BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The company Navient is all out of sorts with my loan. They ask me for payments each month that is larger than my monthly income. I have a high interest rate regardless if I enroll in my income based plan or rate reduction plan. Every time I call Navient there is no consistency with my account information and this has been going on since XX/XX/2015 after I graduated. It is extremely frustrating and it seems that they don't care and at this rate I will be paying this loan for the rest of my life. My principle amount does not decrease even though I pay on time every month almost 500 .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2021-09-20
Company: GreenSky, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX we signed a contract with XXXX  XXXX  's ( aka Great Day Improvements LLC ) salesperson XXXX XXXX to manufacture and install a screened in patio with " work to start approximately XXXX weeks from the date of the contract ''. XXXX  XXXX  finances their work through Greensky, so we took out a loan with Greensky on XX/XX/XXXX with the salesperson directing our application. We are now 21 weeks out from the contract date and no work has been started. We can not even get a firm start date of when to expect work to commence. So far the dates we have been provided are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. We have been charged {$4100.00} as a down payment that we are currently paying on. Whenever we call XXXX  XXXX  to get a status update, the only information we are provided is that the material is not in and they don't know when they will receive it. When we ask for call backs with further information, we never receive responses and have to follow up ourselves. Noone can provide a definite date when we can expect work to commence or even if/when they will get in our material. Meantime, it is obvious from online reviews that customers who put in their orders months after us have already had their patios installed. We had to get an approval from our HOA to get this patio installed and that approval expires XX/XX/XXXX. Last week I reached out to Greensky to either get the work complete by XX/XX/XXXX or cancel my loan and get a full refund since the company has not kept up their end of the contract. Greensky says they can cancel later installments, but can not guarantee a full refund of the deposit amount unless the vendor agrees. I'm not sure why a vendor gets to keep half of the total amount of the work when they have done nothing and are now over a month out from what the original contract said would be the completion date. Greensky should be protecting the consumer here when the vendor is not doing what they agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-06-30
Company: TDS Financial LLC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a call earlier this month but I am not sure of the day. But the rep was the same one that called today. I do have the voicemail that was left for me today. The very first call they said I had student loans that were not covered by federal. Which is false because my student loans are on my credit report and I had never applied for any other type of loan for school. In fact I just applied for loan forgiveness and my student loans were consolidated. This person stated my balance was {$1900.00} but I needed to pay {$900.00} right then and there. I never received any type of written communication from this company prior to. And still have not received anything. Today the same person named XXXX XXXX called me and stated they will seize my assets and place a lien on any property that I have if I do not contact them within 72 hours. The company is R & R solutions with phone number XXXX. My voicemail picked up a different name and I have readable voicemail so I can read what was left instead of just hearing it on my XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
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. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

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 2022-03-23
Company: MoneyLion Inc.
State: GA
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:
Ive contacted money lions fraud department via customer service several times over the years the latest was XX/XX/2022 and they keep verifying the account as mines and I was incarcerated during the opening of the account from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  Account # 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 an account without my written instructions

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 2020-03-13
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
BMW Financial would not accept a wire transfer. I mailed in a check ( personal ) which was funded, cleared, and confirmed on their end. They would not release my title for 10 days despite confirmation that my account was paid in full and closed. Their senior loan specialist, XXXX XXXX, stated that was their policy. They are holding an asset of mine, and likely of others, after evidence of funds transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions 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:
Ive reviewed my credit report and happened to come across some information that must be deleted

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 2020-03-13
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:
Ive reviewed my credit report and happened to come across some information that must be deleted

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 2022-02-14
Company: Affirm Holdings, Inc
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased a litter robot through affirm financing in early 2021 the original order was stolen in transit or porch pirated I worked directly with litter robot to get the device blacklisted and a reshipment was ordered. The second one arrived damaged at which point I paid to ship the second unit back to litter robot and the expectation was set that the affirm financing would be refunded and I should get a refund of my original installment in 60 days from affirm 60 days came and went affirm called attempting to collect payments I informed them at that time that the merchandise had been returned outsourced fellow said a ticket was being opened and everything would be fine. They called a second time attempting to collect repeat aforementioned conversations this time I watched it closer and logged into their help center and sent a message.. the response I was given is that since 120 days had elapsed since I had returned the item and affirm didnt cancel the loan they still expected me to pay the installments.. i confirmed in writing they were asking me to pay for something I returned and no longer have. At this point I feel like their practices may be in breach of some kind of consumer protection law.. like surely its not legal to charge people for things they do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX1 ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX BalanceOwed : {$7900.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX Balance Owed : {$330.00} ; XXXX  XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-11
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
With all due respect Under the Fair Debt Collections Practices Act ( FDCPA ), public laws 95-109 and 99-361, I formally notified Hunter Warfield to cease all communication with me regarding th debt for this account and any other debts that they have purported that I owe. I mailed Hunter Warfield a cease letter asking to not call me and on XX/XX/2023 at XXXX as I was entering my place of work. The agent was for one rude demanding money after I have clearly stated that I mailed a cease letter. Oblivious to what I was saying to her she tried to keep me on the line asking for money. As a consumer I have and know my rights and harassing me this time of morning has caused me great XXXX prior to work not to mention being late and nearly loosing my job. This is unacceptable for a company to go against policy and procedures. I clearly stated to cease all contact as they also should have my letter by mail. If I loose my job because of this I will contact the FTC and XXXX  and file a complaint against this company for harassment. This is against the law to do this to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-07-21
Company: ALLY FINANCIAL INC.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made my payment over the phone and on time however the person I was speaking to input the numbers incorrectly for my account snd it caused the payment to not go through. They never called me or anything, but h realized within my 10 day grace period that it didnt go through and made the payment once again.

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 2020-03-13
Company: Credit Management Control, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated missed calls from this phone number. I was able to call them back but they wouldn't tell me anything yet only give me a name that is similar to mine. They will not tell me what or who the debt is from to verify they are a real company or not. I specified that they need to send me something in the mail because of fraud these days. I am not willing to provide any personal information to someone I do not know what it is in regards to simply for them to tell me it's the correct info and save it to use it. I specified that it is my right by federal law to request that they send me something in the mail because I have not received anything in the mail that I owe I haven't paid and check my credit daily and have no debts in collections. The supervisor refused to cooperate in communicating whether or not they would send communication out to whatever address they have on file and refused to give me any information to prove this was legitimate. I looked up the company which they said was credit management control and the supervisors name was XXXX. I spoke with him twice as I specified that if I do not receive proper assistance according to the Fair Debt Collection Practices Act and that, if necessary I would file a complaint of them not being compliant in providing me with proper information for my safety. I was told to do whatever I felt I needed to do so, here I am. My credit report does not reflect any collections nor do I allow things to get that far as I am employed and so is my husband. I told them this doesn't sound right and they refused assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TMX Finance LLC
State: MO
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 Monday XX/XX/2023 via us mail I received a " Notice of Data Breach '' from TMX Finance they allowed my personal information to be breached and now will be a part of a class action lawsuit as they deserve! However in their letter TMX Finance offers me one year of XXXX " Identity Works '' free of charge paid for by them but when I attempted to enroll with XXXX " Identity Works " they said they can not verify me? And refuse thus far to enroll and take advantage of this free identity theft protection paid for by TMX Finance for their failure to protect my personal identifiable information TMX Finance should be ashamed and XXXX should immediately permit me access to said protection.

Company response to consumer: Closed with explanation