BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern. these inquiries are not mine, requests have been made without my consent and fraudulently, please removed these requests from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I asked Navient to submit my past payment information to a forensic accountant/lawyer who I hired to review the charges to my account and they have refused to do that. 

I make payment for almost 14 years well beyond the due amount every month for years, which should have cost the balance to drop, but it has not. I want this forensic to compare the payments I did from my bank accounts to this company and make sure I have not been taken advantage. Navient, which is former Sallie Mae has refused to do so. 

I want all the information to be sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3100.00}, {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

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 2023-12-06
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i applied to apple card many times, each time they deneid saying they can not verify identity. 
company do not provide additional info or ways to rectify the situation the info on my application is correct there is nothing wrong but apple denies it i uploaded my ID and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had leased an apartment in which the lease was up. The apartment complex is the XXXX XXXX XXXX. I had paid my final utility bill and final rent. Most rental places take your forwarding address, or your information you had given them. And attempt to reach out. I had to turn my keys over to one of the leasing agents that I had words with prior to leaving. This was in XXXX. I have had no correspondence with the company since. No phone calls, emails, or mail. I had even had my mail forwarded from that address so the could Have sent a letter if they forgot my forwarding address. I woke to an alert that I am reported to a collection agency by the name of Hunter and Warfield. They have not attempted to reach out to me so I have no idea what I am paying.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-12-08
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my older brother XXXX XXXX asked me to co-sign on a vehicle that he planned on financing in the state of Florida. To my knowledge, the account was closed out in XXXX in the amount of {$6300.00}. My credit report ( attached ) also shows the account as closed. On three separate occasions over the course of 3 years, I have had to explain why a closed auto loan from XXXX XXXX XXXX XXXX has shown up as a collection mark on my credit report. On XX/XX/XXXX, I contacted NCB Management services to get a debt deletion letter, since I plan on purchasing a home soon. The manager, XXXX XXXX promised to send the letter on two separate occasions and has still not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: STERLING JEWELERS, INC.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Kay Jewelers is calling me and my co account holder multiple times an hour from  XXXX  from different numbers from different locations in the country.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX  contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. XXXX has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I own two vehicles, a XXXX XXXX XXXX and a XXXX XXXX XXXX and both were included in my Chapter XXXX Bankruptcy and that of my wife. I took out loans with a company called XXXX XXXX and have been speaking with XXXX XXXX, Bankruptcy Specialist, Wheels Financial Group, LLC dba XXXX, Legal Department, P : ( XXXX ) XXXX, F : ( XXXX ) XXXX and they have recently unlawfully repossessed the XXXX XXXX when I was taking it to the mechanic to have it repaired. They do not want to return the vehicle to me immediately and need your help. I attach all the information about the vehicle. Thank you and I await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
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:
This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, XXXX, and Trans Union. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello, My name is XXXX XXXX XXXX. I reside at XXXX  XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because Transunion, XXXX. took more than 30 days to verify the accuracy of the following disputed information pursuant to 15 U.S.C 1681i. These complaints are as follows : XXXX, XXXX, XXXX. According to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Transunion, LLC. must delete this disputed information which has not been verified. If this information is not removed in ( XXXX ) days, a lawsuit will ensue in XXXX XXXX court by-virtue-of XXXX XXXX and XXXX Laws. THIS IS INTENT TO SUE! I will assess a {$1000.00} per day fee upon receipt of this NOTICE until deletion of this inaccurate information pursuant to 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-17
Company: National Credit Adjusters, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sent Letter to National Credit Adjusters in XX/XX/XXXX, requesting them to validate debt that says I owe them {$1000.00}. Which I notice from my credit reports. They did not send me anything prior to me writing to them or following month, after my notification in writing. I sent a second Letter asking the company to remove the information from my credit report. Since they did respond to my first letter asking them to validate information and who they were .What I did notice was they removed them selves from my credit report between the months of XX/XX/XXXX, XX/XX/XXXX and then returned back to credit reports on XX/XX/XXXX. On XX/XX/2019 National Credit adusters Sent inofrmation with list of alleged Charges that do not added up to the amount that, show on my credit reports. And pages that do not show that I owe National Credit Adjuster or a original Contract with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have written to the Transunion regarding a personal information error on my credit file with regards to employer. I have also provided the name of the company and the official registration and seal of the company active status from the State of Florida. These information was sent by registered mailed, which was collected and claimed to be corrected, however the company name given is still shown as XXXX. The correct information is XXXX XXXX XXXX XXXX XXXX. This is personally affect my application status for additional credit and any application for loans. I have spoken with customer service representative at Transunion, who indicated that the file was updated. i have also copied your organization on this matter and the issue is not resolved. This is unacceptable and poor service from both organization. Please have this issue resolved immediately. 
Also another issue I have is that i am using the given numbers provided by XXXX services to remove a security freeze on my credit report. the service is extremely poor, after providing the information, its rerouting me online to get pin to resolve the issue. numbers given on are XXXX and 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 2019-03-13
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 fraud alerts or security freezes

Complaint:
This refers to my previous complaint # XXXX regarding the repulsive treatment I received from TransUnion when requesting to view my credit reports online against my better judgment. The reason for this was my inability to obtain a telephone number where I could speak to a worker in my own country from hostile and rude overseas workers. I almost became sick when I read the ridiculous and slovenly response of the company who seemed to not comprehend my complaint. I was totally disbelieving of their removing my extended fraud alert. I responded to CFPB that none of the issues I mentioned were addressed and the horrible people of TransUnion REMOVED MY EXTENDED FRAUD ALERT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I demand that they replace MY EXTENDED FRAUD ALERT on all 3 credit reports from the 3 reporting services 1-TransUnion 2-XXXX  and 3-XXXX. They only made matters worse since I have gone through XXXX since my identity was stolen from my lawyer 's data base! This has been a 13 year nightmare. I will need the three credit reporting agencies to replace the extended fraud alert and send 3 corrected reports with the fraud alert clearly stated on them. There is no excuse for this confusion and never ending nightmare. Until I receive my 3 annual credit reports with the fraud alerts I will continue to file complaints. If I have to contact the president himself I will do so with this example of how something which should be fairly simple can become a long and torturous exercise in futility. As far as the original issues, I just give up-these agencies will never change. God bless America

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 2023-11-10
Company: EQUIFAX, INC.
State: OR
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I reviewed my credit report from Equifax and notice that there are some inaccuracies in my file. 

XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - payment history is inaccurate ( documentation provided )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland funding continues to attempt to collect a debt for an account I never opened. The account is originally with XXXX XXXX  per my credit report however, no further information has been furnished to figure out who opened this account in my name. I have disputed with the credit bureau and submitted a police report. I have recently filed a report with FTC because I am getting no responses from Midland Funding regarding this fraudulent account.

Company response to consumer: Closed with non-monetary relief