BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
Company: Navient Solutions, LLC.
State: WI
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 would like to submit a complaint about Navient. They have made it extremely difficult to get simple answers and I believe I was mislead in the way my payments have been handled. After about one year of being in repayment, I checked my balance and thought it had gone up. I went to compare it to previous balances, but could not find the " Total Current Balance '' line listed anywhere clearly on a previous date. I called to request this information and they sent some documents, which still did not provide what I needed. I decided to take a screen shot instead and compare in a few months. From XX/XX/2019 to XX/XX/2019 my balance went UP despite me making my payments on time. I double checked the remaining interest and made sure to pay all of this off, in hopes that this would end the problem. I then tried to set it up to automatically over pay my minimum monthly, which the company does not allow you to do. 

On Saturday, XX/XX/2019 I checked my balance and took a picture. On Tuesday, XX/XX/2019 I checked again and my balance had gone up {$18.00}. This is despite me already paying the balance for XXXX PLUS {$240.00} extra. 

This company is clearly handling something wrong, and making it extremely difficult for its customers to get to the bottom of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Key 2 Recovery, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Key 2 Recovery has harassed me via phone with repeated calls after request to cease and desist. Key 2 Recovery has attempted to collect a debt claiming incorrect inflated amounts. Key 2 Recovery has been informed that the debt is under repayment with the original lender, but still tries to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive contacted the collection agency made them aware the cable account was open up without my authorization. Someone been using my social security for years that including tax fraud. This bill does not belongs to me im asking to be removed off my profile

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 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX XXXX was a victim of your inquiry issue. customer service would not help and take care of the negative inquiries reporting to my credit report thats not mine. All inquiries shall be removed or else I will proceed in higher action. Thank you

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 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I came back to XXXX after being in XXXX ( my country ) for 13 yrs. I couldn't rent a place to live, lease or buy a car. 
I build my credit to good. 
Now I am receiving from my bank B & A that my credit went to fair. 
I believe that I never barowrd or own any body any money. 
I need to know companies, institutions or individuals who think I owe them some money. Unless someone else 's is using my name. 
My credit is important to me, please help. 
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 2020-11-04
Company: Experian Information Solutions Inc.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-05-06
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:
wrong info fcra : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX LA XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX, TX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The third party collection agency name XXXX XXXX left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. 

P.S. Loan was taken XX/XX/XXXX NOT 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 explanation
Consumer complaint received 2021-05-06
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a customer of chime for years. Over the last week my account has been compromised three times. Someone sent an email with a fake id requesting my login information be updated. It was approved by XXXX.. That was resolved by me sending in proof identification. After regaining access to my account the account was yet again approved for update by a scammer this change was also approved by XXXX after going through the verification steps again I re gained access to my account. Now today my information was yet again updated by XXXX without my permission so yet again I have no access. At this point I am frustrated and this seems like negligence by chime to allow these updates. There is no reason that my account information should be updated without my consent three times!! ' The employees need to do their job right!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had Equifax subscription for almost XXXX years. Earlier in XX/XX/2018 I made an attempt to log in and could not. I called the following morning and was informed to call to call back in two hours. I fell asleep and did not call back. During the week of XX/XX/2018 I made another call but could not be directed to a live person. On XX/XX/2018 I made another attempt and was told they were conducting maintenance and call back in two hours. It was that day that I subscribed to XXXX XXXX. On XX/XX/2018 in the afternoon I called once and was told maintenance was being done and to call back in two hours. On the morning ofXX/XX/XXXX I made another call was told they were conducting maintenance and to call back in 24 hours, In anger I hung up the phone. I called CFPB to file a complaint and was directed to file as I am in this message. This is peculiar activity, I am trying to cancel my subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted!

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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XXXX AND ON XX/XX/2021 I SENT A LETTER TO ALL THREE CREDIT BUREAUS EXPLAINING TO PLEASE VERIFY SOME ACCOUNTS THAT WERE ON MY CREDIT REPORT THAT TO MY KNOWLEDGE ARE INACCURATE AND ARE HIDIRING MY CREDIT ABILITIES. I ALSO SENT THEM A SECON AND THIRD ATTEMPT THE THIRD ONE I WAS ADVISE TO DO CERTIFIED SO YOU WILL PROOF ATTACHED THAT I DID.

