BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Mon, XX/XX/2019, XXXX called me at XXXX XXXX they did not leave a message. Upon leaving work for the day I decided to call the number back in case it was business. It was a company collecting debt, who did not inform me who they were unless I identified myself, XXXX said she can't tell me who they are and its just a debt! I couldn't get any information but it was a debt, then she hurriedly said LJRoss, unless i verified my DOB I couldn't know anything else., I did and she then proceeded to say that I owed XXXX {$360.00} and how was I paying? I said I wasn't and that I needed some form of letter from XXXX to say I owe you. This is the second time ( this year ) someone has referenced this account without saying I had a right to dispute or even allowed to clear it with XXXX. So they have an account and asking for someone who NEVER has let me know a third party has the account, nor has the responding debt collector acted on me asking for verification to the debt by letter. This LJRoss has not sent me any information in the times I have told them to do so. I cant give you an account number or anything as I do not have anything related to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2010 I had taken out a private loan from Sallie Mae for a cheap vehicle to possibly continue my education at XXXX XXXX University in XXXX WV. I was currently taking online courses in XXXX  XXXX. After Sallie Mae closed it's doors I was transferred to Navient/XXXX. I fell into default after years of struggling to repay. I had my tax refund of over {$3000.00} offset a few years ago which has effected me tremendously to this day. So now and for years previous, my credit score is the worst, I wasn't able to get any type of help through Navient aside from refinancing through XXXX, I actively have XXXX   XXXX  XXXX  and my grants are exhausted preventing any chance of going back to school. Trying to get back on track but it's been next to impossible for the past 9 years '. Non accredited school that is now closed..and a loan servicer who set me up for failure before they were shut down. Not sure if this is even the correct place to go to for help, but I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: AR
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:
PLEASE UPDATE ALL CREDIT BUREAUS FOR AUTO LOAN WITH XXXX, REVERSE ALL LATE FEES AND UPDATE ALL BUREAUS TO REFLECT PAYING AS AGREED NEVER LATE NEW BALANCE XXXX {$18000.00}.

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 2022-09-14
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There is a total of 12 perkins student loans on my credit report, 6 of the student loans being reported as DEPT OF ED/XXXX with a partial account number of XXXX were transferred and closed, and the other 6 that are being reported as DEPT OF ED/XXXX/XXXX are the same as the first 6 student loans, they were just renamed and paid in full. These student loans are Perkins student loans and they have a XXXX balance, in the year 1965 a law called The Higher Education Act was put in to action to help low income students. This federal law called the higher education act, allows me as a borrower of money from the department of education to get all of these student loans deleted from my credit report once they were paid in full. These are not private loans, these are federal loans, and since these loans are Perkins student loans, by this federal law, all of these must be deleted from my credit report. I want all of 3 of the major credit bureaus, ( XXXX ), XXXX  ), ( TRANSUNION ), to delete all of these 12 student loans and obey the Higher Education Act Law.

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 2023-08-07
Company: Sequium Asset Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested service from XXXX XXXX on XXXX XXXX, 2023 for home internet service. However, after I received my router, I was told by the support service that I would need a co-axil port in my apartment in order to use the service. I informed them I did not have the necessary port and was told that the service would be discontinued as they could not physically provide me the service. I returned the equipment the following day and went to XXXX for internet. XXXX XXXX continues to try to bill me for phone and internet services they have never provided to me and have even received account termination information on. They have gone so far as to refer an {$86.00} collection account to my credit for one month of service despite providing no service. XXXX investigated this account and found it fraudulent ; however, XXXX continues to report it, causing me financial damage. I was notified that XXXX XXXX has a history of litigation for fraudulent account practices, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, 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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: FL
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 and XXXX are reporting an account with XXXX XXXX on my credit report. I have disputed this with each of the companies over and over over 3 years now, sent in all my proof of identification documents required and requested for this false account to be removed dozens of times. This is not my acct. I have no acct # that matches this. Ive requested numerous times for valid verification any docs, contracts with my signature on it etc.and received NOTHING! They havent provided any valid verification proving this is my individual account XXXX just told me they do not have documents they go by the word of XXXX XXXX. 
Both XXXX and experian reports XXXX XXXX as a charge off w/a balance monthly. This is in direct violation of my FCRA rights and I want it removed. It has stopped me from being able to purchase a house And get credit

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 2023-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This account reported by Navient and held by XXXX shows an original balance of {$4200.00} and a charged-off balance of {$6100.00}. This account was disputed and found to be predatory lending under the borrower 's defense investigation. Navient then wrote off {$6000.00} and continues to make collection calls regarding a balance owed of {$1600.00}. Additionally, they report the account is current, not determined, or charged off on my credit despite continuing collection calls. They have harassed myself, family members, and my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
It appears that Wells Fargo intentionally created multiple delays including requiring a borrowers consent form after waiting 7+ months to telll me about this requirement, in order to tack on interest charges to the SBA note so that Wells Fargo can get a bigger payment on the 75 % SBA tax-payer funded guarantee ; the original SBA loan was {>= $1,000,000} and was paid down to approx. {$1.00} XXXX and now from what XXXX XXXX tells me the SBA loan balance is at least {$1.00} XXXX! Here are 3 examples of how WellsFargo artificially extended the timeframe with delays... 

a ) 6 SBA loan payment deferments but no working capital and during this period of payment deferments, I had lenders/investors willing to work with me which means that we could have only needed 2 or 3 payment deferments if Wells Fargo had a good-faith conversation with these third parties but Wells Fargo did not respond to any of my communication attempts. Another huge missed opportunity to fix the mess created by Wells Fargo. 
b ) Wells Fargo still wants me to pay accrued interest on the SBA loan but I had no control over the investigation ). There have been at least 11-12 unexplained investigation delays over the last year, and let us not forget that I asked to part of the investigation and no one replied. 
c ) Wells Fargo still wants me to pay accrued interest, penalties on taxes but I had no control over the investigation ). here have been at least 11-12 unexplained investigation delays over the last year, and let us not forget that I asked to part of the investigation and no one replied.

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 2019-01-14
Company: Experian Information Solutions Inc.
State: AZ
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:
My XXXX Visa credit card account should not have a balance of {$3900.00}. Thats a incorrect balance. I should have a recent balance of {$0.00}. Please delete and permanently block the balance reported on my XXXX Visa credit card account.

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 2018-02-07
Company: EQUIFAX, 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:
I am currently refinancing my VA home loan. On XX/XX/XXXX, I received my credit score from Equifax ( whom I subscribe monthly to ). They stated my score was XXXX. ( see attachment 1 ) On XX/XX/XXXX, the XXXX XXXX ran a credit score and Equifax reported a score of XXXX. ( see attachment 2 ) As I do not subscribe to the other credit bureaus, I can not state if they reported different scores.The difference in scores raises my closing costs by more than {$1000.00} per the lender. 
In addition, in XX/XX/XXXX I bought a motorcycle, in XX/XX/XXXX I bought a house and XX/XX/XXXX I bought the house I am refinancing. On all of the purchases, the scores reported were different also. At that time, I called Equifax and tried to resolve the problem. They argued with me and told me there nothing they could do as the info was reported based on their computer program. I did not file a claim with you because I as was told you already had a law suit against them. 

When I noticed the same problem this time, I contacted your office again and was told the suit was settled. Please see your ARTICLE 1422 CFPB ORDERS XXXX  AND EQUIFAX TO PAY FOR DECEIVING CONSUMERS IN MARKETING CREDIT SCORES AND CREDIT PRODUCTS. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have listed the concerns I have about the reporting of these fraudulent accounts. It is not complete and does not meet proper reporting standards. According to the law, the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. This information has been reported several times as I have never opened or knowledge of these fraudulent accounts. Credit bureau continues to falsely report fraudulent accounts under my name.

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 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I would like to sue Capitol One Financial. Rented a car from XXXX using the Mastercard platinum car rental coverage. This was in XXXX of XXXX. Ran over a dead dog carcass and sustained XXXX dollars damage. When I tried to file a claim they said that the car rental coverage had been discontinued. I said that I did not get notified. After numerous calls and inquiries I was told that the coverage had been discontinued as of XX/XX/XXXX on the XXXX page of the online statement. I said, " are you kidding me. ". The spokesman from Mastercard read from I guess a memo saying that Capitol One should notify cardmembers by letter, email, or online statement. This is outrageous. I have been stewing over this for a year. They refuse to reimburse. I don't know what the legal angle would be on this case, lack of due process, lack of proper notice, negligence, ethics. I don't know but I want to sue them. I am XXXX XXXX XXXX with a XXXX XXXX so I could not handle small claims. Let me know if you can help or maybe refer to someone who can. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

XXXX5 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

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 2020-01-23
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
on XX/XX/20 my account has a positive balance of {$2.00} with 0 pending transactions. the next morning on XX/XX/20 my transactions had been rearranged from biggest to smallest instead of the order they posted in and my account was overdrawn by {$5.00}. i called PNC to get it refunded and put the account in a positive balance but they denied my request to have the fee refunded. fine. i put the account in a positive balance and went on my day. 
however on XX/XX/20 i had 2 pending charges while the account was still in negative. the credit for my account was still pending and i got charged 2 overdraft fees for the pending charges even though they hadn't materialized yet and even if they had the account would have still been positive.. BUT because the credit hadn't posted yet PNC saw it was me making transactions while negative. I called again to get these charges reversed but the customer service representative told me that a computer makes those decisions and she is unable ( unwilling ) to escalate it and would not let me speak to a manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: CO
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 this account has violated my rights. 


XXXX. XXXX, XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Genesis FS Card Services, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Genesis FS Card I finally applied for this card with a {$700.00} limit over 2 months ago. I faxed them my photo ID and Social Security card over a month ago as requested. I called them for updates several times. Today, XXXX I spoke with a rep after I informed her that the same sort of offer came in my mail today and what was really going on with my personal information ans are they trying to scam and steal identities? I'm a XXXX XXXX veteran and will bring this up to my VA representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXX XXXX XXXXBalance : {$0.00}

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