BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This account was created in 2016 and needs to be removed from my report. This company has inaccurate information and no right to report this account on this apartment complex. 

This was a university apartment shared by 4 people which the complex was mismanaging accounts and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient is reporting that my account has missed nine payments. This is a federal government loan that was a part of Sallie Mae. Navient is not honoring the federal extension for 0 % interest and suspension on payment. I filed for a Income Driven Repayment Plan being that I am in the poor status since acquiring this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: C/C Financial
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Preferred Lease, a rent-to-own company located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is reporting a charge off on my credit report which I paid down initially. Once the account went into charge off status, I disputed its inaccuracy. Ive reached out to the company several times directly in order to solve this matter via phone and mail to no avail. I have to tried to make payments on it and set up payment plans to have it taken care of. After a while I was not able to get through to them. They repeatedly updated my account as charged off monthly, which is in violation of the FCRA and they denied me the opportunity to settle. I disputed this with XXXX to no avail. I would like this account immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: SYNCHRONY FINANCIAL
State: SC
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:
I have a hard inquiry by a syncb/XXXX that I never authorized from XX/XX/2018. I found out through 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 non-monetary relief
Consumer complaint received 2018-09-13
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company called me claiming to be the collection agency for US Bank. And they extorted me into paying {$600.00} to them. It was not until today when another person tried to scam me did I realize that I was in fact scammed here is the documents for this person. This address is registered to a XXXX store. How do I get my {$600.00} back

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 2021-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Told them after $ XXXX of dollar being spent to fix this car its still not fixable and I was on reemployment assistance but was not receiving any income. Guy stated nothing they can do, so payment is messing up credit. He just wants to extend my payments but its higher now because they ended up repossessing my car and I had to use my savings to get the car just for it to become messed up again and its currently being fixed on once again. Tried to come to a agreement for reasonable price but they insist I pay {$8000.00} debt left in this time of hardship.

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 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter off 60 days ago to all 3 credit agencies and havent gotten a response back I also sent out a 30 day comply and demand letter with no response..now by FCRA laws im supposed to recieved a reponse in 30 days and if not its supposed to be deleted off my credit report. I would like this matter taken care of so i can move forward with my endeavors.

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 2020-08-21
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: 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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2019-01-09
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
Theres numerous inquiries listed on my Chex Systems Consumer Report. All the checking accounts and credit inquiries listed on my Chex Systems Consumer Report are fraudulent and unauthorized. There shouldnt be any checking accounts or credit inquiries listed on my Chex Systems Consumer 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 2019-01-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon applying for a mortgage refinance in XX/XX/2018, I found that a company XXXX XXXX dba XXXX had opened a collection item that was reflecting on both credit /bureaus and negatively impacting my credit score. I called XXXX who told me they could not help me as the account was being handled by their subsidiary XXXX XXXX. I called XXXX XXXX and explained to an agent that I never applied for or received the XXXX 's debit card their company is negatively reporting as a collection item on my credit profile. I was told something to the effect that XXXX XXXX could not access the information on the account but the agent took my information and submitted the negative item as fraud. I also questioned the validity the item since it is reported as a XXXX 's debit card which is a card that draws directly from the applicant 's bank account. A debit card verifies and draws funds upon approval that the funds are present and accessible. The agent did not have any answers. A few days later, I received a letter from XXXX  stating that they were not currently handling the negative item. I also received a couple of letters from XXXX XXXX one acknowledging my call/dispute and another requesting all of the same information I submitted to them over the phone. I completed the information and sent it back. I have called twice since for updates, but am repeatedly told there are no updates reflected on the file.

In the interim, I am in the middle of a mortgage refinance and this negative item is driving down my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was on the income driven repayment plan, so my monthly payment was a little over {$100.00}. I was enrolled in autopay. This month XX/XX/2019, without warning Nelnet took {$730.00} from my checking account when I put a stop payment on. They deliberately took my funds and now after speaking with several operators, first customer service XXXX, then a supervisor, XXXX, and than a Manager named XXXX. They repeatedly said there was nothing that they could do. Nelnet just committed fraud. I demand answers and a refund of {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 at XXXX Eastern Daylight Time, my friend was sent {$20.00} USD or in XXXX XXXX XXXX which XXXX in XXXX , XXXX XXXX XXXX ( XXXX ), XXXX would not release after he gave the amount, his name and ID as well as my name and identifying information. My hope is your officers will assist in not only my being refunded the transferred funds but additionally the {$6.00} transfer fee as a service was not provided. My thanks for your help. The company was XXXX XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX operator ID XXXX ) in XXXX XXXX, NY XXXX. Blessings on you and your family!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this  alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022

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 2018-09-14
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2018-04-04
Company: I.C. System, Inc.
State: UT
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:
XX/XX/XXXX ICS systems on behalf of XXXX XXXX submitted a charge off on my credit report resulting in my credit being dropped -50 points. I had contacted XXXX XXXX in XX/XX/XXXX when notice of this debt was received by mail. XXXX XXXX  was asked if they had received the modem which i was being charged for, they said yes. two months later i had a charge off on my credit report. I contacted the credit collector and disputed the charge XX/XX/XXXX. I contacted century link XX/XX/XXXX again gave them the tracking number, and they finally resolved the charge. However they have made no effort in good faith to repair my credit rating. They gave me blanket statements that it would probably be resolved in 30-60 days. This is unacceptable.

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 2018-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a credit card with Bank of America. I had some problems accessing my online banking so I contacted customer service ( XXXX from California ) on XX/XX/2018 at approximately XXXX XXXX. As I was speaking with XXXX who was helping me regain access, a question popped up requiring me to provide my " citizenship status ''. I asked the representative if I was required to provide that information and she said that I was required to provide it. I refused to provide my citizenship status. I don't feel that a credit card company should have a right to inquire about my citizenship status! I called back to file a complaint about 15 minutes later and then was told that Bank of America could ask about " dual citizenship '' because they needed that information due to federal regulation. The question did not ask only about " dual citizenship '' but about both citizenship and dual citizenship. I feel like these questions violated my privacy.

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 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
HI Kohls/Capital ONE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX 2021 for 30 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
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:
I sent multiple credit disputes with these companies asking the to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these 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 explanation
Consumer complaint received 2018-09-14
Company: Sequium Asset Solutions, LLC
State: FL
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:
I attempted many times to contact Sequium Asset Souloution located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX via phone, mail and email but I can not get in contact with a single employee. I have 2 accounts that are fraudulent on my credit that are due to my identity being stolen. The first account was opened on XX/XX/2018 for the amount of {$710.00}. The second account was open on XX/XX/2018 for {$1200.00} which both are in collections. I have obtained a police report and forward it to the XXXX credit reporting agency but they can not remove the charge from my file stating that I have to deal directly with the creditor, I had other fraud charges on my credit report that were cleared up with the police report but Sequium Asset solution is the only company left and After many many attempts I can not get a hold of a single employee. The company never even contacted me to let me know that I have a past due account not one phne call letter in mail or email. Also there are 2 address on my report that are associated with the the 2 accounts that are fraud, I would like the removed also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation