BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion on numerous occasions via telephonic and written correspondence concerning this serious error in their reporting. Each request to have this unverified account investigated has been unavailing. The company has not provided me with any detailed information concerning their investigations nor their methods. Nor can it be ascertained if the company has undergone or conducted any investigation of any kind. They are and continue to be negligently and willfully noncompliant.

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 2018-01-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have two inquires from XXXX XXXX XXXX ( Inquiry : XX/XX/XXXX ) and XXXX ( inquiry : XX/XX/XXXX) I am not liable for and its showing up on 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 explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
I HAVE LOST MY IDENTITY AND I PILLED MY REPORT. THERE ARE NUMEROUS ACCOUNT THAT SEEMS TO BE INCORRECT ON MY REPORT. I SENT A DISPUTE LETTER ON THE XX/XX/2021 ABOUT THOSE ACCOUNTS THAT APPEAR TO BE INNACURATE ON MY REPORT. I REACHED OUT TO THE CREDITOR AND THE NEVER RESPONDED 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 2021-03-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently became aware of several inquiries on my credit reports. I discovered that a previous tenant of mine had fraudulently acquired and used my personal information to obtain credit while he lived with me. I contacted the police and due to a recent outbreak of XXXX XXXX  and XXXX  XXXX in my city they were unresponsive and advised me to take the matter to civil court and because the tenant had moved to another state there wasn't anything they could do. XXXX promptly and professionally removed the inquiries in question but XXXX  and TransUnion have refused to do so, telling me that hard inquiries can not be removed unless there is a police report. I will gladly list the inquiries that were done fraudulently for both XXXX  and TransUnion individually if they contact me so I can list them. 
Additionally, XXXX just lowered my credit score XXXX points with no new negative information being listed as the reason. I will attach a copy I obtained showing the drop and the " reasons '' they have done so. 
I am now not able to obtain credit and am in need of a new roof for my house ASAP.

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 2022-01-10
Company: EQUIFAX, INC.
State: TX
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to work with Navient who purchased my student loans onXX/XX/2011. Loan # XXXX. XXXX. Loan # XXXX XXXX. I was reviewing the details of the loan and discovered the disbursements amounts were not correct and I requested a validation of the debt and never received one. When I attended the school for these loans the cost was appx 13,000. I believe there has been a mistake and I have been paying for it for many years. If you are able to help me get some validation of this debt I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Law Office of Rory W. Clark, APLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX contacted XXXX XX/XX/XXXX XXXX XXXX in attempt to pay debt -- informed it was archived and no payment was required. 

XX/XX/XXXX receive letter from FarMar Law Group threatening legal action in regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: KY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to link my XXXX credit cards using a third-party financial app ( XXXX ) and was told that XXXX wo n't allow this. It is my right to use my financial data how I see fit. Especially when credit card companies and everyone else are giving my data to security sinkholes like XXXX who then get hacked. I do n't want or need my financial data to go to XXXX but I have no say in that, either. At least I should be able to monitor my accounts in a way I feel is best. XXXX should not be able to block this.

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 2018-01-16
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Called the bank 's customer service on XX/XX/2017 and confirm eligibility for the {$200.00} new account promotion. I opened this account that same day with the {$25.00} requirement and met the other requirement of having {$300.00} direct deposit on XX/XX/XXXX. The promotion stated the following " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above ''. It has been over 60 days. 

I have called multiple times and messaged the bank on my online account. Never received a reply on the online messenger and kept getting transferred when calling because none of the representatives could give me a clear answer or solution about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
I've both called and sent letters to all 3 credit reporting services ( Experian, XXXX, and XXXX  ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP. 

