BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-21
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Due to the recent economic downturn, my income has been severely cut. I have contacted Navient about lowering or postponing my payments until this crisis is over but I have only received copy-and-paste replies which have no information except to call them and wait on hold indefinitely until I get through. This is not acceptable. Navient needs to be proactive during this time by reaching out to private loan holders with options. During this time, they also need to cease and desist harassing co-signers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a credit reporting company on my XXXX report named XXXX XXXX XXXX for the amount of {$1500.00} from a XXXX which states it was opened XXXX XXXX, 2013. I have no idea what this charge is for and for whom, I have never received a bill on this charge/account. I have always had health insurance which for any procedure done would have been covered, this charge at this time is more than what my health coverage deductible would have been. This is a inaccurate charge that I am not responsible for and I never had a procedure during this time frame. 
I want this removed from my credit report, which is only reported with XXXX bureau inaccurately immediately. I have no knowledge of this account and it 's falsely reported.

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 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX - I never applied for any car loans with XXXX and this should be removed - I believe someone must be utilizing my credit info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I have a XXXX XXXX XXXX credit card issued by Chase Bank. There is a {$95.00} annual fee for this card. Chase provides a year-end summary that can be downloaded from their website. This summary shows all charges by month and by category. But this summary does not include the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX, 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 and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This complaint is being made for several reasons ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no XXXX to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. TransUnion has not investigated any of my accounts. I have contacted all of the companies on my credit file to inquiry whether the credit bureaus have contacted them and what documentation was used to substantiate the way they are reporting the item in question. I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. XXXX states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my XXXX and XXXX dispute letters which detail why they are 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 explanation
Consumer complaint received 2022-03-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a private loan with Sallie Mae ( Navient ) on XX/XX/XXXX for the amount of {$53000.00} to attend the XXXX XXXX XXXX XXXX. 

During the last phase of my school, the school lost accreditation and the school was quietly sold to XXXX XXXX XXXX. 

After graduation the school 's president XXXX XXXX XXXX was convicted on federal fraud and tax evasion charges. Using student tuition to pay off house repairs, personal shopping bills, and gambling debts. Eventually the school closed I believe in XXXX making the backing of my technical degree invalid. 

During multiple instances I attempted to forbear my loan, which they did not offer, being unable to make anything but interest only payments not wanting my loan to default. Entering forbearance in XXXX of XXXX where I continued to struggle to make payments. 

Eventually there was the SWEET settlement offering cancellation to those who attended such for profit institutions like the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX University and many, many others. The criteria being the dates, the schools and the loans being in default. 

My account balance has not reduced at all with my loan, instead it has gone up to {$58000.00} while I continue to struggle to make the interest only {$390.00} dollar payments. 

It seems as if that due to my attempts to keep my loan out of default, I am now ineligible for any sort of Loan forgiveness by Navient, even though the school has closed making my degree invalid, and the former president of the school was convicted of federal fraud and financial crimes. 

This, in my opinion is an egregious oversight on loan forgiveness and the crimes committed by the institution I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: FirstPoint Collection Resources
State: VA
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 contact First Point Collections directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. First Point Collections are absolutely horrible. They don't even attempt to follow proper validation measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I sent a payment to a receiver who had changed there cash app name and phone number. After confirming that the payment was never received, I reached out to the support group for cash app. I explained that the receiver has a new cash app name and phone number and also no longer has access to the phone number associated with the old cash app account. I was then advised to have the receiver send a personal email regarding not receiving the payment this was done on XX/XX/2020. The support group associates XXXX and XXXX have emailed me numerous times saying they closed my case and can not provide assistance. I explained that I use the funds to get back and forth to work by using XXXX and because of lost funds I have missed days of pay. Please assist me with me moving to the funds to the receivers active account or refunding the payment back to me. We are aware that the payment was received but it can not be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX - {$170.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ad Astra Recovery and XXXX XXXX sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report XXXX XXXX XXXX I was called a man name XXXX XXXX stating he was coming to my home and serving me in XXXX XXXX. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a unauthorized hard inquiry from XXXX on XXXX XXXX, 2017 on my transunion credit report. I 'd like it removed.

