BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I received a collection notice from A company called AFNI. The letter stated I owed {$1400.00} to XXXX XXXX XXXX. I never used XXXX XXXX XXXX services before and had not seen any other bills that need to be paid from the said company. It was a surprise that it was sent straight to collections and not have any notices to begin with. I believe this was a case of stolen identity with the intent of ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX collection accounts reporting in error on my 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 2022-03-30
Company: LEXISNEXIS
State: NJ
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:
I contacted lexisnexis on XX/XX/XXXX asking how they verified the information that XXXX, XXXX and XXXX are saying they furnished them regarding the bankruptcy on my credit report. On XXXX they replied that the bankruptcy was accurate without providing me the information that I was asking for even though at the bottom of their letter they said it was my right to request the process on how they obtain and verify this information. They tried to make it like I was disputing the information when I simply asked for the process of verification. on XX/XX/XXXX they sent another letter saying they were going to dispute/remove the info from XXXX, XXXX, XXXX. Then on XX/XX/XXXX they sent another letter stating they can't give the results of the investigation because I didn't fully identify myself which can't be true or else they wouldn't have responded to me on XXXX. Therefore I followed up today with response demanding what I asked for on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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 submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 6 accounts on my credit report that do not belong to me I need these removed asap I have filed for FTC I have been disputing these since XXXX of 2020 and I am getting pretty ticked off since I am spending days and days on these trying to save my credit from accounts that are not mine they do not belong to me I have no idea how these are on my credit and who put these there. I own no such cards or accounts. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my 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 explanation
Consumer complaint received 2023-06-09
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One/Neiman Marcus XXXX XXXX XXXX , which has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Gold Star Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called to set up payment arrangement for future dates. Sending threatening letters to my home address saying will " RUIN '' credit if do do not recieve balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, It has been 70 days since I emailed FEDLOAN AND PHEAA about their violation of Section 34 CFR 685.221 ( b ) ( 4 ), and they have not denied violating the regulation, so I am filing this complaint with CFPB in order to receive a reply from them, correction of my loan balance, and to promote awareness of unlawful capitalization so other borrowers are not victimized. 

On XX/XX/XXXX I emailed FedLoan Servicing and PHEAA about the unlawful capitalization of interest on my loans in XXXX. In XXXX I ACCIDENTALLY missed the re-certification window for my income-driven repayment plan with FedLoan Servicing. Section 34 CFR 685.221 ( b ) ( 4 ) doesn't require interest to be capitalized when a re-certification window is ACCIDENTALLY missed. In fact ( b ) 4 ) says interest is capitalized per ( b ) ( 3 ) only when the borrower " CHOOSES '' to leave IBR plan or the partial financial hardship is over. I met neither of these conditions. Accidentally missing a deadline is not a CHOICE and the financial hardship I had still continues. 

In accordance with Section 34 CFR 685.221 ( b ) ( 4 ), I am requesting that the unlawful interest capitalization in XXXX be reversed immediately and my principal and interest balance corrected as if the interest had never been capitalized. If this is not corrected I will sue in federal court to force compliance with 34 CFR 685.221 ( b ) ( 4 ) and also consider a class action for other borrowers who have had their interest unlawfully capitalized. Furthermore, I will seek reimbursement for attorney fees and case costs. I will also write to several papers to promote awareness of the story and FedLoan 's unlawful actions. The unlawful capitalization also forced me to enroll in the REPAYE program in XX/XX/XXXX, which caused interest to capitalize again. I would not have done that had XXXX 's capitalization never happened. 

I am also requesting FedLoan to return my {$60000.00} paid in XX/XX/XXXX. I would not have paid that money if the interest had never been unlawfully capitalized. I need that money to live now. My income has suffered due to the pandemic. I have had to borrow {$11000.00} from family just to stay afloat. 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a co-signer on my daughter XXXX XXXX loans which were funded on XX/XX/XXXX and XX/XX/XXXX respectively {>= $1,000,000} each loan. I have made all the payments monthly and on time. Just the last 2 years, XXXX and XXXX ( I added it up in my banking history ), I have paid {$15000.00} total to Navient to service the loans. 
( just the last 2 years, and XXXX is not a complete year ). 

The payoff on loan XX/XX/XXXX funded is {$19000.00} unpaid principal {$18000.00} The payoff on loan XX/XX/XXXX funded is {$21000.00} unpaid principal {$21000.00} How is this possible? I have asked them for information and also consideration because my daughter is a veteran, I have in previous years paid more than I have the last XXXX ( XXXX and XXXX ). 

