BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-02-16
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( MACY'S/DSNB ) is reporting on my personal credit file with XXXX, XXXX XXXX XXXX XXXX Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw this account from my personal file ; ( MACY'S/DSNB 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 2019-09-20
Company: Synergetic Communication Inc
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is harassing me and extorting in the name of XXXX company they say that I owe them and for me that deals with scam they are sending me aggressive letters and bulgars when they call me I need them to stop harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 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 2022-03-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I was advised by my mother and confirmed by a female banker by the name of " XXXX '' at my bank, Wells Fargo ( Bank ID XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL ) they mistakenly linked my accounts to my mother 's accounts and sent her a hard copy of ALL of my account balances/statements. This was a very personal breach of confidentiality and Wells Fargo should be monetarily and harshly sanctioned. Not only does she have my personal account balances but ALSO my business account balances. This is true negligence on the part of Wells Fargo. " XXXX  '' is going on vacation STARTING XX/XX/XXXX and will not be available to discuss this for an entire week ( as she advised me today ). This has been escalated to the bank manager. 

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 2022-02-16
Company: Spring Oaks Capital, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My account was sent to a collection agency after non payment. When I requested payment history from Spring Oak LLC they have not been able to provide them. XXXX XXXX refuses to speak about the account or provide history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for Chapter XXXX in XX/XX/XXXX and have been discharged in XX/XX/XXXX. I was receiving statements from XXXX XXXX XXXX ever since my loan was reinstated. Recently, on XX/XX/XXXX, my loan was transferred to SLS. I reached out to SLS to inquire about my mortgage statements. SLS insisted I am in active Bankruptcy and because of this, I will never receive any statements. In the meantime, I am blocked from seeing any information online as well. I wanted to make sure my payments were appropriately sent and received by SLS on a timely basis, especially because I never received any payment coupons since the transfer ; and to ensure I am sending the correct amounts due since I also have an escrow account which is analyzed annually. I have reached out to SLS but due to my active bankruptcy status on their records, Customer Service would not entertain my call. I have been transferred to several departments, on hold for 30 minutes at a minimum, only to be told I was connected to the wrong department. Customer Service would n't talk to me and would transfer me to the Bankruptcy Dept. Bankrptcy Dept says I was transferred to the wrong Dept because I am not in active Bankruptcy and would transfer me back to Customer Serivce who in turn would say I was transferred to the wrong Dept and would transfer me back again to the Bankruptcy Dept. I spent 2 hours today being transferred only to end up being told the offices are now closed. 
I just want my latest statement or a payoff demand. Your assistance is greatly 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 2022-11-08
Company: Experian Information Solutions Inc.
State: NY
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:
The following issues are incorrect : : - still reporting status as of XX/XX/XXXX - incorrect past due amount and balance - last reported date of activity - incorrect credit usage percentage This account has been charged off since XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX Experian is reporting multiple outdate/incorrect negative items to my Experian credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount All of the factors above should be blank or at {$0.00}. For months Experian has allowed these negative items to remain on my report regardless of my many attempts requesting an update.

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 2016-04-13
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS unnecessarily delays payment website password resets requested from https : //www.servicingloans.com, a sub-site from XXXX This delay of hours can make the difference between an on-time payment and a late payment. The delay also encourages consumers to choose to make a payment via phone, or with a phone rep, both of which carry higher fees than processing online. 

Password reset requests on any other financial website I have used processes within minutes, not hours. I successfully requested a reset via XXXX at XXXX, central, today. It is now after XXXX, still no email. I have checked my spam folder, it 's not there either. I have experienced similar delays with password SLS password resets in the past.

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 2018-06-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have an account with XXXX XXXX XXXX XXXX. XXXX  XXXX change the Account number at XX/XX/2017 Experian use to report that account every month. I dispute the account balance one time to Experian. after that they stop report the account every month as they should. Several calls made to XXXX XXXX supervisor and several calls made to Experian with XXXX XXXX on line ( 3 Way calls ) to insert the account. No, responses from Experian. XXXX XXXX told me many times that they sand the farm to Experian to insert the account an Experian said we did not received any letter from XXXX XXXX Vis versa. that account reported before by Experian and been reported by XXXX and 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 2016-05-06
Company: Monterey Financial Services LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This company has ignored attempts to provide proof of the debt, they have ignored my request to delete this from my credit or provide what the FDCPA 15 USC 1681 623a7 requires. They have threaten ignored and seems to have a calloused disregard for my rights and the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT. 

I DO NOT OWE THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was given a student loan with Sallie Mae ( now Navient ). I was XXXX at the time and didnt know what I was doing. The initial amount was for {$10000.00}. The loan now is around {$25000.00}. Over the years Navient has urged me to pay the minimum amount of apply for forbearance with ballooned the loan up to 200 % what it initially was. Navient has been unwilling to lower the interest rate or principal amount. 