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 2018-10-18
Company: Collection Bureau of America Ltd.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB, I am requiring your assistance in resolving a fraudulent attempt to collect a debt not owed. This letter is in no part, an admission of debt owed and may not be used against me at any point. I had an account with XXXX XXXX water services and cancelled service in or around XX/XX/2017. I was preparing for a move across the country in XX/XX/XXXX. I had already had plenty of water and told them to cancel billing upon making my last payment. I had them collect my water jugs before making my trek across the country in XX/XX/XXXX. I never received a letter outlining the reasoning for this collection of the debt nor a statement of it's validity. However, if I did receive such, my account records would reflect no debt ever existed. Since noticing this negative remark on my credit report, I've tried to resolve this matter with the collections company. I've received harassment and endless calls from various numbers. The nefarious manner in which these criminals have attempted to collect a debt not owed has been extremely suspect. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX/XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX XXXX : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX   XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX./XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & : XX/XX/XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX IXXXX : 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 explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: NY
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 tried to call Experian over the phone at XXXX XXXX XXXX and I could not get in touch with any live person that could help me that is why I am filing the dispute threw CFPB. There is a high balance of XXXX reported on my discovery card and on other credit reports such as XXXX  I saw high balance of XXXX in the month of XX/XX/XXXX. This is incorrect high balance and current balance for the month of XXXX billing cycle. The correct balance and high balance for XXXX is XXXX that will be sent to Experian in the next few days. The problem with XXXX or XXXX balance it is over the credit limited of XXXX and that is not my closing statement balance. This is XXXX account XXXX open 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 explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: VA
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 and I have filed a complaint with EXPERIAN Credit Bureau to have the fraudulent accounts that they have been reporting to be block. I have asked Experian Credit Bureau to remove the FRAUDULENT ACCOUNTS listed below that remain on my credit report in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-05-06
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a Metro 2 dispute letter to Equifax asking how they went about verifying XXXX  XXXX Auto Finance account XXXX. 
I never received a response from them. 
On XX/XX/2021, I sent a letter to Equifax disputing the late payment for XXXX  XXXX Auto Finance account XXXX. 
On XX/XX/2021, I received an email from XXXX  alerting me that equifax removed a XXXX XXXX Auto Finance account from my credit report. I went to view my Equifax credit report at XXXX and realized they had deleted the one latter. I had not filed any dispute asking them to remove that account. Yet, they did it anyways when it was entirely in good standing. Worst part is that they never responded to my Metro 2 letter pertaining to the account ending in XXXX, which SHOULD be the account that is removed especially since they have been reporting it inaccurately. 
On XX/XX/2021, I called Equifax and spoke with supervisor XXXX who was of no help and could not even tell me why I had received no response for SEVERAL rounds of disputes that I have sent them. The correctly disputed XXXX XXXX account XXXX needs to be removed to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: BB&T CORPORATION
State: FL
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 claims i am thier consumer, how did that happen, XXXX claims I am thier client/customer too. well to ; ; XXXX XXXX ( Treasurer ) XXXX XXXX XXXX ( Director, President ) XXXX XXXX ( President ) XXXX XXXX ( Secretary ) XXXX XXXX XXXX ( Director )  im tired of the games and i did send you your present in the mail with the seal of destruction, im going to fix you XXXX XXXX using XXXX magic, you and your family will experience the same termoils plus more of what you are causing me, its an energy reversal, within 30-45 days you will experience this power and see hardships and bad experiences, the spell will not be lifted, XXXX you now, I know now how to deal with 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 2021-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i dont know about this account that is affecting my credit report XXXX XXXX XXXX Account Number : XXXX This is not mine, delete this from my credit report. I do not know this company

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 2018-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The bank is charging me for a bank error they made by changing my bill pay payee after I sent payment. They changed the vendor name and address to an incorrect payee. When notified about it they responded quoting their bill pay agreement : On page 9, section B ( i ), titled Description of Services it states, By providing us with the names and account information of those Payees to whom you wish us to direct payment, you authorize us to follow the Instructions that we receive through Bill Payments. You further authorize us to update or change any of your Payee information ( including but not limited to changes to account information, Payee name and mailing address ) as requested or provided by your Payee, the U.S. Post Office or pursuant to any updates or changes through other tools and resources we may use from time to time to effectuate the Bill Payment. 
The issue is that the Payee did NOT request the change, the US Post Office did NOT request the change and the bank will not provide me with any information as to why the change was made. They also ignored my first notarized affidavit and have required me to fill out another one and send it in. In the meantime I have had to pay the vendor bill twice and am out my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
My identity theft is not being taken seriously and was not included in any reporting that USAA did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my USAA auto and property insurance company starring they would cancel my insurance because of what USAA REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation