BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX, along with my financial consultant Mrs. XXXX, contacted the company named Naviant the SECOND alleged collection agency for my bank XXXX XXXX XXXX XXXX XXXX. The First agency sent me a letter confirming that the Debt was paid off and there was a XXXX Balance. I went back to the Bank XXXX XXXX to attempt to reopen a bank account for myself so that I could do business but on my return, the bank again said No because I still had an outstanding balance with the SECOND debt collector Naviant, and I would have to contact them to settle the account. I contacted Naviant and told them that I received the letter from the First collection agency for the bank and that I was not understanding how there were two collection agencies for this one bank. I asked them to check their files and see if there were still any outstanding balance and if this letter covered that amount as well. That initial contact was around XX/XX/XXXX ; from that date until XX/XX/XXXX ; I heard nothing from Naviant in regards to their investigation. Meanwhile, I am being prevented from being able to do any banking due to this alleged outstanding balance. So, I wrote to them on XX/XX/XXXX informing the company that they were not in violation of the Fair Debt Collection Practice Act ; and other consumer protection laws and that they also needed to send me a letter that this debt was not owed because any alleged debt owed to them or XXXX XXXX  is BEYOND THE STATE OF LIMITATION for enforcement of that alleged debt. I and Mrs. XXXX contacted Naviant again today, XX/XX/XXXX. I gave them permanent authorization to speak to Mrs. XXXX in reference to the alleged debt and any information they came up with and the Rep. said that they would contact Mrs. XXXX, by the end of business day today, in reference to her findings. Also, this rep stated that they sent to the XXXX XXXX ( 2 ) request for validation & notice of my debt challenged and they have heard nothing from XXXX XXXX yet in over ( 2 ) months, well beyond the required legal limit to respond when a consumer challenge a debt. This is ridiculous and complete Unsavory & Bad Business Practice and his hurting my business and unlawfully preventing me for participating in Commerce & unfairly & unreasonably preventing and obstructing me from the Financial Banking world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Loan Science, LLC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX who is under a loan servicer called Loan Science have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My agent submitted the ss package to Chase and was waiting for the value. We made the instructions " appointment only '' " call listing agent ''. My agent received no call, and now they are saying that an appraisal was done on XX/XX/XXXX and that was trespassing. We wanted to control the appointment since my agent wanted to show them all the damage in the home from squatters, as well as some other issues on the property. There is almost no way this will be an accurate report and the result will be a foreclosure if someone doesn't force them to do a SUPERVISED report that my agent can confirm had all the elements that affect value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TD BANK US HOLDING COMPANY
State: NY
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:
never told me about {$18.00} overdue balance have tons of credit, and then they decided to report me without notifying me at all about the balance. I have almost all my accounts on autopay, this one is not LOOK at my record. They are trying to use systemic fraud to collect late fees by not informing their customers its only a few bucks for me which I paid immediately but these guys are definitely fraudsters and should pay the price. I will be paying the price unless this is completely removed from my credit. I am taking them and all the agencies to small claims court, I just had to wait for it all to show up on my credit reports to do that. Maximum damanges and possibly individual cases. Hopefully you can do something to to stop this fraud! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting incorrectly to Equifax a collection for XXXX XXXX XXXX partial account number XXXX - in the amount of {$2600.00}. ( Please see page 51 of the attached credit report. ) I resided at XXXX XXXX XXXX, XXXX, TX XXXX from XXXX to XXXX - well over 14 years ago. The name of this apartment complex now is XXXX XXXX. The apartment number noted on the collection is XXXX. Pursuant to the Apartment Lease Contract ( copy attached ), my apartment number was XXXX. Clearly they have attached this collection to the wrong unit number and wrong person. I never, in the past nor the present, received any documentation that this debt was owed by me or an itemization of what this debt consists of. This incorrect reporting by Equifax has just recently appeared on my credit report. This incorrect reporting of a collection is a violation of the Fair Credit Reporting Act, and is also prohibiting me from obtaining a new residence and is harming my credit score. I have contacted Equifax to have this line item removed from my credit report but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: OH
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:
An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Mobiloans, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have this {$1000.00} dollar loan since XX/XX/XXXX. As of today, I owe {$810.00}. They take a total about {$300.00} a month, split bi-weekly payments and i am still not finished paying them. Recently, i noticed that there has been a complaint filed against Mobiloans because of high interest rate, which Virginia won the case. Because of this I received an email on XX/XX/XXXX from Mobiloans stating that they are no longer doing business with Virginia  customers.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX is reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at the is address I have lived at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX They are reporting a fraudulent account that does not belong to me and I want it deleted immediately. I have attached proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-03-16
Company: BANK OF THE WEST
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To Whom It May Concern, Please may I request your help? I had a checking account opened with the Bank of the West for the last year, given the fact that it was the only national banking institution in a very small town in Iowa. When purchasing a home in the area, I was instructed by the XXXX XXXX XXXX to instruct my bank to set-up an ACH withdrawal monthly, to ensure the payment was made on time. Upon doing so, I personally went into the bank on XX/XX/XXXX and spoke with a teller directly. I specifically put in a telephone call, when in the bank to clarify my routing and account number with XXXX XXXX.The teller representing Bank of the West. The teller argued that the XXXX XXXX XXXX had the wrong routing number and insisted that the number that she relayed was correct. The payment never posted to my account and I was reported 30 days late to all three credit agencies. Company policy with XXXX XXXX is that if a payment is returned, they will not attempt the next monthly payment, therefore reporting a 60-day late notice to all three bureaus again. I was not aware of this until after the fact. I immediately contacted the Bank of the West and they claimed that the fault was placed on XXXX XXXX. I consistently telephoned the company daily until I finally spoke with the one supervisor named XXXX, employee number ( XXXX ) representing XXXX XXXX. I was again informed that a third attempt had been made to the Bank of the West for the month of XX/XX/XXXX that again had been returned. This now has resulted in placing my credit in deep jeopardy. I personally went into the Bank of the West again to ask them to research exactly why these payments were returned. They again placed the fault on XXXX XXXX XXXX and denied me any further help. The supervisor XXXX ( XXXX ) representing XXXX XXXX, Telephoned me back after researching the exact telephone call that had been placed by me initially ; from the Bank of the West to establish the ACH withdrawal. There is a taped recording timed at XXXX XX/XX/XXXX. The teller representing Bank of the West clearly stated the wrong routing number. Please I ask you to help me with this very serious error on the part of the bank. The fault is completely theirs and my credit has been devastated by this massive mistake. Thank you, very sincerely.

