BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: NRA Group, 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:
I had two charges from woman within online clothing. One for {$39.00} and the other for {$39.00}. The woman within store is now called full beauty.. When the money was taken out of my XXXX XXXX account I called woman with band and ask them to give me a list of my purchases, these two purchases were taken off of my XXXX credit card on XX/XX/2020. The representative advised that the last purchase that I had made was XX/XX/XXXX and it was for a different dollar amount from the charges that were debited from my account. After speaking with the woman with the other representative Ive been called XXXX XXXX and did a dispute with you they were gracious enough to refund my money. Today, XX/XX/2020 I received a email from XXXX saying that I owe {$79.00}. I called to explain what happened and that I did not making purchases, I asked the collections representative to please tell me where the merchandise went and she just repeated it at all the money and would not give me the address. I am now live with receiving emails from a collection agency that will not give me any information demanding money. If they were indeed my debts I would pay them but they are not mine. My XXXX ID is XXXX agency XXXX XXXX XXXX, XXXX, PA XXXX Phone 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 2020-05-27
Company: Navient Solutions, LLC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Nelnet, Inc.
State: VA
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:
Great Lakes reported to credit agencies that my loans were deferred instead of in active repayment. This was done in their attempt at compliance with the CARES act, but it should not have been reported as in deferment. This caused my credit score to drop 29 points as reported by XXXX. I do not know if my credit will continue dropping or bounce back, but this is not acceptable from a financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian without regret continues to publish false and inaccurate late payments on my report. In spite of my efforts to work with XXXX XXXX auto finance, experian  will not correct the errors on my report damaging my fico  credit score with late payment reporting 's that are NOT accurate. Today, I pulled my report to find that they moved a late to XXXX XXXX previously reported XXXX XXXX with an addition to adding an additional late for XXXX. ( see screen shot attached ). XXXX  XXXX has been gracious in trying to correct the errors that Experian continue to produce on my report. Experian is negligent and willfully producing this false information on my file. See attached letters from the presidents office at XXXX XXXX. The errors are not coming from XXXX XXXX. Experian is the source for the false late payments being reported. The letters from XXXX XXXX prove this. Experian is dedicated to moving late 's from one month and I have to repeatedly write letters and submit complaints about the matter. 

Experian has a long history of providing false and inaccurate information to suppress credit scores to provide suggested sub prime lenders who are paying them to conduct business in a wreckless manner. They are not in line with how the other bureaus conduct business. I have not had any late payments on my history with this account. The surmountable stress these tactics are causing me violates my rights under the fair credit reporting act. I went ahead and paid off this account in XXXX so they no longer have a platform to willfully damage my fico score. Experian should not be allowed to repeatedly violate my rights by not producing accurate account history. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late payments are not accurate. There should not be any 30 day late payments on any month on my report at all for 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 2019-03-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I started to look closely into my credit reporting due to some inaccurate information and came across Toyota Motor Credit. On XX/XX/XXXX they attempted to serve and sue me for the amount of {$3700.00}. This account was a joint account, and they are coming at me even though this debt belonged to the other party XXXX XXXX XXXX XXXX XXXX, who had filed bankruptcy in 2018. According to NJ eCourts records show that on XX/XX/XXXX, USPS had received a signature, but I have not resided in the state of NJ since XXXX. There were fraudulent charges made on this account and I did not have possession of this vehicle, I was simply the co-signer. I should not be responsible for someone else 's failure to make her payments and have her not pay anything due to her bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Allied Collection Services, Inc. (Nevada)
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Happy Saturday everyone!!! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from Navient. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from XX/XX/2005 and has been transferred twice now, I would like it taken off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am writing now in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a significant part in this process. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2018 and I am submitting this to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
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: Personal information incorrect

Complaint:
Since XX/XX/2019 I have written letters to Experian Information Solutions Inc. regarding the fact that they are reporting old information regarding me including old addresses and phone numbers, and several incorrect spelling of my name. 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX Place of Employment : N/A

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 2023-04-04
Company: EQUIFAX, INC.
State: MI
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:
Due to a security breach with Equifax my privacy information was used to place hard inquiries on my credit report. I asked Equifax to provide me with documents that I approved authorization. On XX/XX/2023 I spoke with XXXX of Equifax that refuse to remove hard inquiries on my credit report that I did not authorize. 15 USC code 1681 b states that credit needs to be adequate when reporting. I am asking that cfpb look in the wrong doing of Equifax. If Equifax can not provide me with a handwritten signature please inform them they must remove inadequate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize ANY of these inquiries on my credit report. 
Creditor : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/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 2020-11-10
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 XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 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 XXXXUpon 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 ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DPEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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: Personal information incorrect

Complaint:
I have contacted Transunion for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report XXXX XXXX whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar don but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in 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 2020-11-21
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Happy Saturday! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2019-03-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When I originally signed up for school I was confused in the fact I was getting a grant, paying the school, and signing for a government loan. It was all a very confusing situation where we were constantly interrupted and very unorganized. I was under the assumption I was getting a grant and would pay the school monthly while attending. I was a single mom works now 2 jobs while doing the classes online. This was very exciting to me that I would be able to go to school and earn a degree and start a new career. I worked hard for 2 years finishing assignments staying on the Dean 's list. I could not wait to get my degree and finally start my career in XXXX XXXX and XXXX. I made sure I never missed a monthly payment to the school so there would be no delays of graduating. I was told that upon graduation they would help with job placement. After walking across the stage all of those promises where gone. I was told there were no jobs available where I lived. I would call the school and leave messages and get no response. Then the reality of I had student loans. Now I have a worthless degree and drowning in student loans. I graduated almost 10 years ago and have not even come close to the income promised. I found out after graduating that I didn't even need a degree in XXXX XXXX. I was able to get a XXXX  job and took courses and have been working in a physicians office as a XXXX XXXX. I have asked Navient year after year if I can get the loans consolidated so I can make reasonable monthly payments instead of multiple payments at prices I couldn't even imagine paying with my current income. Navient has told me year after year that it would be best if I just did forbearance and deferments. Not fully knowing what those are they set me up for those. In the meantime the interest keeps going up and up. Making it even more impossible to ever imagine paying them off. The college 's and student loan officers should not be allowed to mislead students. When we are signing up we are so excited with our dreams of a better future and your throwing so much information at them and easily confusing them. It's not right and should be against the law. I'm adding my complaint so hopefully it will help stop them from doing this in the future.

Company response to consumer: Closed with explanation