BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Navient Solutions, LLC.
State: AZ
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 tried to work with the company in XXXX, and they would not help me with the loan and told me I did not qualify for any programs. I told them that my hours had been cut at work and that I was late with payments and unable to make them. But there were still no options available to me. I have filed previous complaints about them not offering any assistance. 

I am not over 90 days or later and then am contacting and harassing my family at work and leaving several messages, which is inappropriate. I have asked them to contact me by email or letter and not to call or harass my family members at their jobs for my debt. This is predatory and terrible. I would like them to stop. I have never had anyone else attempt to do that when collecting a debt. I think contacting a person 's family members at their jobs is illegal. 

I have no way to make the payments, and I am currently trying to work with a settlement company to help deal with the situation, but navient will not work with me on the debt. But I would like them to leave my family alone and stop calling and leaving messages throughout the day. It is harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Equitable Acceptance Corp
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I believe in XX/XX/2016 a friend convinced me to sign up for a student loan forgiveness company called XXXX XXXX which is connected to the company Equitable Acceptance. They stated that after paying {$49.00} a month for a certain period of time, that my student loans would be wiped. I have almost paid {$2000.00} to this company over the past two years. Only recently ( about a month or two ago ) I  asked that company ( XXXX XXXX ) when my time is done with them and what happens next. They advised me to ask the Federal Student Aid or Department of Education because it was up to them what happens next. After explaining my situation, the representative believed that this company was fraudulent and advised me to stop paying their monthly bill immediately, call my bank ( XXXX XXXX  ) to not allow them to automatically take that money out each month, call the credit company to make them aware of the situation, and contact another higher authority to give in a complaint ( which I cant recall the name to continue with asking them questions about this situation ). I tried calling the company Equitable Acceptance to discontinue services in which they wouldnt allow me to. My bank put a stop on them pulling out the payments where they also did some type of investigation and deposited {$190.00} into my account out of the close to {$2000.00} Ive paid over the two and a half years. A fraud alert went out on XXXX XXXX to hopefully protect my credit from them. The higher power company that I cant recall told me to keep them updated if the company reached out to me for any reason. Since then I have received multiple emails saying I need to make their payments, threatening voicemails with recorded messages from questionable numbers, and emails saying my account is severely delinquent. I tried to sign into my account on Equitable Acceptance to get the exact details of when I started with them and calculate how much money exactly was given to them to give those things to you but its not even allowing me to sign in. I am not sure what the next steps are to resolve this situation, how to completely disconnect from these fraudulent companies, how to hopefully get some of that money back that I paid for the past two years, and how to move forward from all of this. I would appreciate any help possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Has all violated my rights. 

15 US C 1681 section 602 A states I have the right to privacy 15 US C 1681 section 602 A Section 2 : It also 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 explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX XXXX account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed 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 non-monetary relief
Consumer complaint received 2023-01-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
State: MD
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:
CitiBank responded with no valid information that proves they are the original creditor. Any competent individual will be able to understand exactly the type of informationa and documentation I am requesting. I feel as though this response was put together to discourage me from exercising my rights. I have attached their response and my response to their email can be found below ; " Hello, I have received your response and thank you for responding in a timely manner. However, I need the name of the individual who prepared this response. I will also inform you that I am of age majority and competent. I understand the laws I am reading and exercising my rights to remain in honor. Unless this response was drafted by a artificial person, Im sure you ( Agent and principal ) and I ( competent consumer ) knows that this response does not at all fulfill my request. This is my final notice to cure. I will be escalating this issue with the XXXX, XXXX and XXXX, I will also file a complaint with my attorney general. Please refer back to my complaint and respond accordingly. Furthermore, I requested specific information and gave specific instructions. This notice constitutes as silence, as it did not address the root of my complaint. ''

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 2019-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America On XXXX XXXX-XXXXXX/XX/XXXXand XXXX of 2019 I filed complaint with the CFPB on your institution pertaining to a FCRA violation of a FDCPA account XXXX was charged off on XX/XX/2019 I asked you to look into the way that you were reporting to the credit agencies about this account as I had did my research/ investigation you sent this account to a 3rd party debt collection agencies in y to collect on it. however per the FCRA the creditor MUST MUST indicate on a consumer credit report that the account was transferred and or sold. I submitted your responds in a file in which you indicated in a letter saying if i had question about the account I needed to contact XXXX directly at XXXX XXXX XXXX the account was not in your possession therefore you would have had to report the account as Transferred. then you go on to say federal law require bank of America to report fair and accurate payment history! Now I'm turning the table around on you Federal law requires creditor such as yourself to report fair and accurate information on a consumer credit report in this cause you are in violation of the FCRA due to the fact that you didn't report you had transferred the account to a 3rd party debt collected or not. As of my lasted credit report you are still in violation of the FCRA So I asked you to delete this account immediately and also and have the credit reporting agencies send me a updated credit report with the deletion. also you could be sued for {$1000.00} per the 4 credit agencies. Please comply and have this item removed asap. also You are the Only bank that will not reply back via the cfpb site claiming the information don't match I asked you to please respond via this site if this item is not removed I will file Legal action due to the fact that you are in violation and reporting unfair information on my credit report! I will be awaiting your responds!

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5800.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-07-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have asked for a paper copy of our escrow analysis through tdbank. I was told it would be mailed as I can not access the information online to see how our overage was calculated for that year. It was never mailed to me. I was told 3-5 business days. I called back a couple months later ( today ) and they told me it was mailed on XX/XX/XXXX. I asked if they could send me proof of this they said no but they would mail it again. I also asked if I could access this information online, I was told they could not email it and it is not available through their online banking platform. I would like information on my own money that is being held in their account and they make interest off of by precollecting it. I believe this information is being withheld. XXXX who I spoke to said she would mail it again. I asked to speak to a supervisor and was on hold for an hour and never spoke to anyone. I just want the information I am requesting. I am getting their paper statements for my mortgage bill each month in the mail and confirmed the correct mailing address. I believe this information is being withheld so the bank can collect a little extra interest in my escrow account each year. I would like help in getting the information on paper and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Citibank pulled and access my XXXX, XXXX, and XXXX XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. The Citibank inquiries listed on my XXXX, XXXX, and XXXX XXXX credit report is fraudulent and unauthorized credit inquiries. I have not applied for any accounts with Citibank. The credit inquiries arent my credit inquiries. The Citibank credit inquiries are fraudulent and unauthorized credit inquiries. Full Name : XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
wells fargo, i over dratfed an account. for 60 days. made a agreement with wells fargo debt collection to pay everything back in XX/XX/XXXX with no one saying i would have my cards freeze, they knew we have been through hurricane IRMA and lost my job, they said we understand please pay something, i did {$25.00} and first paycheck being XX/XX/XXXX it would be paid. XX/XX/XXXX they freeze all the cards for misuse. filed an complaint with excutive department. but they would not issue another card to myself or wife which was a conjoint account. no other withdraw happened when the account was over drafted, they did charge me a {$12.00} for not making a min of 12 swipes in that month. but how could i if the account was over drafted.

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 2023-11-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Experian Information Solutions 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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXX Balance : {$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 2021-11-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with the fifth third bank using an offer code that was sent via mail. After I met the terms and conditions I called the bank because I did not see any credit mentioned in the offer. The bank mentioned that they are unable to see the offer in their system so unable to honor the offer. I gave them the offer code that was sent to me and they confirmed it is a valid offer code but still can not honor it because it is not applied in the system. 

They know that I used the link provided to me on the offer but I am not sure why the offer code is not reflected in the backend. 

I am extremely disappointed because I opened the account based on the offer that was sent via mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: NJ
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:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Finance XXXX XX/XX/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