BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Went online to place a credit freeze with Experian on XXXX XXXX and they said it was free. That is all I wanted to do. Then they enrolled me in a monthly membership without my knowledge at {$22.00} per month and never sent me any credit reports. I called them to cancel and wanted a refund on XX/XX/2020 and they cancelled it and refunded only one month. I never wanted this and feel they take advantage of us senior citizens. I never got anything free that they advertised on their web site except for the freeze on the account. 

Tired of companies taking advantage of seniors.

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 2023-08-28
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: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2019-07-03
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX, I received after the fact, a writ for wage garnishment that had been filed in XXXX filed by XXXX XXXX offices on behalf of Midland Funding. Prior to this I had sent debt validation letters to each entity and also issuing a correct address in which to contact me. There was no positive response to either. The writ arrived with an incorrect, uncurrent address and I was never properly notified of who the originator of the debt was, the nature of the debt which is in excess of XXXX. Neither could I find the writ in any public records. Neither could I find a lawyer willing to represent the matter and it was not on my credit report going back as I can remember which is XXXX or thereabouts, to the present. Again, I never received proper notification I was being sued by a junk debt collector nor did I ever receive any documentation about the nature of the debt purchase, how much was the debt was purchased for, or any specific information concerning the original debt. After all this time I suspect if there is anything legitimate about this claimed debt it is well beyond expiry. In spite of this I didn't have any wages garnished until recently, starting in XXXX of XXXX. I had to request a copy of the writ from my payroll department. Same amount claimed, in excess of XXXX plus interest, wrong address but updated to reflect a XXXX date. The summary of garnishment and the proof of service is blank and the writ so illegible as to be nearly unreadable so I can not scan a copy and upload it to you. As of this time, I have not found a lawyer, even those claiming to specialize in such matters, to represent me although I have contacted dozens over the years. I am now forced to file bankruptcy for lack of proper legal representation but I have no creditor to present to the court because I can not get any information concerning this debt from XXXX Law or Midland Funding who will not send any information on the debt that Midland purchased, but instead sends notifications of writs, after the fact to any old address which is in violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Navient Solutions, LLC.
State: MI
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:
This is a follow-up to CFPB complaint # XXXX-XXXX. 

Navient did not resolve the issue and gave a vague response dismissing my concerns and the erroneous information they are reporting to the credit bureaus. As I previously stated, I have two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. 

Navient is claiming that the negative reporting stems from a payment that was missed on XX/XX/XXXX when it was rejected by my bank and that I have been continuously one month behind since this missed payment. Navient further explains that when I missed my XXXX and XX/XX/XXXX payments it caused my accounts to exceed 60 days past due, which is when the negative reporting occurred. THIS IS FALSE. 

I did not miss any XX/XX/XXXX payment. I made two payments in XX/XX/XXXX. This first payment was a forbearance payment on XX/XX/XXXX in the amount of {$100.00} and the second payment on XX/XX/XXXX in the amount of {$110.00}. So, the claim that I missed a XXXX payment is clearly incorrect. Navient still has not provided any concrete evidence of my account being 60-days past due and continues to make fallacious claims in an attempt to justify their erroneous credit reporting. 

In their response to my original complaint, Navient stated that they will update my credit report to reflect my disputed loans with the following comment : FCRA direct dispute investigation completed consumer disagrees with the results of the data furnishers investigation. Further Navient DOES NOT have my permission to place any narratives on my reports. 

Navient needs to validate their claims that I missed my XX/XX/XXXX payments as well as provide the EXACT number of days that my account was past due which caused the negative reporting. My credit reports state that I was 60 days past due and Navient has yet to disclose the EXACT number of days my account was past due and does not acknowledge my two ( 2 ) XX/XX/XXXX payments. Along with my other requests, I demand to know the exact number of days my account was past due which caused the negative reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to correct my personal information, The consumer agency was suppose to update my personal information but when I received my consumer report it was not updated. Therefore, the information that's on file is incorrect. I would like to have my information updated. I can't get a consumer report from XXXX because I never signed up to get my report because the security questions are not mine and I informed them of that as well. I was told there is nothing they can do.

