BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Resurgent Capital Services L.P.
State: LA
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:
Lvnv funding is saying they have bought an account from XXXX  XXXX XXXX  that is a charge off account but I have an open account with them that Im currently using. This fraudulent Ive attached my current statement to prove what Im saying to be factual. Also Im waiting for a signed contract showing me and lvnv funding have Busienss, according to the frca they must provide it or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OK so out of nowhere, I started receiving letters about debts that were owed. 
On XX/XX/XXXX, I received two separate letters from Transworld Systems with an attempt to collect a debt for $ XXXX. ** and then the other for $ XXXX. ** with outrageous late fees that were included with both amounts stated above. 

The first letter stated as of XXXX XXXX I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** The second letter stated as of XX/XX/XXXX, I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** I contacted them because I thought it was from a doctor who got shut down by the Feds for fraudulent insurance billing, but then I figured out it had nothing to do with this doctor or the practice that was shut down. The only thing they told me about the dept was that it was for services on XXXX which would be impossible for reasons I can prove. Also, I have never heard of this company, nor have I ever been sent a regular bill from them either. So I have no idea where these depts are from, nor do they belong to me. 

When speaking to the person on the phone, they were sarcastic and kept muting me, so it seemed no one was there or listening to what I had to say. They were unprofessional, making me think this was a scam or someone phishing for information. I pay my bills and pay them on time. So suddenly, getting two debt collector letters stating I owe some company I had never heard of over $ XXXX dollars seems like a scam. Then let 's talk about outrageous late fees on both statements ; I had never received any type of bill before this for this company, so why is this debit collector telling me I have a late fee of $ XXXX. ** with NO explanation of why there is late fee 's and where this debt is from other than a company I have never heard from. These letters ruined my day and caused me great stress and XXXX, and then when I called, they gave me no evidence or info other than services on XXXX XXXX. 

I did XXXX this company and they have been sued many times for I feel my privacy and personal information were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Less than a year ago Citibank lowered my credit limit for some reason so I called asked why got an answer I didnt agree with. So I closed to acct I ask the individual if there were any pending charges he said no. Later on down the road come to find out there was and I was charged late fees snd interest on them. Filed a XXXX complaint they fixed the charges but wouldnt correct the late payments on the later fees/charges they credit to the account.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-30
Company: Experian Information Solutions 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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-30
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/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 2023-08-17
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXXXXXX XXXX XXXX I received several copies of invoices from XXXX XXXX XXXX  of account statements with withdrawals under my name with several different addresses from XXXX with XXXX. The first invoice dated XX/XX/XXXX through XX/XX/XXXX had a balance of XXXX and my actual previous address. On the invoice dating XX/XX/XXXX through XX/XX/XXXX there is a balance of {$1600.00} and another invoice dated XX/XX/XXXX through XX/XX/XXXX with a balance of {$1600.00}. These last two invoices had two different addresses. In XXXX I called XXXX and provided my name and social security and asked them if there was a credit card opened under my name and social security and they said there was none issued. I attempted to file a police report several times but they did not open a case as they claimed it was fake. On XX/XX/2023 I received a court summons as this debt was being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Atlanticus Services Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account was opened with out my authorization by XXXX. I purchased a security system from XXXX on XX/XX/XXXX under false pretenses. I canceled this service on XX/XX/XXXX not even 24hours after the purchase WHEN I was contacted by Fortiva 's fraud department to verify that I had authorized the line of credit with them in the amount of {$3000.00}. I told that representative that I had not authorized the line of credit and that I wanted it closed. I was never informed that anything was being financed. She stated that I would have to contact the merchant to have that done. The account was closed with XXXX on XX/XX/XXXX they removed their equipment on XX/XX/XXXX. On XX/XX/XXXX I got a notification that my credit score had dropped XXXX points with XXXX and XXXX points with XXXX due to the new line of credit with Fortiva. A line of credit that I NEVER authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
n accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: MD
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 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My XXXX student loan was originated in XXXX. I graduated from college in XXXX and began repayments on the loan which at the time had a balance of approximately {$43000.00}. When President Obama began the income sensitive repayment plan in XXXX I switched to an income sensitive repayment plan to lower my payment to an amount that I could afford. This lowered my payment to around {$310.00} per month. I paid under that plan until approximately XXXX when I was informed by Nelnet ( my student loan company at the time ) that with a {$53000.00} annual income, my monthly payment was being raised to around {$700.00}. I could not afford that and was told by Nelnet that there were no options for a lower payment and that the only thing I could do was to put my student loan into deferment for up to 60 months. My loan remained in deferment until XXXX when it was switched to an in school deferment when I went back to school for an advanced degree. After I graduated in XXXX, I received notice that my loan was going to go back into repayment, now at a balance of approximately {$55000.00}. However at that time the XXXX student loan pause had went into effect and I did not have to make any payments. In XX/XX/XXXX, when the loan pause was set to expire, I contacted Nelnet and asked what could I do to lower the payment to an amount that I could afford. I was told at that time that with an annual income of {$74000.00}, I was not eligible for any type of income sensitive payment plans, I was not eligible for public service loan forgiveness credit for the 3 years that I had worked at a non-profit housing agency and I would be receiving no credit for the 10 years that I had paid the loan prior to the income sensitive repayment plan, nor would I get credit for the time that I paid the loan under that plan until I could no longer afford the payment. I was told by Nelnet that my almost 30 year loan would be starting over from Day XXXX for another 30 years, which would mean that a loan that was originated when I was XXXX XXXX XXXX would not be paid off until I am in my XXXX. Nelnet advised that my only option would be to refinance the loan at a lower interest rate which would privatize my loan and I would lose all federal student loan protection. At that time the student loan income pause was set to expire and I was out of options. I refinanced the loan at a lower rate based on the advice that I was given by Nelnet which gave me a payment that I could afford, however it was not until after this that the federal government created more options for debt relief which now I was no longer eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
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'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2019-11-13
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient is calling my relatives and even my landlady and asking them to have me call them. I am applying for Income Driven Repayment plan and my only income is my Social Security retirement benefit monthly check. I am corresponding with them by email, which my " Navient email representative '' acknowledged was permitted in a email to me. However Navient insists I call them. I can not hear well on the phone, do not have a phone anymore, and live in a camper trailer in the XXXX mountains where there is little cell reception. I discontinued my cell plan a month ago. 
My landlady reported getting 2 calls a day over the past 3 days and my son is getting calls. My son asked them to stop calling him, but 2 days later he got another call. They are even calling my x-wife who has told them not to call her. 
I think this is simply a control issue with them. I am following their guidelines for applying for the Income Driven Repayment plan and I do get communications on my account portal about the status of this application, so that part is working. However they are harassing my family and anyone that might communicate with me. 
There must be a way to stop this abuse. I am contemplating paying a attorney the money I would pay them, just to have this abuse stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Wells Fargo checking account. This account was supposed to have had a {$320.00} sign up bonus after direct deposits of {$1000.00} being made to the account within 90 days after account opening. Having met these terms and not receiving the bonus, I contacted Wells Fargo once by phone with no results and then through XXXX. The response from XXXX told me to call another number. When I called they told me that I was not eligible because I had received this bonus in the last year. I asked her to send me a copy of my other account and when that bonus had posted. That bonus for the account was posted on XX/XX/XXXX and it was closed a couple of days later. 

