BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re : Request for Debt Validation Account Number : XXXX Dear Sir/Madam, I am requesting validation of an alleged debt your company is attempting to collect from me. According to your records, I owe {$120.00} to XXXX XXXX XXXX. Before making any payments or discussing the matter further, I would like to ensure that the information associated with this debt is accurate. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the alleged debt : A detailed explanation of the amount claimed, including an itemized breakdown of the principal balance, interest, fees, and other charges. 
A copy of the original contract or agreement between the original creditor, signed by both parties and me, shows I agreed to the debt. 
The date of the original debt and the date the debt was transferred to your agency. 
Proof that your company is licensed to collect debts in my state, including your license number and the name of the issuing authority. 
The name and contact information of the original creditor, if different from the current creditor. 
Any payment history associated with the debt, including the dates and amounts of my payments. 
Verification that the debt is still within my state 's statute of limitations for collection. 
Please note that, under the FDCPA, collection activities must cease until you have provided the requested information to validate the debt. If you can not provide the required documentation, I request that you cease all collection attempts and remove any negative information about this debt from my credit reports. 

If the alleged debt is valid, please provide the requested information within 30 days of receipt of this letter. If I do not receive the information within this time frame, I will consider the matter resolved and expect no further communication regarding this debt. 

Thank you for your attention to this matter. I look forward to receiving the requested information. 

Sincerely, 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 2023-12-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit 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:
On XX/XX/XXXX we ordered meals for our student from XXXX XXXX. The food was spoiled and children were sick. The sauces were smelly and looked rotten. We paid {$270.00}. When we did a dispute, visa told us that they do not refund or give credits for things like this. Yet we are liable for paying the credit off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I changed my legal name - first, middle, and last names- in XX/XX/XXXX. In XX/XX/XXXX, I found that none of the three credit reporting agencies had updated my name. XXXX and Experian both had a credit report under my old name and XXXX had a report under my current name but no part of my credit history. See attached PDFs of how the three reports appears in early XXXX. 

I requested guidance from the law firm that had assisted me with getting the court order for the name change, and at their advice sent each credit reporting agency a letter, accompanied by a copy of the court order, requesting them to change my name. 

In XX/XX/XXXX, I checked on my credit reports again. I found that XXXX had updated my credit report to include my credit history, but the other two basically gave me error messages : see attached PNG screenshots. I printed, completed, and mailed the Annual Credit Report Request Form for XXXX, which you can see linked to on the screenshot. And I mailed Experian at the address they listed to request my annual credit report. This was in XXXX, and I haven't received anything from them yet. 

I requested advice from the law firm again and they've suggested submitting disputes to XXXX and Experion, and a complaint to the Consumer Financial Protection Bureau. 

XXXX and Experion 's dispute forms allow for disputing incorrect personal information, but nothing for someone with a problem like mine. As I understand it, the agencies can handle changes to last name only smoothly enough, but any first name changes are a struggle for them. I gather that my situation isn't unique but their dispute forms don't make it possible to call attention to their inability to update their own records. It's not clear what my next step should be in getting XXXX and Experion to update their records, beyond this submitting a complaint here. 

I changed my legal name two years ago, and since then I have put quite a number of hours into updating the credit reporting agencies. Given the necessity of a credit score for certain things - like renting a place to live - it's unacceptable that the agencies can't reliably update their own records on their own, and that they make it so difficult to address this issue. 

Please let me know if any additional information would be helpful.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
dear XXXX XXXX This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

XXXX XXXX : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, 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 2022-05-17
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:
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 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 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. 

