BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated from the University XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. My student loans ( all federal loans ) came due on XX/XX/XXXX. I was initially with XXXX XXXX XXXX. I was then transferred ( not by my request ) to XXXX loans from XX/XX/XXXX until XX/XX/XXXX when I was then transferred again to My Fed Loans due to being under the Public Service Forgiveness program. For two years now I have been in contact with My Fed Loans about receiving credit for all payments made XX/XX/XXXX-XX/XX/XXXX. I call every 3-4 months and I am still told that this payment information has not come over. I attempted to call XXXX myself but they are no longer in business. Therefore, I have no proof of 10 months worth of payments that would go towards my 120 qualifying payments. I desperately need proof of these payments in order to get my forgiveness in the correct time-frame rather than a year later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received an email from my XXXX  account notifying me that my phone was deleted from my account. When I called I come to find out that both my phone and email has been flagged by zelle for " fraud ''. I never received any notification from zelle and I never have had a problem with zelle until now. I can't add another email and I use the service often since I send money often to friends and family to pay bills and other necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Waypoint Resource Group, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
waypointresgrp they keep calling but will not give me any information. they want my ss number and I will not give it to them. they want my information but will not tell me what this is all about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an account that is reporting on all of my credit reports as a collection/charge off for {$0.00} even though the account was paid in full. The amount of {$290.00} was paid on XX/XX/XXXX to Ford Credit. I was told when I called Customer Service on XX/XX/XXXX that it is in relation to a past lease of a XXXX XXXX XXXX and that as long as the account is reporting a {$0.00} balance that it is reporting correctly -- that is incorrect. The account is being reported to all of the credit bureaus as a delinquent/derogatory account. Ford Credit had already been paid and the debt had already been written off. If the balance was paid in full in XXXX XXXX  XXXX, why is there still a {$0.00} balance charge off reporting on all of my credit reports? The account should not still be appearing on my credit reports at all. The account was paid in full and the account should have been deleted/removed from all credit reports where it is appearing. However, it has not been removed and it is currently still being reported on all of my credit reports as a collection/charge off. As a result of this inaccurate reporting of a derogatory collection/charge off account that has already been paid in full, it is causing me financial hardship. I am requesting that all evidence of this account be completely deleted/removed from all of my credit reports as it is negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I called XXXX XXXX on XX/XX/2021 regarding a Bankruptcy file that was submitted from Lexis Nexis to XXXX, XXXX, XXXX. I have not received any correspondent regarding the Method of Verification regarding Bankruptcy that was reported to the agencies. I was given Consumer Number # XXXX, Case Number # XXXX was also informed by the United States Bankruptcy XXXX XXXX XXXX do not report this information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Our company opened an account at Bank of America Merrill Lynch and we were using wire transfer to make payment. When making a wire transfer, a token is required for security purposes. In XX/XX/2019 our token was out of service.Then we contacted the bank to issue us a new one on XX/XX/XXXX. Per the banks 's request, we submitted a letter to explain the fact and asked for a replacement of the token. However, we have never received the new device. We have sent many emails to discuss but never got a reply. We then call them to see what happened. Everytime we call Bank of America, the customer service gives us a case number and promise the new token is on its way. But we have never accually received. It's been like 2 months and our regular payment and receiving are significantly delayed. 

We don't understand how could they so arrogant to the customer. That's why we are sending our complaint.

