BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Has contacted company to inform them debt has been paid and in progress of being disputed with Navient and borrowers Defense to be discharged. Nelnet has not taken any action to allow me to send in document and currently charging me incorrect charges towards my account. I do not owe debt Nelnet is claiming I owe and company is allowing me to continue to be charged and interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TN
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-07-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these inaccurate items will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Applied for a XXXX loan through XXXX XXXX. Before I submitted application I checked SBA guidelines dealing with deposits into personal checking accounts. There was nothing in the Cares Act of 2021, or on the XXXX XXXX website that stated sole proprietors couldnt use their personal accounts to receive deposits. Ive been reselling shoes for years and in XXXX I grossed a substantial amount from it. My funds were deposited on XX/XX/XXXX at XXXX into my Golden 1 personal checking account and was frozen by XXXX the same day. I spoke with Golden 1 and they referred me to their XXXX department. They asked for documents to prove I am a business ; however a-lot of the documents they asked for dont apply to me. They asked for XXXX XXXX XXXX, partnership agreements, state licensing and plethora of other things. I submitted my Schedule C, my EIN number ( even though as a sole proprietor it isnt required ) and docs from XXXX XXXX showing that it is in fact me who applied for the loan. They still have stated it doesnt prove anything and that theyll send my loan back to the lender. Now i may be liable for a loan that I couldnt even use, and it may not be forgiven because I couldnt spend it on what it was authorized to do. In addition Golden 1 doesnt even offer business accounts so their clients that receive these government loans are met with yet another barrier to overcome. I believe Golden 1 collects interest on our money so not only are they refusing to release funds but they are capitalizing from it and i believe they may be creating these rules to launder money. I think somebody needs to take a deeper look into how golden 1 conducts business because it isnt right.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please delete the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXXXXXX 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 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.

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 2021-07-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield claims that I owe an amount of {$2400.00} WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) but have failed to provide me with a debt validation or any proof that I owe the specific amount. The account number is XXXX I sent a dispute letter about few months ago and still no respond from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2019-08-29
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX Companies and Experian on several occasions via certified mail and regular mail requesting validation of this debt. The company responded sending me a itemized bill from the hospital however a HIPPA release form was never signed by me authorizing release of protected heath information to XXXX Companies. They did not send me proof of that or that they are legal business associates of the medical provider. I do not have or ever signed a contract with XXXX Companies and a itemized bill is not validating the debt. One can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. XXXX Companies and Experian are in violation of the FCRA due to not properly validating the debt by providing the requested documents. Experian did not properly validate the debt and left it up to the creditor to provide a generic XXXX response. I have attached the letter i sent requesting validation as well as XXXX companies   response with a itemized bill attached which does not properly validate this debt.

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 2023-08-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During a recent review of the consumer 's credit report, we discovered inaccuracies pertaining to three collections accounts managed by Midland Credit Management. Specifically, between XX/XX/2023, and XX/XX/2023, there were unexplained increases of {$1.00} each in the balances of these accounts, as detailed below : Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$6400.00} New Balance ( as of XX/XX/2023 ) : {$6400.00} Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$450.00} New Balance ( as of XX/XX/2023 ) : {$450.00} Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$340.00} New Balance ( as of XX/XX/2023 ) : {$340.00} These discrepancies are not only concerning but also detrimental to the consumer 's creditworthiness and financial standing. It is imperative that these inaccuracies are promptly investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the consumer 's credit report. 

We kindly request the following actions be taken : Conduct a thorough investigation into the reported inaccuracies in the balances of the XXXX  collections accounts managed by Midland Credit Management for the specified time frame. 

Verify the accuracy of the information reported by Midland Credit Management and ensure that any erroneous data is rectified immediately. 

Remove the incorrect information from the consumer 's credit report to prevent any adverse effects on their creditworthiness and financial standing. 

Provide a written response outlining the findings of the investigation and the actions taken to resolve this matter. 

We appreciate your prompt attention to this issue and your dedication to maintaining the integrity of the credit reporting system. Please do not hesitate to contact us at XXXX if you require any further details or documentation to assist in your investigation. 

