BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my purse on XX/XX/2020. Someone got it and use my information and documents to open an account with debt {$12000.00}. There is a couple returned my purse in the mall and ask me to paid them {$200.00} to get it back, I paid them and I dont know if they are the fraud. Last month I check my credit score was down because of this debt {$12000.00} but I was not the person apply or open this account. I have reported to XXXX, Equifax about my credit score. My credit score in the last 2 years is always very good. No debt. Always pay on time. Now I want to dispute this problem and hope you can help me investigate to solve it to get back my real credit score. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
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:
inaccurate information showing up on my credit report that are not mine or balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently have a Unsubsidized Consolidated Loan with Navient. I took the standard 10 year repayment term and have been paying by automatic bank drafts every month. I have never been late and have made extra payments to my loan in order to pay off this loan early saving myself approximately four years in interest payments.

In the past I have felt, as has been alleged in charges filed against Navient, that they have never acted in my best interest. I always came out on the wrong end of the stick so to speak.

I have managed to repay this loan and can potentially pay it off within the next 16 months saving me a large amount of interest and time in terms of the length of the original ten year repayment term.

Navient, now curiously that the 0 %, interest has been offered by the Federal Government, wants to increase the length of my loan. I had strategically been increasing my payments in order to take advantage of the 0 % government mandated change to Federal loans in repayment ... of which my loan qualifies.

Navient now wants to extend my loan repayment timeline, stating they NOW notice that there is a much shorter time line, based on the payments I have made, for the loan to be paid off. That of course from my perspective is the point. That was my intent all along. I did not request any change to my loan agreement. Frankly, I suspect Navient does not seek to act in my best interest. They have never acted in my best interest in the past.

I have sent an email on their internal email site asking them to explain how does what they are suggesting, increasing the time for repayment, help me? I fail to understand how what they propose helps me at all. I did not ask them to change the terms of my loan and demanded that they leave my loan alone and uphold the terms of my original agreement, unless they can show exactly how I can benefit.

I am concerned that other Navient clients in the same position fortunately that I am, may be taken advantage of by Navient, with clients wanting to use the 0 % interest rate to their advantage.

They did not seek to make any changes prior to this 0 % interest rate. They were happy to charge the exorbitant 6 %. Now why the rush? I suspect it's because the rates are now in the borrowers favor to take advantage and significantly move towards paying off their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2015 I paid XXXX XXXX XXXX {$2200.00} for a account for wells fargo ( original account number XXXX ). Since that time I have had over 20 different collection agencies calling me threatening to sue me for this debt. When I contact Wells Fargo they have no knowledge of the account because of the age of it. The recent company XXXX XXXX XXXX phone number XXXX contact me on yesterday and was very rude and told me legal actions will be placed against me for this matter. 

This wells fargo account is outside of the statue of limitations to be collected on plus I paid it. This account does not show on my credit report at all. Can wells fargo or any collection agency collecting for them cease the harassing phone calls and the threats asap.

