BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient keeps telling me I have to pay on this loan. All my other student loans are deferred due to my income. I keep telling them I do not have the money to afford this. The only reason they will not defer is because my dad is a cosigner on the loan and he has good income. However, I do not and my dad is not helping pay this. I do not know what to do at this time. Your company calls my phone everyday every hour I have missed calls from them just on today. You all have taken money out of my bank account that I never approved of. Yes you put it back after I called and complained but at this time I am really fed up with   XXXX   XXXX   aka navient. I can not afford to pay on this loan and I do not see why you can not defer it with my other loans. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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.

XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-22
Company: EQUIFAX, INC.
State: NJ
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:
Equifax, XXXX, XXXX were sent certified letters notifying them of inaccurate information in credit report such as inquires, debt validation and outstanding information pass the 6-7 year mark to remove information according to the FFCRA. I spoke to a representative and they refuse to remove inaccurate inquires on credit file. The reporting agencies has not verify any of these inquires showing any proof that I have sign or authorized as such. I ask that any items 7 plus years get removed, any addresses and phone numbers that is not associated with me to be removed as well. My credit file is locked and is still accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section   604.
The letters are attached below.
Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.
Credit Agencies failed to prove 3 requirements and fa  iled to remove inquiries from my credit reports

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 2017-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt Collector, Portfolio Recovery has manipulated accounts from my credit report that have been reported as Identity Theft accounts and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX .   By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status.   The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due.   The purpose of this decietful act is done deliberately to damage my credit reports.   As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The CBE group, XXXX, and XXXX, ( outside collection, claims I owe {$1100.00} for cellular, I do not owe any bill, I will sue for damages if this continues, I will not tolerate harassment by phone or mail, Im warning for this to stop with a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NY
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 see there is a XXXX XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response OTDA REPORTING AS A CHARGE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.

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 2023-05-02
Company: Zions Debt Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX Veteran and I served in the XXXX war for XXXX long consecutive years. While I was in the warzone, someone stole my credit and destroyed my credit worthiness from Exceptional to Poor. Since XXXX I've worked relentlessly to correct this fraud. Finally in XXXX, I completed the task and returned to Exceptional. Well in XX/XX/XXXX, these people Zions Debt Holdings destroyed my Exceptional Credit Rating again, by placing a collection item on my account. I have never heard of these people nor have ever received any correspondence ( call, letter, text ) from them, yet suddenly a collection appeared on my report. I sent them a Certified Letter demanding removal of this item but the letter was returned. I sent it to the address listed on my credit report, but it must have been rejected and forwarded to their address listed at the XXXX  but it was eventually stamped " : return to sender. '' 10 days later. I can only assume this is a stall tactic. I requested a copy of the wet signature contract, a printout of payments and proof of ownership. As a Senior citizen Consumer it is Elderly Abuse for companies like this to target a niche market and completely destroy peoples livelihood. The guys were ( are/were ) formally XXXX XXXX XXXX and have accumulated over 300+ complaints in a 3 year period about home security system issues. They systematically fail to provide documentation for claims, yet their derogatory entries remain on peoples reports ... WHY? How long will they continue to get away with this? Read the complaints listed at the XXXX! This business model is not ethical and serve the people. IT IS NOT RIGHT! I do not deserve to be a victim of this type of tactic and I demand justice. Remove this entry from my report immediately and return me to my hard earned credit rating ... investigate these people. They even placed the entry on my Son 's credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To whom it may concern, please remove this unauthorized account from my credit report this account is fraudulent please take prompt action with doing so to delete this unauthorized account from my consumer report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Atlanticus Services Corporation
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
back in XX/XX/XXXX  I closed my account with ASPIRE CREDIT CARD because I couldn't keep up with the fees and interest I was making payments, but my balance was not going down, no difference in my balance, I continued making payment until now, but my balance does not seem to come down, Aspire credit card decided to add a new charge to my card in XX/XX/XXXX  : is call maintenance fee {$12.00} a month, plus annual fee {$49.00}. 
even though I have close my account, no longer using this credit card. 
My question is, this credit card company can start new fees at any time? 
Charge for annual fees even though I'm not using the account? 
I'm still making payments, but I'm not using this credit card any more is a rip off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
DATE OF LAST REQUEST : XXXX XX/XX/XXXX I have attempted for approximately 1 year and spoken with several agents and the USAA Executive resolution team to get my debit card for an account ending in XXXX to read XXXX XXXX XXXX XXXX XXXX. I have been with USAA for more than 20 years, and USAA representatives have verified that my card reads appropriately ; " they also verified someone removed it before it was shipped. '' I received my other card and had no problems with my name displaying correctly as this is how my cards have displayed since approximately XXXX, more than 10 years. 