XXXX Status : Closed Date : XX/XX/2018 Price : {$1500.00}

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 2022-01-10
Company: EQUIFAX, 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:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: FL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Old information reappears or never goes away

Complaint:
I contacted TransUnion and spoke a credit rep for them to removed these inquiries that reappeared on my credit report after their " inquiry issue '' and they told me that they would NOT help the inquiries that are listed below were removed off my report and then reappeared without any notification why. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016

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 2018-01-16
Company: CHECK INTO CASH INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
CHECK INTO CASH IT WAS PUT INTO HARD CREDIT INQUIRIES 3 TIMES IT SHOW XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX IT HURT ME NOW THEY DID I WANT Them to be REMOVE OFF MY CREDIT SINCE I FINALLY PAID OFF MY PAYDAY I HAD WITH THEM I PAID ON XX/XX/XXXX I PAID IT OFF WILL NOT TAKE OUT AGAIN. I feel this need to removed for my credit inquiries since been paid off the paid loan, will never take out again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, I had XXXX work completed at XXXX XXXX. I agreed to a payment plan before my procedure and paid all money owed. In XXXX XXXX, I received a bill with no explanation of services telling me I owed money. I contacted the company asking why. I was informed they miscalculated the money I owed for the procedure and I needed to pay it back. They also charged my account for medical procedure my husband had done. I asked them to remove my husbands debt as I am not liable. My XXXX XXXX XXXX and I needed a new procedure to fix this mistake on their part. This was XXXX XXXX. I was told this procedure was free due to it being an error on the XXXX part. I was told I was not liable for any money owed. They still charged me regardless, and informed me I had to pay my husbands debt. I am not liable for this money owed since I have no explanation of services, and the 2 nd procedure was not my liability. Im also not liable for medical bills for someone else. I have not been contacted by any debt collectors or received bills to my house ; however, a collections is now on my credit report. I would like fornthis to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: General Motors Financial Company, Inc.
State: CA
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:
Im in the middle of litigation with GM Financial whom is trying to collect an alleged debt. I have recently received a letter which i have attached stating they may exercise their rights under law for non payment of a debt? I never heard of a law that protects Debt Collectors BUT there are several laws that protect the Consumer, the natural person and the original creditor.

Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATIO
N, or PROPERTY of any person.

GM Financial is using criminal means and is trying to harm my reputation by repossessing my vehicle at my house in front of all of my neighbors and family. They will also harm my property which is on my drive way at my house.

They are using criminal means pursuant to 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the SEIZURE of any property which would be
my vehicle.

Im here today for more proof for the courts to see that GM Financial is still on the path to violate Consumers and Original Creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I logged onto the Navient site last week. They have the incorrect school listed online for where I attended XXXX. I went to XXXX of XXXX and they have XXXX  XXXX listed. Also, I feel very confused about where they have allocated my payments and where the payments are going. I get that I owe A LOT in loans, but I do not see where the payments are going.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Bankruptcy account has been removed from XXXX. which means it should be remove from XXXX and experian now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from 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 2018-01-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I tried to reapply for Income Driven loan repayment program, but keep being given false information and have had my interest rates rise over the last five years to unpayable amounts. The company is asking that I make payments of {$1300.00} USD per month even though I only make between {$45000.00} next after taxes each year. My original loan provider was also XXXX XXXX and Navient does not even have all of my information about my previous loans. My current loan balance is over {$130000.00} and has not been chipped down at all, even though I made over {$10000.00} in payments for the XX/XX/XXXX annual year. On Monday, XX/XX/XXXX, I made a call to complain about repayment terms not reflecting the income driven repayment plan and was told that I had to reapply again through the federal website ; even though I had spoken with a manager at Navient in XX/XX/XXXX who said everything had been taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 I paid the debt collector, Scott & Associates , P.C . on behalf of XXXX  {$1900.00} because they said they filed a law suit against me. I signed the agreement agreeing to the {$1900.00}. The debt collector said the suit would be dismissed and they would report the payment to the credit bureau. Since then nothing has happened. The case is still active and i do not see that the payment in full have been sent to the credit bureau. 

Companies involved : XXXX XXXX XXXX Scott & Associates , P.C .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Checked my credit report on XX/XX/2019 and Synchrony bank decreased my credit limit from {$2500.00} to {$1500.00} making my utilization 90 %. I owe {$1400.00} on the card currently.

I never missed a payment and always on time. This is negatively affecting my credit score.

I called them and asked them if they could raise it back to the original {$2500.00} limit, but they declined my request.

I am working towards buying a house so this will hurt me big time.

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 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
there inaccurate information on my report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation