BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Summons was filed with the Court for a Judgment on XX/XX/XXXX. Proof of Service : Summons & Complaint was dated XX/XX/XXXX. I never received it. And a Renewal of the Judgement was filed on XX/XX/XXXX. Proof of Service : Summons & Complaint was dated XX/XX/XXXX. And once again I never received it. And on XX/XX/XXXX A Writ of Execution was issued. So on XX/XX/XXXX a Wage Garnishment was enforced. So I never knew Professional Collections Consultants was trying to collect on this debt or that I was being sued by them to collect on this debt.i didn't even know I owed XXXX XXXX XXXX XXXX. After talking to my Employer 's accountant & they informed me of who the company that filed the Wage Garnishment was. I researched The XXXX XXXX Court records & found the Civil Complaint that I had no clue of of.

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 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Some keeps opening bank accounts and credit cards with Bank of America They say they are blocking it but Im getting emails that it is opened and its not me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had 2 XXXX loans in repayment through XXXX  education services. One I repaid in full the larger was being paid on and in good standing for 7 years. I went online to pay a monthly payment and it was not on their website. on XX/XX/XXXX I called XXXX only to learn that the remaining 4200.00+ had been taking over by Navient . I called them and the woman on the phone told me that I had a balance on XXXX. When I inquired about it, I was told it was also a sallie mae loan which I did forget about and was my fault. I asked to make my payment on the smaller one which was transferred to them and I would make arrangements with the larger one. She said she could not do it because it was all being sent to collections. My question to her was, " how can you send both loans to collections if the smaller loan was being paid on through XXXX  on time ''? Navient would not let me pay on either one. There has to be something illegal about this? The sallie Mae loan was on my credit report up till XX/XX/XXXX and fell off, now they are going to obtain an old laon and try to put it back on my credit report as a new loan which I have tried to set up a payment with them, which they will not let me do?! They are already in a lawsuit for this type of unfair business practices now. 
( XXXX # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: VA
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:
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 XXXX and I 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 explanation
Consumer complaint received 2023-01-01
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company illegally repossessed my car with all of my possessions inside. 
They tried to get me to make cash payments via XXXX instead of through the verified website. 
They would constantly give incorrect information about my balance due. 
They have reported to my credit that I did not pay when I have bank statements that prove when I paid. 
I was paying on the car for XXXX XXXX and they would not send me the information to register my car. Therefore, I was paying on a car I could not drive. 
This company is doing illegal practices and needs to be highly regulated or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Stellantis Financial Services US Corp.
State: LA
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 recently purchased a house a few years ago and unfortunately I came across some damages that really needs some attention. I wanted to refinance my house to see about using some of my equity. I had to review my credit report in order to do this because my lender said it would be best if my scores were better than when I initially purchased. Upon checking my report I noticed some inquiries that I did not recognize. I have no knowledge of several Hard Inquiry on my credit report. According to 15 U.S.C. 1681 law states they have to be removed immediately, it is defamation of my character. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I cosigned a student loan for my nephew. American Education Services has my current contact info as well as his. I receive statements monthly from them. Mail has never been returned. I received an email to update my contact info with the company. Upon calling the company I asked if the account was current to which I was told it is. I was not asked to update my information nor verify my contact info. Today I received a call from a distant relative that AES has contacted her multiple times for my contact information. I am upset and angry that this company contacted someone on my behalf about my private business when the account is current and through monthly contact they are aware that my contact information is up to sate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I made three transfers using the remitly application, later I canceled them and I was informed that I would have to wait 10 business days to receive my money, it has been 3 weeks and I do not receive any refund, I try to communicate with the company but I do not have access to the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: DISCOVER BANK
State: NY
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying since XX/XX/2022 to get my minor son 's credit file frozen. The first time, I received no response from the company at all. I have called them for assistance at least XXXX times. I have faxed in all documentation at least XXXX times. And I have mailed them all documents at least once ( I think actually twice ). I have also faxed them explaining the situation and asking for someone to call me back and have received no response. The past XXXX times I have only received a form letter asking me to submit all of the information again. 

In summary- Equifax can not answer any questions about my son 's file over the phone. They send form letters asking for information already submitted multiple times and say that no one can call me back to explain the issue. The last person I talked to over the phone said that possibly one of my documents was illegible, but this would be the fourth, if not fifth, time that I have sent all of the information in. I am quite frankly not wanting to expose my son to identity theft by stolen mail by AGAIN sending copies of his SSN, etc. into them. This whole issue was started by social security information about my other child stolen from our mail route. And now Equifax refuses to place a freeze to protect my son 's identity or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following issues are not allowing me to purchase a home for my family. Please consider and remove. Thanks Account name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Sunday, XX/XX/2023 Predatory Lending It appears that I am the victim of indirect predatory lending. The bank has prevented my account from signing up and enrolling into the " cash reserve '' option. 

This is not credit based lending and either has intention of preventing, rejecting or approving a veryblow-ball amount due to being a minority. 

I attempted to enroll and Ibwas peovided with a error message and the requirement to clntact the bank for a person to make judgemental discretion instead of the ai software computing the information on equal terms and guidelines. 

I should still be approved for a regular unsecured credit card, options in other lending including auto loans, recreational loans, and mortgages. The XXXX medical collections and XXXX year old apartment lease collection that should not have been charged given the voluntary discontinuation. 
We can not consider inquiries from thrbreport because I have to continue applying until I recieve the necessary credit needed. Being rejected makes it appear I'm frivolous. 
There are not any judgements, bankruptcies, liens. 
But that's the conspiracy here with this and your not doing anything.

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 2023-12-15
Company: Zions Debt Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I received a text from a company claiming to be Zion Debt Holdings that read XXXX... We purchased your past due XXXX XXXX XXXX. Please call us to discuss and resolve. ~Zions Debt Holdings I called because I used to have the service and knew this was in error because I ended service in XX/XX/XXXX. 
They were telling me XXXX sent it to collections for my last payment and now I owed {$110.00}. I asked for a number to XXXX to resolve because it was wrong. I called but it was a XXXX it support number. 
I called Zion Back and told them they had wrong information because I dont owe anything. They told me they could send my billing history and I had to show that I received a letter from XXXX that it was cancelled because they were stating it was closed for non payment which I knew to be wrong. I search my emails and was able to find all my communication from XXXX that the service was terminated by me. 
They continued to tell me they reported to credit bureau. 
The text came from XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my student loans were on an income driven repayment plan which required me to have a XXXX payment.. once covid came loans in forbearance due to the government putting payments on hold. The lender reported for a total of 16 months that every month i was late. I tried contacting them and letting them know my loan was on an income based repayment plan and also the forbearance the government provided was in place during the time they were reporting my loan as past due. i have given them 2 months to report the mistake to the credit bureaus but they have not done so.

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 2020-07-21
Company: U.S. BANCORP
State: MA
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:
I made two payments in full. Per the credit card agreement if payments are made in full by due date no credit interest will be applied. Interest was higher then actual interest rate and was applied on balances paid in full by due date.

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 monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: TN
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:
This is is a follow up complaint to the recent CFPB Complaint I previously submitted to Equifax Credit Bureau requesting the deletion of the unauthorized inquiry. The inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2023 is not affiliated with me, and I have not received any money, goods, or services as a result of this unauthorized inquiry. Neither have I authorized these inquiry. I demand that this be immediately removed from any affiliation with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. U.S.C. 1681 Section 604 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 non-monetary relief
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: RI
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:
I shall begin by saying this is a cease and desist letter to the companies XXXX XXXX XXXX, EXPERIAN, XXXX, AND XXXX. I am seeking Monetary Relief because my rights under the FCRA have been violated by XXXX XXXX XXXX ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ). This company has been reporting to all 3 credit bureaus that my account has been charged off however, they have been constantly harassing me via email to make a payment. Below I have attached proof of how the account is reporting on my credit report which is also accurate for the other bureaus and I've also attached proof of them emailing me today XXXX saying that I owe a payment. I would like this account IMMEDIATELY deleted and removed from all 3 credit bureaus as this is a CLEAR violation of my rights. This corporation is trying to profit from the government as I assumed they filed a 1099C for this " debt '' and they are also trying to profit off of myself as a consumer since they are STILL asking me to make a payment. HORRIBLE HORRIBLE HORRIBLE and shame on them!!! I would also like to receive monetary relief from the 3 major credit bureaus as I have reported MULTIPLE times that this company has been violating my rights and all they have done was validate the account without any explanation as to HOW they validated it. I'm confused because I was under the impression that these credit bureaus have an obligation to the CONSUMER but it looks like they are working together with these major corporations to try and profit off of poor consumers as this account has cost me thousands of dollars in interest. I will take legal action if this account is not removed and deleted within 15 days off of all 3 of my credit reports as there is no excuse or explanation that can justify such violation!!!

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