BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-20
Company: CarMax, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was repossessed back in XXXX. I had to pay {$2100.00} to get it back. I was told that some of the past due would be put at the end of the loan. Its still showing {$1200.00} past due. CarMax didnt keep the promise that was made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Western Union headquarters in XXXX Colorado, refused to refund my money orders after they were stolen from The mail box in XXXX in XXXX XXXX City. Western Union stated that they would pay me for the lost stolen money orders, then then recently ( XXXX ) they said they won't pay me because I submitted the information for the stolen checks to last and the the bank they are affiliated with refused to pay them for the stolen check. Western Union verified that the checks were told sent me all the stolen checks information and stated they would pay. Currently the XXXX Police Department is investigating this case and also contacted Western Union and wondering why Western Union after 2 years refused to pay me my money back. The XXXX Police Department in the XXXX, stated they are going to arrest who ever stole my money orders and will keep in contact with me. Western Union told me to contact the bank where the checks were cashed and ask them to reconsider paying me ( I should not have to do that ). I am XXXX years old and I need the {$2000.00} plus money order money stolen and refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Westlake Services, LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Westlake Financial Services has called me XXXX times from XXXX XXXX XX/XX/XXXX, usually up to 3 times daily. On XX/XX/XXXX, XXXX called XXXX times in XXXX XXXX hours : the first call at XXXX XXXX, the XXXX  at XXXX XXXX., then again at XXXX XXXX, and again at XXXXXXXX XXXX 
XXXX XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m. That is XXXX times in XXXX DAY!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, again another XXXX times a day. 
XX/XX/XXXX : XXXX a.m., XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., a total of XXXX calls. 
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 This brings the total number of calls in the half of XXXX to XXXX calls, which ONLY includes the calls labeled as XXXX XXXX. As there have already been XXXX calls made this month, I expect a harassing amount of calls for the remainder of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from a XXXX  program in XXXX with a private XXXX XXXX XXXX and a federal loan managed by XXXX. I payed off the private loan and co to yes making payments with the federal loan company as able. Sometimes I requested a deferment and was steered towards a forbearance. Im not sure is the exact year but so want to say XXXX - I had XXXX small children and was working. I received a call from a loan company telling me that I needed to consent to new terms and the company was not going to be XXXX anymore. I was told exactly what amount I needed my new monthly payments to be and there was really no room for discussion. I began receiving invoices from Naviant. I payed but my balance continued to climb and I needed relief from time to time and I would call a representative who would advise me to file a forbearance. Over the years my balance has continued to climb even though Ive been making payments. Its overwhelming. Im losing sleep worrying about my financial situation. My husband and I are trying to put our XXXX children through college right now and we are not able to afford certain things for them and ourselves that we thought wed be able to afford by now. I have called naviant several times to complain and see if my loan balance can be lowered or the interest forgiven but have been steered towards forbearance each time. It wasnt until I requested to specifically have an income driven repayment plan that they arranged one for me and that was this year. Ive been paying in some capacity for 21 years. I feel like I shouldve paid the balance off by now but Im not able to reach anyone at Naviant that can give me a record of my payments with XXXX and Naviant. I need my balance to be reduced or forgiven if Ive made all the payments. Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed my credit score went down significantly at the end of XXXX and beginning XXXX. I called JCPenny in XX/XX/XXXX, was informed they could see in the system my payments in XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I asked if they received my payment why their system reported to the credit. Bureau 3 x 30 late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX. They said they would send update to credit bureaus to clear but would take XXXX days. I called back in XXXX and went through the same thing again. I am so frustrated 8 months later still my credit shows 3x30 days late when JC Pennys on 2 occasions have confirmed I was not late. 

I also contacted each credit bureau online multiple times and still not removed from the credit bureaus. 

How do I fix this? As a consumer I feel totally unable to resolve this issue.

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 2023-02-22
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 Equifax responded to my CFPB Complaint concerning investigation of an inaccurate and unverifiable account from XXXX XXXX XXXX Equifax stated that XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. I asked Equifax to provide ( which they didn't ) the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Charges are hidden from my transaction list, until the charge is posted. It is deceptive from whats actually in my account. This has caused me to have number outs over draft fees. This isnt like a tip that you dont seem until the transaction post, because you can still see the price you pay for the food. Its not like a gas charge that shows {$1.00}, then the whole {$50.00} post. There is no transaction then all the sudden, I see my money is gone and transactions that are mine are reflected when they previously were not. The available and current balances reflect the same.