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 2023-06-09
Company: Klarna AB
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
A financed order was placed online with retailer ( XXXX  ) on XX/XX/2023 on XXXX XXXX I contacted the retailer to advise non receipt of my package as the package was shipped via XXXX then transferred to the local post office for delivery. The delivery advised delivered to locker. This is an apartment complex and no package was confirmed delivered to a locker ( no locker number/location ) or anything related to the delivery location. I was advised to call back to start a claim with the retailer XXXX which I have numerous times without success. I contacted the financial company Klarna to advise of the order issue on XX/XX/XXXX it was escalated XX/XX/XXXX ( estimated ) and on XX/XX/XXXX received an email to contact XXXX which I did and have been without any success. As Klarna is still reflecting being owed for an order I have yet to receive. Im unable to file a claim with XXXX as they did not deliver the package and the retailer did not insure the package with the USPS so I can not file a claim with them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I Started an original application for VA streamline in XX/XX/2019 that one was situated with application due to misunderstanding. I submitted another application XXXX did not have most pleasant experience first processor XXXX XXXX you could not never get a hold of because voicemail was to full, emails never returned back, and he told me up front Navy FEDERAL was backlog that they were going take up whole 60 days.The loan should of straight forward with minimum documents needed. 
After reaching out to supervisor multiple times because it was impossible to get a hold Mr.XXXX  my loan application finally reassigned so I missed my 60 day lock rate due not having communication. I am on the verge not closing in timely manner which is causing me stress because I could of stayed with current lender do refinance way quicker because they my file ready to close but I turned it down because navy federal said I was closing on XXXX XXXX.I did not pay my current month because I was promised to close on that date. 
This journey has pure nightmare for someone that has a permanent mental condition.Even I close this month I am worried about potentially being 30 day late for XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This another " just showed up '' collections. I never received any bill or notice and have no idea where it stems from. Attempts to call them only end with pressure to pay and can't get them to tell me the original debtor. See below screen-shot of the collections information. Thank you. 

Derogatory Account Online Collections XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX A lender or service provider reported that this account was flagged with a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I took out a title loan. I was paying every months, until I received fraud on my account. I was told to check for any data breaches. The data breach came from the company I received the title loan from. I sustained financial damage and losses due to the breach which cause me to be hind on my account by one month. The next month the same company who had my data breached, repossessed my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CA
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 have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted a letter to XXXX and Transunion requesting a letter of validation for an account ( XXXX XXXX ) ..No validation was provided and they failed to remove this report from my credit report. They allowed the company to add a XXXX to the account dropping my score over 40 points, which They have done this on more than one occasion, causing my credit score to go up and down with aprox 40+ points, by allowing this company to add a {$1.00} or take away a XXXX amount, yet this account has never been validated and when asked to remove the account, due to a lack of validation. There is no response or some remark added to my acct, with no validation.that causes my credit score to drop. I have attended to request a debt validation with this company ... .with no response., so I don't believe they have recieved any response from them, nor have they removed this account after not receiving any requested validation, even though they are legally required too.

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 2023-09-12
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Due to XXXX XXXX case vs the XXXX government, I wasnt expecting much towards myself or my loans, then XXXX XXXX or XXXX XXXX sent me a letter removing my loan/balance due to the lawsuit, it was a private loan. So excited about the news called, Fed.Gov who.was very pleasant and helpful, could not give me an answer, but made me feel good about it. Even though that only XXXX had gone towards the balance and XXXX went to interest, they still made me feel like they understood. 
My issue is with XXXX, where I also have a private loan thru XXXX XXXX, would not even look at it or even care about what my view was, I understand, they are a business, but if XXXX XXXX, can see what happened with the lawsuit, why couldn't WellsFargo, look into it and try make an effort. 
Simple request was denied.

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: KY
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 appreciate you making the effort to update some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: SC
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 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: IN
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 have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. Experian dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )

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 2023-06-09
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
Comenity Capital Bank has very serious computer problems which have resulted in Comenity believing that consumer credit files are frozen, when in fact they are not. They obtained a copy of my credit report on XX/XX/2023 for a single credit application producing a hard inquiry on my XXXX credit file. Comentiy sent a letter indicating that my credit files were frozen. I called in and explained the situation and and they pulled my credit a second time on XX/XX/2023 producing a second inquiry and opening my account. I have requested in writing twice that they remove one of the two inquires for the single application of credit, and they have refused. I am being harmed by my credit report showing more inquiries than should be required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion refuses to remove a Fraud Alert from my credit account..Ive called multiple times and keep getting told to verify information. Once the the information is given they refuse to remove the fraud alert ... This is completely unacceptable and is IDENTITY THEFT on the part of Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attached my id theft report to prove this account is not mine. Fighting this fraudulent account has been very inconvenient for me. Please remove this account as I have attached proof of it not being mine below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

Company response to consumer: Closed with explanation