BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2021-07-12
Company: Nelnet, Inc.
State: TX
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:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX  and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I don't owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is failing to validate the information they are attempting to collect for. I paid XXXX ( original creditor ) everything that was owed to them as of XX/XX/2017. I have been attempting for several months to receive actual evidence of said {$20.00} debt, such as an itemized bill with payment history and the original contract. All I keep receiving are letters that say, " we verified that this item belongs to you '', without any information which is not validating the debt. Please help with this company as they are reporting negatives on my credit report. I have spoke to XXXX who have verified that this amount was in error on their end and has sent verification to Amsher but Amsher is refusing to speak to them the phone and or update this information. 

According to XXXX privacy policy, " When We Share Information Collected About You. We do not sell your name, address or phone number to others outside the XXXX corporate family to market those companies products or services. Account Holder. If your use of our products and services is in conjunction with an employer discount or multi-line account, your employer or the primary account holder may have access to your information. For Legal Process and Protection. We will provide customer information where necessary to comply with the law, such as disclosure of your information to a law enforcement agency for your safety or the safety of others, or when compelled by subpoena or other legal process. De-Identified Data. We may provide your de-identified information to third parties for marketing, advertising, or other purposes. 

This is also a violation of XXXX   privacy policy that they agreed to as I copied above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Synovus Bank
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: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
First Progress XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: General Motors Financial Company, Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As of XX/XX/XXXX i made a {$500.00} a payment. This was applied to the XX/XX/XXXX payment due at the time. I texted with the XXXX App the next day XX/XX/XXXX as the {$500.00} was applied to the XX/XX/XXXX payment due and then towards the interest on the XX/XX/XXXX payment. Not yet due. The rep i texted with said they'd fix it and reapply the difference towards the principal. After it was corrected i made another {$50.00} payment to the principal XX/XX/XXXX ( before the XX/XX/XXXX ) payment is due and their XXXX system misapplied it again ; It was applied to interest not yet due. I had to text them again about it and they said it would be fixed. Then i had to call to make the request. 3 times this month. I requested a payment history from XXXX after the payment corrections. The math behind the recorded XX/XX/XXXX payment does not make sense with the anticipated amortization that has occurred since i bought the car. It's not on track. ( PLEASE SEE ATTACHED PAYMENT HISTORY SENT TO ME BY XXXX ) Each month a portion of the payment is applied to interest the other to principal. AS an XXXX for a big bank with a business degree i'm fully aware on how amortization works. So with that being said. i'd like to report financial harm being brought on by GM Financial. Their payment system constantly misapplies my additional principal payment with hopes to pay this loan off sooner than the XXXX payments i signed up for. EACH month since i bought the car i've had to call and write them. I believe this is the XXXX complaint about this. I would hope the CFPB is keeping track of this customer nuisance. If you look at the attached payment history you'll see between the recent recorded payment and what was paid in XXXX XXXX XXXX last month vs prior month you can see the trend based on the amortization. For some reason they charged me more in interest on the XX/XX/XXXX payment than they should have. I believe this is attributed to the same funds intended as additional principal being yet misapplied. I believe they are manipulating their payments on purpose to keep people in debt longer at 8 % and not giving credit for the client 's on-time payments with additional funds to decrease the balance. Considering there's a common trend with reported numerous complaint i would hope the CFPB would open a case to inquire about their payment software and billing practices. I'd like to report the financial harm they are causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am demanding removal of this collection from Jefferson Capital Systems. My debt is not with them. I do not owe them the {$820.00} that is reflected on my credit report and it is deeply impacting my credit score. Jefferson Capital Systems claims that the debit is from XXXX XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them. I have requested validation of this debt but have received no response from Jefferson Capital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have disputed this inaccurate information on my report for months, it is still causing a tremendous hardship and the information remains : =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX ============================================== DEPT OF ED / XXXX Reported : XXXX. XXXX, XXXX {$73000.00} In good standing ============================================== XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX XXXX closed 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 non-monetary relief
