BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: AL
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 I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX  XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2020-03-18
Company: Action Financial Services, LLC
State: TX
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:
Action Financial is the 3rd party over my loans. THIS COMPANY IS FRAUD AND HAVE TOOK MONEY DIRECTLY OUT MY CHECK FROM MY JOB COMPANY KNOWING THERE WAS A STOP PAYMENT ON MY LOANS IN XXXX. MY EMPLOYER GAVE ME THE DOCUMENTS FROM THE DEPARTMENT OF STUDENT LOANS IN XXXX FOR STOP PAYMENT. IN XXXX I REQUEST A REFUND FOR MONEY OWED BACK TO ME. A TICKET CLAIM WAS SUBMITTED IN XXXX AND I WAS TOLD NOT TO CONTACT THE DEPARTMENT OF STUDENT LOANS THEY WILL MAKE THE REQUEST. IVE BEEN CALLING ACTION FINANCIAL SERVICES EVERY TWO WEEKS FOR 3MONTHS NOW AND THEY BEEN GIVING FALSE INFORMATION REGARDING MY LOAN AMOUNT, PAYMENT AMOUNT AND THE DATE OF THE REFUND. THIS CHECK FOR XXXX AND XXXX NEEDS TO BE ISSUED ASAP. IVE WAITED 3 MONTHS ALREADY I DONT WANT TO HEAR ANYTHING ABOUT A 41 DAY TURN AROUND TIME PLUS 14 BUSINESS DAY FOR MY CHECK. 
THIS IS WAGE THIEF AND FRAUD ON ACTION FINANCIAL SERVICES END. I WANT TO BE UNDER A DIFFERENT FINANCE COMPANY. OR I WILL NOT BE MAKING ANYMORE PAYMENTS. I DO NOT TRUST THIS COMPANY AT ALL!

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 2018-05-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX. My car had to be towed by XXXX XXXX. It would not start. Tow truck driver was told to bring car to my mechanic in XXXX New Jersey. XXXX XXXX XXXX.. instead I was told I drove it to XXXX XXXX onXXXXXXXX XXXX XXXXXXXX. XXXX NJ. Because they are XXXX XXXX. Affiliated and they will give you 20 percent discount if work is done there.. I decided to try and see if it was good idea. I told The personnel at XXXX. Please call with quote before anything is done. Only to receive call hours later that car was ready and its {$480.00}. I said Im not paying that I did not approve work. He said Ill call u back with better price. He then said $ XXXX cause he shopped for lower parts and battery. Although unhappy. I went there to get my vehicle. And gave my card, I went to start my car. It would not start. All red lights came on. I said this will never pass inspection and Im not paying until they fix it. He said it wasnt doing any of this mess.. he said dont worry about card. I dont think it went through., Ill call you in a day. XX/XX/XXXX around XXXX XXXX I called and was told still working on it. At least 4 days went by. No words from shop. I noticed charge on my account from XXXX XXXX   for {$390.00}. I asked my bank. Wells Fargo to file dispute. And temporarily placed back my money in my account. After 5 days they call me and said for another {$1400.00}. They can do repairs that they found the car needed. I said its not worth it its a XXXX XXXX XXXX. With several dents had water damaged and conks out all the time. None of those prices guarantee me a great running car.. I said please find lowest price battery and would you know anyone interested in purchasing vehicle.. I checked blue book value. And for car condition. It came up to between 200 and 500 dollars. I asked XXXX XXXX to hold it and let me know if someone wish to purchase and I told them about the card going through. He said Ill give you XXXX for car. And you can deal with your bank and theyll fix that..

