BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: I.C. System, Inc.
State: CO
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: Was not notified of investigation status or results

Complaint:
I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX AND XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me

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 2019-01-25
Company: Navient Solutions, LLC.
State: AZ
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:
I had negotiated in good faith a repayment plan at a low 1 % rate to payback of my loan. After 6 months of making this payment plan, I noticed online that I was reverted back to the original high-interest rate. I called Navient and was told that I would need to renegotiate the loan rate and amount ever 6 months and that the rate would increase incrementally higher as they saw fit. After a second renegotiation of the loan, they said I was making to much money ( nothing had changed in the last 6 months financially for me ) and that I would have to wait a month and try again. In the meantime, I am paying high-interest rates and fees. On the third negotiation attempt after receiving a " make us an offer '' letter in the mail saying that no reasonable offer would be refused for a one-time payoff or installment payments. I was told that that was just an inaccurate letter and that the information on the letter was incomplete and that certain criteria that need to be met. I was also told as this was my XXXX number of repayment plan request that now I had to send in three months of banks statements and payroll statements, which was never mentioned before. They are telling me that they can not give me my original 1 % interest payment and now have raised the monthly payment more because that plan that I was no longer being offered. Nothing about the letter was really for real it was very misleading and only makes this debt impossible to payback. These private student loans are creating the new indentured servitude of the 21st century. I am so frustrated with this company and its predatory loan practices. Navient is making it impossible for me to get another loan because they have driven my FICA score so low. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: WELLS FARGO & COMPANY
State: AL
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:
Wells Fargo Bank acct # XXXX XXXX  inaccurate due not receiving a statement in the mail. Also XX/XX/2018 late payment is in violation of 15 USC 1666b clearly states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''.

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 2023-08-21
Company: General Motors Financial Company, 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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Messerli & Kramer P.A.
State: MN
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:
As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from XXXX XXXX without any prior knowledge, I received a letter dated XXXX from Messerli & Kramer PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXXXXXX XXXX 
I will also attach the letter sent to Messerli and Kramer below.

15 USC 1692 ( e ) and 15 USC 1692 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: MO
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:
My original dispute began on XX/XX/, experian provided me a letter stating the inaccuracies I disputed were verified by the furnishers, I then requested a reinvestigation with experian on XX/XX/XXXX  which gave them an additional 15 days to reinvestigate these inaccuracies. Experian replied has taken more than 15 days to reinvestigate these inaccuracies and has not followed the rules of the FCRA of performing a proper reinvestigation. They have not contacted neighbors, friends, or family of mine for their reinvestigation or me, which makes their investigation unfair and partial. Failure to willfully comply with the requirements of the FCRA will lead to civil liabilities pursuant to 15 USC 1681n.

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 2020-02-07
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
A Loan for a vehicle was opened in my name with Chrysler Capital in XXXX Tx. I reached out to the company multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX informing them that this was not my account. I told them that I have never been to Texas and did not sign any documents. I had forms notarized by my bank during my fraud claim with the company to prove my signature and they said that I am still responsible for the loan. I tried filing a police report, but was told to get a copy of the records. I was told by Chrysler Capital that I can not have records that is in my name. This is complete fraud because I did not sign for anything. 

I also told them that I do not have a driver 's license and at the and at the time of the loan I only had a non-drivers license in NYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: MS
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:
In XX/XX/2020, I filed a dispute with Experian, XXXX and XXXX   credit bureaus about the unverified account : US BKPT CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, 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 1666B : A creditor may not treat a payment on an extension of credit account under an open-end consumer credit plan as late for any purpose.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.

