BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- REAL ESTATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. XXXX XXXXXXXX ( XXXX ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-03-05
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: UT
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had multiple issues with Universal Acceptance Corporation ( UAC ) They call and text me the day the loan comes due, calling multiple times a day even though I have told them I can not talk on the phone while I 'm at work. They refuse to talk to me via email even though that is really the only way I can communicate during week days, which I 've told them multiple times. They have emailed me just to tell me they ca n't email me however. 
I told them I switched jobs and needed my due dates changed to match my new pay days. They refused to do so until I sent them a copy of two pay stubs from my new job. The issue with this is that I wo n't get my pay stubs until after the pay check is received. During this time, I will be accruing interest. 
Another time I told them I had to spend {$500.00} to get the car fixed so I would be late on the payment. They required me to send them a receipt of the work done. Not to reimburse me, but to prove I was n't lying. They would not extend help to me otherwise. 
Another time I was taken off of a payment plan that I had set up with them because I under paid by XXXX cents. I was told a flat dollar amount which I paid. The neglected to tell me of the XXXX cents. I feel as though they have been extremely abusive in the way they collect debt and that I 'm being pushed in a corner so I owe them more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. XXXX XXXXXXXX ( XXXX ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-17
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I have submitted a dispute letter based on removal of inaccuracy and invalidated with all of my student loans on XX/XX/2022. I have not received anything back from the Experian and XXXX regarding the investigation. I have demand for them to remove this from my credit report based on XXXX XXXX CODE XXXX ( XXXX ) Removal of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Code XXXX ( XXXX  ) Compliance procedures maximum possible accuracy.

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 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX XXXX XXXX mortgage since XXXX 2017

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 2017-10-15
Company: Navient Solutions, LLC.
State: PA
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 never finished the program they had me audit the Program to get back into the class then told me there was a waiting list. I never had counseling. They gave me the loans I have not been able to pay them they have been on deferment over and over because they make my payment higher than half my salary. My loan is atleast 10 years old and constantly accruing interest. I do t have specific dates right now. To be honest I email Navient every few months no reply or help yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Paypal Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection through Paypal and it was on my credit. I paid the balance in full of the {$390.00} that was owed. I have asked for proof of payment and they show on their end that I paid but will not provide me a receipt stating that I did because it has bounced to different collection agencies. They are now telling me that I need to pay again then dispute after I pay to get my money back. This does not seem right I paid this back in XXXX of 2020. 
This is hindering me with future moves that I am trying to do with my credit. I keep getting bounced around to different agencies and nobody can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have over {$200000.00} in existing student loan debt, both federal and private. I have been working XXXX jobs, 7 days a week, to try and get by and repay my loans as best I can. XXXX years post-graduation, I have NEVER missed a payment despite my monthly payments being over {$2000.00} combined. 

I contacted Discover Student Loan, who services about {$85000.00} of my private student loan debt, because they advertise on their website that they have Repayment Assistance Programs for struggling borrowers. Several of the programs offer either reduced monthly payments or interest-only payments for a period of time. 

I spoke with a very pleasant lady who understood my issue and wanted to help. She took my information and looked into " what programs I qualified for ''. She advised me, at this time, I do not qualify for any of the repayment assistance programs. I was n't sure exactly what she meant by this so I asked, what exactly would qualify me for the programs. She did not know, but simply that I did n't qualify. 

I asked what, in the future, I would need to do or have done to me in order to qualify for the student loan assistance programs. She said that she did n't know but that I simply am not eligible despite not being delinquent on any payments now or ever. 

I do n't understand what kind of game Discover is playing. If my situation is not the ideal one for the repayment assistance programs, I do n't know what is. I am being CRUSHED by student loan debt and, yet, I am doing everything in my power to not default or miss payments. I am trying to be a responsible borrower and live up to my end of the bargain, but the private student loan companies are making it very difficult. Defaulting on my loans becomes a more and more enticing option every day. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: AVANTE
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt from the original creditor " XXXX XXXX '' appeared on my credit report but was disputed and removed in XXXX. A letter came in the mail less than a month ago and I have sent a debt validation letter to them. Instead of sending me information to verify the debt, they decided to add this debt to my credit report. I have no knowledge of this debt and have had no other communication other than a collection agency on behalf of " XXXX XXXX XXXX '' letter that was received on XX/XX/XXXX. I have been in touch with my insurance carrier XXXX XXXX XXXX XXXX XXXX about a similar bill from another doctor which has been rectified by the carrier due to the doctor 's negligence and fraudulent billing. 

