BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On the morning of XXXX I was searching online for a pair of gloves for my XXXX year old daughter, to complete an over looked x-mas gift. I came across a pair on XXXX for {$19.00} and purchased them, Order #, I do recall entering my information for shipping, but I never applied for any credit for a {$20.00} item from XXXX that I would rarely ever buy an item from! A little while later I received an Alert from XXXX XXXX and Trans Union, checking both to verify there is a hard inquiry from XXXX on my credit report for credit that I never authorized.. Later that evening on the XXXX, After reading literature on XXXX XXXX about online dispute, I went to Trans Union to do an online dispute # XXXX on XXXX I then contacted Trans Union by phone as I was unsure of my online dispute process was complete, I was then told I could not file this dispute with them or online, and that I would have to contact XXXX to get an Inquiry Delete letter from them, which I ca n't understand why offer a dispute process online when your not going to dispute it, I also have them the dispute number and was told that meant nothing, was only told that was mainly dealing with the other simple correction that I had noticed on my account, like phone numbers and address, So I contacted XXXX, was told I do not have a credit card with them, so do n't worry about it, but they are still failing to realize, that I have a hard inquiry that I never authorized, so after raising a little more ruckus, I was switched to another person named XXXX # XXXX , she said that she would provide this this letter that I requested, Inquiry Delete letter to the credit bureaus, and I copy to myself in 7 to 10 days..

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 2019-09-21
Company: National Credit Adjusters, LLC
State: GA
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Diversified Consultants, Inc.
State: GA
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Please remove this information from credit report. Please block any further attempt of these accounts being reported in the further or sold an being reported from another collection agency. Please remove this information within the time frame stated by law. Thanks in advance for you help and understanding. Please send me a copy of my report to the address on file. I will attached documents to support my claims.

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 2019-08-06
Company: Resurgent Capital Services L.P.
State: CA
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 recently found out that the collection agency LVNV FUNDING LLC reported to my credit report without notifying me that I even had a debt and or that they were handling this alleged debt. 
When I found out this information I sent LVNV FUNDING, LLC a letter to the address listed on my credit report with the intentions of exercising my right to dispute/validate this debt. 
When I sent the letter to the exact address listed on the credit report directly from XXXX and XXXX the certified mail was ( RETURN TO SENDER UNABLE TO FORWARD ) They are inaccurately and incompletely furnishing information regarding the debt and in regards to me to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which they are responsible. 
They are violating my rights and causing me severe damage. We are in the process of getting a home loan and this is going to ruin it. 
I have the right to seek remedy for the damages from the courts, but at this point I just want LVNV FUNDING LLC to fix their mistake in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CITIBANK, N.A.
State: AZ
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: Problem with personal statement of dispute

Complaint:
I received a product I did not order, it was a phone system. I contacted the company, they refused to budge, so I disputed it with the credit card company Citi bank and they would not budge. So I cancelled the credit card company, cancelled the bank account and filed a dispute with the credit card companies that determine credit rating. Everyone has said I need to pay. Why should I have to pay for something I did not order or want. My credit card rating went from XXXX down to XXXX. It really does not affect me as I have all the credit I need and do not carry anything over as I pay everything off each month. However if I am treated this way, how many others are also being treated as I have been, being ignored on the facts presented.

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 2019-09-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX a check an unauthorized user got into my account and deposited a check while I was in the hospital.I immediately informed the bank and the customer service rep stated someone tried to call and access my account by phone and was directed to gong to the branch because they did not have the proper identification to identify me.The credit union never took the time out to protect the customer i put in my complaint ask them go run the tape when the deposit was made heard to conflicting stories one was the check was deposited and funds were not available. Now im.hearing check was deposited funds were drawn out T the same time of deposit I sent in document showing I was in the hospital then I was sent a decision letter stating I owe XXXX dollars but then said on phone XXXX they never looked at the claim just focus on how they were going to get the money back when they allowed an unauthorized user to go into my about and want me to pay for it and then I discovered they closed my savings with no notice no phone call I would like justice with my account people koin this credit union for the o and honor of love ones who fought for our country none of this is taken in consideration they restrict your account on things that they allowed to happen when they ate suppose yo be protecting the customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Sometime in XX/XX/XXXX I call Helvey and Associates for my XXXX XXXX  account that I paid in full. I was told that it would be deleted and its still on my report even though it says that it's closed that was not what I were expecting I want them to do what I was promise I never receive my deletion letter as well, please make them keep their word I was also told by the lady can not remember her name that some kind of law pass like 2 or 3yrs ago that any bill that is paid in full will automatically be deleted because of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NV
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:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, and holder. 
This is my 4th complaint to Experian for their violations. I have enclosed the following documents ( Identification Card Proof of Identity, Experian Report ) ( See attachments ) Under15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates You are in direct violation of 15 U.S.Code 1666b, 15 U.S. Code 1637 for the following account XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-11-02
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Shortly after graduation from law school, I began working for the XXXXXXXX XXXX XXXX as an XXXX XXXX XXXX. At that time, I decided to accept the terms of the Public Interest Loan Forgiveness Program. I contacted FedLoan Servicing in early XXXX and was informed that several of my student loans were Federal Family Lending Program loans, not Direct Loans, so they would need to be consolidated. I asked XXXX to identify the loans which needed to be consolidated and they did so. I consolidated all those loans they identified. They are the consolidation loans in XXXX of XXXX. I also applied for PSLF certification. I have applied for PSLF certification at least three times. XXXX never indicated that these loans were not eligible as a resolut of my certification applications until XXXX. 

