BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To all this may concern, This complaint is to identify fraud that has occurred with XXXX and Fortiva. 
On XX/XX/2023 at XXXX XXXX eastern I was notified by XXXX that my credit score dropped XXXX points. I immediately started investigating my report. To my surprise I saw that a company named Fortiva reported that I was delinquent in payments for over XXXX  days. I was shocked to see this for XXXX main reasons, I have never taken out a line of credit with Fortiva and I didnt know they have been withdrawing money for my bank account for over a year. At XXXX XXXX  eastern I reached out to the Fortiva company and asked them why were they reporting this account to my credit report. A representative by the name of XXXX stated that a company called XXXX financed their XXXX XXXX XXXX through Fortiva and thats how I became their customer. I explained to them that I never agreed to open a line of credit with them and this had to be fraudulent. I demanded that they present me with the original loan documents so that I can see what was going on. The Fortiva representative demanded that I paid what was owed in order to transfer me to customer service. Under duress I paid XXXX dollars and the Fortiva agent thanked me for my payment and told me unfortunately since the account is closed I can not get the documents. They essentially scammed me for this transaction. The Fortiva agent then told me to call XXXX because this will be the company that has the XXXX and all documents to send me. I immediately hung up the phone and called XXXX. The agent at XXXX explained that she couldnt find any information that describe or show my authorization to open up a line of credit with Fortiva. The agent at XXXX sent me a purchase agreement that I will attach to this complaint. The purchase agreement that XXXX gave me has absolutely nothing on it that says I am financing equipment through Fortiva. The XXXX agent kept apologizing and said she will transfer me to the fraud department but after holding for XXXX minutes she told me no one can talk to me and that the only document she has was the one I will attach to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
account # XXXX XXXX XXXX XXXX " 45 days ago I ask to the credit bureau to do an investigation. they said it was verified. 
but after doing my own investigation I saw they did not. 
delete this charge off for inaccuracy because the date of last payment reports XX/XX/ on transunion, XX/XX/ on XXXX, and XX/XX/ on XXXX. 

thanks

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 2022-02-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Dear Whom It May Concern, I attended XXXX XXXX XXXX XXXX XXXX ) from XXXX and was promised a high-paying salary to pay off my student loans after I graduated. I was never spoken to about how much I was borrowing, only handed a check at its full loan amount every 60 days. I came out of school with 6 figures in debt expected to be repaid within 6 months of graduation. I currently have over $ XXXX in just federal loans and I was not considered in the Navient forgiveness. My loans have caused me to never be able to buy a house, car or business loans. It has debilitated me to the fullest extent. I have applied for loan forgiveness only to be denied due to the greedy Department of Education heads that have allowed my loans to never be reduced by only paying the interest. I have had zero communication from all parties involved and left out to dry. I can not afford to pay my loans as they were fraudulently given to me without my direct knowledge and lack of experience being a XXXX XXXX XXXX kid at the time. 

I ask you to please consider XXXX as bad actors as there hundreds of us that have dealt with crushing debt our entire adult lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries and accounts I that have no knowledge of. These accounts were created after my information was stolen. I am requesting these items be-removed from my credit report. XXXX XXXX is not mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/2023. I reached out to Tran Union on XX/XX/2023. I reached out to XXXX on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to 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 non-monetary relief
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
sent out letters to original finance company they received it on XX/XX/23 and no response at all from company. Sent a letter to credit bureaus for the removal of the account for non-compliance and all three bureaus sent verification letters back. How and with who if original creditor never responded to the letter from me personally that they signed for.

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 2023-01-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022 ( a Sunday ) I received a call from Wells Fargo collection department demanding that I deposit to cover for an AHC transaction as my Overdraft Protection ended without my knowing about it. I elevated this is upper management only to have to wait for 3 weeks before a got any call back and the bank management stated that I never had Overdraft Protection on my account. I pointed that out on my bank statements to prove that I did have it and had it for the past 10 years. 
I have incurred an extra debit of {$350.00} due to Wells Fargo 's systematic error and have not received any statisfaction from their management to date. I am on XXXX XXXX and can not afford this debit.

