BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: LA
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 already my 2nd attempt to fix this issue with your company. I already informed you that my Identity got stolen I a a victim of Identity theft and I have no knowledge of whoever that could be. I am submitting my ID, FTC report and Identity theft affidavit to prove my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit was stolen 5 years ago and I have been working with credit card companies to have the debt removed. Capital One Bank will not contact me to investigate the application fraud that resulted in the {$11000.00} of fraudulent charges that has been negatively impacting my credit report. I have been working with XXXX  each month to get this fraudulent activity removed from my credit report. I have filed a police report, Identity Theft Report and a US Post Office Identity theft report because my mail has been stolen for the last 5 years. I shared these documents with XXXX  and they have shared these with Capital One Bank as well as I have reached out XXXX  multiple times encouraging a investigation to prove that I did not open an account with them and I should not be held liability for these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX of 2007 I purchased a vehicle which I financed with Chrysler financial. the federal fair credit reporting act says that the consumer reporting agency\must remove all derogatory items after XXXX years. this negative item should be removed from my credit report asap. I payed XXXX for XXXX months which amounts to XXXX, the vehicle was sold for XXXX which was a total of XXXX. this should immediately be removed from my credit report. it is the responsibility of both the credit reporting agency and the business to remove this from my credit in a timly manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have already made a complaint against this company. The name is Receivables Performance Management. I made a complaint in regard to FDCPA violation on XX/XX/2021 ( complaint ID : XXXX ). On that day i also requested that the DO NOT call XXXX. They continually try to get me to disclose personal information to them but refuse to tell me who they are calling on behalf of. I will not disclose ANYTHING about myself until they disclose the creditor in which they care calling on behalf of, which they must do because i do not have any business with any companies by the name of Receivables Performance Management. They have continued to call my phone number multiple times after XX/XX/2021 when i requested them to stop. They called the following dates and times from different numbers : XX/XX/2021 - XXXX - time : XXXX XX/XX/2021 - XXXX - time : XXXX XX/XX/2021 - XXXX - time : XXXX Today i called the XXXX number and requested for a second time to stop calling my phone number and again the woman who answer tried to get me to disclose who i was but would not tell me who they were calling on behalf of. As per FDCPA i am entitled to know who the debt collectors are calling on behalf of before i disclose ANY information including identifying myself.

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 2023-05-01
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient is the loan servicer. I have repeatedly informed them of their daily multiple annoying calls using several different numbers. They have continued to call when the account is up to date and next payment is not due for a few weeks. I have asked them to communicate with me via email only and they stated I had to go their cease and desist procedure which is supposed to be on their website, however, I never found it. They call me all day a minimum of 6 or more times every day for a payment that is less than {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} and XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.

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 2015-08-25
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
contacted thru e-mail and thru text. title of the email and text was- repossion of your XXXX. They ran a payment thru unauthorized after i was e-mailed telling me that the payment that I had set up was deleted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX  XXXX {$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 explanation
Consumer complaint received 2022-09-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I have filed serval police reports regarding this matter. I have certified mailed my police reports and requests directly to the creditor, the collection agency and to the credit bureaus asking for answers and help. The original creditor is XXXX XXXX XXXX  and the collection agency is LVNV Funding LLC. I have no knowledge of these accounts. This is hindering my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
this company use to be castle payday loans now it is Big Picture Loan. They do not tell you how much interest til you are approval for the loan in documents. Did not read the fine print. Interest for XXXX for the first XXXX payments XXXX is interest does not go toward the loan at all. the payments are differentXXXX is the finance charge and when loan is pay off it will cost be {$8000.00}. They never talk to you on the phone. approval over the internet. what can I do? I already have pay XXXX payments of {$310.00}. I got scammed and I do not want more people to be effect with this company when you really need money should be a easier way and not cost fortune.HELP!!! loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Bank of America shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmful action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX {$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 explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NV
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:
This letter is a formal complaint that you are reporting inaccurate credit information. 
I need you to verify, through the physical verification of the original signed consumer contract, this account that you posted on my credit report.I demand to see verifiable proof an original consumer contract with my signature on it, that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Account number : XXXX Please supply information on how you have verified this item. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information.3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.Please forward an updated credit report to me after you have completed your investigation and corrections

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 2022-09-12
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hi, On XX/XX/26, Ive requested through through phone call a refund on my student loan payments that Ive made during the pandemic forbearance period. I had also requested a refund through email earlier in the month, but I was not receiving a response, hence I requested through phone call as well despite long hold times. I havent received a form of confirmation of refund request through email, letter or account messaging. I was also never given the payment amount that would be reinstated through the refund nor reasoning as to why the request for refund would take more than 150 days to send to XXXX when other institutions do it within a week, which is the most concerning. It appears they have also not processed requests from others that were submitted nearly 6 months ago with no explanation as to why. With no confirmation number and no explanation or insight into processing times, processing steps, and no payment history amount confirmed for the refund, along with the all of the above, I am concerned about the current practices with EdFinancial and how they are handling my federal student loan balance and if they have genuinely submitted my refund request of my forbearance payments. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
First the information on the account is correct. I paid before all the late charges however it must have processed on the next day. Second, We received a response to the complaint that XXXX XXXX reports the same information to all the credit bureaus. If that's correct, how do all the bureaus have different information. This process has been emotionally and physically draining. I hope that this will resolve the situation. I've submitted supporting documents to show the various inconsistencies by the different bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My original complaint to CFPB was in opposition to Transunions score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX.. I recently checked my FICO due to an alert from XXXX and my credit score has been dropped to XXXX without incidence or contact from Transunion or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold XXXX was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my XXXX account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to XXXX : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX XXXX  targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
These agencies have dinged my credit twice this year, once in XXXX ( XXXX  XXXX XXXX account closed ) by 11 points and again last month 6 ( credit card balance {$160.00} ). I have access to {$15000.00} in credit and pay off balances each month, how the XXXX can they justify lowering my credit 6 points just because of a balance increase, it was paid off entirely as always. Same month my mortgage was paid, but I never get a credit for that. XXXX  XXXX XXXX confirmed that my account had not been closed but the 11 points never came back on my score. They are all crooks, I would not be surprised if the banks were in on it.

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 2020-04-03
Company: EQUIFAX, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$220.00} XXXX  XXXX {$870.00} XXXX XXXX   XXXX {$970.00} XXXX XXXX   XXXX {$530.00} XXXX XXXX   XXXX {$820.00} XXXX/XXXX   XXXX {$530.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX   XXXX {$940.00} XXXX  XXXX XXXX {$430.00} XXXX/XXXX   XXXX {$820.00} XXXX/XXXX   XXXX {$530.00} XXXX   XXXX {$970.00} XXXX   XXXX {$820.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMIISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation