BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I think Transunion is doing illegal activity with my credit report, I now have 5 inquiries that I never authorized. 2 of those inquiries are brand new & showed up on my report today making this message. The customer service has been down online, they, have had the dispute option on the website back and forth behind a pay wall, but now it doesnt function at all. and phone agents have been hanging up on me, one supervisor XXXX did and I didnt remember the other 2 women who did but they were also supervisors they try to hang up on me now when I try to resolve the problem now because I initially been calling for about 2months, Im almost about to find legal action because the hard inquiries just got my recent loan application denied because of the neglect. My score has been severely damaged, and I notified each institution for request of a removals. Transunion is the only company that has been giving me a hard time. Here are the inquiries I did not authorize and need removed below and the dates XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/202XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX Bank XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Bank ) XX/XX/2021 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 2021-12-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NATIONAL CREDIT SYSTEM CONTINUOUSLY REPORT A DEBT COLLECTION OF {$2700.00} I HAVE BEEN TOLD SEVERAL TIMES BY EACH CREDIT AGENCY THAT ITS NOT ON MY CREDIT THEN WHEN I APPLY FOR LEASING IM BEING BECAUSE OF A DEBT I HAVE NO VALIDATION OF!!! WHEN I CONTACT THE NATIONAL CREDIT SYSTEM THE REP XXXX WAS VERY NASTY AND UNPROFESSIONAL & CLAIM SHE WAS GOING TO EMAIL ME THE DEBT!!! THIS IS EFFECTING MY LIVELIHOOD & HARM TO MY CREDIT PROFILE!!! ASKED IF THERE WAS A SETTLEMENT OFFER DUE TO PANDEMIC & WAS TOLD BECAUSE OF ORIGINAL DEBTOR ISNT OFFERED BUT AGAIN THERE IS NO PROOF THIS IS MY DEBT!! THIS CREDIT AGENCY REPORT INACCURATE INFORMATION ALL THE TIME AND SEVERAL INVESTIGATIONS AND FINDINGS FOR INACCURATE INFO BEING REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, I received a notification that a hard inquiry had been added to my Equifax credit report. Upon checking the origin of the inquiry, it was noted that XXXX XXXX ( Telephone Companies ) was the creditor making such inquiry. I not authorize an inquiry to my credit report, I have not in the past or in the present, had any association of services with XXXX, nor have I made any inqiuiries for their services, been contacted by any representative of XXXX or received any solicitations for their services. I immediately filed an on-line dispute with Equifax and received an error message to contact them regarding the results of their investigation. Equifax did place a fraud alert on my report that is to flow across to the other credit reporting agencies, but noted I would need to contact XXXX to have the inquiry removed from my report since only the creditor could authorize it's removal.. 

I've spent the better part of 3 days making numerous phone calls to XXXX in an attempt to speak with someon who could direct or assist. me to the proper deopartment and authorize removal of this inquiry. Dozens of calls to several of XXXX ' published customer assistance phone numbers continually placed me in an electronic holding pattern, one time for ( 3 ) hours with a recording that all representatives were currently busy assisting other customers. Of the dozens of calls made, only twice did I finally get a live person ( one in the credit department and another in wireless services department ) neither of whom could assist me because it wasn't within the scope of their departments ability. Both suggested I contact the credit reporting agency and dispute the issue with them and request the inquiry be removed. Both provided a phone number to the Wireless Services Fraud Department that again, kept placing me on hold without answer. 

I've been repeatedly attempting to contact the XXXX XXXX Fraud department ( as directed ) at the phone number provided by the Customer Service Representatives only to go on hold for extensively long periods oftime. To this date, I still haven't spoken with anyone that can actually assist to correct this issue. 