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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This problem refers to Chase Amazon credit card and XXXX XXXX credit card online payment processes. 

I noticed for the first time ( I have paid online for decades ) that the payment amount choices presented while paying online have changed. 

These changes are potentially confusing to consumers. 

I suspect the changes in payment choices are designed to trick consumers into not paying their credit card balance in full and thus accruing interest payments. 

These are the changes I found on XX/XX/2023 while paying my bills : The simple choice of " Statement Balance '' as a payment amount has been eliminated. 

Now there is a " Remaining Balance '' choice after a " Minimum Due '' choice.

If the consumer does not pay attention and thinks " Remaining Balance '' is the same as " Statement Balance '' and does not notice that it is not the entire statement balance appearing on the current statement bill which the consumer is attempting to pay, then the consumer will have a balance due and owe interest on the mistakenly unpaid amount.

On one of the cards, the " minimum Due '' plus the " Remaining Balance '' did not even add up to the statement balance on my current statement.

I paid the statement balance in full by putting that amount in the " Other Amount '' choice.

Credit card companies need to return to listing " Statement Balance '' as a payment amount choice for consumers paying their credit card bills online.

The changes appear to be an attempt to trick consumers into paying less than their full statement balance and thus accruing interest because the choices are confusing.

Clarity and transparency in consumer financial transactions are vital to protect consumers from fraud and deception.

What I have described above is a deceptive practice by Chase and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? 
Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you. I have attached proof of the letter that was sent to me, and all items that were disputed on my previous letter sent to Transunion Credit Bureau

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 2023-10-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 15 USC 1681i ( A ) ( 5 ) ( A ) ( I ) & 15 USC 1692G ( B ) ( A ) ( XXXX ) ( A ). Remove this account immediately. XXXX XXXX XXXXXXXX

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 2022-05-03
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These accounts show as DEROGATORY status on my credit report. Both of these accounts have been settled last year in 2021. I agreed to an amount with BOTH companies to settle this debt and delete these accounts from my credit report. Both of these companies have not done their obligation. In fact they still have a derogatory status showing on my credit report. I do not want these accounts updated I would like both of these accounts deleted from my report. They have had their chance to fix the errors for over a year now and have failed to do so.

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-10-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SD
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX was trying to reside at the alfalfa residence in XXXX XXXX back in XX/XX/XXXX till about XX/XX/XXXX. I did not sign no lease and I ONLY signed a document stating that I was EMPLOYED to be able to move in the room upstairs as a roommate. I was pretty much taking over for the last roommate that had moved out. During the end of XX/XX/XXXX I decided not to live there anymore due to because there was a wife and a husband living downstairs that were going through a divorce and I could no longer live in the disfunction of theyre verbal XXXX to one another. There was no lease that stated it was a XXXX month or if it was a 12 month lease. XXXX who was the main tenant who had rented the house for several of years. Did ask me if I want to to sign for a 12 month lease after the contract was up the beginning of XX/XX/XXXX. I had told him that I would think about it. Therefore I am not responsible for whatever debt they are saying that I owe. This was now just put on my credit report of this year ( XXXX ) when this happened almost 4 years ago. I would like to file this action against me as 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 2020-06-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Adjusters began reporting on my Credit Report a collection they claim to be from " XXXX XXXX XXXX '' about which I have no knowledge whatsoever. I have sent them Validation Requests in three Direct Mailings. I even included a copy of the XXXX FTC Opinion letter in my most recent mailing in hopes they would comply with Federal Regulations and either provide Validation or DELETE from reporting. I should also note they have ELECTRONICALLY VALIDATED this debt with each Reporting Agency. That is important because as you can see from their only letter of response to me. They have neither Investigated or Validated this debt. And even after lying to the Credit Report Agencies they once again just this month again listed this account as in collection and verified even though stating in writing to me that they would need more time to investigate, validate and report to me. This is very serious and in my opinion illegal and obviously unethical. This is the ONLY collection account appearing on my Credit Report and is doing me great damage to my otherwise stellar Credit Reporting.

Company response to consumer: Closed with explanation