I have expressed to USAA on multiple occasions that someone internally has been tampering with my account because several unexplained occurrences have occurred. 

It is disheartening that I have to go so far as a Consumer Financial Complaint on USAA to have my concerns taken seriously. The multiple complaints made about someone continuously tampering with my account, from removing coverage from my insurance when I had USAA Insurance to locking my account. There still has been no resolution, and I continue to be harassed with passive-aggressive antics by what I deduced is an employee, as they are the only ones who would have this access. 

The complaints I have made over the years ; USAA, on XX/XX/XXXX ; sent a members notification titled " Imposter Scams Are On The Rise, '' advising its members that individuals are posing as USAA Representatives ; confirming some of what I continued to express to USAA over several years ( e.g., receiving calls from USAA asking information, documents being sent asking information does not look like USAA correspondence ). 

At this point, I take it as disrespect as I have been a loyal member for more than 20+ years ; and have received multiple cards with my name reading correctly on my other account, even " after '' requesting it for the account XXXX. 

I requested a call from the Executive Resolution Office to expedite the card that I have been waiting for more than 1 year without charge to my current location. It has been sent approximately 5 times incorrectly after being verified it reads correctly XXXX XXXX XXXX XXXX XXXX before being shipped. 

The other issue with my account will be addressed using external remedies ; this has gone on for too long. 

XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: KY
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 received a notice from Experian about an collection being added to my credit report. 
After lookin into the account I called the company and the companies rep could not find the account that was placed on my file to match my ssn. 

Company reporting the false account : XXXX XXXXXXXX XXXX XXXXXXXX Representative I spoke with " XXXX '' Reps direct phone number at XXXX XXXX XXXX This is not my account, please delete as my rights are being violated under the credit laws.

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 2019-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Capital 1 bank had an offer " Deposit {$50000.00} or more to a new Capital 1 365 money market account and maintain at least {$50000.00} daily balance for 90 days to get {$500.00} bonus '' last summer. I opened an account online on XX/XX/19 and transferred {$50000.00} from my external bank to Capital 1 bank on XX/XX/19. I kept my daily balance above {$50000.00} until XX/XX/19. On XX/XX/19, I transferred some money out. I thought I already passed 90 day requirement. In XX/XX/XXXX., I contacted Capital 1 to check the bonus status. Surprisingly I was told that I was 1 day short of requirement. Based on their explanation, I have to deposit within 10 days of account opening. Then I have to maintain a daily balance of {$50000.00} or more for 90 days following the initial funding period, which is 10 days. So even I have kept my daily balance above {$50000.00} longer than 90 days, I am not qualified for {$500.00} bonus. I went back to read the fine print carefully for this promotion. It states that " Deposit {$50000.00} or more of new money from an external bank within the first 10 days of account opening. You will earn the {$500.00} bonus once youve maintained a daily balance of {$50000.00} or more for the first 90 days following the Initial Funding Period ''. It did not clearly and specifically pointed out that the initial funding period is TEN days, regardless when you funded account after opening it. I thought funding period referred to the time between opening account and funding account, as long as it is no more than 10 days. If I funded my new account on the 10th day of account opening and kept the daily minimum balance requirement for 90 days, I would have qualified for the bonus. In my case, I funded my new account on the 3rd day of account opening and kept the daily minimum balance requirement for 97 days, I am not qualified for bonus. The fine print words are very ambiguous and confusing. If it made it clear at the first place, I would have kept {$50000.00} for longer time. I hope Capital 1 Bank can reconsider my case and issue the bonus that I deserve. Thank you very much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 TransUnion XXXX XX/XX/2023 TransUnion =================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Chaplain Financial Services LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Today I received a call from a company with a  XXXX  area code. Eventually they left a message saying they were filing court papers with  my county t o sue me and will serve me at my home or job.     If my job was served, and I was unavailable then they would get my supervisor to accept my summons and I would be sued.     The number they left is for a Georgia office by Chaplain Services. Everyone is saying this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My closing dates have been changed twice once on  XXXX   XXXX    XXXX   and  one  today costing me  XXXX  $ each time because of documents they did n't find they are dogging this possess to make money I think I 've been running all over to try to move it along faster to no avail.Please help me in at with end they had me close all my credit card acconuts approximately 40 days ago and stop all reaccuring payments so they could get pay off amounts! Now I 've been late with some payments because of this! Call me or email me  XXXX  XXXX  XXXX  or  XXXX   XXXX    XXXX    XXXX  thankyou

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