My complaint is that they use deceptive practices to naive college students to keep them in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed multiple disputes with equifax and nation XXXX XXXX XXXX. I have uploaded my drivers license showing my signature which differs from the signatures on the lease application, in fact the leas application shows the same exact signature throughout the application. this application is fraud which I told XXXX XXXX XXXX and equifax, by reporting this false information XXXX XXXX XXXX  and equifax are in violation of the FCRA, " FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete '' I will be filing suit for this violation for both parties " EQUIFAX " and " XXXX XXXX XXXX '' I want this item removed from my credit report immediatly, my drivers license shows my signature and that my signature doesn't match this application, I've been a victim of fraud some years ago, I was told that XXXX XXXX XXXXXXXX also has my drivers license, they should have seen my signature on my drivers license and knew that the signature didn't match, that means that this debt was willfully reported with knowledge of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Stellar Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received attempts to collect a debt that is not mine. Stellar Recovery Inc. is reporting a collection on my account on behalf of XXXX. I have never been an account holder at XXXX, I have never ordered any of their services, and I do not owe them any money. Attempts to dispute this collection have been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
When I initially went to purchase this vehicle in XXXX I was dealing with a sales agent by the name of XXXX XXXX at XXXX XXXX XXXX XXXX XXXX My credit score was around 712-715 so when I did the pre-approval for Capital One I was happy to have a {$2000.00} down payment and monthly payments of around {$400.00}. XXXX XXXX wanted me to trade in my XXXX XXXX which I told him I didnt want to do. I was gon na sell my car and use the money to make the down payment and monthly payments to have that auto loan on my credit to bring my score higher. I had already gotten a pre-approval and brought the pre-approval to XXXX  whom at that time decided to run my credit not once but twice and pushed my {$2000.00} down payment to a {$4500.00} down payment with the monthly payments being almost {$800.00}. I literally went back n forth with him for days telling him how if this was stated before I sold my car I wouldve declined but he waited until after my car was sold to XXXX up the price. I was able to make payments on time for a while until I got sick with XXXX and then became homeless for almost the entire year of XXXX. I just recently was diagnosed with XXXX XXXX. No one wanted to fix my issue & everyone basically looked at me as a person whom just was delinquent but didnt know my struggle. I tried to contact XXXX on more than one occasion and was never able to get in contact with him. Ive had to sleep in that same car I used all my money on. Capital One didnt wan na hear anything as far as me not being able to make payments and to make matters worse a tow guy just repossessed my car and not only XXXX XXXX XXXX XXXX but wouldnt let me grab anything out of it. Told me I should pay my bill and proceeded to drive off with my belongings in that same car, this has been a nightmare and I wish I wouldve NEVER done it, I couldve kept my CASH CAR. This company as well as the financing company is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: IL
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 I am a consumer and natural person I'm writing this complaint as a victim of identity theft. XXXX and Equifax has used and furnished my consumer report without my personal authorization, or written consent. XXXX and Equifax shared my nonpublic person information to other companies. I have a right to privacy and XXXX and Equifax has violated my rights by not exercising their grave responsibility to protect my non personal information with fairness, impartiality. and respect to my consumer rights to privacy. XXXX and Equifax are in direct violation of the Gramm Leach Bliley Act of 1999, and the FCRA. pursuit to 15 U.S Code 1681c-2 Block of information resulting from identity theft. I demand these fraudulent accounts be removed from my credit report with in the next 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone received Ohio Unemployment benefits in my name with a application date of XX/XX/XXXX. Even though I have been employed at my job since XX/XX/XXXX. Than Friday XX/XX/XXXX I received a bank statement from Keybank ( that I have no accounts with ). I went to the branch today and filed fraud paperwork with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
In XXXX I opened two secured accounts with USAA. One being a Secured Visa account ; the other being a Secured XXXX XXXX Account. I was using the cards responsibly paying my obligation monthly. In XXXX, unfortunately, I had medical issues that forced me into the hospital- not having the proper assistance, these accounts went into default. USAA used the monies that secured these accounts though an outstanding balance was left. 
USAA began reporting these collection amounts to all three major credit bureaus. # 1 ). I do not feel I owe these amounts and have inquired with USAA regarding them. I continue to get the run around. Once they sent documentation which explained nothing. # 2 ). Both accounts are being reported to all three major credit bureaus incorrectly and inaccurately. I have attached an Identity IQ credit report that I purchased for your review. Dates are not consistent, why are they reporting a credit limit on a closed account, high credit amounts are incorrect/inconsistent, date last active and date of last payment are not consistent. Refer to payment history. XXXX is reporting nothing, XXXX is reporting monthly charge offs and XXXX is reporting that the accounts are being paid as agreed. WHAT?? INACCURATE/INCORRECT/POOR BEST PRACTICES. 
I have been disputing these accounts with both the bureaus and USAA. I am being told they are verified/validated as being correct. HOW??? what is there verification methods. I spoke with USAA just last week and the woman in the collection/dispute department told me that USAA does not correct credit bureau reporting ... .that is only done by the bureaus. WHAT??

This could all be resolved if USAA would just remove these tradelines from all three credit bureaus. I've suffered with this since XXXX. XXXX is enough please.

Company response to consumer: Closed with explanation