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 2021-06-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please see the attached explanation. I sent this letter to all three credit agencies and XXXX XXXX to plead for an act of goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
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 2023-10-10
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} 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 2023-01-15
Company: National Enterprise Systems, Inc.
State: AL
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:
National Enterprise Systems called me on Friday XX/XX/XXXX at XXXX XXXX. I spoke with XXXX  XXXX first. He informed me that he was calling on behalf of XXXX XXXX XXXX  to collect on a debt in the amount of {$9900.00}. He said my account was in a pre-legal status and the company XXXX had already chosen an attorney in my area if I didnt pay the debt. I told him I couldnt pay the full amount but I could begin making payments. He said your account is currently in a Pre-legal status so you need to pay in full I said what if I dont pay in full? He said then we will refer your account back to XXXX XXXX  and they will send it to the attorney they have already chosen. I explained to him I can not pay the full amount. He said well I could reduce it down to {$4500.00}. I said I dont have a large amount to pay. I can only make payments. He then put his alleged supervisor on the phone XXXX XXXX. He told me he could get it approved for {$3900.00}. I explained again I dont have a large amount. I can only make payments. He then told me he was looking at my credit report and he could see a XXXXXXXX XXXX XXXX  that had the availability balance on it. Im really not sure HOW he could see my credit report because I did not authorize him to run my credit at all to view my creditors.

I told him that cars was my husbands and I couldnt use it. He then told me that the full balance is due and asked if I have anyone that could pay it? I said I might could call my parents. So I told him I would call him back. He was very insistent that I place him on hold and call my mom. I told him I couldnt do that. He said two more times. I then told him no and I would call him back. 

Finally I remembered receiving a letter stating the account XXXX was actually placed with a company called XXXX XXXX. So I called them and asked about this and they informed me XXXX does NOT have the authority to send my account to an attorney. So they lied to me about that. 

I called XXXX back and spoke with XXXX XXXX again and told him this and he played XXXX and acted like he never gave me that impression. 

Im sure if the recording was pulled it would be proven he did threaten an attorney when they dont have authority to do that since the account is technically owned by XXXX XXXX XXXX 

Im attaching the letter where they told me they could get me down to XXXX to pay.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I wrote a letter to Transunion and XXXX having it notorized and sent certified on XX/XX/2023. I have been monitoring my credit alerts and scores and mail and have NOT received any response from neither the creditors nor Transunion XXXX. One of the biggest discrepancies show XXXXXXXX XXXX showing 2 different accounts with a third showing the XXXX separate accounts combined and that I supposedly owe money owing there as well, so basically XXXXXXXX XXXX  is charging me 3 times very inconsistent and incorrect. I disputed everything on my credit report bc that discrepancy being to great as it is is too big of a mistake and therefore makes and made me question the validity of the entire credit report. Ultimately I got no answer on any of it. Please help I do and will be sending copies of the written letter which is legible as well. I want these items all removed as a timely response of XXXX calendar days was not met on the end of creditor nor on the end of Transunion XXXX Thank you

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 2023-08-21
Company: Atlanticus Services Corporation
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:
Subject : Dispute of Late Payment Reporting during COVID-19 Pandemic To Whom It May Concern, I am writing to dispute a late payment entry on my credit report related to my account with ASPIRE. The late payment in question occurred during the COVID-19 pandemic, and I believe it was inaccurately reported. I am seeking your assistance in rectifying this matter. I recently reviewed my credit report and noticed that late payments have been reported on XX/XX/XXXX through XX/XX/XXXX for my account with ASPIRE. I would like to bring to your attention that during the period encompassed by the late payment, I was granted an " accommodation '' by ASPIRE as defined under the provisions of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ) ( i ) ( I ). According to the definitions provided in the subsection : " Accommodation '' includes various forms of assistance extended to consumers affected by the COVID-19 pandemic, such as deferring payments, making partial payments, forbearing delinquent amounts, modifying loans or contracts, and other relief measures. The " covered period '' pertains to the time during which the consumer is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic. During this covered period, I was adversely impacted by the pandemic, leading to the " accommodation '' granted to me by [ Creditor 's Name ]. As a result, I am disputing the late payment entry as it does not accurately reflect the circumstances and the " accommodation '' provided by the creditor in accordance with the Fair Credit Reporting Act. I kindly request that you investigate and correct this error on my credit report. As per the FCRA, I have the right to accurate and fair reporting of my credit information. Please provide me with a written response confirming the results of your investigation and any updates made to my credit report as a result of this dispute. Additionally, if any documentation is required from my end to facilitate this process, please let me know. Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief