BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$480.00} and {$79.00}, Date : XXXX XXXX and XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$280.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$680.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX. XXXX and XXXX, Amount : {$100.00}, Date : XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I took out a Parent Plus Tuition Answer Loan from Sallie Mae for my son as he was going to school. I was told this loan could be used for anything. I paid the interest while he was in school so I would not increase the principal. I noticed once the loan was transferred to Navient they capitalized and added all the payments I made to the loan increasing the balance. I contacted Navient and they said the online system was wrong and that the amount I owed was now {$10000.00} more. 
During the recession I needed assistance and they told me my only option was forbearance. 
In XXXX I filed chapter XXXX bankruptcy and this debt was included in the proceeding. All debts were discharged. However, when I called Navient they said that this was a " school '' loan and not dischargeable. I have since learned this is not true. 
A Parent Plus Loan Tuition Answer is not considered a school loan as it does not have to be used for school or can the interset be deducted like a school loan and is in fact a personal loan. This should have been discharged in XXXX. 
I am STILL paying on this loan with no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is attempting to collect on a debt for their client Calvary Portfolio Services.  This company does not have any original contracts and the terms and conditions to go with this debt that substantiate that they are allowed to collect the interest and fees they are attempting to charge, which is a violation of The Fair Debt Collections Practices Act. I have asked them to produce it and they have failed to do so and continue to attempt to collect on this debt. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. This is unfair and I want this harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CAVALRY INVESTMENTS, 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:
My son who no longer lives in Florida stole my identity and used it to make several purchases in my name back in XXXX and XXXX when I was still working as a XXXX  XXXX at a XXXX XXXX. I had recently lost my wife of 30 years who passed away very unexpectedly and I myself the same year almost died from a XXXX XXXX and had XXXX XXXX XXXX. I went back to work 2 months later and began working 60-70 hours a week. I paid no attention to my son who had gotten his hands on my bank account info and all my personal info, he proceeded to buy all kinds of things without my knowledge, he apparently was making payments on time and the only way I found out was when he left Florida and moved to Michigan all of a sudden. Then I started getting bills from what he had purchased under my name.I never got the mail when he was in Florida since he was smart enough to get it before I got home from work which was 10 or 11 oclock at night.I cleared up all of these accounts by returning merchandise he bought for his apartment and left in Florida, and also by writing letters to the other merchants.This merchant - cavalry portfolio services, bought an account from XXXX XXXX  .Apparantly my son bought some furniture on credit and paid about {$1000.00} of a balance of {$1500.00}, when I became aware of the account they had already sold it to cavalry at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ny XXXX, phone number XXXX.I spoke with XXXX who removed the collection from my credit bureau, however Cavalry portfolio services will not . I have disputed them in the credit bureaus, and contacted them twice, they will not delete the collection from my bureau unless I pay them {$960.00}, even though the original balance remaining was only XXXX {$600.00} they will not help me. I offered up to {$600.00} to clear it, even though I should not have to, they say it is my account because my name is on it, they don't care about identity theft, they are not interested in what's right only the money. I can not afford anymore, I have been retired since XXXX with XXXX  XXXX, I have perfect credit with a XXXX score but this account is keeping me looking like a bum with a collection account. It is very disturbing th work hard my entire life, get to XXXX years old and have this happen. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: WI
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:
Disputed several times for verification of late payments from XXXX XXXX have not sent any proof to my disputes.

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 2019-12-27
Company: Experian Information Solutions 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:
As of XX/XX/XXXX, All three major credit bureaus ( XXXX, Experian, and XXXX  XXXX are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. 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 non-monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 15 U.S.C 1681
section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions My account with XXXX XXXX is paid in full, falls under the status of Charge 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 2022-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a notification from my credit monitoring service that this debt was placed on my credit report. Upon further investigation with them on the phone, I was advised that they were from XXXX. This issue has been a continued dispute with them spanning both XXXX and New York State Attorney General. XXXX engaged in deceiving practices and ripped us off concerning this account. XXXX refuses to discuss the issue with me concerning this and their representatives have done nothing but yelling. 

The collection agency has refused to engage me instead has resorted to just placing this on my credit file. This matter is in dispute with several consumer protection and government agencies. This company has never once given me the chance to inform them and dispute this debt and they have never reached out to me. They have violated the Fair Debt Collection Practices Act. 