Thank you for your assistance in rectifying these inaccuracies and ensuring fair and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A default judgment filed against me which was for XXXX from XXXX XXXX. The credit bureau shows a delinquent amount of XXXX with XXXX XXXX which differs significantly with the court ordered amount. On XX/XX/XXXX I spoke with XXXX I. with Mandrich Law Furm and was offered a settlement for XXXX to close the account due to a financial hardship caused by child support. I called in on XX/XX/XXXX to follow up on the settlement and was told the would not honor it and that I needed to pay the balance in full. We are in the middle of a pandemic and I called in good faith to resolve the account. I would like to get the offer in writing that is reasonable and affordable due to my financial hardship, so that I can resolve the account without being told different figures every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took out a loan with Challenge financial to buy a used vehicle. Challenge Financial picked up my car from a tow company XX/XX/XXXXXXXX  after it was towed XX/XX/XXXXXXXX  because it was in a red zone. I did not call them to pick up my car they simply voluntarily decided to do that. I went to go pick it up from the Tow Company and the Tow Company informed me that the legal owner had picked it up which was challenge financial. I asked them if I could get my car from them they want to charge me an additional {$600.00} to get it that I would not have had to pay. Had they allowed me to pick it up from the tow yard. The cars payments were not behind at the time that they picked it up on XXXX XXXX. I would like them to waive that {$600.00} fee for picking up the vehicle because they had no right to pick it up, and I did not request them to pick it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}

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 explanation
Consumer complaint received 2021-07-04
Company: BTH Management
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Plaza service called me on the phone in XXXX of XXXX wanting my personal information to verify a debt from XXXX XXXX XXXX XXXX. They stated XXXX XXXX hired them to collect the debt. I refused to give my personal information to them. A week later plaza services put the debt on my XXXX XXXX report for {$3600.00}. They never validated the date. I sent them a certified validation letter on XX/XX/XXXX asking them to validate the debt. In XX/XX/XXXX plaza services had a company to call me and threatened to file a judgement against me. I never received anything in writing from them. They only called me on the phone. XXXX XXXX XXXX  is also on my XXXX  report. If you look at what plaza service is reporting and XXXX is reporting the dates of when the account was opened do not match and when the last payment was made do not match. I have also been disputing this account for a while with XXXX  because I am a victim of identity theft. Plaza services did not list on the credit report that I have disputed the account with them as well. I hired a credit repair company XXXX XXXX to dispute the account. Ive never made a payment on the account. On the credit report it reads that the account was paid on but it was not by me. In the validated letter mailed to plaza service I asked them to provide what bank account was used because it definitely isnt my bank account. The account is from XXXX which is when I misplaced my social security card and driver license. I would like you to help me to get this account removed from my credit and stop plaza services from harassment/threatening me to file a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.

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 2018-05-17
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Opened a car loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX back on XX/XX/XXXX the loan was going smoothly and payments were made until a move/job relocation in they did a special two month loan to help out near the end of that I find out ( through Pinnacle ) that they are demanding payment for the two months missed. I notified the Tennessee State Attorney General 's office regarding this and they ruled in my favor ( and they backed off ). The job I was working at fell through and I started to struggle falling behind on nearly EVERYTHING In XX/XX/XXXX I decided to file for a Ch XXXX bankruptcy. The timing of the file may have sent out a payment collection notice from Pinnacle a few days after it was filed. But I still continued to get payment notices from them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A total of four letters for payment demand. I notified my attorney on this and they did NOTHING. Due to work conflicts I was unable to meet two of their demands and the bankruptcy was dismissed. At this time I also noticed that my credit report took a serious hit due to no payment from Pinnacle in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX r I contacted them about it an dtonight XX/XX/XXXX from their " legal counsel '' that they are going to sue me for the payment and the fact I got payment demands from them while I was in bankruptcy does not matter ( yes it does ) so I am sending this to you now and going to stop at the county courthouse tomorrow after work to file a lawsuit fo rdamages caused by them in violation of the Fair Credit Reporting Act.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, 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 2021-11-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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 have filed a dispute for incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

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