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 2020-03-18
Company: 1st Florida Lending CORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called and spoke with XXXX, he stated he was going to transfer me to a loan specialist. Prior to them completing their conversation, he joined the call and I heard the representative saying, " I'm not going to work with anyone name XXXX. '' Then they hung-up. I called back and spoke to XXXX and I told him I heard the conversation. It is extremely XXXX and unprofessional. Which he claimed I didn't hear anything and that I heard wrong then he hung up on me!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: GVA Holdings, LLC
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a payday loan a couple years ago. I fell behind or changed banks and missed a payment. Last year, I was contacted by letter or call to pay off {$210.00} to close the case. I paid that debt and even received a letter from North Cash in  XXXX   XXXX  to say they received my payment and case is closed. Now a year later, i have been getting emails starting on  XXXX / XXXX / XXXX  to settle the account. I have emailed to say account is swttled since last year and even gave date and check number ... Last thursday  XXXX   XXXX , I spoke with someone after getting voicemail about debt.. The guy said he was referring the case to supervisor and wanted me to fax over the letter. I said no as it should be in the file since it was their letterhead. I told him that they were harassing me for debt which was paid and if they contacted me again, I will file a formal complaint as I no longer owe the debt for a bout one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have never been able to get my free annual credit report from TransUnion, but i was able to get annual free credit report of XXXX and XXXX until two or three years ago. I complained then, but cant remember what the response was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I had requested a free credit report. I was unable to receive the report at the time of the request. I believe this may have been due to a lock on my wife 's credit, but I can not be sure. I only know that I received a message indicating a problem and that I needed to call. I was not able to call for several weeks, at which time I was informed that the report I had requested was expired and would have to wait a year to receive another XXXX. Unfortunately, I had requested a separate report from each agency and found the same result. I still have not received a report from any of the agencies and can not receive a free XXXX for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I sent a letter to Transunion. 
XXXX and XXXX have removed any reference to XXXX XXXX XXXX from my credit file. The certified communication was dated XXXX XXXX, 2016. As of this date TransunionXXXX has reference to XXXX XXXX XXXX on my file. I enclosed copies of my certified birth certificate, social security card and current driver 's license which indicates XXXX or XXXX XXXX AND NO MIDDLE INITIAL. Can you please help resolve this dispute? Thank you.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, convergent account number XXXX. 
XXXX XXXX XXXX XXXX number XXXX Commonwealth Financial Convergent account number XXXX XXXX and XXXX XXXX  Account number XXXX. 
XXXX XXXX Convergent account number 181085 US District Court 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 states a consumer reporting agency can not furnish an 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 2022-03-27
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have sent in the attached request to XXXX to get a copy of my CLUE and CLEAR report and they responded back saying I did not submit enough information and their reply they ask for exactly what I already sent to them. I want the semantics to stop and to get a copy of my Lexis CLUE and CLEAR report as mandated by the FCRA as I am entitled to 1 free copy per year by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
America Express m arkets their EveryDay credit card as provid ing 2X POI NTS  at U.S. su permarkets on up to {$6000.00} per year in purchases, but fail to provide reward points for purchases from major  XXXX  California grocery stores, specifically  XXXX  and  XXXX .  XXXX , one of the largest supermarket chains in th e US, ow ns  XXXX  and  XXXX  ; the  XXXX  Website store locator clearly shows the stores. I have purchase d $ 1000s  of dollars from  XXXX  and  XXXX . I opened a complaint wi th Am Ex  :  XXXX . Am Ex says the  XXXX  division merchant coding indicates the stores  (  which  XXXX  is a part ) are something other than supermarkets. That is just flat out wrong. I cant fix it ; Am Ex wouldnt. I am hoping the CFPB can lend a little clout to getti ng Am Ex to fix what is probably a clerical or systems error and live by what they promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I pulled my credit report in XXXX 2015 and saw creditor, " Navient '', reporting a very high student loan balance resulting to over XXXX XXXX. I immediately filed a dispute with all XXXX credit bureau agencies and wrote letters to Navient directly via XXXX Certified Return Receipt mail on XXXX/XXXX/15 & XXXX/XXXX/15 ( they have also changed their corresponding address after I sent the dispute to all XXXX credit bureaus and letters were sent to XXXX addresses ). I requested for validation made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). A Navient Representative and I spoke on XXXX occasions in XXXX 2015 and on XXXX occasions I asked specifically to send written documentation to be sent to my attention and to please cease all calls ; as a result they violated Fair Debt Collection Practices by contacting me the XXXX time. Needlesstosay, all ways of correspondence has resulted in Navient 's refusal and failure to comply. In addition, on XXXX/XXXX/2015, they sent a refund check indicating the following, " ... .During a recent review, it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged, may have caused confusion for our customers. To correct this issue we have enclosed a refund check in the amount of {$40.00} ''. At this point Navient is purposefully violating the Fair Debt Credit Reporting Act, Fair Debt Collection Practices, and defaming my character. I am suffering as they are leaving an erroneous negative mark on all XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship.

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 2020-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 reviewed my credit report and the account was listed there. This account was opened XX/XX/2016, and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: LA
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, XXXX account number XXXX. 
XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXXt account number XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX. 
XXXX XXXX XXXX account number XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: FL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
In XXXX of 2014 I started a new job and was given a paper check for my first payday. I deposited this into my XXXX XXXX bank account and was told the items would be available the next business day. I wrote a check to deposit funds off of this account to transfer to my Bank of America Account. XXXX put a delayed Reg CC hold on the paycheck and bounced the check I had written to the Bank of America account, causing the bank of America account to go negative. Bank of America closed my account and reported me for fraud, even though I have since paid back any amounts owed, and supplied them with documentation that the funds were there. Bank of America refuses to work with me to clear my name or allow me to open another account. This has lead to issues opening new bank accounts as well. I would like all negative information on file with bank of america removed as the funds were there to cover this transaction.

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 2017-01-25
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was unemployed for roughly 18 months ( XXXX XXXX - XXXX ) and was told my only options were forbearance or default. Deferment was never mentioned or offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Windham Professionals, 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: Account status incorrect

Complaint:
XXXX University, through its collection agent, Windham Professionals , Inc, accepted my offer to settleme an alleged debt, however has not honored the settlement agreement and continues to attempt to collect the alleged outstanding balance. On XX/XX/2020 Windham Professionals , Inc negotiated my payment instrument ( check number XXXX ) in the amount of {$820.00}, which fully satisfied my account. XXXX has refused to release my transcipt or provide me with a notice that the account is settled in full. I contacted the agent on XX/XX/2020 and was told that I am required to continue to pay. I sent my check directly to the president of the company Ms. XXXX XXXX XXXX XXXX with a letter enclosed. The letter clearly stated that the enclosed check was to be cashed only if the settlement offer was accepted. In addition, the check was marked " Settlement Only '', as a restriction. I also requested a letter of rejection if the offer was not accepted. See the attached files ; cancelled check copy and accompanying letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
THIS COMPANY HAS REPEATEDLY DENIED ME ACCESS TO A CREDIT LIMIT INCREASE DUE TO THE INCORRECT REPORTING FROM THE CREDIT BUREAS. I DEMAND A CREDIT LIMIT INCREASE TO ALL MY CAPITAL ONE CREDIT CARDS. I AM A GREAT CUSTOMER AND WANT TO CONTINUE TO DOING BUSINESS WITH CAPITAL ONE BUT IM A BEING WRONGFULLY JUDGED I have reached out to XXXX XXXX, Attorney General of Florida and voiced my concern on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CBC Companies, Inc.
State: GA
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:
My information might have been impacted by the XXXX data breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021

Company response to consumer: Closed with explanation