BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have a garnishment agaouint us and we have been having payroll deduction since thew court case. On XX/XX/XXXX we made a large payment against our judgement of {$4700.00}. We had a few more payment garnishments in XXXX and XXXX. During these garnishments we actually have paid enough of the debt and now we have actually over paid approx {$400.00}. Because of my work schedule my husband has been in conmtact with Midland. He has contact Midland Credit Management over 5 times to discuss the balance and over payment. I even requested verbally and via email a complete payment history and interest charge for our account. They told me I can receive this information online which only goes back 1 year. I told Midland this and they said they are not under obligation to give me payment and interest charges history. I am asking for this to see how much we were charged interest because I received a statement from Midland on XX/XX/XXXX showing a balance due of {$62.00}. Then he got online on XX/XX/XXXX and the account showed a balance of {$230.00}. We were told this is because of interest charges. Then he spioke to another Midland rep on XX/XX/XXXX and she confirmed this si an issue with the correct balance and they will look into this difference and let me know. Midland rep also told us the reason for overpayment is the XXXX XXXX XXXX did not XXXX XXXX them the most recent payments and we needed to conct XXXX. I contacted them on XX/XX/XXXX approx. XXXX and went over the account details. XXXX told us that they never received a Credition Reduction Letter of our {$4700.00} payment from back in XXXX. And my next paycheck on XX/XX/XXXX will have yet another garnishement. This is totally unacceptable and lack of responsibility on Midland Credit and lack of willingness to help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20
Company: Byrider Franchising, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a car loan through XXXX XXXX  in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Loan start date : XX/XX/XXXX for {$10000.00}. Co-signed with grandparent who passed away in XXXX. 
Current loan amount : {$11000.00} - XXXX Payments made : - {$11000.00} I had a Sallie Mae private Sallie Mae loan in XXXX which was sold to Navient. I have been paying my loan consistently over the past 14 years. I believe because my school was a For-profit school in XXXX my account has slipped under the radar of the Navient issues. 

I still over more than the original amount of the loan. Multiple times calling Navient in XXXX they coerced me into putting my loan into Forbearance by paying a " Fee '' amount not explaining the issues with the interest or educating me on how this worked. They used " unfair and deceptive servicing practices '' and even asked me when I was " delinquent '' to pay certain amount to bring the account current. They also made me pay to put my account in forbearance when I was in school again. 

My co-singer who died in XXXX was never release from the account & her son was berated by Sallie Mae to pay, even though we called multiple times to et her removed. 

I have called Navient and they will not give me the call history and told me I need a lawyer to do so- this is my private info and should be accesible to me. I also asked for the " $ total amount of payments '' I've made and they do not have that data. They said would they would need to " manually calculate '' the total themselves and do not keep a record of your total payments. This is concerning as this means there is not total record of how much money I have paid over the past 14 years. 

I did the math and it looks like to me I have made over {$11000.00} in payments. Which would imply I should be almost done paying off this loan. 

Other issues include : - No official statements accessible from the website only " XXXX '' spreadsheets you can export. This conceals the true payment total and total of interest etc. It also conceals the real interest allocations and how payments are allocated for historical payment. Banks like XXXX etc have this on their site so you can easily understand. This is a dark pattern to confuse people from looking at their loan history. 
- They ask for your social security number over the phone and record these calls. This is a security issues and means my social security number is in stored in call recording I don't have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted multiples times with your company to get XXXX XXXX debt removed from credit report. Debt is not validated, verified, or authorized by myself as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was recently notified on XX/XX/, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud. 

Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to Transworld Systems Collections. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by XXXX XXXX XXXX appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with Transworld Systems Collections. 

I will be contacting XXXX Identity Works once again to ensure this matter with XXXX XXXX XXXX is resolved in as soon possible. 

Please let me know if you require additional information. Thank you. 

Sincerely, 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 2023-05-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called US bank to report a transaction that I do not recognize nor authorize. Customer service from US bank refused to provide any document related to the charge nor transfer my call to the fraud department to dispute it.

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 2021-04-21
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received a letter from PNC Bank in the mail indicating that 3 accounts had been opened on XX/XX/XXXX. I received a separate envelope with a virtual wallet debit card. I had not opened an account with them and have never had a relationship with them. 

On XX/XX/2021 I called the PNC customer support phone number XXXX and reported the accounts as opened fraudulently. The person on the phone did not seem interested at all in the issue and would not give me any information. Upon my insistence, she said someone in the complaints dept. would contact me in a few days. 

On XX/XX/2021 i received a voicemail from the retail support group on behalf of XXXX XXXX, with a phone number ( XXXX ) XXXX. I called the number back the same day and left a message indicating I was returning a call. 

On XX/XX/2021 I received a call back from XXXX XXXX. He indicated that he needed to verify my identity and would send a text ... to the phone number he had just called me on ... and would need me to give him the PIN. Hi then placed me on hold and I received the following text : PNC will not call and ask for your passcode or your online banking login info. Your code is XXXX So naturally I asked, why does this say PNC wont call me to ask for this code ... but you are calling to ask for this code? He got XXXX, indicated that he was very busy, and demanded that I give him the code or he would not be able to help me. I asked for His direct phone number. He gave me the same phone number from the voicemail on XX/XX/2021. This phone number is not registered to PNC. It is registered to someone named XXXX XXXX in XXXX, PA. 

I hung up and drove to a branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. When I arrived I asked for help to set up online banking for the fraudulent accounts. The branch manager would not give me any of my account details, but indicated that there was no history on the account of my previous reports that the accounts were fraudulent. There was no note to close the accounts, despite multiple contacts with the company customer service that should have initiated this. He suggested I file a police report, which I did. 

As far as I know, the accounts are still open but I am not able to access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Kia Finance America is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and Kia directly and have not reached a resolution. I sent a letter to Kia Finance requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How is it that they are able to validate this inaccurate account on my reports but ignore my dispute request? It is illegal to ignore a dispute request as well as to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!

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 2021-04-21
Company: EQUIFAX, INC.
State: PA
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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
loan transfred from Great lakes ( they were good ) to Nel Net. i have called 3 times and have been on hold XXXX hours. First call, they answered in XXXX hours and whn i asked a question ( interest rate ) XXXX minutes latter i was still on hold. i hung up. Called the next business day. on hold for XXXX hours and then got recording asking for my evaluation of the represntative and then they hung up on me. Third call, on hold forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Williams & Fudge, Inc
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  unknowingly signed me up for classes Now I am being harassed by a different bill collector every day, claiming I am a student at XXXX XXXX XXXX XXXXXXXX campus and that I owe them money, I have never even applied for admissions there. 

Illegal debt collecting practices : -- -Taken away my right to find out if the debt is legitimate by constantly switching the debt collector so far there's three and two days that have contacted me this week. Also I can not find any student enrollment information as XXXX XXXX  is gone and I never applied or was enrolled in Arizona. 

-- - The calls, the emails, and the letters keep coming. This week 3 different collectors in 2 days. This new " phantom debt from XXXX that just appeared this week. I work nights this is very taxing on me to have to wake up to debt collectors phone calls. I'm constantly sorting through emails and letters that is being sent to me from unknown people with an unverified debt. I'm doing my best to track down this debt and I have to stay up at ours that I'm normally asleep to contact people. 

-- the deck collector is saying that in XX/XX/XXXX I was enrolled in XXXX XXXX XXXX  XXXX campus and signed up for an XXXX  class and then dropped it. There's no record whatsoever of me ever being enrolled or applying and XXXX XXXX XXXX XXXXXXXX campus. XX/XX/XXXX I was fully enrolled in XXXXXXXX XXXX XXXX XXXX and using FASA loans. 


I got scammed from a fake university called XXXX XXXX  that was claiming that my FAFSA would cover the classes. That was not the case. Here is the lawsuit see the link at the bottom " XXXX XXXX judge fines ex-owner of XXXX XXXX  $ XXXX for bogus admissions tactics '' I had signed up for one class that I was going to transfer to XXXXXXXX XXXX XXXX XXXX where I have been since XXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX After I signed up for the class they told me I was gon na have to pay cash after I started attending so I said I'm not taking any more classes I won't sign up for anymore. I finish the class and pay the debt in the company went under. It got sold to XXXX XXXX XXXX  XXXX campus. I called that new campus to make sure I didn't have any outstanding debts from the scam. I also called to see if I can't get my transferred credits via use of my transcripts which they did not have or any information on me whatsoever. 






Here is the link to the ruling XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... XXXX, XXXX, Equifax, XXXXXXXX XXXX removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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 XXXX  account XXXX XXXX has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home with PHH Mortagage in XX/XX/2022 and an escrow refund check was issued. We did not receive the check after 30 days. We called customer service and the escalation department to complain and get the issue resolved. A new check was requested on XX/XX/2022. On XX/XX/2022 we received the original XXXX check with a USPS stamp of XX/XX/2022. This check was worthless as it was canceled when a new check was requested. As of XX/XX/2022, we still don't have our escrow refund check, that is past 30 days of the original XXXX date when the closing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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