BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-16
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XX/XX/2018, my payment was due for my student loan. I have been making regular payments for a year and some. I have however experienced a hardship and lost my job. We were strapped for money. I had to miss and delay some payments in order to meet our more important needs. Sallie Mae has continued to call me 5+ times a day, my husband as well, about the payment since the first day of the missed payment. XX/XX/2018, I called Sallie Mae to tell them to stop calling me 5+ times a day and informed them of my hardship. They didnt listen to my problem and said the calls will continue until you pay. I called for a manager and told them to stop the calls, but they still call my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have a right to privacy. Transunion and XXXX are in violation of XXXX  XXXX XXXX XXXX { Fraudulent use or possession of Identifying Information } and XXXX  XXXX XXXX XXXX { Exploitation of XXXX, XXXX  Individual, or XXXX Individual } Transunion has published on my consumer report that I owe XXXX  {$3.00} a said amount both TransUnion and XXXX  are in violation of these state statutes. And they are in violation of 15 USC 6802 Obligations with respect to disclosure of personal information. Section b which gives the consumer the right to opt out

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear [ XXXX, TRANSU UNION and XXXX ], I am writing to bring to your attention inaccuracies on my credit report. After carefully reviewing my credit report, I have identified discrepancies in my personal information, specifically my name and address. I have previously contacted your agency to request corrections, but to date, no action has been taken. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681e ), any person who willfully fails to comply with requirements under this subchapter is liable to the consumer for damages. The Act outlines that a consumer is entitled to actual damages sustained as a result of the failure or damages not less than {$100.00} and not more than {$1000.00}. 

Additionally, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Once notified by the consumer, the furnisher must cease reporting the inaccurate information until it can be proven valid. 

I have attached an image of my driver 's license, providing accurate information for correction. The current information on file, including the address, is non-mailable. I request that you promptly update my credit report with my correct and current mailing address and name. 

Your immediate attention and compliance with the Fair Credit Reporting Act are necessary to rectify this matter. Failure to do so may result in legal consequences for your agency.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Failure to properly investigate disputed accounts reporting on the consumer file. 
See attachments

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2023 I contacted the collection agency ( XXXX XXXX XXXXXXXX XXXX ) reporting the account to Transunion, in order to verify and correct the information reference ACCOUNT XXXX XXXX BY XXXX XXXX XXXX. However, the company did not provide any verification of the identity reference the account being reported to TransUnion. They sent a rebuttal and credit card statements as verification and validity of debt. 

Therefore, I contacted the original credit which is listed as XXXX XXXXXXXX for verification of identity and debt validation associated with the account. I received a letter listing the account information on file. However, the social security number associated with the account is not my social security number, the name is not my legal name and they did not provide a copy of the signed contract for me to further investigate. 

I forwarded this information to the collection agency, but they are refusing to delete and update the information on my credit file. I have attached a copy of the response received from the collection agency, as well as a verification letter from the original creditor CONFIRMING THE ACCOUNT DETAILS DO NOT MATCH MY FILE. 

I am in the process of reviewing my credit file, updating and correcting information. I have attached a copy of my social security card, my drivers license which serves as a valid ID, to support that the last four of the SSN associated with the account, per the original creditor is 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 explanation
Consumer complaint received 2023-06-20
Company: ALLY FINANCIAL INC.
State: OH
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:
Made several.XXXX  purchase that arrived damadged I contacted XXXX and they stated I need to return the merchandise to them..I requested returns fir the damadged merchandise was approved and merchandise sent back via ups. Weeks have gone by and no refunds were given. I contacted XXXX which stated that they did infact issue refunds for merchandise which would bring my card balance down to XXXX  dollars. Since no credit was issued I tried aeverall times tp contact my credit card company to no avail I have waited on the line for three hours the first time 2 hours the second time and 5 hours the third time only to be disconnected. Im trying to dispuite these charges and can boy get through to anyone. I have documented that all merchandise has been returned to the merchant and I'm entitled to a refund.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is on Transunion I have filed many complaints on them since XXXX for not removing inquiroes and two collection and 3 closed charged off accounts that arent mine I have called them and spoke to them as well i have mailed them the fdic indentity report wth a letter and still nothing

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX is fraudulent I never ordered from them someone used my information an ordered merchandise from XXXX I do not have a XXXX account this is fraudulent an shouldn't be on my credit

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, after looking over my credit report I am upset. All these inquires where not permitted by me. Not only are they incorrect, by them reporting and being visable this is commiting aggravated identity theft. These are unathorized and were not verified by me. I have called the credit bureaus send over XXXX letters. Please remove these inquires.

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 2020-06-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received this email and I have no outstanding debt with the company :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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. 

