BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: I.C. System, 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:
their is a collection on my report from IC System stating I owe an XXXX XXXX. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer 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
Consumer complaint received 2017-06-18
Company: EQUIFAX, INC.
State: IL
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 have sent letters to all  XXXX  credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in  XXXX  of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all   XXXX   bureaus refuse to remove the unauthorized hard inquires on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX  is charging me an early termination fee plus finance charges for an postpaid wireless account that I never agreed to purchase. My prior employer allowed me to use a company postpaid plan that was serviced by  XXXX .     When I left that employer I took the phone number with me and I switched to a prepaid plan with  XXXX  that I paid in full each month. However,  XXXX  says I owe them an early termination fee for the postpaid plan that I never agreed to purchase.     I hav e sent three le tters to  XXXX  over the  last two  years but they will not return any of my letters. They have sent the matter to their collection agencies who pester me with letters. I want the letters to stop and I want  XXXX  off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Bank account with TD Bank and have been loyal to them for many yrs. Back in XX/XX/2018 I had opened a joint account for my wife and was offered a promotion cash card from TD where it would give XXXX cash back whether it be towards statements or rewards along with an XXXX XXXX XXXX. Promotion only applies if card is used at 500 or more within a 90 day window given the promo period. I had asked the rep during our sitdown if this would apply towards balance transfers as I had transferred a balance of 5000 over and she explained it would. After waiting a few months, I had called into TD customer service and explained i have not received my rewards and the rep on the phone explained there was a wait after the 90 days to receive the XXXX XXXX in the mail. I don't recall the specific detail as far as the time frame on the delivery but the there was a window period referenced during conversation. A few more months go by and still have not recevied any reward as promised and asked one of the tellers in the XXXX branch during a visit and explained it would have to be redeemed online. Being upset already, I went online to tdcardservices and did not see anywhere that I could redeem my reward and called in XX/XX/2018 and spoke to the card rewards dept. I explained the situation to the rep on the phone and she had apologized for the inconvience and explained she would speak to a manager in reference to the rewards promo. After a few moments, the same rep explained that the balance transfer does not apply towards the promotion and I would have to speak to the branch manager to help me in this situation. Being very upset at this point that the representative on the phone was unable to help me and giving me the run around and not offered the promotion as promised, I am very upset at this point and filed a complaint and to the point where I may close my account with TD bank account. I do not want to see someone lose a job over a situation like this but if you are providing false information intentionally and not being upfront honest simply for a commission spiff, then that is a company I would not like to do business with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: CT
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:
This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )

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 2017-06-18
Company: CURO Intermediate Holdings
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a credit report in  XX/XX/XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service   XXXX   XXXX   for Speedy Cash was listed on my report. I have lived in Oklahoma since   XXXX   and have NEVER used a payday loan service. I disputed the false addresses and   XXXX   XXXX   account. I did get the addresses removed, but have tried for several years to have the negative report from   XXXX   XXXX   removed.
<P/>
I have repeatedly disputed this information on my account and have never received any direct notification from   XXXX   XXXX   until  XX/XX/XXXX . This account does not belong to me.   XXXX   XXXX   has closed this account on my report, however  XXXX  has not done so after repeated disputes.
<P/>
I have tried to find an email contact for   XXXX   XXXX   to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from   XXXX   XXXX  .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: GA
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:
Reporting act XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX and XXXX  DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX DATE : XX/XX/XXXX, XXXX XXXX XXXX  DATE : XX/XX/XXXX, XXXXXXXX XXXX DATE : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX, XXXX  DATE : XX/XX/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. ALSO THESE inquires are in itself fraudulent and not done by more nor my 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 2022-09-09
Company: Experian Information Solutions Inc.
State: CT
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:
This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )

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 2022-09-09
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXXXXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: DISCOVER BANK
State: MD
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 upset once I reviewed my XXXX XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due XXXX2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX  XXXX  XXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP OF EDUC XXXX XXXX/XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL 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 2022-09-09
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient has been repeatedly calling my personal cell phone several times a day, and occasionally late at night. In addition to repeatedly calling, on Tuesday XX/XX/2022 they deceptively contacted me through a third party, using a local phone number that was unfamiliar to me and that Navient has never used before ( The number used was XXXX ). When I answered the phone I was told by a woman that someone, on a different line wanted to talk to me about business between us. No name of the person or company or nature of the business was disclosed prior to being transferred to the other line. When I was connected, a person identified themselves and that they were with Navient trying to collect a debt. 

These practices by Navient are abusive and deceptive, but this seems to be par for the course with them. Also in light of recent lawsuits against them, I am beginning to think that my first complaint against them was valid and that they are illegally trying to collect a debt that was discharged in bankruptcy, as they have done with other people as well. Navient was not present for the bankruptcy hearing to object to my debt being XXXX and nothing was mentioned by the court that they would object.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: MI
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:
this company is putting information onto my consumer report without my written consent which is a violation of my consumer rights. I have sent them mail and called them over and over again to try and get this resolved. In the letter i have attached it shows the accounts and inquiries, also giving them instructions on what i am demanding them to do with the accounts. These three companies have a job to do and that to make sure everything is supposed to be reporting fairly and accurately, according to the FCRA. Reporting negative information that I didn't give consent on is not reporting accurately or fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Navient Solutions, LLC.
State: MI
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 complained to you about Navient several ti mes, and their has been no change in their conduct. For the last two years I had to fight with Navient to  get my remaining  XXXX  loans consolidated into  XXXX . I was given  nothing but a runaround and yes had to complain to the Ombudsman Group to even get them to act. When I spoke to them they had no clue about my loans, made me call several other places, I wrote the U.S. De partment of Education themselves and on and on, Finally the Ombudsman Group was able to get it resolved.     During the process I asked for all of my loans to be placed in a income based repayment, I received a letter from them that they needed my income tax information, t he studentloans.gov is  where I applied for it and the transfer tool was not working. I sit here today and I have reieved several notices from them that my loans will be increased and payment will be due soon. No mention as to what the process of my application is.     I have had a  Income based payment plan, I am trying to continue it. No one at Navient kno ws what the  XXXX  they are doing, no one is on the same page and I am simply done with dealing with them having to do their job for them and every year go way beyond what I need to do to get them to do their job. Check your records and look at how many times I have complained to you and how many other have complained also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called Navient due to be being unemployed and unable to make my student loans payments. The company told me it was nothing they can do for me and marked my payments as being late. I had to keep on calling 15 times a day to speak with someone who was willing to help me out. I advised that my payments were not late and that it was being reported in error. No one has gotten back to me about the error and the lack of options for struggling borrowers like me. the only option they gave me was to pay.

Company response to consumer: Closed with explanation