I have dispute numerous times/ asked for validation/ same generic response i get from Transunion

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 2023-12-16
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company reported wrong information as missed payment on my credit report and didn't updated my last payment for XXXX I'm always on tract it's the company bank problem which send back the charged amount in bank account and then again tried to charge and they do it XXXX 4 times a month And they didn't reported my last payment and they did updated the credit but didn't updated my XXXX payment On my side I'm on time and their bank is making it late so why they are blaming on me, All this started happening when I was trying to resolve the CAR Registration problem and was requesting documentation to change the registration from my name to my dad 's which is the real person and I'm just a co signer, why do I suffer all this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Resurgent Capital Services L.P.
State: GA
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:
I sent this letter to LVNV FUNDING LLC They are in violation of 15 USC 6802-6805 and the Privacy Act of 1974. 
It is also inaccurate because it's showing having different remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I filed for debt relief, The account at XXXX with a balance or around XXXX was included, After severe attempts by Freedom Debt Relief they refused to work with us. They placed the account as a collection on my report sometime in XXXX, Sued me for over {$9800.00} and before going to court they dismissed the lawsuit. 
I have sent a copy of the court order to the credit companies but they refuse to remove the collection We are attempting to refinance our house and this is causing problems with the new mortgage company, It lowered my credit score to a point where I have to pay XXXX percent more interest because of their collection

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau, Your initial questions on the questionnaire, doesn't apply in my case. Let me start by saying that my case was in XXXX, XXXX XXXX, New York court system. I was served a judgment against my part-time job from - XXXX XXXX XXXX, DBA in New York for the balance of {$8200.00} plus interest and I am XXXX years old. The marshal in this case is XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Badge No. XXXX. 

My story started with " Beneficial ' company in XX/XX/XXXX - I took out a small loan and paid them back immediately, then took out another loan, paid monies on that loan and then I lost my job, moved out of XXXX XXXX, XXXX XXXX where I took out the loans - moved to my daughter 's home in XXXX, XXXX XXXX and forward a change of addresses to everyone at the time. Since that period of time, XXXX closed their doors for business and apparently transfer their loans/debts over to 1 or  maybe most broker houses ( not sure ). 

Years after this - a company started calling me - saying, that I owed them money - which I didn't know at the time that they were debt brokers and was calling about an old debt from XXXX - they were given me a new company/ name information that I did not know, I thought that they were a fake company of some kind ) and harassed me by phone at home and my on job - at that time I was working for XXXX XXXX XXXX XXXX as a XXXX in a classroom - they were harassing so badly. After that they started sending " what look like fake court papers '' no signatures here and there, it just look like another form of harassment. So I annoyed these letters and then they contacted my land lady at the time and told her the story - this was in XX/XX/XXXX I believe. 

I would love to send all of the court information that I have about this case, to see if you can help me with the judgment still against my part-time paycheck.. Can you help me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX I work for XXXX XXXX XXXX XXXX, my position - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Thanks so much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: AR
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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NOT BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 nameXXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX 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 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 2022-10-27
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00}

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 non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-12-07
Company: Chime Financial Inc
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Chime sent emails saying my card was on the way, then another to tell me set up direct deposit. The card is shipping to an old address and was never requested by me. Not sure what kind of scam this is but theres something up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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:
The account was deleted from XXXX, Experian, and XXXX credit report. Now it reappears on my Experian credit report only.

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 2022-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 have disputed a charge on my credit card and provided all documentation showing I paid the disputed amount with another method of payment through bank of america. You charged me twice for the same transaction and refuse to remove it. You put the {$540.00} charge back on my credit card on XXXX XXXX even though I paid it on 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 monetary relief
Consumer complaint received 2018-10-30
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against World Omni Finance for reporting erroneous late payments. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with World Omni. I am at the mercy of World Omni Finance Co. and these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted World Omni and their representative says they are not reporting any late payments. Please tell me what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-09
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off a company who led me to believe that after the debt was pays they would remove completely as paid in full. 

I made them aware that the debt amount was wrong and included illegal overages so they said they would lower it. 

Once paid they marked as settled for less. 
You can see in the contract they implied no settle for less would be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit using and ATM PNC Bank and eat my money, no receipts, I went inside and now I have a case, i was assigned to a person name XXXX XXXX, I call today ( this is the second day ) to know when I will have my money back and I was told that it will take at least 10 days to know it. XXXX dollars to pay my bills ... .what Am I supposed to do now.

Company response to consumer: Closed with explanation