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  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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
AE Brilliant Card. Annual fee increase from {$450.00} to {$650.00}. My card was charged on XX/XX/XXXX {$650.00}. I was out of the country. Came back on XX/XX/XXXX. I check the card online and select cancel card. A message came up that {$580.00} Will credit back to my account. I called, spoke to representative to cancel card. He confirmed annual fee will be prorated. I notice no credit was returned, call on around XX/XX/XXXX, and was told no annual fee will be refunded after 30 days. Per my request, an inquiry was created and was told I need to call back and check the result. Called today, and was told no refund for a prepayment annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today XX/XX/2023, I spoke with XXXX agent Id XXXX that verified there was still a balance and the last payment was in XXXX of XXXX He also verified it showed in the notes my money was received on XX/XX/2023. This verifies they received the attached affidavit letter that came with the money order explaining if it was refused for any reason to send back the XXXX negotiable instrument with as to reason why it was refused. Capital One did not do that, instead they closed down my account without a reason why. This is XXXX and they have committed the act of extortion which is a XXXX offense. By accepting a money order and not sending it back or applying the credit to the account is embezzlement and fraud. The letter clearly stated if it was refused for any reason to send back the original instrument. XXXX months is dishonorable and way past a reasonable and acceptable time frame. The balance should have been completely XXXX pursuant to XXXX XXXX XXXX also supported by XXXX XXXXXXXX XXXX I was transferred to supervisor XXXX of the fraud and dispute dep. She could not answer my questions nor explain the violations being committed or why Capital One violated their arbitration agreement by not refusing to pay their arbitration filing fees. She stated she could not provide me the XXXX contact information as this needs some MAJOR attention for the Lies, XXXX, XXXX XXXX XXXX these XXXX are committing. She stated someone would reach me back in XXXX business days. I dont need a computer generated response, I need a higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-06-20
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ
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:
multiple companies inquired my credit without my consent

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 2023-02-05
Company: Resurgent Capital Services L.P.
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: Public record information inaccurate

Complaint:
I am XXXX XXXX XXXX and I have send letter and wrote each credit company and also keep putting the fraud account since my husband death. I dont know where to do LVNV funding # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account never had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I tried a credit repair didnt do anything I can not afford I never lived in New York for some kind cable I dont want to file bankruptcy at all if these people dont listen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX on XX/XX/XXXX about a debt on a SST credit card issued by Washington Mutual Bank, NA stating that I owe a balance of {$2900.00}. The current owner of this debt is LVNV Funding LLC.and was placed in Resurgent company for collections. This card was supposedly issued in XXXX. I have never had a credit card from this so-called bank and company and have never been contacted by mail, email, or phone about this issue to dispute it till now. I called, upon receipt of this letter, the Resurgent company and they wanted a plethora of personal information which I refused to submit to. This is a definite fraud situation and I am requesting an inquiry into this matter so it doesn't happen to other unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out several times to inform this debt is not mine. The company XXXX XXXX even admits this was a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX In conjuction with previous CFPB complaints Under the law/following you are in violation : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *** *The need of MY written consent to report Anything and MY right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ******* And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] My late payment, remarks, Account status etc ESPECIALLY legally should not be on my report anymore AS YOU PREVIOUSLY AGREED.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why and BACKINGit with laws that override the above i stated...

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 2023-11-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and equifax and XXXX collections The balance amount XXXX sent to Equifax and XXXX is incorrect XXXX Correct amount is XXXX See attached proof Trsnsuion snd Equifax refused to acknowledge my including my report from my insurance company XXXX copy attached Also the copy from original creditor XXXX XXXX XXXX shows correct amount owed to them All this information is being ignored

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge was placed on my credit card for bringing my service animal to a rental property. The rental company XXXX XXXX XXXX XXXX XXXX stated they have a strict no pets policy and they do not care if I have a service animal. Since this is illegal and in violation of the ADA title II & III I disputed it with American Express. American Express has stated that the rental companies policy supersedes the federal law. This is a class b misdemeanor in Texas as well as federal law. I did not authorize the charge and I can not agree to terms of any contract that are illegal. Again this is not a pet or an emotional support animal it is a service animal it and I are both legally protected from receiving charges for my animals presence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I made a lump sum payment from my XXXX award to Sallie Mae ( now XXXX ). Sallie Mae did not, as required by law, give me credit for 12 lump sum student loan payments. This caused me to default on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Frontline Asset Strategies, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collections on my credit report from Frontline XXXX for an unpaid balance of {$210.00}. The balance belongs to XXXX XXXX. My name is XXXX XXXX. On the invoice that was sent to me on my last cfpb complaint the invoice from XXXX stated that the billing address for XXXX XXXX is XXXX XXXX XXXX XXXX NY XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. This debt does not belong to me please remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: DCI Credit Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband had a medical bill and I thought it was paid when we sold our home with the closing costs. DCI of North Dakota hired an attorney and they cleared out my whole bank account yesterday. I tried to speak with them but she would not listen to me. She told me it was my problem not hers. I drive 500 miles a week for work and that was the living money they took. Now we do not have a dime to our names. She was very rude and I do not know what to do. I am to the point of selling everything we have to get to the next payday since my husband is laid off and we do not know if he will get unemployment yet.

Company response to consumer: Closed with explanation