BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I connected with XXXX XXXX to assist with student loan payments, but have received an FTC notice and instructions on how to fill a complaint about their unfair and deceptive practices. I have since canceled the subscription to XXXX XXXX. I don't know where to proceed from here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
During the COVID pandemic I applied for XXXX XXXX Mortgage Deferment Program due to the financial uncertainty that may have followed. My first question to the XXXX XXXX Loan Advisor handling COVID related clams was : " Will this program affect my credit scores in the present or future? XXXX XXXX 's response was " No it will not affect the account holders credit scores. 
This is a VA federally backed loan that has been current since XXXX with no missed payments for the record. Fast forward to XX/XX/XXXX when my forbearance was terminated and my account is in good standing with XXXX XXXX. XXXX XXXX has added the comment to all three Credit Bureaus " that the account holders are Paying under a partial or modified payment agreement '' On XXXX XX/XX/XXXX my Expirien credit score dropped 82pts due to this comment. I have verified that with the Expirien they are counting this comment as a major negative delinquency. 
I have reached out to the XXXX XXXX executive resolution team regarding this problem and they have responded explaining that they have reported everything accurately along the lines of the Fair Credit Reporting Act. Please Advise

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 2023-09-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: GA
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:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 

see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  acct # XXXX. the Credit reporting agencies are reporting this account inaccurately. I've reached out multiple times. they are breaking federal law. According to 15 u.s.c. 1681a ( 2 ) ( b ). it clearly states the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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 2022-02-08
Company: Michael Wayne Investment
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello my mother passed away and I had a XXXX XXXX  and is in the hospital but they are transferring me to the behavioral health unit where I won't have a phone or anything to the outside world. I don't know how long I'm going to be in here I am asking for help with my car note for about two months give me until XXXX so I can get the help I need and go back to work my mother use to help me with my bills I'm in college so I was only working part time I don't have any income coming in at this time I call this company basically begging for help and the rude girl didn't even acknowledge that my mother was dead. I have never had any problems before and this is why I am writing company I spoke to XXXX and she said I needed to make a payment i advise her I can't pay I don't have money this company is very insensitive and not understanding at all this is one of the reasons I'm in the hospital stressing I'm stressing over my car

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 2019-10-01
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-06-23
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX. 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 an 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 item 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 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 2022-10-21
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is a followup complaint to complaint # XXXX This item still remains on my credit reports and has incorrect information such as charge off and still open. The company seems to change the status monthly to keep it going instead of deleting the derogatory information as they agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I had {$1200.00} taken from my bank of the west business account I found this withdrawl on XX/XX/19 and immediately called my bank. I went in to my branch and signed the papers that were required for this unauthorized transaction. 
It is now the XX/XX/XXXX and my bank tells me that XXXX XXXX will not give back the funds, so it is out of thier hands and I need to contact the entity that took the funds. 
This was an unauthorized automatic withdrawl from a company name XXXX XXXX   that was used to pull money from my account for some person name XXXX XXXX, who I do not know and is associated with another company called XXXX. I received theses name through my bank. They told me that I need to contact these people directly because all they could do was ask XXXX XXXX to reimburse the money and when they denied it they said it was out of their hands and closed the fraud claim. I have contacted the two companies ( only available though email neither company will talk with me via phone ) and both told me that its out of their hands and that I need to contact my bank So now I have multiple emails between me and this company XXXX   and conversations with my bank and not one of them will help me. They are both passing the buck I have asked both of them for proof of authorization and neither has come through.

