BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: U.S. BANCORP
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from US Bank. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called US Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. US Bank told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...

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
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to rectify this as soon as possible. I have never missed a payment on this 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 2021-08-12
Company: Experian Information Solutions 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:
I recently checked my credit report and Experian is reporting an incorrect address on my report that does not belong to me. The following address does not belong to me and needs to be removed immediately XXXX XXXX  XXXX XXXX XXXX GA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone open a XXXX XXXX XXXX account without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

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 2017-09-20
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO
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 received a " Data Report '' from NCTUE ( National Consumer Telecom & Utilities Exchange ) dated XXXX XXXX, XXXX, that erroneously showed a late payment to XXXX. I contacted XXXX XXXX XXXX, XXXX and confirmed that there was no such late payment. 

XXXX representative told me that I needed to initiate a dispute with NCTUE to fix the report. The same day ( XXXX XXXX ), I mailed a certified letter to the NCTUE  dispute address listed on the Data Report. On XXXX XXXX, I received the receipt from the USPS indicating that the certified letter was delivered and signed for. 

On XXXX XXXX, XXXX ( over 30 days after the receipt of the dispute letter ), I called the NCTUE customer service line ( having received no updates since I mailed the certified letter ). I spoke with an agent, and that agent 's supervisor ( supervisor employee ID # XXXX ). They said that no dispute process had been initiated. They promised to start the dispute process over the phone, but could not provide any confirmation number due to their " system being down ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2011 I enrolled in XXXX University and to cover tuition took out approximately {$6800.00} in federal student loans ( loan information attached ). In XX/XX/2011 I withdrew from the University ( withdrawal confirmation attached ). I recently received notice that the tuition amount, despite being covered by Federal student loans which I am paying, was sent to collections and is attempted to be collected on by a collection agency ( see attached credit report ). Not only is this debt illigitimate, it is being incorrectly reported on my credit report for a much higher amount as well as an incorrect date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: GREAT LAKES
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been continually harassed by Great Lakes since XXXX XXXX. At first I was being harassed on the phone ( a business phone ) during business hours which I had requested not happen, regarding a loan repayment plan and then about in-school deferment. Calls needed to be for emergencies only. After several phone conversations, my number was finally removed from the system so that I would not receive harassing phone calls during business hours. Now, I get threatening emails because I do n't have a phone number on file. There does not seem to be a solution. I do n't have a personal phone number because it truly is n't affordable or a priority, I have internet and that covers everything I need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never have a account with XXXX XXXX I call them I do t have a account but they want me to pay {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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: Public record information inaccurate

Complaint:
I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.

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 2018-09-26
Company: Navient Solutions, LLC.
State: NV
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:
My student loans started with Sallie Mae. They moved to Navient and my student loan is twice the amount I originally started with. I tried to work things out with them with the income driven repayment. I still couldnt understand how my loan doubled. I received an email yesterday on XX/XX/18 stating that they made a mistake in did not add capitalization fees and they are adding on fees and making my monthly payment higher. I was on the phone with Navient and they stated this happened to a lot of people. What I dont understand is I contacted the Federal Student aid to help me lower payments and interest two days prior and now its getting raised and the supposedly made a mistake. I tried to contact them for help today and they said there was nothing they can do. I told them I do not want to pay because I feel like I am getting screwed and they stated they can not take my payment off. What can I do!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
So I became an authorized user on my moms account when I was XXXX years old and apparently she had a late payment which stuck to my credit score and now my credit is down. I tried contacting XXXX XXXX they were no help I just want it removed from my history because it wasnt my transaction.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Also acct has wrong information showing having my last name as XXXX XXXX which is incorrect and also wrong move out date showing. I have disputed this many times. Please help me 15. USC Section 602A state I have the right to privacy.