This is all stemming from an emergency XXXX  in XXXX, XXXX. I went into the XXXX  for extreme pain and was found in emergency XXXX to have a XXXX that was gangrenous and necrotic. The attending physician did not properly fix the issue which caused me to fill up with 4 liters of bile and I went into multi-system organ failure. I was in the ICU for 5 days and nearly XXXX  4 times. I had to have a repeat procedure to correct this doctor 's mistake by another doctor and was still in the fight for my life. Instead of billing my insurance, they sent that bill to collections in retaliation because I tried to sue them for medical malpractice. I was told by XXXX different lawyers that I could not sue because I did not actually XXXX  and to just appreciate life. Instead of being able to do that, I have to deal with medical bills because not only can these doctors not perform a simple XXXX correctly, they are incompetent with simple billing procedures. The XXXX  had all the correct information. The doctors chose not to bill properly and I am having to relive a traumatic ordeal over and over just to get this rectified. I am the victim here and I am continually being victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Since I 'm a  Costco Wholesale Club member I did try to get the Costco Anywhere Visa accou nt, which is administered  by Citigroup , Inc but my application has been rejected because I filed for bankruptcy more than 13 years ago and in the process, its was included a previous account I had with Citibank. It looks to me as if they do consider filing for bankruptcy as an illegal act and I would like you to clarify my thoughts on this matter.I did send a letter to them dissenting with the decision they did take and remembering to them that Citigroup , Inc. along with others finances institutions almost sank the whole economy in the USA i n   XXXX   and did n't file for bankruptcy itself because the government by the time granted them the astronomical amount of  XXXX . Ir onically, I do have a Best Buy credit account which is managed by Citigroup and by the way, my credit score is  more than  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 2022-10-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have tried multiple times to fix this issue with XXXX XXXX and Experian concerning the XXXX XXXX account. I have informed them several times how the account is not reporting accurately on my credit report. The EXPERIAN is reporting that the account STATUS IS LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE. 
The XXXX is reporting STATUS : CLOSED / payment after charge off/collection settled- less than full balance. 

It has now been eight months that I have tried to get this item removed from my credit report for reporting incorrectly XXXX XXXX and Experian have failed to do a proper investigation. They continue to let the an accurate reporting continue month by month while continuing to damage my credit.

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 2022-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2020-10-26
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I contacted Ally Financial and inquired about about a {$32.00} late fee they had charged me being XXXX year old XXXX veteran Im on a set income I never have missed a payment I had all my payment receipts so they corrected the mistake and took off the late fee. 

But asking what my balance was I was told by the representative that at 10.35 percent interest fee what my balance was And thats where the next problem Begins because on my contract it says 10.34 percent Not 10.35 interest I told him according to my contract it should be 10.34 percent he gave me the number to the Contract Revision Department So on XXXX XXXX @ XXXX Wednesday I called the Contract Revision Department and they would not correct the problem saying theres nothing they can do so I asked the guy you mean to tell me that although I have a contract that I signed in front of me at the interest rate of 10.34 % which is the rate I accepted this automobile loan for that you guys can raise the interest 1 % and say its on me this is outrageous you people are ripping off me off as a XXXX veteran and a tax payer of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I opened complaint no. XXXX, this was submitted XX/XX/XXXX your organization closed XX/XX/XXXX due to Transunion citing they were still investigating my claim. No final response was provided within 60 days, I am XXXX and XXXX XXXX, I have cause for failing to meet feedback date and I take full responsibility for this but Transunion never resolved my allegations please open new ticket on previously cited complaint no.for evidence to my claims and please don't close my complaint until Transunion resolves my complaints your process is allowing them to not follow thru on my complaints without any accountability. Transunion cited the investigation is progress XX/XX/XXXX, no resolution. They are in violation of The Fair Act Reporting, 15, U.S.C., 1681, all inclusive.

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