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 2023-02-23
Company: PNC Bank N.A.
State: MN
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 once owned a credit card from PNC Bank and submitted a lost or stolen card claim. The sent me a new card, but the lost or stolen card showed on my credit report for many months. I continued to pay all payments on the new card. I had not received any notification from PNC that I had an outstanding balance on the lost or stolen card. Then in XX/XX/XXXX, I called to inquire why I received a negative report from PNC, only to learn that the old card still had charges of over {$100.00}, which had not been transferred to the new replacement card. I paid what they claimed was owed on the old card then. My credit report for this card shows all payments on time from XX/XX/XXXX until XX/XX/XXXX, when they reported a 30-day late payment that negatively impacted my credit score. I have disputed this claim with credit reporting agencies and tried unsuccessfully to get PNC to remove this late payment they are reporting to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a letter to the credit bureaus asking them to investigate some WRONG accounts that they are reporting on my credit report. It happens that a few days ago I came back and I see that the accounts have not yet been removed from my credit report and the credit bureaus did not even deign to answer my disputes. Where are my rights? They are violating them, and their customer service is terrible when you try to get answers on the phone with them, they definitely do what they want with consumers and nobody protects us. That is why I am submitting this complaint with you in the hope that you will listen to my complaints.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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:
This was my sixth time to complaint to you, to inform you that I want to do a follow up in the status of my request to remove these remaining inquiries in my Experian and XXXX XXXX XXXX. I was hoping eagerly expecting that in my next update of my mentioned credit reports, I am expecting that these listed inquiries here will no longer be present in my credit reports : EXPERIAN : 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please deleted the following items : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 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 2019-08-23
Company: CNG FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX XXXX. On XX/XX/2019, I went to check n go to  apply for a loan. They loaned me {$1700.00}. I paid {$240.00} On XX/XX/2019. I called check n go and they told me to pay off as of today is {$2000.00} and every day it increases. I did not know I was going to have to pay back so much. They put me in a loan that they knew according to my income, I could never pay off. I am mentally XXXX and on a fixed income and take care of my daughter with XXXX. Im taking them {$1200.00} today that I had saved up to buy a house for me and my daughter. They told me that this loan wouldnt show up on my credit report but its on my XXXX, XXXX, and XXXX. Please help me with this matter because Im on a fixed income and cant afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased an item on XXXX ( item # XXXX XXXX board for XXXX   XXXX laptop ) from ( XXXX seller XXXX ) on XX/XX/XXXX. It wasn't shipped until XX/XX/XXXX. The item arrived into my mailbox on XX/XX/XXXX. USPS tracking # XXXX. Due to a XXXX in the family I had to fly out of town and didn't get a physical posession of it upon my return on XX/XX/XXXX. on XX/XX/XXXX, 3 days before sellers 60 days warranty expires, XXXX board mysteriously dies. The computer is completely useless. I have tried contacting the seller, but all I got is the run around. I filed a dispute with paypal ( Claim - # XXXX ) An hour later it was closed with explanation. 
Status After careful consideration, we're unable to decide this claim in your favor at this time. 
The listing accurately described the item you received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I just qualified for Section 8 Housing as I`m way below poverty level, I can`t afford my apartment much longer. Wells Fargo didn`t do the right thing before paying out close to {$28000.00} to XXXX XXXX XXXX . The XXXX XXXX value has to be looked at, as well as the mileage and condition of the vehicle. I`m attaching again the XXXX that I got from XXXX XXXX XXXX XXXX 

Wells Fargo Auto Finance should sue XXXX XXXX XXXX for false information on the XXXX XXXX they gave the money to, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2019 I was contacted by EdFinancial. The debt amount was not what I recall borrowing. I requested validation of the debt. I was informed that I needed to put this request in writting. I verbally told them that I would be doing that immediately, and asked them not to further contact me by phone. I immediately wrote to the company and put this request in writing no more than a week after receiving that call. I did not receive anything in the mail. 

I received additonal calls and I stated each time that I was questioning the amount of the debt and had requested validation of the original debt, which I still had not received. The agents each time stated that they were making notes in the account and that the calls would stop while that information was being sent as I requested. The calls stopped for a little while, but then continued again. I also received mailed correspondence about the debt, but never received validation or information about the original debt. Meanwhile I was told that the debt was being reported on my credit. In XX/XX/2019, and in XX/XX/2019 I was reported for late payments. I spoke with agents multiple times who told be that they did not have to comply with the validation of debt request and that thir company didn't do that. I don't understand how they can refuse to comply with the federal law regarding validation of debts. I again put it in writing and stated that this was now my second written request for validation of the debt. Again I received nothing. It is now XX/XX/XXXX and I am still receiving calls from this company, and it is still reporting the debt to credit agencies. I have now written for the third time for validation of the debt, and have not received anything other then them sending out their own one page demand for payment with no validation of the debt, and continuing to report to cerdit agencies as 150 days past due.

Company response to consumer: Closed with explanation