Consumer complaint received 2022-08-30
Company: Colony Brands, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX 's appears to be a home furnishing store, which is based online. I have never purchased anything from this company. I have not received any products or services from XXXX 's. I have not applied for any credit with XXXX 's, either. Upon receiving a bill from them for a little under {$500.00}, I called XXXX 's at the end of XXXX. I was told a tablet was ordered for delivery to a state which I have never visited. They said they would send me a form to submit a fraud claim. I have yet to receive it. Oddly, XXXX 's also said the order had been cancelled by their Fulfillment department and the tablet was never shipped. When asked why the charge could not just be removed since no products were provided, I was told again that I would have to submit a fraud claim and a form would be coming to me to complete. It has been a month and I haven't gotten said fraud claim forms, but I have received another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Texas Guaranteed
State: TX
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:
Problems started from the very beginning with trellis. They gave me the option to consolidate and add a ton of interest or threatened to mess up my credit and keep me in default and take my money from my work. They even locked me out of my account so I couldnt pay. They didnt let me in until I threatened to get a lawyer. I was not about being forced into adding $ XXXX to my loans so they took the money from my checks. They will not let you pick how its applied so they put the money towards the low I retest loans first leaving the high interest. I have finally gotten to below {$1400.00} and they stopped cashing the checks and threatened to give my money back. Because they Have been charging illegal interest against covid rules and still taking my money. I wrote them and called them. Then emailed what they told me to. I emailed them to keep the money and apply the illegal interest towards the loan. Instead they have now sent me a refund and put all my balances back to $ XXXX on the higher interest loans. I know they did this so they can do collection and interest again. These people should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: WI
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:
Equifax// XXXX XXXX XXXX Told me they close my account out XX/XX/2018 and reported To the credit bureau that the account was closed paid and delete it still shows balance of XXXX And still reporting late damaging my credit score Called and spoke with the Vice President of the company he told me I owed XXXX and settled the account for less than and personally takes care of reporting to the credit bureau and he did so And he has paying customers to get to and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Asset Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I received a bill from a company called AssetRecovery Solutions, LLC that asked for me to settle an account for 70 % of what is owed. I have no knowledge of this account or of the balance due and this is the first time I have been contacted about it. I was never sent a bill from the original creditor listed which is XXXX XXXX XXXX and the tome of the letter looks like it is scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Ive been getting multiple calls a day from " XXXX XXXX from USCB to pay a debt. I do not have any debt at all. This is a scam trying to get our credit/credit card for thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Money authorized once via XXXX was charged twice at the banking institution. My checking was overdrawn and had to be transferred from my savings. I have gone without funds for 5 hours and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: QuickClick Loans of Illinois, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Told me they close my account out XX/XX/2018 and reported To the credit bureau that the account was closed paid and delete it still shows balance of XXXX And still reporting late damaging my credit score Called and spoke with the Vice President of the company he told me I owed XXXX and settled the account for less than and personally takes care of reporting to the credit bureau and he did so And he has paying customers to get to and hung up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to XXXX  ; XXXX and Transunion on the XXXX XXXX XXXX  account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2021, I received dispute letters back from XXXX showing multiple accounts were deleted off my credit report, yet they are still showing. I am in the process of sending a new round of letters with copies showing that the accounts should be deleted. There are currently 4 accounts and 4 collection/medical accounts still showing on my account that was supposed to be deleted in XXXX. 

These same 4 accounts plus one extra and collections are also shown on my Trans Union account after notifying them XXXX has deleted the accounts off my report, so its mandatory for them to do the same. I demand remedy/relief from TransUnion, for this has impacted my credit report and ability to get approved for anything with these negative, inaccurate accounts 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 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive recently reached out to creditors and the credit bureaus about inquiries on my account that do not belong to me that need to be deleted from my TransUnion 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