In XXXX when I applied for PSLF certification with my new employer, the Florida Legislature, XXXX informed me for the first time that three of my outstanding federal loans were not PSLF eligible. These loans were identified by XXXX as eligible for PSLF previously and that it why they were not consolidated. XXXX refuses to acknowledge that they are PSLF eligible or credit the on time payments made so far on these loans. This is despite the fact that these loans are owned by the U.S Department of Education and Guaranteed by the Federal government. 

I contacted XXXX on this issue in XXXX of XXXX. They requested time to work on this issue. Every time I call or write XXXX sends me to a new individual who promises to look into the issue and contact me, but they never do. I have called, I have written, and done everything in my power to try and resolve this for over a year. At one point, the individual " assigned '' to resolve my issue was allegedly terminated and his entire unit disbanded. 

XXXX 's only solution has been to consolidate these three loans anew, even though I was told they are PSLF eligible and they should be PSLF eligible. This would start my 10 year clock on PSLF over. Because I would still be a public servant on income based repayment it would effectively extend my PSLF term to 15 years instead of 10 because of mistakes made by their employees. This is not fair, and it is not right. I should not have to file a law suit to make the government and their service providers live up to their side of the bargain. I simply want credit for my on time payments. Extending my term to 15 years will continue to delay significant life events for me. It will put off home-ownership, purchase of a vehicle, and could even impact decisions such as marriage or having children. I just want XXXX to do the right thing. 

I have attached documentation. Please review this as well for additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied and was granted a Delta Gold Skymiles credit card in XXXX XXXX. It was my understanding if I spent {$3000.00} in the first XXXX months I would be awared XXXX Delta SKy Miles, I proceeded to spend the money. made sacrafices to pay on this card ( I could have been using another reward card ) I checked my balances and paid my bill on time .... but when I called to today because I had not seen my XXXX miles deposited- they said I did not qualify because I had another card in XXXX that was cancelled. 
they said it was in the terms of agreement ... .. who reads them?? that was NEVER mentioned on the flight during the announcements, not one flight attendant mentioned you could not have had another Delta card in the past years ... .. Nothing was mentioned about that term ... .which is pretty significant -- -- they just encouraged you to apply for the card and to the miles ... .. I know it works well, because my daughter also requested a card. I am just very disappointed because they could have automatically put me into a platinum card, so I could have had the same perks ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: EQUIFAX, 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:
On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-10
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-11-02
Company: WELLS FARGO & COMPANY
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:
On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from 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 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from 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 2017-11-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX  XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ACCOUNT RESOLUTION SERVICES does not have any documentation, they need to retract this from my credit file 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 2021-09-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card from Comenity Bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for which I never applied. I contacted Comenity and XXXX XXXX directly on XX/XX/XXXX and reported as fraud and they began an investigation as the account was opened on line and already had a balance of {$300.00}. I also pulled a credit report and it is listed as a new account as well. I placed a freeze on my credit with all three credit bureaus. This new account has resulted in a decrease in my XXXX score. I normally wouldn't be concerned, however, I am in the process of applying for a mortgage. I need this to be corrected asap and for this to be corrected, recorded as fraud and removed at all three credit bureaus. Thank you for your help in resolving this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted Payments on a Monthly Basis of {$430.00} US Bank Is Claiming I never paid when I did. I than call The Company and they take my call and than put me on a long hold of XXXX to XXXX min why they claim to check records

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 2021-10-23
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
I have multiple inaccuracies with The Ally Financial Account on my profile. 

The reporting of late payments after a repossession occurs is an error and is NOT FACTUAL. The Account that you are reporting is identified as a repossession yet, You have continued to report late payments with XXXX in XXXX of XXXX! Since the vehicle is no longer in my possession, It would be impossible for me to default on the payments after the fact! XXXX shows charged off while XXXX shows 120 days late in XX/XX/XXXX, then " OK '' In XX/XX/XXXX, Then " Charged off '' from XX/XX/XXXXXXXX  to XX/XX/XXXX, Then " OK '' From XX/XX/XXXXXXXX   til XX/XX/XXXX. 

XXXX XXXX XXXX are also showing the following inaccuracies : Last Reported : XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  Comments : XXXX-Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. XXXXCharged off account Auto Date Last Active : XXXX XXXX XXXX Date of Last XXXX : XXXXXXXX  XXXXXXXX  The account that Ally Financial is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

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