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 monetary relief
Consumer complaint received 2022-04-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
IN 2006 After having a baby. I was told by the federal government I would never qualify for loan forgiveness as a XXXX. I would be placed on an income driven plan that was 3 times my pay at the time. My interest rate was 6.5 %. Then I was contacted to consolidate outside of the government. I have paid my loans for 20 years. Did the government and these other companies work together to mislead me during XXXX Why would I not refinance and save XXXX over 20 years if I was never going to qualify? I had XXXX and Navient. There has to be records of these conversations, emails, and conversations on their website, which I can not get into now that I do not have a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: PA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my report. It has been over 45 days and i have not received a response yet. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days give a reason to immediately delete those items from my credit report and it has been over 45 days so they should be deleted right away. If these accounts are not deleted I will have to file litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands. I have reported the theft of my identity to the Federal Trade Commission

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 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has sent collections letters stating I owe XXXX {$400.00} ( shown as {$400.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. An copy of billing statement is not acceptable verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Resurgent Capital Services L.P.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft I notified the company of the fraudulent activity previously and nothing has been removed from my credit report I made a police report stating that any and all accounts opens before XX/XX/22 is not mine and I have no knowledge of opening

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These credit bureaus continue to ignore my written request for disputes and there are " errors '' with their web applications that keep me from filing online. 
When I call in I get transferred, put on infinite hold, disconnected, or the run-around. 
There is incorrect information repeatedly reported regardless of the proof I send of payment, etc. 
I have been unable to get a mortgage and have an astronomical interest rate on my vehicle due to this and no resolution for YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my XXXX  credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.

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 2023-02-22
Company: Special Financing Company, LLC
State: TX
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 reviewed my credit report and learned there was an unauthorized inquiry made by Special Financing Company LLC. I sent several letters to the address provided on my credit report requesting that the company cease its unauthorized hard inquiries into my credit report and that they contact the credit bureau to have the inquiry removed. I communicated that, to my knowledge, I had not signed any documents authorizing their organization to view my credit history, and therefore the inquiry violated the Fair Credit Reporting Act Section 1681b ( c ) : Transaction Not Initiated by Consumer. I asked them to furnish any document that they believed authorized their organization to make inquiries into my credit report, and I requested that the document and proof that I requested this line of credit be sent to my address. In responding to my inquiry, the company merely stated that my credit was requested by XXXX XXXX XXXX rather than Special Financing Company LLC. Special Financing Company can not remove any credit inquiries because the application does not commence with our office. '' As an initial matter, I didn't authorize any applications. Secondly, XXXX XXXX XXXX isn't listed on my credit report anywhere, and Special Financing Company LLC is listed. Indeed, XXXX XXXX XXXX is a " furnisher '' as described by 16 CFR 660.2 ( c ) because it is an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. I have a copy of the mailed letter ( certified ) and the company 's response. I would like the inquiry removed from my Credit Reports. 

Additionally, after reviewing the XXXX XXXX XXXX - The company has many complaints. One response from the company stated, " Special Financing Company does not report to the credit reporting agencies. '' So if this is the case, then why are you reporting an unauthorized credit inquiry on my report without giving me any proof that I requested this?

If Special Financing Company LLC. fails to resolve this matter, I will consult an attorney to file a suit against them for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: NY
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:
i sent an Affidavit of truth to XXXX, XXXX AND EXPERIAN STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH

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 2022-04-20
Company: EQUIFAX, INC.
State: VA
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 15USC 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX and XXXX account # xxxxxxx which was through XXXX XXXX XXXX XXXX XXXX XXXX for {$240.00} which was adjusted off per XXXX XXXX an employee at XXXX XXXX and XXXX in XXXX Virginia. Since there is no account listed under my name, then by by law you have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX   XXXX XXXX 3 ) XXXX XXXX  {$300.00} 4 ) XXXX  XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EOS CCA called from XXXX. Asking for me to confirm its me I asked who it was and the agent gave me his name and then, he asked me to confirm my address which I responded by asking what was the reason for this call and he said a personal business matter. At which point I felt they were not identifying their selves appropriately and the purpose of their call and I then looked them up online and found out its a debt collection company but by law arent they required to tell me up front its an attempt to collect a debt. I also had not received any written communication about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. 

Recently, I observed that there have been late payments reported on my credit card account for the billing cycles ending in XXXX to XX/XX/2022. After reviewing my records and statements, I believe there might be an error or misunderstanding regarding these late payments. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 

XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be a mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. 

I value my relationship with XXXX XXXX, and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Nelnet, 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:
Nelnet was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I have given Nelnet with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided Nelnet with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with Nelnet confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I PAID THIS ACCOUNT OFF

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