BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX Transunion - XXXX XXXX XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/2019 to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX cars. 
I wrote a 2nd request onXX/XX/2019and have not received a response.

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 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

XXXX  and XXXX not letting me look at my credit BEEN a victim of ID Theft capital one not paying for their mistakes i have letters and asked for a fix

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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:
Incorrect information on my credit 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 explanation
Consumer complaint received 2023-07-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Good evening, In XXXX of 2023, I lost my job and have been out of work. Because of being out of work I am not able to make my student loan payments and was dropped from the repayment program I was in. From XXXX of 2023 through the present day I have reached out to Navient asking if I could put my loans in forbearance, they stated that I no longer have any time left and there is nothing they can do for me. In XXXX of 2023, I noticed that I received an email from Navient stating that I was re-enrolled back into a payment plan. I never agreed to be back in the program as I still don't have study income to keep up with the payments on the loan. Once again I asked if there is anything you can do to help out with my current situation. Each time I call which has been once a week, I have received different information about my case. I believe that Navient does not have a clue about how to handle my situation. On XX/XX/XXXX, I received a letter stating possible litigation. I believe that Navient has unfairly handled my case and does not want to help. I can't be the only person in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Nelnet, Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED/NELNET : # XXXX, XXXX, XXXX & XXXX. Late payments reported on Credit Report for XXXX, XXXX and XXXX are not correct. No 30 or 60 days late being reported, however 90, 120 & 150 days are being reported after on time payments. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian states that XXXX XXXX XXXX has certified that the information is accurate. I have asked them 4 times to show me proof of this certification as I am entitled to under the Fair Reporting Act 609. I have written them and made this request on XX/XX/21, XX/XX/21 XX/XX/21 and XX/XX/21. To date I have not received anything. I have not done any business with XXXX XXXX or signed any papers agreements with this company. They have no phone number listed and can not be contacted. I have asked them how {$5700.00} was written off and {$8900.00} was past due. That makes no sense to me at all.

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 2021-07-02
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: Their investigation did not fix an error on your report

Complaint:
I sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: TN
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 notified that my information was compromised. Took the appropriate steps to remove the items. Credit reporting agencies have not removed them.

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: CT
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 information has been compromised as a result of the XXXX security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.

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 2023-07-24
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I got a call from someone who said they were the CFO/CEO of kia. Then he proceeded to use profanity saying the XXXX word and calling me the XXXX. This is how men treat women in the south and I didn't have a right to be treated in such a manner. Nobody cusses at me when I didn't do anything to him. He doesn't handle complaints very well is he uses profanity to people. I will never do business with kia. I will sue for discrimination.

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 2019-04-30
Company: Experian Information Solutions 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 very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2019-11-05
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
At the end of XXXX in XXXX, I went to XXXX XXXX in XXXX, AL to purchase a vehicle due to some maintenance issues that I was having with my current vehicle. I was shown the XXXX XXXX XXXX that I eventually purchased by a sales manager. I expressed concern at the time of signing because I continuously asked for a total financing amount from the dealership who made misleading statements expressing that they wouldn't be able to give me the final amount. After hours of being pressured by the dealership to complete the sale, I reviewed the sale contract and saw where I would be charged over {$11000.00} more than the base price for the vehicle which was only {$23000.00}, totaling the sales purchase to over {$35000.00}. I went back the next day to return the vehicle, which I was told by the dealership manager that I couldn't do. I do feel that as a young, XXXX woman, Ally Financial empowered the dealership to trap me into a financing commitment that was extremely predatory and over-priced. After years of trying to keep up with the outrageous payments, the vehicle was repossessed in XX/XX/XXXX. Even two years later, Ally Financial continues to try to collect on a collection that was placed on my credit for roughly {$8000.00} which has affected me being able to obtain healthy credit or financing options.

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 2023-08-28
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I requested validation of an alleged debt from Source Receivable Management. I only received a statement balance of {$130.00}, which i did not have enough information or a signed contract stating I have taking out a debt with Source Receivables Management. I do NOT recall this debt and I have requested additional information on XX/XX/XXXX which they have refused to provide to me. This debt has negatively impacted my credit and caused me a great deal of stress. 