The terms for the new account very clearly stated that you were not eligible to receive a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 

My account in question was opened on XX/XX/XXXX and since this is past the 1 year date of the last bonus received, I should be eligible for this bonus.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I had called my bank XXXX XXXX XXXX XXXX XXXX about getting a loan to purchase a car. They emailed me a list of car dealerships that they deal with. They told me when I decide which dealership, I'm going with to make sure that I tell them to go under XXXX. On XX/XX/XXXX, I saw a car I like on XXXX XXXX in XXXX PA website, so I called and talk to someone about the car and told them that I want to go under my XXXX XXXX XXXX. I made sure I told them to go under XXXX. I gave them my information and they told me that they get back with me. Well, the next day I seen that they went through six finance companies without my permission and never went through my Credit Union under XXXX. When I reach out to them about the problem the lady I talk to ( I believe her name was XXXX ) told me that my Credit Union wasn't under XXXX it was under something else ( I can't remember the name she said ) that's probably why they didn't see it. I ask her if she could take them off my credit report and she said that they don't have the ability to do that for me to call the credit bureaus. I called the credit bureaus and explained to them and all 3 said that the car dealerships have to call and take them off my credit report. I called XXXX again and she said okay that she talk to someone about it. I haven't heard from them or seen anything taken off my credit report. When I called again, she told me they can't take it off I have to talk to the credit bureaus. I wrote a letter on XX/XX/XXXX, to all 3 credit bureaus and letting them know what happen and what I want taken off, but I never got a response. Can you please help me with this. 
This what I wrote to you like XXXX months ago and you said you couldnt help because you couldnt find the company. I believe I gave the address and phone number to you. Hopefully you can help me with the credit bureau. I call couple of times and sent in a few letter to get the items off my hard inquiries. They saying ( TransUnion and XXXX ) to call each financial company thats on my inquiry and get a letter saying that its not mines. I dont know why I have to go through this. Where is my rights at. Can you please help 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 explanation