As a consumer, I'm deeply concerned about the ease of which this fraudulent and unauthorized inquiry could be made to my credit report and correspondingly personal and private information. This is the second unauthorized, unsolicited inquiry made within two years. The same lack of assistance and remediation existed in that incident too. I'm concerned about the lack of responsibility and assistance I've been experiencing to remedy this matter, remove the hard inquiry from my report and prevent further potential issues against my reportable credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I wanted to pay off loan and Cashnet agreed. Instead of keeping the payoff agreement they refinanced the loan I was trying to payoff which caused higher payment more interest and they wouldnt resolve the matter by accepting the last payoff payment and continued to withtraw funds from my account without my approval. I had no choice but to close account and cancel debit card to kep them from going into my account and they continued to charge interest and wouldnt accept a payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had an XXXX XXXX card that was paid off in XXXX or XXXX, we lost paperwork in Hurricane Harvey last year. Anyway, this is the second paid off XXXX card from 8+ years ago that has been sold to some outside collection company, without any written notice. We do not owe this and we are upset that XXXX continues to try and sell off our old paid off debt, and furthermore beyond the statute of limitations. Our credit is clean, clear and good and we are in good standing with ALL of our creditors. Please stop them. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I helped my sister with her appartment by giving her my pay stubs cause she need a proof of income i never signed any lease or anything i explained this to the company hunter warfield and they sent me papers with a electronic signature which i never signed I told  them this is not me and it was forge documents and they still trying to get me to pay my sister debt

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: BANK OF THE WEST
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/2018 To Whom It May Concern : Good afternoon! We have an existing loan with Bank of the West. The loan is for an RV. We are having problems with the RV and the factory agreed to exchange it to a new one. The dealership sent in the paperworks on XX/XX/2018. The bank lost the paperworks and was re-submitted on XX/XX/2018. 

The banks deadline for this Exchange of Collateral is on XX/XX/2018. As of today, it is still not done. We have been calling twice a week for an update. Everytime we call, the bank would say its not completed and would send an email to the Collateral Department to expedite. Bank of the West said they received all the paperworks from the dealership Banning RV and the factory XXXX XXXX. 

Please help us to resolve this issue. Thank you very much. 

Sincerely, XXXX and 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 explanation
Consumer complaint received 2017-04-14
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XXXX and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received a certified letter in XX/XX/XXXX from Easy Money stating that I had 10 days to pay back XXXX XXXX XXXX if I did not pay them back in that amount of time they would turn it into the police and charge me. 
they are claiming that I cashed a XXXX XXXX check. I have never cashed a check there or even used that establishment before in my life. 
I know for a fact my ID has been stolen its been stolen since XXXX of this year. And I am arguing that I should not be charged with any fraud charges because it is Easy Money 's fault for cashing a check knowing the person cashing the check looked nothing like me on my ID card. 
I demand that they pull up the footage of that day on the security cameras because I can pretty much guarantee whoever walked in & used my ID to cash a bad check looks nothing like me and nothing like the picture on my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NJ
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 to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 1681c ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-04-14
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am currently going through a bankruptcy and I was told by my lawyer to have any debt collectors call them. I informed Navient on my federal and my private loans of this information back in XXXX 2016. They are now calling me harassing me for payment, they have also sent my private loan to the collection department. When I tell them that they are to contact my lawyer they now are telling me that there is nothing on file and that they are allowed to call me. I told them to pull the phone calls and go back in there records, they are refusing to do that and are still continuing to harass me. They are also contacting me by mail. I have ceased them from calling my cell phone and they are continuing to call me. When you received the default notice I called the Navient phone number on the notice and again gave them my lawyers information ; and they are still continuing to call and harass me for payment. They have violated the FDCPA several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I acknowledge that the following information is true and to the best of my knowledge. I also sent the following, as also will be attached, to Credit Collection services and via email to my agent, XXXX as will be attached. My bill was due on XXXX of every month. The latest bill was in the amount of {$390.00}. I paid the bill from my own bank account to safeco insurance. 
I was shocked that on my former bill, I was charged the amount of {$970.00}, which is almost triple my usual bill. Such date was XX/XX/2021. I went to check in with my agent XXXX, XXXX or XXXX unsure about her last name at XXXX XXXX XXXX which was on XX/XX/2021, she advised that she will take care of it in two days. When I called her back after two days on XX/XX/2021, she advised that she was unaware of the story and she fixed nothing. Thus, I told her to cancel the insurance all over. I called my XXXX  XXXX XXXX to get my money refunded and I was refunded of such. I called XXXX XXXX to inquire about the bill I recently received in the amount of {$1500.00}, they advised that they spoke with agent and that they will fix it and send me a bill reflecting {$0.00} in debt and that they will also reflect the cancellation date on the record which is on XXXX. I got shocked again that I received a bill indicating that the amount was sent to credit collection services. 
In XX/XX/2021, XXXX XXXX XXXX office called me and advised that they wanted to compensate me financially for all the money they took from me. They called me AFTER I texted my agent that I already paid what I need to pay and that I do not have to pay the additional {$150000.00}. The call also came AFTER I also texted my agent that I would file all incidents at FTC. 
I recorded the conversation which would prove that they know they took all what I am required to pay for the auto insurance. 
The XXXX XXXX XXXX ADMITTED that I paid it all when they said that they were ready to compensate me. 
I can submit all recordings above mentioned as well as additional proofs.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have not owed XXXX XXXX XXXX for any XXXX XXXX, but credit collector has continually harassing me and placed a debt of {$100.00} on my account after I have even told them have been cleared by XXXX It happened that I received an order of a cable modem from XXXX XXXX XXXX which was not ordered for by me, I only make phone inquiry about the service alone but the person I spoke with send to my address the modem through XXXX and immediately I saw this, I called XXXX and they asked me to send it back the next working day through the same courier and after 2 days I called again and it was confirmed received by them. And they told me severally that am cleared but credit collector keeps disturbing me on this and I have referred them time without number to seek clarification from XXXX XXXX XXXX but they did not. It unfortunate that this is still coming out on my credit report. Am frustrated and am developing XXXX XXXX with the way they disturb and the manner by which this appear on my credit information. I am seeking for a redress. I will appreciate if this can be settled. Am just tired of what XXXX XXXX XXXX is doing to me. 

I can be contacted for further clarification of this matter. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been stalking, harassing, intimidating, threatening, and assaulting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: NM
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:
There are 4 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: JPMORGAN CHASE & CO.
State: TX
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:
JPMorgan Chase & Co is who I bank with, checking, and credit card. I am in the middle of trading my car that's paid off in on a new car and was going to use the equity to pay off my credit card, I was under the assumption chase was being paid the full amount and in fact check was delayed, I had no idea nor was I informed so I got 30 days late. Once it hit my credit report as 30 days late I took care of it and asked them to remove it seeing it wasn't late anymore and they are flat out refusing to do so out of any kind of courtesy for an over a decade long customer. I explained when XXXX ran my credit it had dropped over XXXX points over this making the new car impossible along with me paying my debt to them. Along with ruining a decade of perfect payment history on credit bureaus. I have looked and talked to many people that they have removed 30 late`s for thousands. And the only reason this has happened was lack of hours ( work ( due to COVID. Any help would be very appreciated on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fed Loan continues to make extremely expensive mistakes with my student loans. I am on a income driven repayment plan as well as the Student Loan Forgiveness Plan as a XXXX XXXX XXXX. Every year I submit evidence of employment and as for a calculation for qualified payments as is recommended by Fed Loan. And every year they make mistakes calculating how many of my payments are qualified when they are clearly all qualified. This year, they are claiming only 6 payments are qualified. I havent missed  any payments. I pay what they told me to pay. I fill out all the forms on time. I do everything they tell me to do. And when they make mistakes I tell them so. And they deny it. Every. Single. Time. Its like corruption is part of their policy. Its like they try to see if people are paying attention and what they can get away with. In my case, I stand to lose thousands of dollars. My anxiety caused by having to deal with this totally corrupt and insanely disorganized company has profoundly affected my life. I cant afford a lawyer to sue them, and they need to be sued. The CFPB is my only hope. I need the last two years need to be recalculated. The last time I requested the CFPB to help with my account you found over 10 of my qualified payments hadnt been counted!!!!! And now Im having to reach out again for the same reason!!! Its unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate personal information and negative accounts on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all XXXX bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am XXXX!!! 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 


In accordance with the Fair Credit Reporting act. XXXX, TransUnion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. These addresses do not belong on my credit report nor do these negative, delinquent, charge-off accounts.

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