15. USC Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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 2018-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX XXXX on my credit bureau and it's negatively impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have mailed a detailed letter to Navient underwriters or General Correspondence & Submitting Documents. I have sent it on XXXX XXXX, 2017 via USPS tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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:
I HAVE SENT OUT MULTIPLE DISPUTES REGARDING FRAUDULENT INFORMATION ON MY CREDIT REPORT. THE LAST DISPUTE I SENT OUT WAS XX/XX/2021. THERE HAS BEEN ZERO RESOLUTION TO MY CREDIT REPORT AND I UNDERSTAND THAT WHEN CLAIMING ID THEFT AND FRAUD THE BUREAUS ONLY HAVE 4 BUSINESS DAYS TO REMOVE THESE ACCOUNTS. ITS BEEN MONTHS AND NOTHING HAS BEEN SOLVED. I AM VERY DISSAPOINTED, THIS IS HINDERING MY ABILITY TO BUILD MY BUSINESS, I AM STRUGGLING FINANCIALLY AND THIS ISNT HELPING. PLEASE HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called to pay my last bill of a return check fee of {$29.00} which I dont feel like I should have to pay because it was a mistake I already explained that in my other complaint that has no response to. When I made the payment of {$29.00} on XXXX it was late due to the automated system did not let me pay it, it kept trying to transfer me to a live person which I didnt want to do that because they charge a fee to pay with a person. I wind up having to pay on line and there for it was after XXXX XXXX but I was trying several attempts to pay through the automated but it was not allowing me. This was supposed to be my last Bill which I dont feel like I should have to pay the return check fee or the late fee. Yall closed my card even though I was making on time payments and everything. I would really just like to be done paying this card. I have enough things going on involving my health and this pandemic I would like both fees removed please because neither of them are my fault. I dont want to have to get my lawyer involved and take yall to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BMW Financial Services NA, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
, I'm writing in regards to my concerns of being upside down financially in my XXXX.

Ive had 3 XXXX 's I've experienced and this is my third. 
I had a salesperson by the name of XXXX at the XXXX dealership on XXXX XXXX and XXXX in Arizona and he basically took me out of my XXXX Lease of the brown XXXX and put me in the XXXX red XXXX. 

We went over pricing things of that nature and how the leasing was different than the purchase. 
However, he never explained that there was going to be an absorption of cost from the lease to a purchase.Instead of the cost being XXXX used rental from the dealership Im upside down of XXXX from the lease that was in my name. 

I work as a Independent Consultant for XXXX XXXX and due to the pandemic we are going thru a reorge reorganization and I found this week. 

So I don't know what other options you can offer me I am in the verge of filing for bankruptcy chapter XXXX in by next Friday. 
I thought you couldn't get a resolution based on my last conversation with customer service. 

I just need to figure some things out.. I feel like I've had to struggle with the car and he put me as a predatory lender in a car that he's no longer even with the company and just for a sale and I've had the car now for two and a half years. 

I would love the option of maybe leasing again possibly or voluntarily surrender /giving the car back. 

I wanted to inform someone of the misinformation the miscommunication that was presented to me to put me my current car financial situation. 
Please advise of my next steps to do. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Western Benefits Group, LLC
State: FL
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:
In roughly XXXX of 2015 my mother and I registered with this company to handle my student loan account that had gone into deferment status. Anytime I spoke to their customer service they seemed extremely legitimate and we have thought so for OVER three years. We were told to pay an up front fee of I believe either {$250.00} or {$300.00}, and then my monthly student loan payment was {$59.00} for the first 24 mos, and it was then lowered to {$39.00}. I have paid nearly {$2300.00} to this company to handle my student loans-to only now find out that according to the XXXX XXXX XXXX XXXX NONE of this money has gone towards my student loans, and I am now in delinquent status. I was also made aware that this company created an account for me with XXXX XXXX XXXX under a username I would never have created-which is identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: EOS 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: Account information incorrect

Complaint:
This reporting agency is reporting on my credit. I have no idea who this is and never had XXXX. I contacted them directly and they would not help identify how or what this bill was. 
I requested proof regarding this account and she denied me. XX/XX/2020 when called. She then hung up on me and said good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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: Public record information inaccurate

Complaint:
I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.

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 2022-10-05
Company: EQUIFAX, INC.
State: MD
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 have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received money for an eBay sale through PayPal, but after claiming it PayPal " permanently '' closed my account and said they'd keep the funds for six months, despite XXXX saying it was available. The customer support hasn't been responsive and I of course haven't done anything suspicious with the account. 

This prevents me from selling anything else and cancelled all my subscriptions with PP. 

- On XX/XX/XXXX I sold an item on eBay to someone. They received it but didn't remember to file positive feedback. 
- I hadn't connected my XXXX and PayPal account, so on XX/XX/XXXX I did this by adding the email to PayPal. 
- On XX/XX/XXXX they locked my account. 
- I reminded the XXXX buyer to file positive feedback and they did ; XXXX said I'd get the funds but I did not. 
- On XX/XX/XXXX I got an email from PayPal saying the funds are available, but I can't withdraw them. 

I connected PayPal on twitter to ask about it. They didn't respond for a week, but then said they'd look into it. It has been another week since then and I haven't got a response.

Company response to consumer: Closed with non-monetary relief