BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XX/XX/XXXX XXXX XXXX apply Pulled my credit report I didnt apply for this

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 2021-04-29
Company: EQUIFAX, 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 have disputed several items with each credit agencies snd the information still remove two accounts on my report should be removed because it was requested by both companies to be removed XXXX and XXXX  REQUESTED TWO FILES BE REMOVED YET XXXX  EQUIFAX AND XXXX  ARE NOT ABIDING THIS IS ONGOING AND MY SCORE IS NOT BEING RAISE CORRECTLY I am at a point to seek counsel because for years I have kept record of the mis information XXXX DELETED ASAP XXXX DELETED ASAP THEY ARE NO BALANCES ON THOSE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Information belongs to someone else

Complaint:
I am writing this letter in order to inform you officially about violation of my rights by reporting inaccurate data in my credit report. 
The listed items are completely inaccurate and incomplete and it is a very serious error in reporting. I am writing this letter regarding unknown accounts below that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. I do not recognize these accounts and they are not mine .... Moreover, all of them are so visible in my report profile that I simply can not move on in my life.

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 2017-08-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When the company was   XXXX   XXXX  , I had taken out a private student loan with them to complete my medical education. I had taken a loan out approximately  XX/XX/XXXX / XX/XX/XXXX  for {$25000.00}. The loan with interest had ballooned to over {$37000.00}. I have been paying on this loan for over ten years. After all this time, I still owe {$22000.00}. I pay {$230.00} a month. My last payment is scheduled for  XX/XX/XXXX . I have called Navient on a few occasions to see what were my options. The only option given to me was to go into forbearance. However to do a forbearance I was told that I must pay what I recall was a  XXXX  fee. This would only be a few months and I was limited on the number of times in which I could do it over the life of the loan. I believe it was twice.
My complaint is that I have always been on time with my payment as a responsible borrower and I never defaulted on the loan. This company is not willing to help me as a consumer. I am seeking if I can restructure my loan to lower payments and to settle half of my loan and pay it back in a shorter period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Navient Solutions, LLC.
State: CA
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 currently have a loan with Navient. They bought my loan from   XXXX   XXXX   and never gave me a payment option to repay the loan other than an interest only loan that I have been paying for several years. I have had this loan for 17 years and still owe more than the original loan amount. They just recently let me know ( after I pressured them for more detailed information ) that I could have been paying a little over {$100.00} per month more and I would have been in a program that was paying down interest. I feel that this company did not review all their loan programs with me, to keep me in their interest only loan to increase profit on my loan.
Please review phone call that I had with representatives as they have stated they are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a duplicate complaint but a question ; what are the reasons Chase denies fraud? Chase merely states " account is valid and reporting correctly ''. But what are the reasons? After 3 years, I have yet to receive explanations why fraud is denied. I filed sheriff 's reports and FTC identity theft reports. After 3 years, the only explanation I received was Chase called a phone number that wasn't mine but the thief 's and then apologized if I provided a different number.?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Paid off two private loan balances in settlement. Still being reported as a past due balance to the credit beaures. I paid this off in XXXX of 2020. When I call, all they tell me is to write a letter To their credit reporting department and that they dont take calls.

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 2018-07-14
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When we bought our home in XX/XX/1975 the lawyer who filed the deed entered my husband 's name with the wrong middle initial. Several years after that we started receiving calls to say a debt collection company was trying to contact a person with my husband 's name but the incorrect middle initial listed on the deed. We repeatedly told them this was not my husband but the calls continued ~every week or two. For several years the calls stopped. Within the past year we have started getting robo calls from a debt collection company. A young sounding woman 's voice says the call is from TransWorld company. She identifies herself as XXXX. She says the call concerns a debt that needs to be resolved. She requests a call back at XXXX. She mentions the case number XXXX. 
On average we get 1-3 calls a week. 
We owe no debts other than loans through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXXXXXXFailure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington Law refuses to answer the phone when I tried to attempt to inform to them verbally that theyre terminated, but Im sure they are already aware of that fact sense I sent them emails and messages in writing confirming that.

