BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-18
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been contacted recently by a debt collector who has threatened to garnish my wages if I do not pay a debt. 

The account was closed in XX/XX/XXXX, and the statute of limitations on collection would have run out in XX/XX/XXXX. I was told " If I do n't start paying immediately, we will garnish your wages. '' This debt is past its statute of limitations, and I 'm being called at work and threatened for a 6 year old debt. 

The amount of the debt has also almost doubled from the amount of when the account was closed, from {$3700.00} to now a reported {$5300.00}. 

I ca n't afford to shrug off over {$5000.00} and they are not allowed to garnish my wages for this old of a debt, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I recently applied for XXXX seperate things PSLF and the REPAYE program. I was told that I was not eligible for the public service forgiveness and it was like they never received my REPAYE application. Based on where I work, a XXXX helping veterans, it was told to me that I was eligible. I am a little confused on that. As far as the REPAYE issue, I have applied for it twice. I have heard nothing back, and they just placed me in the standard income driven plan. Please look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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 my other 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA 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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 several 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, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$73.00}

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
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived in the state of XXXX. I have only been a resident in the state of XXXX and the state of XXXX. The information on my credit report is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-22
Company: VW Credit
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have n't received a statement of my account with Volkswagen Credit since XX/XX/XXXX. When I reached out to them online, I received the response below. It appears that because I overpay every month, they think it is n't necessary for them to issue a statement. I have no way of having a monthly record of my payments or knowing my current balance on the loan without a statement. I believe this violates some statute or regulation, since I receive statements on all of my accounts which I overpay. Here is my message to them and their response ( their response is first, my original is below ) : Response on XX/XX/XXXX XXXX CST : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction. 

Thank you for your inquiry. We apologize for the delay in response and appreciate your patience. 

Thank you for your always timely payments! We appreciate your excellent payment history! 

Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. Our records indicate that your account is currently paid in full through XX/XX/2017. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone. 

If you would like us to create and send you manual billing statements, please provide us with the method you would like to receive them ( mail/fax/upload to online account ) and the months that you would like these statements for. 

If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX, XXXX, XXXX. Eastern. 

Sincerely, Volkswagen Credit Customer Care Original Inquiry on XX/XX/XXXX XXXX CST : Why do I not show any statements on this account since XXXX? I 've been making payments, and would like to have statements for every month. Why would those have stopped? Please provide me with all of my statements since XX/XX/XXXX. Thank you. 
Your Follow-up :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA 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 2015-05-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received communication from a company called XXXX XXXX ( XXXX ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned XXXX inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent XXXX a certified letter ( XXXX XXXX XXXX XXXX XXXX ) requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have once again sent XXXX another letter, this time certified return receipt ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however XXXX still has not validated this account, and refuses to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2020-01-19
Company: JPMORGAN CHASE & CO.
State: MN
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:
I was a victim of identity theft and have unauthorized charges on the account. I wrote to the CC company five times formally requesting records of the charges so I could identify the unauthorized fraudulent charges. When I made the same request to two other CC companies they complied and we resolved this issue, but this third CC company continues to ignore my legitimate requests

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unathorized credit inquiry 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 2022-10-29
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2017-01-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I co signed XXXX loans for my son years ago with XXXX XXXX now Navient and we have had nothing but trouble from them. At first he would pay his loans on time then fell behind and would pay late but would pay. Anytime I would reply to letters/bills from them asking for help from them it was always 3 options and 3 only. One was that they would reduce the amount owed if he would pay them off ( If he could do that he would have no trouble making payments ) or call to go over his options etc but they offered no real help. We got a call from one woman, who said she was a supervisor and wanted to resolve this and help him out. She explained that " if he would make a {$90.00} payment today, it would bring his XXXX loans current and this would be his new payment. ME : Is this per loan or combined? NAVIENT : This is combined. ME : So {$90.00} dollars is his new payment total for both loans? NAVIENT : Correct. ME : So he will no longer be behind, his accounts will be current and you do what? Tack what he was behind on to the end of the loans and he starts fresh? NAVIENT : Yes. '' WRONG! WRONG! WRONG! This became a " NEW '' loan to which neither of us knew we were opening or agreeing to!! We found this out when they withdrew ( or attempted to ) the {$90.00} and his normal monthly payments from his bank accounts! When I called to speak with the woman ( whose name and info I literally threw out months ago ) I was told " Oh she no longer works here ''. Right. XXXX XXXX XXXX, I got a call from a law firm that I hired to pay off debt I had incurred supporting my mother and my son and his wife while they were in school. They told me to call them regarding my account. My debt was paid off and my account closed in XXXX XXXX. The law firm would n't give them any info and even asked why they were asking about an account with them and Navient said " Oh someone told us ''. They were never even listed in my debt repayment. I thought this was illegal. I asked my son if he mentioned anything to Navient and he said no. These people are crooks who lie cheat and steal. I am a widow on a fixed income for XXXX and can not afford to pay these loans ( I was able at the time I signed and did make some ). I have no pension no nothing left. I pray you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone fraudulently used my debit card. I tried to call Bank of America to report it but after waiting on hold for 30 minutes ... ... .... I hung up. I called back and talked with a customer Rep and she apologized but told me that there were long wait or hold times on the phone to report fraud for a debit card. If it had been a credit card then I could file the fraud complaint online. But could not file a complaint for a debit card. If someone has my card number and is charging fraudulent charges, it can be used just like a credit card. Except they are going through real liquid cash! This needs to changed ASAP.

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 2015-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally submitted complaint : XXXX. Basically, I thought the income difference between what I reported and what BofA reported was a result of the settlement with XXXX XXXX. In BofA 's response to this complaint, they sent the attached letter clearly showing it was a result of a foreclosure sale on the property on XX/XX/XXXX. My concern is that I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and declared this property in the case. On XX/XX/XXXX I was successfully discharged. 

There are NO tax consequences for debts discharged in bankruptcy. So should NOT be taxed on what they did n't get at the foreclosure sale. The bankruptcy protects me from that tax. Here 's the link to the XXXX website that says that. XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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: Public record information inaccurate

Complaint:
I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Dates : 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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was contacted by a collection agency about a credit card that I did not know existed. After speaking to them they agreed to turn the debt back to Bank of America as a possible fraud situation. I contacted B of A 3 times by letter explaining that I did not live at the billing address and had n't since XXXX. It appears that my ex wife was using the card, I asked for a copy of the card application and the charges, I also gave them my correct address. This started in XXXX, to date there has been only XXXX response which states that they changed my address in XXXX XXXX. In the mean time they charged off the debt and sent me a XXXX this year for over {$10000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!

Company response to consumer: Closed with explanation