BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: FL
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:
I am  XXXX   XXXX   XXXX  and on Social Security with an additional, small income to pay bills. I have a student loan from my son that I paid for many years until I was not able to keep up the payments, around  XXXX . Last year I followed up with   XXXX   and was able to rehab the loan fo r nine month s. I was shocked to see that what was originally a $  XXXX  loan become a $  XXXX  loan. After the rehab I was assigned to Navient. That was in   XXXX   XXXX   XXXX  . At that time the loan was deferred till   XXXX   XXXX   and I was told I could apply for income-based payments, as their initial payment structure was {$450.00} a month, well out of my budget. I completed the paperwork but received no response. I contacted them again, again with great difficulty, and I was told nothing had changed, I was not approved for  IBP an d I was not notified. If I had n't been stubborn enough to keep calling I would n't have known. I was then told I would receive an email with paperwork to reapply for IBP. I have not received it, nor have I been contacted. I logged in to my account and the loan is now at $  XXXX  and the scheduled payment is for   XXXX  .     I have paid off my ow n undergrad and g raduate loans in a timely fashion in the past, as well as loans and tuitions for  XXXX  of my sons. I have been making a loan payment to  XXXX   XXXX  for probably  eight or ten y ears and currently still paying {$100.00} a month to them. I 'm not a deadbeat. But from  XXXX  to  XXXX  and now  Navient ha s brought me face to face with the ugly scam that is student loan servicing. I would be satisfied to make a reasonable payment each month at a reasonable interest rate to remove this issue from my credit and make it possible to pay my other bills. But I ca n't seem to find anyone who will deal with me honestly and straightforwardly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was given a bill of {$250.00} on XX/XX/2021, for a network provider called XXXX XXXX XXXX I do not recall signing up with. i believe my identity was stolen and the bill was incurred. I have been going through recent hardships and at the same time recieve consistent phone calls from a debt collector called Sunrise credit service over the bills.

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 2022-05-01
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used the XXXXXXXX XXXX feature with Chime ( XXXXXXXX XXXX  ) on Thursday XX/XX/2022 and tried sending money to my sister in law for rent, it was in the amount of {$650.00}. I did this in the month of XXXX as well. As normal I put her name in the search button it populated and I sent her the money. The money was automatically deducted from my account but it never went to my sister in law. It went to a gentleman named XXXX XXXX who I do not know at all. Some how his chime tag got on my sisters in laws name. With in 3 minutes of the transaction I called chime to dispute the transaction as I do not know the person that received the money and it took less than XXXX hours for them to tell me the dispute was closed as they did not find any evidence of wrong doing. I then called them again and they said I would have to send more evidence to reopen the dispute. I sent them screen shots of my sister in laws name as I input in the search bar and a screenshot of when I put the amount I was sending her which still showed her name. With in less then XXXX hours they told me it still was not enough evidence. Now this person who I dont know XXXX XXXX has my money and Chime will not return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-15
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2019 I took out several loans from Speedycash over the span of multiple months and paid them all back except for one. I had this company call me numerous times which I no longer have the log of since I ended up blocking the number. They have called and threatened legal action against me which is actually illegal. 

The debt was then sent to Ad Astra Recovery services and for almost three years now Ive been trying to contact both companies in regards to the debt and how I can settle it. No answer. They tell me to call different numbers but I rather have it in writing or email for legal purposes which they refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
Just pulled update and dont understand why I see this negative information. I already sent few rounds of complaint about these accounts already. I believe that someone have my personal information and applied for 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 non-monetary relief
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-12-15
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute the debt of {$2300.00} from Allstate Credit Bureau from my credit report. This is not my debt. I have attempted to contact the agency and was unsuccessful. This debt does not belong to me and I want it removed from my credit report immediately before pursuing any further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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 would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Radius Global Solutions LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned a leased vehicle to  XXXX  on   XXXX  , before the lease through  XXXX   XXXX   XXXX  matured on   XXXX  . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On   XXXX   a check was issued and mailed to my correct address from  XXXX   XXXX   XXXX  for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either  XXXX   XXXX   XXXX  or  XXXX   XXXX   XXXX   XXXX  for all of  XXXX . On  X/XX/XXXX , I received a letter in the mail ( dated   XXXX   ) from  Central Credit Services, LLC ( a debt collector ) wh ich said I owe {$1500.00} to  XXXX   XXXX   XXXX   XXXX  and said " your leased vehicle was returned and your account balance  may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above the allowed by your lease agreement ''.    I contacted both  XXXX   XXXX   XXXX  and  Central Credit Services an d inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from  XXXX   XXXX   XXXX  for satisfactory completion of the lease. A  XXXX   XXXX   XXXX  representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  Central Credit Services  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay. When I challenged further the representative said she would mail me pictures of the damage on the vehicle ( of which I know there was none ). The pictures I received in the mail were approxima tely 1 inch x 1 inch s canned. Absolutely nothing can be seen in the pictures. You can not even tell what you are looking at.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.

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 2021-04-22
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-12-15
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible. 
Account name- XXXX Account name- XXXX XXXX XXXX  Account name 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 2021-06-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NV
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:
Sunwest mgt is reporting late payment while under VA FORBEARANCE DURING covid CARES act which forbids derogatory information being submitted to a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: CO
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 filed a dispute with unauthorized, fraudulent inquiries and multiple inquires and they refused to respond to this and remove them.

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 2017-04-21
Company: Comerica
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My ex boyfriend threatened me with a knife and went to jail on  XXXX / XXXX /  XXXX  . He then proceeded with the help of his niece to make  XXXX  fraudulent charges to my  XXXX   XXXX   XXXX  debit card.  XXXX  charge was for  XXXX  to  XXXX  on  XXXX , the second charge was for #  XXXX  to  XXXX  on  XXXX . I opened a dispute and they are claiming I am the one who made these charges when I did NOT. I asked in writing for the dispute to be reopened and I want the money refunded to my debit card asap.  XXXX  all of my information and stole it. This is identity fraud/theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights 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 non-monetary relief
Consumer complaint received 2018-07-30
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 united west collections contacted me and was very angry that I made a complaint w cfpb.

I was yelled out I was told incorrect things I continued to tell the male rep that I never received information about this debt. That by law I should have been given a letter detailing this debt before it was put on my credit report.

He insisted some computer generated 3rd party agency sent the original letter BUT he had no date or postal verification Stop this company from harassing me, stop them from not following the law, and remove his erroneous collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-15
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible. 
Account name- XXXX Account name- XXXX XXXX XXXX Account name 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 2017-04-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was died of  XXXX  orange and we pay our bills even after he died. I have a Problem with  Chase  and  XXXX  because I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from Equifax,  XXXX , and  XXXX . I have the files where I sent information. They sent  XXXX  of pages of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  Chase  also that I did not open up.  XXXX , I am retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX     and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had Chase card with my husband over  XXXX  or 30 years ago and never was late. I had  XXXX  and  XXXX   XXXX  cards and never was late either. Please investigate for me.  Chase  sent over one hundereds of papers with statements and none with my signature on it.  XXXX  said I transferred money to a Chase account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.

Company response to consumer: Closed with explanation