BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Conn's, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I received a letter in the mail from XXXX  consumer contact solutions. The letter stated that if I paid XXXX dollars they would wave the rest owed and settle my account. This did not happen so I tried contacting them 3 different times. Once by e-mail on XX/XX/2021 requesting a call back an an explanation as to why my account was not settled. Second attempt was by e-mail and phone on XX/XX/2021. The person who answered the phone told me I would need to contact a different department and leave a voicemail with my account number, name, and that Id like a settlement letter e-mailed to me. Third attempt was the same day XX/XX/2021 leaving a voicemail with requested information. 

I did not receive the requested letter in the 48 hour period mentioned it took on their voicemail. I did however receive a letter dated XX/XX/2021 showing a balance minus my payment amount. 

My belief is this company scammed me out of money with XXXX intention of settling my account like they said they would. I have tried twice with one credit bureau to have the status corrected and each time it was denied saying the amount owed is correct. 

I do not know what else to do to resolve this issue at this point. If I were scammed by this company I feel its important to report them so they are unable to continue to do it to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Navient Solutions, LLC.
State: NJ
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:
XX/XX/2018 I phoned Navient, account #XXXX XXXX XXXX loan group #XXXX, and spoke to a representative in order to pay off my loan in full. I wanted the exact amount I owed, on that date, to pay it off. I was given a quote of $XXXX. I paid the amount in full.  order# XXXXSince then, I have received a monthly statement saying I am still being charged interest on this loan. I have called three times and the company is fully aware of the on going issue. But nothing has changed. This is now affecting my credit report and I want the account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/ 2023, a Bank of America ADV SAFEBALANCE BANKING account was opened under my name using my personal information. I did NOT click any links in the email. 

I forwarded the emails in case they were fraudulent, to " abuse@bankofamerica.com '' as instructed on the BOA informational page. 

No one contacted me. 

Another number ( ending in XXXX ) called me on my personal cell phone - I did not give them any personal information. 

I called BOA and found out the account opened was real. They closed the account for 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 2022-02-17
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NC
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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. 

The letters are stated with items and issues. 

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 if 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 2022-03-27
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

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

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/23 Disputes were opened on multiple accounts being reported by Transunion. 
On XX/XX/23 I received an update copy in the mail of my credit report all disputes were not marked on my credit report as account information disputed by consumer. 
The following are the account not marked as disputed by Transunion 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  This is a violation of federal law Duty to provide notice of dispute

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 2023-01-06
Company: Zip Co US Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX I contacted Zip about issues I am having with the merchant about returning a purchase. They told me to reach out to the merchant which I had already done a couple weeks before unsatisfactorily. They told me to reach out again. I showed them a screenshot of not getting a response on XX/XX/XXXX for my request to return items and obtain a refund. I told them that I was frustrated and my only option was to go through my bank if Zip could not help me. They stated you have to go through the merchant again. After a few more days of not getting a response from the merchant I filed a claim with my bank. 

Now I see that they have removed my access when I have paid all my bills on time and fairly without even trying to investigate with me or the circumstances. They should have a better obligation to their customers. This is ridiculous and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : U S DEPT OF EDXXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: AZ
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:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open : XXXX XXXXXXXX Balance : {$330.00} Date Opened : XX/XX/XXXX {$330.00} Late Close : XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} Chargeoff : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) Bankruptcy : Chapter XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Collection : XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( Chapter XXXX bankruptcy  )

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 2018-03-23
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting a collection for XXXX and account was paid at 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

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 2020-03-20
Company: CITIBANK, N.A.
State: MD
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:
I was charged {$120.00} on XX/XX/20 by XXXX XXXX on my card. This amount is incorrect. I disputed it with CITI and their response was since I didn't have a receipt to prove the correct amount then I had to pay it. It was an online purchase for which I never received a receipt. Furthermore, XXXX XXXX must have not provided a bill receipt either because CITI never provided proof that I approved this charge. I have tried to call XXXX XXXX to get a receipt but I get automated response that because of high call volumes by call can not be completed. I am perplexed how CITI takes the word of a merchant without proof over their own customers. I have attached the only email I received from XXXX XXXX for this purchase. I also attached a receipt from a previous purchase to demonstrate what I should have received or CITI should have requested before settling this dispute.

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 monetary relief
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Prior complaint filed # XXXX, which was resolved with XXXX XXXX XXXX  correcting entry on credit report indicating overdue balance owed-past due {$3700.00}. XXXX XXXX XXXX account was paid for less than owed per agreement, there is no balance owed or outstanding past due ( refer to XXXX XXXX XXXX letter dated XXXX XXXX attached ). 
Trans Union sent letter ( attached ) stating the disputed information had been deleted. 
As of today, XX/XX/2021, Trans Union has not corrected the disputed information listing under XXXX XXXX XXXX  overdue balance-past due {$3700.00} on my current credit report. 
This incorrect information is handicapping and creating undue hardship in our attempt to recover from this bankruptcy and rebuilding our credit. 
We are unable to address this with Trans Union as they do not list this XXXX XXXX XXXX in our account list of when attempting to dispute this information again. But, on our credit report available for lenders, insurance companies, public utilities and real estate firms this item is listed and available for all to view that we owe past due {$3700.00}.

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 2022-03-27
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I tried to dispute inaccurate items on my credit and got no response, it is frustrating and I have a letter of explanation attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Resurgent Capital Services L.P.
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:
On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to LVNV Resurgent Capital Services by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , LVNV Resurgent Capital Services is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). LVNV Resurgent Capital Services communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). 

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. LVNV Resurgent Capital Services has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. LVNV Resurgent Capital Services must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Starting 3 years ago, I have tried to reach out to reach out to Sallie Mae to see how I can start settling my student loan and had trouble getting in touch with someone to help me get information on my account. In the meantime, my grandfather, who is the co-signer on the loan has been harassed by debt collectors threatening to sue him, but not giving any specifics of how much it owed or how he/I can settle this loan. 

Eventually I figured out my debt got sold to XXXX XXXX. 

Since then, I have reached out to get started on my repayment options with XXXX  only to have been lead to shady websites and broken links I even have been given disconnected contact numbers. This has been an ongoing process for about 2 years. 

I then was pointed to a credit repair service that I thought could help me get to the bottom of this situation. When I would talk to this service, they claimed that this loan was shown as being " none reported '' ( I have a downloaded PDF that reflects this ). The service was working for over 6 months to get this taken off my record but it didn't seem there was much else they could do, so I discontinued the service. According to the service, this would eventually get sorted out, it would just take time to reflect on the record. 

In the meantime, I have disputed the loan on my credit report on both XX/XX/XXXX and XX/XX/XXXX to see if I could resolve it this way both times the loan was verified as accurate. 

My complaint is not necessarily about the repair service, although I am unsure whether they've mislead me to believe this loan is not detected on my record. Instead, this complaint is about the loan company and a lack of feedback on how I can get information on this loan. This has greatly impacted my credit score, and I'd like to start getting this sorted as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have written dispute letters to XXXX, XXXX and TransUnion in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

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