In addition, I noticed this is the same debt and amount a different debt collection agency stated I owed to them last year on XX/XX/XXXX. I disputed the debt and the collection was later removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I attempted to make a {$36.00} purchase and I was charged in fraud {$99.00} and {$180.00}. I went into great detail of how many times I attempted to call the company and explain this is fraud. I have filed a complaint with XXXX After 2 months of trying to dispute with Capital One I get a generic letter that they are unable to help me because I couldn't show them a piece of paper of cancellation. XXXX XXXX ( the fraud company ) didn't even send a confirmation or approval email after they fraud charged my credit card. I explained there is no paper for an online fraud charge. All I have for the merchant " XXXX XXXX '' is a phone number. MINUTES after the charges hit my card I called Capital One and cancelled my card and the agent called the company with me and we had XXXX luck getting someone from this fraud company. I tried calling and left a dozen messages over 2 months and now their voicemail is FULL. I can't get resolution with my bank and they will not acknowledge this fraud when this company is clearly and documented with XXXX as being a fraud company. I want my money refunded. I do not have any product. I was charged these 2 transactions without my consent or approval. I would like capital one to stop transferring me around just to tell me I need to provide proof that does not exist. All other card companies worked and resolved these charges from numerous other victims of this fraud. I have read over 200 stories online of people getting scammed the same as me. I have no faith in my credit card company. They need to see this is illegal for me to be charged all of this money when I never authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
opened a complaint on XX/XX/XXXX disputing charges on the Vanilla gift card account from XXXX which, is an online store. I sent all the pictures showing the damaged item and it took the Vanilla gift card disputes team 3 months to respond although I sent a total of 5 emails since I had called numerous times over the course of 3 months. They did not send me an actual update with info until XXXX. They then send an email on XX/XX/2023, which is 22 days after the 10th day of expiration, having full knowledge that I never rc'vd the replacement card or they would of never emailed me about it. I sent them an email on that same day and as usual, they failed to answer. This company is by far the worst I have had to deal with, seems very unethical and I believe they have some type of scam or fraud going on behind the scenes. What is unfortunate is that they have this set up that way when they can easily reimburse the person the money on the card they have but, they opt to send people cards which I believe they never send. The date I should of rc'vd the card was on XX/XX/XXXX and they sent me an email stating the following to remind me of the information knowing that it was 22 days pass the time stated. 
This is the message that they sent in the last email below : Greetings, A replacement card/refund check was requested on XX/XX/2023. Please allow 7-10 business days to receive. If you do not receive it within the allotted timeframe, please email XXXX. 

Dispute Resolution XXXX XXXX XXXX XXXX GA XXXX E : XXXX F : XXXX PAYMENTS | TECHNOLOGY | INNOVATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a settlement check for {$1400.00} on XX/XX/2019 at approx XXXX XXXX. I deposited the funds at the PNC ATM in XXXX, Al. After I made the deposite I was told that my funds would be released on XX/XX/XXXX. Well XX/XX/XXXX is here and my funds weren't releases. After waiting until mid-noon, I was told that PNC couldn't tell if the check is legit. But here 's a big problem, when I made the check deposite the day before I had a negative balance of - {$1.00} well today ( XX/XX/XXXX ) it was - {$0.00}, and even though it was a few cents, its obvious that PNC was able to draw the change from my check to my account which mean they know the check ia valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to Dispute with early warning services with information that was retained with out my knowledge that is incorrect. I Show three bank accounts that were not opened up by me. My Identity has been stolen. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NJ
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:
There are Four accounts that are closed and I would like for them to be removed off my credit report and a collections that I dont have any knowledge of is also incorrect on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S dept XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Navient Solutions, LLC.
State: WA
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 reported to XXXX and XXXX that Navient is reporting my closed account XXXX as having a high balance of {$29000.00}. 

This is incorrect. 

When the account was closed, the balance was {$120000.00}. Navient correctly listed the amount while the loan was open, but when the account was closed, suddenly the account had a high balance of {$29000.00}. The interest alone on this account was {$110000.00} Navient 's practices are deceitful and dishonest. Navient is making it sound as if this {$29000.00} took 29 years to pay off and its harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: AK
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:
Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXX  XXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY 4 KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX - I signed up for a TD Bank account online as a XXXX  resident. 

XX/XX/XXXX - I add XXXX account as an external transfer source and verified the trial deposit amounts from TD Bank successfully. 

XX/XX/XXXX - I try to make an external transfer to the XXXX account Item # : XXXX  ( redacted ) Amount : {$2500.00} From : TD Bank To : XXXX XXXX XX/XX/XXXX - I call TD Bank to ask why the transfer has not yet gone through ; they inform me that they require me to go into the physical location with proof of ownership of the other account. When I asked why the verification on XX/XX/XXXX was not enough, they were not able to provide a reason. I have moved out of state to XXXX, so I asked if I could go into the TD XXXX instead because there are no local branches. They replied that I needed to go in-person. Therefore, I have no way of getting money out of my TD account.

Company response to consumer: Closed with non-monetary relief