BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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:
Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, It is my understanding that under the law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Sincerely,

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2023-08-02
Company: STATE EMPLOYEES CREDIT UNION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATE EMPLOYEES CRED U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. 
PLEASE REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: National Credit Adjusters, LLC
State: CA
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:
National Credit Adjusters LLC representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, XXXX, I notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have noticed Collection Agency Information located on my credit reports. Also, credit reporting inaccurate & incomplete information without proper notice and validation of the debt may violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Ive written to the Collection Agency to notify them of their unlawful mistake. Furthermore, XXXX never properly contacted me concerning any debt owed with a balance of {$19.00}. However, I have disputed a similar debt from a different debt collection agency in XXXX of XXXX. I also requested that the debt collection agency send a copy of my dispute letter to the original creditor to ensure XXXX is aware of my dispute with the debt. The collection agency never responded to me. Finally, there is more than one person with my name in the database at XXXX. I respectfully asked for XXXX  to promptly inform me in writing of the results when XXXX has finished with its investigation regarding this medical bill of {$19.00} at my address. I did not receive a response from XXXX For transparency, I informed XXXX  that I may file this letter as a complaint with the Oklahoma Attorney General as well as the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The dealership finace officeXXXX XXXX misrepresented information on the APR rate in closing our vehicle purchase on XXXX/XXXX/XXXX. When presented with our Bank of America online pre-approved apr of 2.24 %, XXXX insisted that our auto loan and purchase contract can only be written at 3.97 % from the same Bank of America at the time of our closing but the rate will be adjusted once he worked through the application with Bank of America XXXX department. When asked, he told us no further actions needed on our side. Everything will be taken care of. When we got the bank approved letter with XXXX APR, we made it available immediately to dealership on XXXX and again on XXXX. The dealership did not make any indication that they are not going to process the pre-approval letter. When the loan is established in our Bank of America account, we see the APR did not get adjusted as we were informed. We contacted dealership couple times, no response. I got suspicious and contacted BoA on XXXX again as i did not get a response from my call and email to my Bank of America loan officer. I was told by another Bank of America agent that the loan was processed at the dealer without the preapproved apr rate. I finally got dealerships response on XXXX/XXXX/XXXX. We were told the rate canot be changed and we would need to refinance. I sent an email as an official writen request to ask about their fraudulent practices on the same day, they immediately called and tried to resolve the issue but no real offer.

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 2021-08-19
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received an email yesterday which says I have a collection account by Online Information Services where original creditor is XXXX XXXX. 
However I have never opened any account with XXXX XXXX, they also have informed that when I called the company in the very next morning which also is a strong proof that I am facing with an identity theft. Then I started to call the credit bureaus for filing dispute on this account and then I have also called the collection agency, Online information services. They told me that this XXXX XXXX account was opened in XXXX, in XXXX XXXX XXXX where I have never lived. 
I would like to dispute this fraud account and remove it from my credit history. I can provide all necessary documents for that. 
Thank you Best Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: EQUIFAX, 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:
XXXX XXXX is reporting an account to all 3 credit beauraus that is not my account. I have never had a XXXX wireless account or applied for one. I sent them my ID and all the info they asked for to dispute the information but they are still reporting it as valid. Someone else opened this account in my name. 

I have disputed the amount 3 times, asking for the original contract and copies of my signature and this was never provided to me but the account debt was verified as well as called XXXX and sent them all the information they requested. I live in a completely different state than the address they report as opening the account. 
This has been going on for almost a year now. Started XX/XX/2020 I believe if not earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: IL
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:
Creditors have continually violated FCRA, FCDPA, and numerous consumer protection laws aswell as state laws.

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 2021-08-19
Company: Conduent Incorporated
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to find out how to get my account number and my routing number to my account so that I can have money direct deposited into my account and don't know my bank name, I can not find any of that information anywhere and I need it to receive a direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: IL
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:
Creditors have continually violated FCRA, FCDPA, and numerous consumer protection laws aswell as state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.

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 2021-08-19
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover Bank XX/XX/XXXX I sent a Notice of Adequate Assurance of Due Performance, Personal Affidavit, Bank Affidavit. I received a bill and a templated response. 

XX/XX/XXXX On XX/XX/XXXX Discover Bank sent a person to serve me a FAKE civil court summons. They did not serve me directly they served my brother. A statement of this incident of harassment has been attached in the pdf. 

XX/XX/XXXX I sent a Notice of Default and Opportunity to Cure. I received a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill that was said to validate NOT VERIFY the debt. 

XX/XX/XXXX I sent a request for a Method of Verification. I received a bill and a templated response. 

The inaccuracies are as follows : DISCOVER BANK The reporting across all the agencies is inconsistent. 
The charge-off date has been reported month over month which has left an inaccurate Date of Last Activity. 
Not verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: American Coradius International LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Coradius International LLC has willfully and knowingly violated Federal consumer laws. They have commited multiple FDCPA violations which includes contacting I, the consumer, without prior consent pursuant to 15 USC 1692c ( a ). Cease and Desist order was mailed out XX/XX/2021 and they continue to contact me about this allege debt pursuing payment which is a direct violation of 15 USC 1692c ( c ). Attached are all records of mailing and Bill of Particulars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Diversified Adjustment Service, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 I have sent DIVERSIFIED ADJUSTMENT a Affidavit, Cease and Desist, and enforcement action with invoice attached. The company has committed identity theft, they have taken my information and has furnished unverified/non-factual information on my consumer reports to attempt to collect a debt, this is a violation of both the fair debt collection practices act and fair credit reporting act. I the consumer has received injury due to the willful and intentional robbery of my identity, they have impeded my consumer report without direct permission from I the consumer, I have never had any type of contract with DIVERSIFIED ADJUSTMENT, understand DIVERSIFIED ADJUSTMENT has committed federal violations towards I the consumer. They should have never had any of my informationn without consent or contract, I Demanded that DIVERSIFIED ADJUSTMENT pay the invoice for each individual action committed and removal from all credit reporting agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL XXXX XXXX WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH XXXX XXXX ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.

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 2019-10-22
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Initial loans of 1996 placed in forbearance while I was in XXXX XXXX at XXXX XXXX, the XXXX XXXX XXXX, and XXXX  XXXX University. I have all my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: CL Holdings LLC
State: IL
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 have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX  XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am  requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Source of dispute information : Navient Solutions , LLC Type of disputed information : Inquiry Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : This loan was issued under predatory pretenses. Navient Solutions lacked transparency about unfixed and variable interest rates. I was not given valid information about repayment options and was consistently given increased minimum payments despite reaching out to lenders as an attempt to keep the loan in good standing. 

The account with Navient Solutions monthly payments exceeded monthly gross income. I experienced financial hardship due to job loss and as well as the continued financial hardship due to the coronavirus pandemic. Reached out to the company about lowering payments so I can keep the loan in good standing but there was an issue with lowering monthly payments. I have even attempted to set up a payment delay with the lender but was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: MI
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:
ON XX/XX/2019 I SPOKE WITH EQUIFAX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. EQUIFAX INFORMED ME TO CALL XXXX XXXX WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH XXXX XXXX ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.

Company response to consumer: Closed with explanation