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 2019-08-06
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The company told me in a commercial personalized form letter affixed with a credit card cardboard simulation along with a summary of credit terms all delivered on XX/XX/2019 to my home address in one standard business envelope that I am pre-approved for a {$1000.00} credit limit that has been reserved especially for me and used such letter to successfully make me go within an hour of my own in-hand receipt on such same delivery date of such same mailing to a certain website and enter a certain supplied Acceptance Code and accept my such offer entering my contact information and income amount. Then, immediately, such company delivered to my inbox a notice of denial of my such application stating my such denial reason as Insufficient Income/Low Income, but I feel that such reason is an act of discrimination against me on the basis of my marital status, from such same email message to me, as to me such denial reason reflects two different income states, one being insufficient and the other being low, which, to me, does not necessarily mean the same thing as insufficient. Likewise, such same letter to me includes graphics of a woman ( shadow of a full-haired person wearing a dress ) holding up one of such same credit cards to a man ( shadow of a flat-haired person not wearing a dress ) both standing just above the words, build, grow, and aspire, but such company did not hire me or get me hired and also did not state anything about driving status, income, sexual orientation, or housing in such same email message to me. Therefore, such company, not including driving status, income, sexual orientation, and/or housing in its own definition of marital status, blocked me from joining accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2019-04-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank is not honoring the terms of their promotion to open a new checking and savings account. I had to open at a new Checking and Savings account and deposit $ XXXX as well as make 1 direct deposit each month for 2 consecutive months. The promotion stated that I needed to maintain $ XXXX between the two accounts for 60 days.

I deposited and maintained well over $ XXXX in my account for 60 days as well as made 8 direct deposits in that 60 day window. Not only did I call multiple times and was assured that I had met my requirements to get the {$400.00} promotion, BUT Citibank themselves even sent me an email 60 days after opening the account, stating that I had satisfied my transactions and would get the {$400.00} in 30 days. 

30 days pass and I call them back. They again tell me I have met the requirements and that they will need an additional 30 days to add funds to my account. I called back after those 30 days ( This is about 120 days since opening the account now ) and they told me they will not be paying my promotion because of some technicality where they have to close my savings account for not having funds NINETY DAYS OUT. I spoke to multiple reps at Citibank that told me I did not need to distribute the $ XXXX between checkings and savings accounts ( aside from assuring me that I'm in line to get my promotion ), it is also not stated anywhere that it is mandatory ( they even mention depositing the promotional amount to your open of the two accounts if one is no longer active. AND MOST OF ALL, the promotional requirements ended 60 days after I open the account, I should have already been paid the {$400.00} after ninety days. 

I called them a few days later and notified them that I can send them the email I received to show that they THEMSELVES told me I has earned the bonus. They told me " no need, just tell us the date we sent the email and we'll look it up on our end '', and so I did, to which they confirmed and told me the funds would be in my account within 48 hours or 2 business days. 

I opened the account in XX/XX/XXXX and it is now late XX/XX/XXXX and they are dragging me around with no end in site for a promotion I've already earned. I'm frustrated and irritated to say the lease. Please help.

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 2023-11-01
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission XXXX I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a house in XXXX, Georgia in or around 2007. The mortgage was refinanced once, I believe, The current monthly payment due is {$340.00}. I have been making monthly payments of {$400.00} for several years now. I am well paid ahead ... 

My issue/concern is how these payments are being applied toward the interest and principal. The applications are erratic and I believe the amount applied to principal versus the amount applied to interest are greatly distorted. The amount applied to principal, I believe, is completely wrong. 

I have contacted the bank mortgage department twice within the last two months. The second time because they failed to respond to the first. Now, I am still waiting for a response to the second. 

The bank is Wells Fargo.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
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 personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, Weltman, Weinberg, & Reis ( XXXX  XXXX  {$2200.00} ) {$770.00} XXXXXXXX XXXX  ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Santander Consumer USA is actively engaged in abusive debt collection practices and inaccurate credit reporting against me. I have sent Santander several letters directly to resolve this matter amicably. Attached below is my most recent cease-and-desist letter and challenge letter which they received as the tracking number via USPS certified mail confirms. I ask the CFPB to ensure Santander Consumer USA deletes this account from my credit reports as it is in violation of federal laws under the FCRA and FDCPA. My attached letter outlines all the issues and violations. It is illegal for Santander to continue communicating with credit reporting agencies after receiving my cease-and-desist letter which is in there possession as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Maximus Education, LLC dba Aidvantage
State: NV
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:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EXPERIAN HAS PROVEN TO ME THAT IN DISPUTED WITH BUSINESS YOUR GOUNG TO LOSE. EXPERIAN DOES NOT WANT TO LOSE A OAYING BUSINESS. It does not matter what the consumer says or provides as proof of their statements and claims in the dispute. All Experian says is the business is correct without even providing a copy of the business response like the CFPB DOES AND THE NCUA DOES AND THE FDIC DOES ALSO THE FTC. It should be fair for the consumer to se the comparison from the business comments and evidence in comparison to the consumers allegations. 

There is a reason for the dispute however Experian neglects the consumer because they do not want to upset the paying business.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nothing happened to the following account below : I requested that they update the OWE amount to XXXX and they left it blank. This is the exact same report prior to the complaint. They refuse to acknowledge that this account is paid in FULL and has a XXXX balance. 

I sent a letter showing them that this account was paid in full but after the investigation they simply added incorrect information RECENT PAYMENT OF {$370.00}. Total false! 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$370.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance {$1100.00}

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