BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-23
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call at XXXX from an individual working for XXXX at extension # XXXX. To the best of my abilities this is the conversation on the phone. 
-XXXX are you aware that your social security number starting with ... and last four digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ? 
I 'm calling from XXXX, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney. 
-What, what are you taking about? 
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}. 
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX watch what I do with your social security number. 
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards. 
I also got in contact with Deville MGNT, which is the company that contracted XXXX and inform them about what has happened. The manager did n't think XXXX said anything inappropriate and in fact, kept telling me that I had to pay the bill and that XXXX had the right to collect my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

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 2018-08-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I'm concerned. I just got this letter from Navient. Before proceeding I want to ensure it is legitimate & that good faith & honesty will be integral to our communications. I did a web search & found that there are outstanding lawsuits against them. Also, I don't have the means to do more than chip away at this debt. I'm XXXX, XXXX XXXX XXXX, & on XXXX. If my XXXX were taken away or significantly reduced, I wouldn't be able to survive. Presently I receive {$1200.00} per month. I'm willing to pay as much as {$50.00} per month, knowing that will only chip away at the principal. Unless I come into some money or live surprisingly well beyond my normal life span as a XXXX, XXXX XXXX XXXX man, I will pass on before making any serious dent on this debt. Please advise me. Can I possibly negotiate with them in a productive, constructive resolution of this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I hope this letter finds you well. I am writing to express my concerns regarding the ability of credit bureaus to accurately determine whether a client is a victim of identity theft. While I understand that credit bureaus play a crucial role in maintaining the integrity of credit reporting, it is essential to acknowledge that there are certain limitations in identifying identity theft solely through traditional credit monitoring processes. Identity theft is a pervasive problem in our digital age, and its methods are becoming increasingly sophisticated. Despite the best efforts of credit bureaus to detect suspicious activities and protect consumers, there are several reasons why it can be challenging to definitively determine whether a client has fallen victim to identity theft XXXX XXXX XXXX XXXX XXXX XXXX I believe it is essential for credit bureaus to acknowledge these limitations and explore more robust and proactive measures to protect consumers from identity theft. These measures could include increased data sharing and collaboration among financial institutions, more comprehensive identity verification processes, and enhanced monitoring for non-financial forms of identity theft. In conclusion, while credit bureaus play a vital role in the financial ecosystem, it is important to recognize the inherent challenges in definitively determining whether a client is a victim of identity theft solely through traditional credit monitoring processes. I urge you to consider these limitations seriously and work towards

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$15000.00}, {$9800.00}, {$4000.00}, {$0.00}, {$0.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

4. XXXX/XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX/XXXX  VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX  with a balance of {$20000.00} -This is not my account.

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 2023-05-03
Company: AES/PHEAA
State: CA
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:
XXXX XXXX XXXX has committed theft and fraud with the assistance of Fed Loan Servicing. They were shut down for stealing funds financial aid and fraudulent loans. They have placed multiple loans on my credit that were not authorized. I received a pell grant which covered my tuition. But they have put XXXX separate loans on my credit without authorization ( 2 years after I was no longer a student ). Not only have they stolen unauthorized grant funds but they have also stolen these funds when i was not even a student when XXXX of these loans were charged.Fed Loan has refused to work with me despite all of the evidence and Police reports filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently received an automated email stating there has been a change to my available credit on my credit card. When I accessed my USAA online account, I found out my available credit had been reduced my just over 80 %. 

I have actively been working to improve my credit and I paid off the entirety of my balance just a few months ago. I have not missed a payment in years. I've had this card over 20 years, possibly 30 years. I've had worse credit. The only time I've had my credit reduced was when I requested to have it reduced years ago. 

I spoke to XXXX, a XXXX XXXX at the company and she read the scripting over and over stating that periodically USAA runs the credit of it's customers and this is their justification. 

During our discussion, she stated they would not increase my credit limit and I could resubmit to have it increased in XXXX months. I shared that was not acceptable. I stated this was a manipulation from USAA to continue to keep my credit artificially low. I shared with XXXX I would file this complaint to you and our state 's attorney general office. 