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 2023-04-05
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was just aware that XXXX XXXX XXXX agency reported an account that I allegedly owe in the amount of XXXX to the credit bureaus. I have no knowledge of this account as I have not received any loan for this amount for anyone. I was contacted by this company and told them that I had no knowledge of the debt that I dispute it and I also asked them to please validate the debt in writing as required by the fair credit debt collection practices act. The company failed to do this and they illegally reported my account to all the collections bureaus without validating this account to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2020, my credit report showed I had a late payment for my XXXX XXXX account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for XXXX. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my XXXX XXXX account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my XXXX XXXX account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from XXXX using my credit card during XXXX, XXXX, XXXX, or XXXX of 2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I recieved this loan in the mail, but I did not apply for this ( or any ) loans. 
The check is for {$1400.00} but the charges are {$890.00} and the APR is 69.99 %. 
These terms are clearly predatory. This is no better than a phishing scam! 
Also the check is issued by XXXX XXXX and they should be held responsible for participating in this garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING XXXX  XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX ( REPORTING XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/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 2018-07-17
Company: Riverwalk Financial Corporation
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:
I had {$860.00} left on XXXX XXXX Credit card when it went to collections. I made a payment on XX/XX/18 and XX/XX/18 both for {$430.00}. I was told that if I made these payments this credit would show as paid & full and would be removed from my credit report. 
This is still showing as a negative on my credit report with a balance. 
I have attached a form below from the company stating the account has been paid in full and the promises of removal. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Constar Financial Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Account was closed XXXX 2018 after it was repossessed unknowingly. There is an amount for {$4600.00} left over on the account. I later found out from my credit report that it was sold at an auction. I didn't didnt get any letters or notices stating the delinquents. Nothing stating the reposition nor that it was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recurring dispute of medical collection item, XXXX XXXX on behalf of XXXX XXXX. In XX/XX/2023, I mailed a request for verification of debt. Neither company responded. As a result, I submitted a CFPB complaint in XX/XX/2023 which the company has yet to provide verification. The problem arises, because I have also disputed this bogus account with all ( 3 ) credit reporting agencies, and somehow the credit reporting agencies and XXXX are validating the debt. I don't understand how the debt is being validated when it is approaching ( 4 ) months of no response to my validation request. This is a blatant violation of consumer rights. XXXX, Transunion, and XXXX- should not be accepting validation of this debt. I want this account removed. I have attached a timeline record.

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 2020-09-09
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have a complaint with TransUnion. I attempted to check my credit score through a separate site which ultimately led me to the  TransUnion website. On XX/XX/XXXX I entered some basic information to the website in order to obtain my credit score/report. I was under the impression that there was no cost since nowhere did it clearly state that on the pages I was led through. One of the pages included credit card information which seemed weird since nowhere else did it say how much they would charge me or what they were charging me for. When I submitted all the information I was led to my credit score, however later in the day I received an email notification saying that I was charged my first monthly subscription fee of {$19.00}. I was not under the impression that I was paying for any service, or that there were ongoing charges that I would be paying. I logged into my account to cancel the subscription, however when I attempted to contact TransUnion to inquire about what happened there was simply nowhere on the website where I could get in touch with somebody either by phone or email or otherwise. The receipt email confirmation had text that said " click here '' for customer support but there was no link with that text. It seems that the company does not want customers to be able to reach them. I am very angry that they charged me for something that I was not intending to pay for, and they did not communicate that subscription payment in any reasonably clear way at all throughout the sign up process. I request that I receive the {$19.00} back in full as a refund. I will be making sure no one else uses TransUnion for credit needs, especially if they insist on not giving me my refund.

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 2020-07-07
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:
XXXX XXXX XXXX i have fraudulent account fraudulent account report on my credit report/ ; account opened by someone who stole my identity

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On my last XXXX and TransUnion credit reports dated XX/XX/2019 there is incorrect personal info., and im wondering if my personal info was ever used by another person ( s )!! Under addresses there are 3 that dont belong to me : 1. XXXX XXXX XXXX. XXXX XXXX in XXXX. 2. XXXX XXXX Urb. XXXX XXXX - XXXX XXXX in XXXX. 3. XXXX XXXX - XXXX. 

And under former employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I dont recognize this employer. I have always worked in school system here and previously in XXXX XXXX  XXXX. 

Thanks. 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 2020-11-25
Company: BMW Financial Services NA, LLC
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:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX XXXX XXXX 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 a account without my written instructions. 

The following Accounts Debtor : 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 2020-01-28
Company: BMW Financial Services NA, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor- BMW Financial Services Amount shown on XXXX - {$10000.00} Date reported : XX/XX/2020 Negative remarks : They indicated i owe them money when my account is closed. I was told on a recorded line that the amount of {$10000.00} would NOT be reported to ANY creditors within a year so we could potentially resolve this issues at hand. They have went against their word that was recorded on their phone line!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The name used on my credit report said XXXX, XXXX I have never used this name before.

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 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Transunion requesting verification of XXXX XXXX XXXX, XXXX, and XXXX XXXX Dealer services accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Transunion responded to each of my disputes saying the information was verified/updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Transunion has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Transunion has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items be 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