BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company does not pick up the phone. Received notification of a collection bill related to XXXX XXXX, per XXXX XXXX resources, no bill is owed. This is a false collection with no account number, no debt, no answer just in my report damaging my credit score. I am currently in Escrow and this will impact the outcome of my home financing. No mail, no calls. Per looking at their website this is a known collection agency for making false collections

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a loan to go to school total of {$6400.00} in XXXX The school after a few months refunded the loaning company {$1500.00} XXXX XX/XX/XXXX ) I have been paying on this loan since I took the loan out. I missed a few payments in XXXX and talked with the company about setting up an autopay option. I was told that by doing so I was assured to pay off the loan faster. They ( Navient ) but me on a 20 year variable interest rate loan which I didn't agree to. I have been doing the auto-pay option since XXXX and they will take $ XXXX {$100.00} a month. After a few years I went to try and log onto my account online but couldn't, I got a message that the account was invalid. Money still was being taking out of my account. Recently I closed that checking account forgetting about the auto-pay to Navient. 

I have gotten numerous threatening calls at least 6 times a day. 
So I looked into how much I have paid on this loan, {$12000.00} on a loan for {$6400.00}. Navient claims that I still owe them {$3400.00} because it is a 20 year loan. 

I have put in request to speak with their Ombudsman, I have gotten a few responses but no resolve to my issue. Only that they are going to look into it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/2015 I was made aware that my data was breached by Experian.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 do not recognize this account, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on XXXX, transunion and XXXX I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.

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 2021-03-04
Company: Navient Solutions, LLC.
State: CA
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 have three XXXX unsubsidized loans and one consolidation for loans taken out before 2010 for a XXXX  program, which I completed and have been paying back without a problem. I moved AND the pandemic hit at the same time, making my work unstable at best. I understand President Biden signed an executive order of forebearance on Federal student loans with XXXX interest, which applies to my XXXX loans. Somewhere along the way, apparently, my loans were sold (? ) to Navient, who says they do not need to comply with this order. 

I did not agree to have my loans administered by a non-federal group. And I will complain to the highest levels to make this right. I deserve to have my loans treated as any other Federal Student Loans. 

Frankly I also believe how interest is accrued is also VERY UNFAIR to the student.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX Account paid in full On XXXX XXXX, I purchased a XXXX XXXXXXXX XXXX  with a XXXX XXXXXXXX along this purchase I agreed to get an Extended Warranty plan to cover expenses and repairs. 
Unfortunately, I decided to sell this truck to another car dealer, I proceeded to cancel this service and get a refund on the extended service, Extended warranty dealer refund the amount charged for the service back to Ally Bank XXXX XXXX XXXX Ally Bank has refused to send me the refund of the extended warranty since that date, They are saying that It will take up to 130 days to get a refund, I told them this check was clear by them and are using my money for too long due to ineptitude, I already wait more than 2 months. 
There is not guarantee that I will get my refund at that time for the extended warranty cancellation To resolve the problem, I would like to get paid faster and with interest earned. 
I look forward to your reply and resolution to my problem and I will wait XX/XX/XXXX before seeking help from XXXX XXXX XXXX. 
Please contact me at the above address or by phone XXXX XXXX or by email 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 2022-09-02
Company: Experian Information Solutions Inc.
State: ME
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 have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : XXXX XXXX XXXX XXXX  XXXX account number XXXX. Delinquent 2. XXXX : account number XXXX. Delinquent 3. XXXX XXXX  XXXX : no account number shown on the credit report 4. 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 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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 have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : 1. XXXX XXXX XXXX  XXXX account number XXXX. Delinquent 2. XXXX : account number XXXX. Delinquent 3. XXXX XXXX XXXXXXXX : no account number shown on the credit report 4. Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Tennessee Quick Cash, Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My husband died suddenly and as a result I had to appeal and verify my claim with the XXXX XXXX. On XX/XX/XXXX to travel to Washington, DC I made a vehicle title laon with TN Quick Cash later that XX/XX/XXXX I mad an additional loan of {$1000.00} making the total {$2000.00}. During this time I was unemployed. I informed them and trying to work out a lower payment and their, agent said, " on, and informed me how he was going to send someone over to get the car. This was XX/XX/XXXX. I never got any statement. to this day, XX/XX/XXXX, I have never received " any account statements '' I had to file bankruptcy due to the problem with the VA. My attorney tried to work out a payment with TNQuick Cash in XX/XX/XXXX. They then notified the court which dismissed my case. 
Tday XXXX, without notice, TN Quick Cash came on my driveway, without any notice and repossesed by car. This is wrong and they have never supplied me with any account balances or statements. 
Please investigate. I have proof of other actions of them being on my property at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: American Cycle Finance, 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:
Hard inquiry on my XXXX  report from XXXX XXXX XXXX  ) XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for membership so that i can open an account. However, I could not advance past the initial application. I called the bank and they told me I had to verify my identity by asking me questions pertaining to my consumer report. I answered the questions successfully. Then I was placed on hold abruptly. The lady rep came back to the line and told me she had to transfer me to someone else so that the questions could reset. I asked why did i have to verify again and she said the system was having issues. She placed me on hold again then told me to call back so I could get another rep. I asked her why and told her it sounded a big fishy. She said she couldnt assist and the new rep would ask additional questions. After waiting on hold, the line disconnected. XXXX my XXXX daughters are having issues as well trying to access USAA based off my military affiliation. We attached a chat transcript of how we were just rudely disconnected while trying to gain information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
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:
There are numerous accounts listed on my credit report that I currently have no knowledge about. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: PA
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 sent a certified letter which was delivered on XX/XX/2020 asking for proof of investigation. To date, I have not received any communication from this credit bureau. I have asked them to investigate this creditor and they verified the information as accurate. Since this is the case, I am puzzled as to why they can not provide proof regarding my inquiry. In the letter, I attached all of my identifying information including a copy of my passport, social security card and a utility bill. This creditor has ignored my letters before, which is why I provided so many forms of identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about 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 2021-02-24
Company: Experian Information Solutions Inc.
State: NC
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:
Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.

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 2020-07-07
Company: Experian Information Solutions 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 was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX XXXX  today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with the account listed under XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I believe that the creditor has the authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct below i attached Transunion results proof I tried to fix the problem with the company proof of receipt sent certified mail

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 2020-07-07
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: Information belongs to someone else

Complaint:
I was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX dealership today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.

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 2020-09-09
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: MD
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:
I have submitted disputes the Experian, XXXX and XXXX to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : 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 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I went on XXXX to check my credit report because I was declined by XXXX when I tried to open my very first credit account. I find that someone used my information to open a Bank of America credit card in XX/XX/XXXX and failed to pay off credit card debt. Hence, Bank of America closed the unauthorized account and is charging me {$940.00}. I notified other credit bureaus and Bank of America, and filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.

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