Navient isn't applying funds to help us instead I just keep paying interest. It can't possibly be the amounts left, me having paid over $ XXXX or more ( just using the last 2 years as an example ) on each loan over the life of the loans so far. 

Help please? 

Co-signer mom of a daughter who is a veteran ( XXXX ) FYI. The loans use to be with XXXX and then Navient took them over from XXXX. 
These balances can not be correct. Impossible. And I don't have access to all the history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX OF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX FIN XXXX Balance Owed : {$680.00} XXXX FIN XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$52.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CAR XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 2020-07-19
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: Investigation took more than 30 days

Complaint:
I initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to XXXX XXXX services. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to XXXX XXXX XXXX. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported 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 2020-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I paid my Capital One credit card in full on XX/XX/2020. Capital One is still reporting to all the credit bureaus ( XXXX, XXXX  and XXXX  ) as a  delinquent account. This information is falsified and discriminatory. 

I've sent letters to Capital One about this issue, called them and I have filed a dispute, yet no changes. 

Why am I as a consumer/customer being defamed and made to look like I'm still delinquent. Is this because I can face long lasting disparities as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a purchase for an international transfer with Worldremit.com Transaction # XXXX for the amount {$5000.00}. I never recieved my funds. XX/XX/2020 is when I sent the International transfer abroad. Still have not seen my money until this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check in the amount of {$5200.00} ; I asked when the check will clear and was told by the teller funds would be available on XX/XX/XXXX @ XXXX. I received an email on XX/XX/XXXX stating that funds wouldn't be available until XX/XX/XXXX. I called customer service ( 3 ) times requesting the hold on the funds be released ; the first person responded with a wise statement, " maybe you should use direct deposit next time. '' The next representative made a XXXX available for me ; he refused to release the funds due to the clearinghouse needing more time. He also insinuated that the check might have been tampered with, and/or activity in my checking account was usual as reasons why the funds were on hold.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 : XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been disputed the accuracy and verification of a bankruptcy listed on my credit reports for over a year. The outcome always states that it has been verified either by the courts, or XXXX XXXX. I received a letter from the court stating that they do not verify Bankruptcies, and XXXX XXXX has been frozen since XX/XX/2023, and I submitted my disputes in XX/XX/2023. 

I also received emails to verify my identity in order to stall my dispute... However on XX/XX/2023 when I mailed off my disputes I included my lease and My Drivers License. That would mean that they never even looked at my letters and completed a proper and fair investigation. 

In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section XXXX02 A States I have a 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. Public Record XXXX XXXX XXXX - XXXX XXXX. XXXX. XXXX Has violated my rights.

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 2020-07-19
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My dispute results came back from transunion dated on XXXX XXXX. I received a letter from innovative recovery dated on XXXX XXXX stating that a balanced owed from XX/XX/2014 and i had 30 days to disputed this debt. So following the letter i received. i sent a response with a validation letter, requesting all information about this debt before the 30 day window is up. In response from innovative recovery i received a packet dated on XXXX XXXX. Clearly the packet only included a lease and some invalid paper thats inaccurate with the wrong amount that is not shown on my credit report and the incomplete name of the alleged original creditor.. Nothing was validated in response to the things i asked for in the validation letter i sent to innovative recovery.. And they are violating my consumers rights. Because they continue reporting to the credit agencies, and never validated a debt. Which im the consumer is entitled to ask for validation and they fail to comply with the request. XXXX  also recieved copies of the validation letter stating that the debt be removed off of my credit report, because innovative recovery fail to validate my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Texas and XXXX XXXX both indicated that all three credit bureaus were notified that the {$500.00} debt that they had attributed to me was in error. While XXXX XXXX had no problem removing the error, and XXXX  had never attributed it to me, Equifax has continuously refused to remove it. I sent Equifax a letter on XX/XX/2020 asking them to remove the error and enclosed copies of the letters from both XXXX and the XXXX XXXX XXXX XXXX Texas which clearly indicated that the debt is not mine. On XX/XX/2020 they sent me a letter stating that they had researched the debt and that it was being reported correctly as a Paid Charge Off with a XXXX  balance. This is simply not the case but they have refused to delete the debt as the correspondence from XXXX and the XXXX XXXX XXXX of Texas indicated.

Company response to consumer: Closed with explanation