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 2022-03-28
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/21 - Mailed Multiple request to remove invalid inquires 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX none were removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/21 - Mailed Multiple request to remove invalid inquires XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX none were removed

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 2016-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for a credit card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?

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 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been receiving harassing, threatening and XXXX threats telephone calls from creditors in regards to accounts and debts I do not owe. I am a victim of identity theft. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education

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 2017-05-24
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
They have a transaction processing system that is generated to charge me, the customer, a fee when there is no reason to do so said Bank does not allow the customer any time period - however minor as it can or should be, to monitor or even correct their account 's ever changing balance is it because they want to charge fee s. Said Ba nk sent me an email at  XXXX  in the morning charged my and over draft fee and my deposit came  in 2 ho urs later prior to that - I had enough money in my account. I have also complained that they are still sending me financial statements to my house after I have told the for over 6 months and change preferences to reflect that. I am appalled that after speaking to a m oney manager  that she could not or would not offer any solutions.pnc I just spent time away from job to waste time speaking to someone who had nothing to offer me. I do not trust this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022 my husband was tricked by a scammer to send {$490.00} via XXXX. During the phone call, he realized what was happening and he hung up and immediately called our bank, Wells Fargo. The hold time to speak to someone at Wells Fargo was 40 minutes. By the time he was able to tell a Wells Fargo banker that he did not authorize the transaction, he was told it was too late. The banker took down all of the information and said he would open an investigation. On XX/XX/2022 I called the bank because the {$490.00} withdrawal was still in the " pending '' section of our bank account. I wanted to make sure Wells Fargo was aware that we did not want this transaction to go through. I was told an investigation was underway. On XX/XX/2022 I called Wells Fargo to inquire about the process and was told the investigation was closed, no fraud had occurred as my husband authorized the transaction. On XX/XX/2022 we received two letters from Wells Fargo saying they had completed their investigation and there was nothing they could do. On XX/XX/2022 I contacted Wells Fargo corporate office and on XX/XX/2022 I received an email from XXXX XXXX stating that she would be looking into the matter. On XX/XX/2022 XXXX called me on the telephone and stated that there was nothing Wells Fargo could do, the money had already been transferred. I asked what measures Wells Fargo has in place to protect us in this type of situation. She said XXXX transfers are instantaneous. I asked why there have been no protection measures put in place when it has been publicized in the news that the banks have set these transfer processes up themselves. I also asked why we had to wait on hold for 40 minutes when if Wells Fargo 's customer service had answered in a timely manner they could have stopped the transaction. She responded that they are busy and they are dealing with a lot of scams. On XX/XX/2022 I asked that the denial be put in writing. On XX/XX/2022 XXXX XXXX sent me an email apologizing for the lengthy wait time and providing me with information to learn more about how to avoid being scammed in the future.

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 2020-03-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express is refusing to properly dispute an a purchase for XXXX XXXX because someone signed for a complimentary cabana. Please note that I XXXX XXXX did not sign for the cabana nor did I personally sign or authorize the charges for XXXX XXXX. The cabana was offered to someone who traveled as a guest who is not an authorized user on my credit card account. This should not have any bearing on a comprehensive dispute being conducted. XXXX XXXX, XXXX XXXX advertised falsely and did not render the services as promised. American Express has an obligation to properly dispute claims for their card members. I am requesting that American Express obtain signatures and compare those to my signature. I should not be held liable because a friend accepted a {$100.00} cabana for the poor service and falsely advertised services not rendered by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Their investigation did not fix an error on your report

Complaint:
Equifax stated that they verified a Bankruptcy with XXXX XXXX. I have contacted XXXX XXXX and there is not any information on my XXXX XXXX Report Regarding a Bankruptcy. Then Equifax stated that they verified the information with the Court House. I contacted the court house and they advised me that they do not report any information to the court house. Therefore since this information is not verifiable. It needs to be deleted from My credit report and all associated accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: SC
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 XXXXXXXX XXXX  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. 

They also Reporting the wrong dates on the file they last payment was XX/XX/XXXX they change the date to the charge off date XX/XX/XXXX now this date is showing which is wrong here is the screen shot of it.

Company response to consumer: Closed with explanation