Also, the paralegal or the receptionist hung the phone up in my face this morning because of the XXXX  of my skin and I have full proof. The call was being recorded. The Lexington Law associate hung up in my face between XXXX-XXXX  this XXXX. Im making sure I document everything for myself and the credit bureaus. Lexington Law is hands down the worst credit repair company. XXXX  is just plain evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EOS 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: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} EOS CCA XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do 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 and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} These accounts are involved in litigation and do 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 and was told that I needed to complete an 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 2018-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was involved in a pretty bad scam with Capital One, Im a XXXX year old who works full time and I am living on a dream here. 
I was sent XXXX on XX/XX/XXXX from XXXX XXXX all went without fail and I was able to retrieve the money and everything went smoothly. Then on the XXXX  XXXX sent me a sum of XXXX and gave me proof and information which I could show and prove of the transaction being authorized by said person. 
However, Capital One froze all my accounts and wont let me access the money because of some type of UN-authorized transaction but when I spoke to them they could not and still cant tell me any information on why this might be when I have proof of the instructions givin to me and the prior instructions on the XXXX running smooth and according to plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to place a freeze on my credit with Experian. Made numerous attempts on their web site and phone. Placed on hold for long periods of time only to be transferred and then hung up on. Ultimately the freeze did not happen. Their only other option to initiate the freeze is to send a lot of my personal information through the mail which if in the wrong hands will only expose my identity to more risk. The other agencies made it easy to place freezes.

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 2020-10-26
Company: EQUIFAX, INC.
State: IL
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 never received any correspondence from XXXX, Equifax and XXXX  from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase of an item in the amount of {$650.00}. The item purchased was never sent and I contacted the seller with no success. All the contact information was then disconnected. I contacted the vendor to reverse the charges and was denied. I filed a police report as well which the bank said they never took into consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I received a bill from BMW Financial Services, dated XXXX XXXX. On XX/XX/2021 I sent out a letter for Validation of debt along with a Cease and Desist and. A few days later representatives started to contact relatives in my family along with myself. They also threatened to place this item on my credit report if i did not agree to pay this alleged debt. 
A few days after this occurred, I received a bill from a debt collector, XXXX XXXX XXXX. 
This is a clear violation of the law. I proceeded to send a Debt Validation letter to them as well and I'm currently waiting for their response. 
I received an email from BMW Financial Services AFTER I was threatened and disrespected by their representatives, and AFTER receiving a bill from a debt collector when they clearly received my notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I been having problems for years trying to find out about these student loans. every time i get the company, they sell my loans to other companies and i get lost in this system. The last company told me i owe {$38000.00} for these loans, THIS amount IS WRONG!! So now i'm trying to finally buy my 1st home for my family, but this mess keeps showing up on my credit report. I'm XXXX years old single father with XXXX children i want to leave something to my kids ... a house, but i can't fight these big companies, they are too slick.PLEASE HELP ME AND MY KIDS. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXXXXXX at XXXX University and was part of a scam by someone posing as a professor. He paid me with a bad check to cover expenses and salary. I deposited the check and then as instructed, used XXXX to pay for expenses. I became aware from the University that it was a scam and I alerted my bank Wells Fargo that the check was bad and that they needed to stop the XXXX and halt the deposit of the check. I contacted Wells Fargo on XX/XX/XXXX via phone to the fraud department. On XX/XX/XXXX, Wells Fargo froze my account without reversing the check or stopping the XXXX payment and used my funds to cover the check, wiping out my account. Wells Fargo refuses to do anything.

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 2021-02-23
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX Balance : {$1600.00} WELLS FARGO XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} These accounts are involved in litigation and do 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 and was told that I needed to complete an 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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX ( Original Creditor : 01 XXXX XXXX )  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} These accounts are involved in litigation and do 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 and was told that I needed to complete an 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 2018-04-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY
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:
In XX/XX/XXXX I was visiting relatives in South Carolina. During that time I bought a new Nissan at a local dealership and financed it through Nissan Motor Acceptance Corporation ( NMAC ). After returning to my home state of Kentucky I paid off the loan on XX/XX/XXXX. In order to remove a vehicle lien, Kentucky requires Form XXXX to be completed by the lender and returned to the local county clerks office. NMAC refuses to do this. Several phone calls with NMAC has not resolved the situation even though their representatives have assured me each time the appropriate paperwork has been submitted. The last call I requested a copy of the paperwork also be sent to me. This document was received on XX/XX/XXXX and it revealed a simple document titled " Lien Release '' on Nissan letterhead, not the required state form. Another call to their representatives on XX/XX/XXXX revealed they were unaware of the existence of the state form even though I made it clear in previous calls it would have to be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was so stress Last XXXX I've sent disputes for the deletion of those unknown and inaccurate account on my credit report. It's almost 30 days now but I haven't received any response. I Demand to REMOVE ASAP those inaccurate and unknown accounts. or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CarMax, 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: Information is missing that should be on the report

Complaint:
I have been Paying Carmax on an auto finance loan for over a year and they are not reporting to the Credit Bureaus to report positive payment history. They are not reporting to the credit bureaus at all for this account. I have reached out multiple times to fix this report but they have not resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I withdrew XXXX from Coinbase at XXXX on XXXX XXXX 2017. It is now XXXX on XXXX XXXX 2017. The funds have still not been transferred to my bank account. The transaction shows as pending on their system. Coinbase have failed to respond to my requests for information.

Company response to consumer: Closed with explanation