I paid off over {$14000.00} and carry a zero balance. My credit score has already dropped by over 10 points following this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The issue started in XXXX when I opened my business account and chase would send emails and call my girlfriend at the time with information regarding my account and disclose PII ( Date of Birth ) to her clearly breaching my accounts security. I was able to resolve this with the branch, but now we opened a joint checking account together and her parents are now receiving info despite not being associated with the account. Then on XX/XX/XXXX we noticed a {$40.00} withdrawal from our account for a credit card we do not own. Clearly being fraud we spend XXXX hours on the phone with chase just to be told to go to a branch. We went to a branch that same day XX/XX/XXXX and were essentially told they would not do anything and to just wait until Tuesday when the manager came back. We could not risk more funds being taken so we called in and waited XXXX hours to speak with the fraud department in order to freeze the account, and were told to visit a branch Tuesday to withdraw our funds. We did so and were greeted again with aggressive behavior and told to call customer service or come back another day. We tried a different branch in XXXX today to try to access our money as we are now late on XXXX credit card payments as we have no access to our money, and the manager on duty XXXX was so rude that she literally would not accept our ID or offer to help in any way and even went as far as storming off after speaking to us in an extremely condescending manner. Luckily we video taped the encounter as this feel like chase is attempting to steal our funds and likely has no intent to return our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2021-09-02
Company: Lockhart, Morris & Montgomery Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The collection agency reported a False collection amount of {$930.00} to my account I assume for medical bills which is inaccurate I am XXXX XXXX military and I think they meant to send the information to my father who has my name also. Im a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I sent a Notice of Rescission to EXETER FINANCE LLC and their CEO XXXX XXXX XXXX to make them aware that I was exercising my right as a federal protected consumer to rescind the consumer credit transaction. Per truth in lending they did not clearly disclosed to me how to do so or provide me with the appropriate forms to complete the process. I know that I am the obligor and I have 3 years from the date of consummation of the transaction to exercise my rights. But EXETER FINANCE told me that are not willing to accept my Notice of Rescission, which I know is illegal! And I also sent them 2 Cease and Desist which they continue to send me multiple letters to me and communicate with me through my consumer report indirectly. Just recently they failed to let 2 towing companies know that I have a Cease and Desist in place and had my vessel dispossession from my dwelling. On XX/XX/XXXX my vessel was stolen from my dwelling and the tow company hired by EXETER FINANCE LLC has failed to give me my possession when I called to get my things back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I XXXX non-adverse, non-belligerent, non-combatant, secure creditor with power of attorney general and XXXX on the behalf of the XXXX, have recently came across the knowledge of your possession of information on a Student Loan which showed up on the XXXX ( XXXX XXXX Verification Reporting System ) database. I XXXX has not taken out a Student Loan nor have I signed for a Student Loan for Institution in question XXXX. 
In XX/XX/XXXX, XXXX 's parent company at the time, XXXX, was sued by the state of California for " false and predatory advertising, intentional misrepresentations to students, securities fraud and unlawful use of military seals in advertisements and there are numerous other actions filed against XXXX in various XXXX states as well as United States agencies. In XX/XX/XXXX, XXXX agreed they would close or sell all their schools in the next few months.The U.S. Department of Education announced former U.S. Attorney XXXX, a well known corruption buster, would monitor the sale and closure of for-profit career colleges owned by the failing XXXX. 
On XX/XX/XXXX, XXXX sold XXXX of its XXXX and XXXX campuses and online programs to the XXXX, a new subsidiary of the XXXX. These institutions never existed in the Los Angeles California area historically nor at the time said claim had taken place. 
A court judgement that conclusively finds that I am and were a victim of identity theft has not been provided for I never pressed criminal charges on individual ( s ) who committed the crime due to lack of information on identities or individual ( s ). I demand that the United States Department Of Education immediately Discharge the Student Loan Account No : XXXX due to misidentification and/or fraud identity theft.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

See the documents attached.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-07-27
Company: EQUIFAX, INC.
State: NC
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:
Consumer has notified EQUIFAX of inaccuracies being reported. An FTC fraud report has been filed for all accounts marked as " CHARGE OFF '' and EQUIFAX has been notified. Equifax continues to report these inaccuracies even though Equifax is obligated by the FCRA to remove such items within 4 days. I have pulled my Earnings and Income Statements from the Internal Revenue Services and there has been NO CANCELLATIONS of any consumer debts filed ( XXXX nor XXXX ). I am requesting that EQUIFAX provide documentation used to determine accounts in my name have been charged off. I AM NOT requesting an E-Oscar report. If EQUIFAX does not have documentation to show that these accounts are accurate, they must be removed immediately. EQUIFAX continues to profit from consumers ' reports through securitizing data via the Securities and Exchange Commission file number XXXX. I will be filing form XXXX to notify the IRS of EQUIFAX 's complicity in attempting to defraud the UNITED STATES. I declare that I have not signed any XXXX form releasing my social security number to any alleged creditors for the accounts marked " charge off ''. Equifax has 7 days to provide me with a copy of my updated CONSUMER FILE ; NOT CONSUMER REPORT and the name of the persons spoken to, documentation used, and signed applications with my wet ink signature for all accounts with charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In a nutshell ... Lets ' say I have XXXX in the bank and the bank has automatic draft coverage ( requested this to be removed ). There is a charge for XXXX and another charge for XXXX. Capital One will let the XXXX charge come and then the XXXX. By having the charges come out this way, Capital One has doubled its fee. Instead of XXXX, I am getting hit with XXXX. If Capital One tool the XXXX then the XXXX, it would be only once. They are engineering the process for their benefit. It is predatory.

Company response to consumer: Closed with explanation