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 2022-03-25
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from credit collection services, asking to pay {$240.00} for XXXX XXXX XXXX  done in XX/XX/XXXX ( during COVID19 peak season when I had insurance with XXXX XXXX  Plan ). 

My medical condition warranted a XXXX XXXX XXXX, and so provider ordered one ( covered by insurance ) and test was conducted by XXXX XXXX. Between provider and insurer the procedure and diagnosis code were incorrectly coded and hence disposed as not covered. The test is performed at {$40.00} ( as published by XXXX online ). However, they attempted to collect unproven debt from me, as well as initiated a new claim with insurer. 

In early XX/XX/XXXX, I had a conference call with provider to have them give the right codes on the same call to XXXX, and requested them to correctly code the procedure. 

3 things concern me - 1. XXXX is price gauging ( why would they charge anyone more than market price online ) and defeating the intent of surprise billing instituted earlier this year. 
2. Inspite of my provider and me helping them with the correct code, they concurrently sent the paid amount to debt collection. 
3. According to CDC, AAFP, and other medical authorities my preventative diagnostic for XXXX XXXX is fully covered by under healthcare regulations, so its very surprising to see Quest flaunting those rules.

I would like to request a copy of this grievance to be shared with credit bureau and i will happily provide details to substantiate my request

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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:
XXXX I found XXXX things in my credit profile, account that are not mine and can not be mine as I do not recognize them. I have no idea why I have them, and why nobody have made any investigation. Its not fair therefore I ask you to remove them finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE DISPUTED INACCURATE/FRAUD CREDIT CARD ACCOUNT THAT IS REPORTING ON MY CREDIT REPORT. CREDIT BUREAUS WAS GIVEN XX/XX/45 TO PROVIDE PROOF FROM INVESTIGATION THAT THEY USED TO SAY THE DEBT WAS VERIFIED. CREDIT BUREAUS REFUSE TO PROVIDE ME WITH INVESTIGATION RESULTS OR TO REMOVE THE XXXX COLLECTION FROM XXXX XXXX XXXX XXXX XXXX AMOUNT OF {$26000.00}.

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 non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: TN
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:
Experian, XXXX are continuing to violate my rights to accurate reporting and are not being held accountable for inaccurate information an Incorrect Bankruptcy has been sitting on my report for over a year and they keep responding with a false verification Experian and XXXX are both liable for damages for {$1000.00} per violation for willful noncompliance in which they failed to comply. Pursuant 15 usc 1681n-any actual damages sustained by the consumer as a result of the failure or damages of not less than $ XXXXand not more than {$1000.00} ; At this point I plan to exercise my right to collect remedy because i have given much time for this issue to be fixed and I have also been very patient. 
I have attached documents once again including responses directly from XXXX XXXX  to prevent form being rejected as a repeat complaint XXXX also states that XXXX which is Third party reporting with no writtten consent from myself to report any information is claiming that they dont have to follow any consumer rights which is a huge problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In late XX/XX/XXXX, XXXX contacted me and requested a {$10.00} payment and then another {$150.00} payment on XX/XX/XXXX. On XX/XX/XXXX, they cancelled my account and did not appear to take the money out. On the same day, their authorized dealer that initially set up my account, advised me of the disconnected account which confused me given the arrangement on XX/XX/XXXX. XXXX from XXXX XXXX in XXXX GA, an authorized XXXX dealer, told me that XXXX disconnected my account and she did not even see the payment. She then advised me that I could start new services with her. I was going to move forward. 3 days later my account was debited by XXXX XXXX but my account was still disconnected. Due to this error and lack of communication, my account was overdrawn and I was charged fees. I called the XXXX dealer and XXXX XXXX who BOT admitted they caused the error and XXXX XXXX agreed to refund my money in 3 business days. That turned into 14 days which has now turned into nothing. On XX/XX/XXXX, I called XXXX XXXX with XXXX ( XXXX Dealer ) and we discovered that, as they previously admitted, they owe me the refund but now are unable to send it due to their system errors and employees that basically screwed the account. XXXX XXXX told me to go to the XXXX dealer. The XXXX dealer bounced me back to corporate. So i just dispute the charge with my bank because I was charged for something and did not receive the service! I disputed on XX/XX/XXXX with BOA. On XX/XX/XXXX, today, I received the usual notice that the claim could not be paid because it was authorized. I call in and speak with XXXX ( XXXX ) and am told that because it was an ACH transaction basically it is ok for the merchant to take monies from me and not provide a product or service. Bank of America is the worst and THIS TIME I am closing ALL of my accounts! WHY does BOA make consumers FIGHT against businesses with no integrity. It should be open and shut- no services or product, no money! Instead, the make ME fight to get my money back! I have not been able to resolve this with XXXX XXXX, the dealer, or BOA. These type of experiences make the greed and lack of integrity in the world much more disheartening!

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 2021-09-20
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation