the phone. I have a I encountered this XXXX XXXX XXXX they usually do this often, I was a patient there somebody called and the person picked up the phone and left it off the hook and this is what U.S. bank is doing this morning time now is XXXX Am Central it reflects back on the company ah I demand apology for

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 2022-01-31
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-04
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an opportunity to pull my credit report on XX/XX/2023. I found that Spring Oaks Capital was listing a collection for {$910.00} with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed. I would really like for someone to look into this for me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Around the beginning of XX/XX/2019 at about XXXX when i got home off work. My son in bed and as im about to lay down also i get a knock at my door. A random man asking to enter my unit claiming to be the maintenance that lives under me and my shower was leaking in to his unti. He stated i needed to open my door at XXXX pm at night to look at my shower to fix what was wrong. I absolutely refused because he couldn't identify himself, i didnt even run the shower to leak in to his apartment, and it was XXXX at night. Due to this indecent they are claiming i was late and tried to charge me for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
Applied for a company credit card at XXXX. American Express did a hard credit inquiry on my account without my knowledge or authorization, either written, verbal or implied. I contacted the credit bureau, they referred me to Amex, who ran me around for quite some time then told me that they could not remove it per policy. No last names were given. 

I spoke to a XXXX and an XXXX. 

XXXX, no last name was the supervisor who declined to discuss it with me or even come on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: IL
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:
Hello back in 2019 I submitted identity theft report in 2019, I had my identity and info compromised not once but twice but twice when the Equifax breach happened my name has been dragged through the mud and I owe money to a bunch of accounts that I didn't even apply for my phone was stolen had all my info in there, got so many calls and inquiries on my report that I did no authorize, reported to police no one ever followed up with me and I've been financially sturgglince since then and throughout covidXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am one of the backbones of this country XXXX XXXX XXXX and I have gotten no respect, from anyone, this has brought me to XXXX XXXX XXXX I have documented proof of my depleting, mental health!!! filed two police reports and test bureaus refuse to remove this false info, and have never even validated debt never gave me original statements and paper work, these companies have recouped their money and I and my family are still broken. I NEED HELP, I CAN NOT continue to struggle like this, my family is suffering!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CarMax, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hope this letter finds you well. I am writing to you for the second time regarding the incorrect information that you have been reporting on my credit report. I had previously contacted you in a respectful manner, expressing my concern and trust that you would rectify the situation promptly. However, it appears that the matter has not been resolved yet, which is deeply disappointing. 
Once again, I must reiterate that the late payment information associated below is incorrect : Account Name : CARMAX AUTO FINANCE Account Number : XXXX Reason : Incorrect late payment Account Name : CARMAX AUTO FINANCE Account Number : XXXX Reason : Incorrect late payment Please remove ALL late payments- there should be NO late payments reported here. I maintain meticulous records of my payment history across all my bills and accounts, and there should be no indication of any late payments on this particular account. It is evident that an error has occurred, and it is essential that this issue is rectified immediately. 
The incorrect reporting of late payments is severely impacting my ability to obtain credit, as it continues to have a detrimental effect on my credit score. I have consulted with credit experts who have advised me that there are legal provisions in place to ensure that inaccurate credit information can not be reported. It is with this knowledge and determination that I once again insist that you take immediate action to remove the late payment marks from this account. 
I want to stress the seriousness of this matter to you. The inaccurate reporting is not only causing me financial distress but also undermines my confidence in your ability to handle my account responsibly. As a valued customer, I believe it is within my rights to expect accurate and fair treatment. 
I kindly request that you review this matter urgently and provide me with written confirmation of the correction made to my credit report. I expect a prompt resolution to this dispute to avoid any further escalation of the situation. Please understand that I am prepared to take any necessary steps to protect my rights under the applicable laws and regulations. 
I appreciate your attention to this matter and look forward to your immediate action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: OH
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 am requesting a Metro 2 Compliance review on these unknown accounts on my credit report that lack information that makes the account unverifiable.

I feel it is best to release your reporting of this disputed information at once I will have no choice but to commence the unpleasantness of Section 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. PLEASE DELETE/REMOVE THE FOLLOWING 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 explanation
Consumer complaint received 2023-07-21
Company: Navient Solutions, LLC.
State: NE
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:
I had student loans taken out in XXXX. Navient bought out Sallie Mae, my servicer. Navient has not submitted information to XXXX XXXX ( DOE ) that payments were made prior to them buying Sallie Mae. Navient has that information because I can see it when I log into my payment history. It shows XXXX to XXXX. But what was submitted to XXXX was XXXX on. I can not get my XXXX qualifying payments because not enough exist at XXXX. It's been a full year since requested and Navient has not sent on my full payment history. 

My loans from XXXX should also count but those were with DirectLoans, and XXXX and XXXX but those put me far over so I don't need them as much as I need the ones from Sallie Mae and Navient. 

At no time did I request changes in servicers, the switching was at their business end selling my loans.

Company response to consumer: Closed with explanation