BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent a letter on XX/XX/XXXX, to delete these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the Bureaus letters are sent. Ive already included this in my previous complaint & I am including it again. The items are listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX  XXXX, MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-09-25
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: AK
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:
I was XXXX and didn't realize loans from alaska post secondary education commission were " private '' loans and yrs later I fell on hard times and had a deferment on the XXXX, XXXX XXXX ( XXXX ) and XXXX XXXX at the time. I mistook the APSEC loan with federal and ended up defaulting on it. the loan in return goes from $ XXXX into $ XXXX. I would have to find the paperwork for specific dates, but this happened around XX/XX/2012. I've tried calling many times to APSEC and I'm always reverted to XXXX XXXX because they are the collection agency, which they are no help other than paying off the entire balance or 90 %. I can't believe there is no way to get out of default like with a rehabilitation program or anything. perhaps consolidation, but it is just crazy how the balance doubled - it is extortion. especially, since the XXXX financial advisors were basically just salesmen to XXXX yr olds just, like, " oh yea we can get you the money. '' XXXX is in a fact a for profit university just milking ease of student loans. I honestly wish I never went to college after this experience. DO NOT TAKE OUT AN ALASKA POST SECONDARY LOAN. 

of course many will just say " didnt you read the fine print. '' well, struggling and juggling multiple lenders, I didn't realize it was separate from federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
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:
I have a public record of XXXX  XXXX bankruptcy on all three credit agencies that has been discharged for a little over 2 years. I would like to see that removed. 
Also I have XXXX XXXX  and credit acceptance that was on that XXXX  XXXX bankruptcy that's still on my report ( s ) I need taken off.

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 2018-09-24
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My car loan was sold to another company ( Santander Consumer USA ) after my car was deemed a total loss. I was never notified that the loan was being transferred or that the account was placed into collections or a charge-off. When I contacted the company after noticing that my credit score dropped over 50 points, they were unable to give me proper information or documentation that the account received payments from my insurance company or GAP company. I even called both of these companies to verify that the payments were actually made and each company verified the dates and amounts paid to my original loan company. Unfortunately because the account was sold during this process, my original loan company has no further information and said that the new company would be able to verify everything but was not able to. I spoke to several representatives who placed me on several holds for long periods to speak to managers since they didn't have information about the account being placed into collections, payments received, and was even hung up on while waiting for resolution. They did offer me a settlement, but that will not help out with the damage to my credit after trying so hard to repair it from a divorce. To reduce conflicts and because I was afraid that interests and late fees would apply, I continued to make a payment in XX/XX/2018. They said that once they received the account, it was already a charge-off / in collections. How is this possible when I made payments while waiting for the insurance company to send their settlement check and my GAP coverage to send theirs? Again, the company is unable to give me answers and only offered settlements for the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-07-07
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-02-26
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter to XXXX and Equifax requesting validation of debts and derogatory marks being reported to my credit. As of XX/XX/2021 I have not received any form of validation. This is against the Fair credit reporting act law stating agencies have a 30 day window to provide validation. The following accounts and inquiries were listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: BB&T CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on 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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2023-04-05
Company: Servicing Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are sick and tired of getting phone calls when we have scheduled our car payments online within the grace period and we have never been 30days late, NEVER. 

We are new to Servicing Solutions and the car collections representatives fail to check the system before they harass you into making a car payment. I have asked for Supervisor after Supervisor after Supervisor to stop the phone calls, when there is a payment already scheduled for our car loans and yet the phone calls continue. 

My car payment was scheduled on XX/XX/2023 for the draft date of XX/XX/2023, I received telephone collection calls on XX/XX/2023, XX/XX/2023 and XX/XX/2023... THIS IS HARASSMENT SIMPLY BECAUSE Servicing Solutions representatives fail to read or review the appropriate system screen, IF THEY CALL ME AGAIN I AM GOING TO SEEK LEGAL ACTION...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX internet service has placed a equipment charge of XXXX in collection with Eastern account system that's on my credit report. That was opened on XX/XX/23 and I have spoke with XXXX cable service five times in the last month. I spoke with XXXX on XX/XX/23 and confirmed that they received their equipment on XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax has removed an account that does not belong to me and put it back on. This is harming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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 have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2023-06-13
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I currently get paid through SSI. The Bank that my SSI is paid through hasbeen double charging me for amounts between XXXX and XXXX respectivily for the past few years, I brought this to their attention and while they refunded some of it, they have now put my balance at XXXX dollars and cents. I can not access the XXXX roughly that should be in my account. They may have mis placed a decimal however I can not get anyone to look at it. 
I have called the Bank, I have tried Messaging the Bank, They will not resolve the issue that as of now even though there is {$830.00} roughly dollars in my account with only two withdrawels one of which is XXXX and the other XXXX I'm currently at an overdraft of roughly {$370.00}. I have tried all day to fix this. I have photos of the dates and amounts however they are not showing where the difference is in the missing money aside from the complaints I have Filed. If you want any more information I would be glad to provide as I have to inform SSI about all of this. I accidentally hit the mouse and see you allow for attached documents. 
Please contact me and I will in the meantime transfer the photo 's from my phone to my computer and upload them to you should you need them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My account was frozen by ReliaCard for identity verification. I called the company to try to resolve the issue and was told to fax in a copy of my social security card and ID and it would be unfrozen in 3-4 days. I did as instructed and a week later it was still frozen. I called again and was told to fax in my social security card, ID, and W2 forms. I told them I lost my W2 forms in Hurricane Laura and faxed in the other documents a total of 3 times. It has been over a month that it has been frozen and they will not help me resolve it. My XXXX  fianc and I are having to live in a home with black mold and a collapsed roof due to not being able to access the money in 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 2021-02-26
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phoenix Finance is saying that I owe XXXX dollars and it has greatest effected my credit score. Theyve lied and reported the nearly XXXX on my credit and that is completely false. I need help contesting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-05-24
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Universal Recovery Corporation has two collection accounts on my credit report. I have sent letters asking for verification of the debt and they refuse to order it to me. I have asked them to remove the negative reporting since they can not send me proper validation of credit to me, but instead state that they have it. One account is {$6000.00} and other account is {$470.00}.

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