BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: FIRSTBANK
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX-XXXX-2017 I went into First Bank at XXXX and XXXX XXXX XXXX, XXXX, CO XXXX to initiate a wire transfer to a supplier in XXXX that I have been using for over 4 years. As you can see on the form attached that my supplier is located in XXXX and the beneficiary bank address is in the XXXX. I did not notice this. This threw up no red flags for this branch or the wire transfer department that it might be suspicious and it should have. I was not asked about this. 

I did get a confirmation via email from my supplier account rep once the transfer took place saying they recieved the transfer and I thought all was well and the order would proceed. Following up on my order last week and finding out last Saturday the XXXX they have no record of the transfe so I forwarded their emailed response from the day after the transfer saying that they said they got it. They got back to me today that their email had been compromised and all wire transfer information including accounts and address had been changed on the wire instructions used to send the transfer. Calling first bank today they did a trace on the funds and the funds are now gone from a closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-09-10
Company: CarMax, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was sold a lemon that XXXX could not and would not fix. 
1- severe battery drain from computer ( causes failure to start if sitting ) 2- fuel tank pressure problems ( no gas cap and solenoid, etc. ) I offered to the scum that sold me to give it back and he openly refused af thx giving disaster outside of crossville trying to change a tire. I know how to change a tire.I had a spare. what I did not have was the custom tools for the custom nuts that were installed wo my permission when I was sold the car. I did ot ask for these modifications and they cost me over 200 extra to replace the tire. I was not compensated. XXXX in XXXX XXXX outside XXXX can confirm multiple visits for the lemon issues. They could not fix it. 

they took the car back but when I confronted XXXX and carmax about this they remain silent. My XXXX deposit has not been returned to me and they have been served multiple times. continue to want to collect a debt not owed. was forced into buying gap because they sell underwater cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: MO
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX  {$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 2022-01-18
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found out someone opened a credit card account with the company in question in my name and called to close the account in 2019. I filed an identity theft report as they had also opened a XXXX XXXX card in my name, with my FTC Report Number being XXXX. XXXX XXXX closed the account immediately and removed it from my account. Indigo, however, closed the account by did not remove it from my credit report. 

Recently, I checked my credit report again, only to discover this account was closed but still reporting late payments. When I was able to gain access to an online account, I learned that not only were the statements going to an address in Virginia I've never lived, but the phone number and other important information was also incorrect. I have lived at the address starting in XXXX in New York since 2019 and the address starting in XXXX New York my whole life before that. I have never lived out of state or even out of my hometown. 

Indigo argues that they used my social security number and birthday to sign up for the account, which of course they did. That's what happens when someone steals your identity. They also claim they sent information to my address, but they either sent it to a wrong address ( if it was an address beginning in anything but XXXX or XXXX ) or it was stolen from my mailbox, hence was I initially reported it stolen and closed my account. They claim they've sent an affidavit of identity theft, but if they sent it to the address they had on file, they've sent it to someplace in Virginia I have never lived. If they check my credit report, they'll notice that they're the only ones reporting it as my address, as I've never lived there. 

So in summation, Indigo did not get my address, phone number, or anything else correct but issued a card to someone and, despite being alerted it's fraud, is negatively reporting on my credit report, sending important communication to the thief 's address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX is a loan that has been reporting since XX/XX/XXXX. California Statute of Limitations is 4 years and its still reporting. Experian refuses to remove 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 2018-10-25
Company: Experian Information Solutions 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX Experian : XXXX. XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX:XXXX Experian : XXXX   XXXX : XXXX, XXXX  XXXX : XXXX   Experian : XXXX XXXX XXXX : XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX  XXXX  : XXXX , XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX , XXXX XXXX:XXXX Experian : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   XXXX  : XXXX , XXXX XXXX XXXX : XXXX Experian : 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 2018-10-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 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   FINAL BILL XXXX : XXXX XXXX Equifax:XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX   XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax improperly secured millions of sensitive and private information, including mine. Equifax waited too long to report the hack to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient services both my private and federal loans and make no attempt to actually help me. I have to put my loan on hold because Navient denied my application for income based repayment even though my wife lost her job last year and has yet to get a job. Navient, however, continues to collect principle/interest even though I make some form of payments. Additionally, Navient can not produce loan documents since these documents were lost that I even have a loan. Navient also uses tactics such as lost documents, delayed approval of income or forbearance applications. One tactic in general is Navient will not allow you to apply for multiple programs once you enter a deferment. In other words and as an example, my wife lost her job last year, I can not afford the payments, yet I was denied an income based loan three days after I started collecting principle on a defaulted loan. Navient had my application 3 months prior to the income based renewal, they said they lost the paper work, Really, its digital ; how can you loose that? I also feel I was lied to by XXXX on the degree I received, which by the way is also involved in class action lawsuits based on predator loans and false promises. I respect I am contractually bond to my XXXX/Navient loan, however, when this degree and loan is based on a lie and Navient makes no attempt to do the right thing and help borrowers. Then this loan/contract is null because Navient exploits the loan and the borrowers. How can the Government or CFPB allow Navient to compound interest and principle while harassing thee borrower and not helping the borrowers when he or she can not make the payments due to life changing events? My loans have doubled because of tactics Navient is accused of and Navient cant even produce a copy of my loans. 
At this point I either have to fully default or hire an attorney because Navient only wants to take advantage of borrowers rather then help them using thee same tactics as XXXX XXXX XXXX with home loans. 
Finally, Navient has 7 personal lawsuits related to this complaint along with a class action lawsuits, one from cfpb I believe. I am asking the public, cfpb and anyone else reading this complaint that I am fully willing to join any private or class action lawsuit and to contact me at XXXXXXXXXXXX Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has contracted with several debt collection companies. Each of these debt collection companies are contacting me for the same debt. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request each of these companies to stop contacting me. I also request to delete these entires from my credit report as the are in efforts to bully me with the same debt. The same debt is listed numerous times on my credit report with different credit bureaus. The companies are operating under Several different names, hence its difficult to determine who I 'm actually dealing with.