In addition the company claims they were paid for the debt when I paid the creditor directly once they agreed to take care of the situation. As you can see they refuse to report a status on my credit report and instead state " NO STATUS '' and they claim it is for someone else in another state. 

I have enclosed 2 items, one is the printout from XXXX showing it on my credit report and the other is a letter they emailed to me about the payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I was charged a {$110.00} fee for transferring a payment on XX/XX/2022 mistakenly as a transaction to my landlord as rent for the month. I had call PayPal to reverse or cancel the payment but they said they could not but instead asked me to call my landlord to return my payment but he would still be charged {$110.00} as fees. Since I didnt receive anything and this wasnt a transaction for good received I dont see how either I or my landlord should pay this fee. There was no where within the transaction journey that states that there was going to be a fee assessed when I receiving payment, if there was I would never have randomly clicked on transaction. Fees should be clearly stated, PayPal is knowingly being deceptive when theyre not providing an option to understand how fees are collected. This is a clear UDAAP violation. Id like the fee reversed. Ive attached the transaction ID below as reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus once more to remove the remaining account and information that resulted due to identity theft. I sent another dispute letter on XX/XX/XXXX, as my 2nd attempt to inform the Credit Reporting Agencies that I have been a victim of identity theft and I dispute certain items in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please block the reporting of any information in my credit file that resulted from the identity theft : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$250.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605, the Credit Reporting Agencies are expected to remove the disputed items from my Credit File within the time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
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:
I filled a complaint with the XXXX  after I mailed a certified letter to Credit Acceptance regarding Deleting a old account for a car my brother use to own, and received information about the Repossession that shows that the payments remained in default and it should of been deleted off my credit report as of XX/XX/XXXX. On the letter I received from Credit Acceptance it showed that they added a repossession cost dated XX/XX/XXXX for {$390.00}. The account was listed current on XX/XX/XXXX, and starting XX/XX/XXXX it was a balance of XXXX and remained in default. When the car was repossessed in XXXX it was a balance of XXXX before the added repossession fee. So going off the Fair Credit Act it was suppose to be deleted 7 years from the default date which would of been XX/XX/XXXX, and they're still reporting negative remarks on my credit report. I just want this to be handled and deleted like it suppose to be.

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 monetary relief
Consumer complaint received 2019-12-27
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:
As of XX/XX/XXXX, All three major credit bureaus ( Equifax, XXXX, and XXXX   ) are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I used US BANK XXXX application to send {$1500.00} to recipient XXXX XXXX who has a XXXX XXXXXXXX XXXX account. This is a deposit that I needed to provide to move into an apartment. US Bank marked on my end that amount was delivered and XXXX went into her bank account to retrieve it through XXXX. At that point the payment on her end was marked " Failed '' with no option to retry or retrieve the amount. She provided me a screenshot I've attached. 

I called my bank US BANK to complain that while they extracted it from my account and marked the transaction complete, delivered, the recipient did not receive it. I was told US BANK could not retrieve the transaction and to have recipient call US Bank. We called them together on XX/XX/XXXXand was told that there was a XXXX connection error and that the funds were never received by XXXX XXXX XXXX and that I should receive the amount back between 3-5 business days. It's been over 8 days and I have not received the funds into my account. I called US Bank to dispute this issue and they had no idea how to resolve and kept stating that funds were delivered while I mentioned no, the payment had failed and they should be able to connect with XXXX to see what occurred. Also, I tried calling XXXX, but they don't provide an option to help if you go through a bank because they have access to that information and they don't. US BANK alleged they opened a dispute but I have received no inquiry since then and it's been over 7 days. In the meantime, I had to cut another check from a different account to pay for the deposit. This is causing me hardship because I am out {$1500.00} with no help from XXXX XXXX XXXX ( because I have no account ), or Us bank. It is not right that both banks do not have the controls in place to reconcile when amounts are received in error. 

Additionally, US BANk written complaint channel via email is down. You can't actually follow up on your dispute without calling and as I mentioned, their agents have not been helpful with this matter. 

Attached screenshots -- proof of XXXX payment -- proof payment failure from XXXX XXXX XXXX and me having to pay a check from a different account to pay for deposit. I request immediate urgency to this matter.

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