BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
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 2021-03-05
Company: EQUIFAX, INC.
State: PA
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:
There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with XXXX  and 6 points with Equifax if the debt is XXXX the score should go up not down. Instead of showing the XXXX  mortgage paid in full it is showing a closed account which is wrong it should show it paid off. Number two XXXX is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look XXXX has a complaint with you about this by my husband

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Atlanticus Services Corporation
State: IN
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 reached out to this company Aspire several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the XXXX following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. Aspire keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-10-17
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit. I was shocked to learn I have been a victim of identity-theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately. I have attached my ftc report, please view attachments, by law I read these are supposed to be removed from my credit report 14 days after this open. I've attached my ftc report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
State: NM
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:
Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : 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 2018-04-26
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment company has already been contacted concerning a debt they were trying to collect on. I was able to prove that the debt was not valid. They stopped all attempts to collect and they removed the debt from credit reports. Now today I got a notification from XXXX XXXX stating that a collection from Diversified Adjustment was just added to my credit file. I want them to remove this collection account ASAP because it was already proven invalid. This collection agency is in violation of my rights as a consumer and I will take legal action if this matter isn't taken care of immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXXXXXX XXXX  I made a deposit to a US Bank branch. This machine had an error And did not credit my account. I went into the branch and they said that they could not do anything because They do not service theATM machine. they instructed me to call US Bank directly and make it a claim. 
Ive been calling almost every day for the past nine days and still have not received any provisional credit nor a response from the bank. The amount was {$1500.00}. 
I need to pay bills and rent and I might lose everything. 
Every time I call they said they will get back to me within 24 hours and I have not received any thing yet. I was hoping to contact someone else such as CFPB to expedite this process

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 2022-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  XXXX 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 an 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 non-monetary relief
Consumer complaint received 2020-03-12
Company: EQUIFAX, 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 disputed some inquires with equifax i contacted them and was told to send in a dispute document stating that the inquiries does not belong to me. I send in certify and notarized documents. for the following inquiries XXXX/XXXX  XXXX, XXXX XXXX  XXXX, XXXX/XXXX XXXX, XXXX  XXXX/XXXX  XXXX, XXXX XXXX/XXXX  XXXX, XXXX XXXX/XXXX  XXXX. I also contacted the creditor they have no record of my SSI, Name are DOB in there system/data base. I need Equifax to remove this inaccurate information reporting false information remove from my credit report immediately. Im also a victim of identity fraud with all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I paid my GM Financial account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then GM Financial has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response to your recent investigation concerning account : Portfolio XXXX. You are reporting date last active XX/XX/XXXX. XXXX is reporting different account number # XXXX and last active date XX/XX/XXXX. I would like to validate inaccuracy. If no validation Immediately remove account from my credit. 
Yet again, you failed to provide with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As you should be aware that a printout of a bill or itemized document does not constitute verification. 
Your are reporting : inaccurate date of last activity inaccurate date of last updated late pay after account was closed a charge off listed as open duplicate accounts with different account types I am formally requesting to immediately DELETE this account for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is for a credit card issued by Barclays Bank Delaware. I have a {$25000.00} credit limit and requested an increase to {$30000.00}. I have a XXXX credit score and make {$340000.00} per year. I also pay off my balances each month. They would not grant the {$5000.00} increase and would not say why over the phone. They told me they are sending a letter explaining why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received the attached letter from Bank Of the West ( BOW ) on XXXX Tuesday, XX/XX/XXXX. The letter threatens to close my accounts if updated contact information is not provided. 

My XXXX XXXX  of my account and contact information shows it to be current. 

I have spoken to the person referenced in the letter, XXXX XXXX ( XXXX ). XXXX had no information and knew nothing about the letter. XXXX referred me to the XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ). XXXX XXXX knew nothing about the letter. XXXX XXXX stated that he would have the regional XXXX XXXX XXXX ( XXXX ) call me that day ( Wednesday XX/XX/XXXX before XXXX  ). I received no call from XXXX and to date have received none. I was provided contact information for XXXX XXXX ( XXXX ) who is said to be XXXX ' supervisor. I called XXXX ( XX/XX/XXXX ) left a message describing the situation and to date have heard nothing. 

The letter ( attached below ) states that my account will be closed XX/XX/XXXX if I do not contact the Bank. 

A very similar letter was issued to me a couple years ago. I was able at that time to speak with XXXX. XXXX stated that the bank had issues with my banking withdrawals, but refused to elaborate or explain their issues. During the conversation with XXXX, I suggested that some of the BOW questions regarding my banking transactions seemed to be XXXX  driven as the transactions in question were for both XXXX names, XXXX being " XXXX '' and XXXX being " XXXX '' while regular transactions of " XXXX '' " XXXX '' and " XXXX '' were not questioned at all and were of lesser amounts. When I suggested to XXXX that this appeared to be some kind of XXXX XXXX, she became very agitated and stated that our conversation was over and there was no XXXX XXXX for my complaint. The closure threat was terminated with no explanation, or apology or further contact from the bank. 

The bank states in the letter that they were " ... ... ... .unsuccessful in our multiple attempts to contact you .... '' I received no notices from XXXX, they have my phone numbers and my email address. 

I am so frustrated that a " legitimate '' financial institution can/would issue a letter that no one in the organization has any knowledge about and there are no notes attached to my accounts. AND there has been no response of any kind after I am sent a letter threatening to close my accounts. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Navient Solutions, LLC.
State: NY
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:
I have two specific problems with Navient : 1. Navient received a payment from my refinancing company on XX/XX/. The company overpaid the loan, resulting in a negative balance. So far, Navient refuses to release the {$220.00} back to me. I requested payment within 30 days, as our loan agreement states payments are made every 30 days. I don't see anywhere that they excluded themselves from that role. I have to pay them every 30 days, so where's the same courtesy for me? 
I request that Navient release the funds immediately. 
PS - I am currently in the process of refinancing another loan out of Navient, since they've been a terrible lender and interest rates are rising quickly. If they can not pay any over-payment within 30 days, I'll be back here again. 

2. I am considering suing Navient in New York Small Claims court for the balance they refuse to provide. I requested from several customer service associates via emails, as well as with their Customer Advocate, that they give me an address where I can serve them. Everyone has refused to dodged the question. Customer Advocate said they'd get back to me this week, after stalling for one week already. So far, I've heard nothing. 
Please request that Navient give me the address where they can be served legal notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Nelnet, Inc.
State: AL
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:
Writer is co-signer for private school loans, 5 in total, which all are set to go into repayment at the same time- after the standard 6 month post-graduation grace period ( XX/XX/ ). Due to an error on the company 's behalf, one loan out of the five is listed in repayment status several months early. The primary on the loan has had many conversations on many different occasions with many different individuals to fix the issue, and has provided verification of both XXXX and XXXX graduation dates from the schools as requested by the company, however the issue has not been rectified. The last person to assist by not assisting, stated that it went into repayment therefore, they could only put it in a 'return to grace ' period, for which interest would still accrue ... ..even though it was their fault and should never have been in repayment in the first place. Which basically boils down to, we are paying extra money for their mistake which they have refused to properly rectify, despite multiple attempts on our end to fix by going out of out way to provide verifications directly from the schools. No action has been taken by the company to address their mistake. Their continued mismanagement of our school loans could not only cost us more money, but affect our credit scores and cause financial hardship. What's worse is the incompetence of customer service in not being able to address and correct what could likely be fixed in minutes with the stroke of a computer key or two. At each communication we've been assured it would be fixed, yet here we are being threatened with due dates and late payment fees, etc ....!

Company response to consumer: Closed with explanation