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 2022-06-17
Company: EQUIFAX, INC.
State: CA
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 i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Chime Financial Inc
State: GA
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:
Chime Bank is falsely closing your debit card after reporting a possible unidentified charge to them. For instance : I didn't recognized a charge to my account and wasn't sure if it was authorized. So, I reached out to Chime to report the charge, however during the conversation, I decided I would do research on the charge and call them back if needed. The reason being is because Chime disables your account when waiting for a new card. You are unable to use your funds unless you can transfer your money to someone with Chime. They do not overnight the card, so it takes anywhere from 5-7 days because of standard mailing. During this time you are without your funds with no access. Based on these reasons, I requested my debit card not to be closed and TO NOT DISPUTE THE CHARGE. Two hours later, I received a email stating that my card has been disable due to a dispute claim that I DID NOT FILE. Now I will not have access to my funds at ALL, this policy is illegal. I am asking that a representative look into this DISPUTE POLICY of CHIME for correction. There is many complaints of the same issue listed on the XXXX  of XXXX XXXX, however that are not a member of the XXXX. I will be changing from doing business with them but felt it was important to report this to prevent them from continuing this unfair practice. Even, if you tell them " NO '' they are still closing your debit card and keeping your money from you for several days or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
I like many others was a possible victim of the cyber attack on Equifax that has been recently reported on. However, instead of being able to tell me whether my identity has been compromised they vaguely stated that I may have been subject to the hack. They then gave me an enrollment date for a monitoring program at their affiliate. They want me to follow up on their mistake and sign up for a program that will only mitigate the risk of fraud for the first year at no cost. Essentially they are using this error to get more business for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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:
I have been having a hard time getting XXXX to remove this fraudulent account. Not only that it is in accurate. The dates on XXXX and Equifax are different, all reporting credit Bureau 's must be accurate on all bureaus. XXXX reads high amount {$1800.00} Equifax reads high amount {$2500.00}. In Accordance with Fair Credit Act XXXX XXXX acct # XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 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 consent. I did not sign any documents ; I was never provided any documents showing my signature, or anything from dispute results with XXXX XXXX dispute. Credit bureaus provided no documentation showing how they validated the accounts. Without documents anyone could have open these accounts. That is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in 2004, I was offered a " Line of Credit '', loan that I did n't request from Washington Mutual Bank. The notary person who came to my home " STATED ', this was n't an " Interest Only Loan. We were told it was a fully amortized loan for a {$100000.00}. I presently own them {$64000.00}. Later on, we call the bank to see if they could correct this problem time and time again. To this date, we have paid into this loan about {$38000.00} in payment to see the principal balance stay the same at {$66000.00}. I contact an attorney this year to see what can do about this problem and was nothing, just refinance that mortgage but I 'm losing all those payments for years on time.Chase Bank refused to do anything to correct this mistake, I been to the branch, on the phone with customer service and get the runaround. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have written and spoken with XXXX, XXXX, and XXXX several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, XXXX removed the bankrupcy but put it back on and XXXX and Experian did n't budge has refused to budge and continues to report this on my file.

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