BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has unfair business practices for my private student loan and violates regulation z, p, unfair practices etc. 

they have never provided a payment schedule to me, leaving uninformed how I continue to pay money and my loan never resolves. 

they don't provide any tax documents, how interest is capitalized, how extra payments don't all go towards principle and end up paying interest and principle even if in excess I've been on public assistance for basically the life of the loan and my cosigner is also disabled getting permanent XXXX. 

I've provided over 8 applications for cosigner release in the past year and they have no responded to any of my applications with how to submit whatever random evidence they need or require.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Someone without my knowledge or consent made a deposit into my account of {$15000.00} dollars USAA determined this was fraudulent and that I was involved in it which I was not I immediately contacted USAAwhen I saw the deposit to find out where it came from they accused me without proof of behind involved in a scam and warned me any other issues with my account snd they could cancel my membership. On XX/XX/2021 after learning someone accessed or tried to access my account Usaa set my account up for credit only no debit on XX/XX/XXXX only two days later sn.individual named XXXX XXXX  tried to hsve a automatic payment paid yo his or her account to th XXXX XXXX XXXX I do not know this person nor had any connection to XXXX they Took {$400.00} from my account and charged me {$90.00} for insufficient funds fee when I had {$500.00} in the account at the time and whoever gain access into my account tried to set up o a weekly deposit from my account of. {$120000.00} a week funds I didnt even have how was this possible considering they placed my account in a credit only status deposits only is it possible thus XXXX is a USAA Employee targeting accounts that are in jeaporday of being closed? I dont know Usaa feels Im a scammer the only person to profit so far is USAAXXXX  XXXX $ XXXX.they have filed delinquent rrports with credit bureaus they should receive a fine gor this i dm a XXXX 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 2023-07-04
Company: EQUIFAX, 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
Company: EQUIFAX, INC.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX  : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: SG and Associates
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I voluntarily relinquished a vehicle that was a lemon years ago that I bought with a loan from XXXX loan at XXXX XXXX in XXXX Co. They sold the car and the remainder of the loan became my debt which Stafford and Associates became the owners of that debt. They contacted me using a name and the gender I no longer use for I had my legal name change and gender marker change completed 8 years ago. I explained to them to use my correct information and I set up a pay arrangement of {$200.00} a month. If I was late one or two days based on my pay dates, they would call me 2-3 times a day using the wrong name and pronouns repeatedly. I made 3 payments and in XXXX I missed my payment because I fell behind. My intention was to call them in the new year now that I have a new job and do a different pay arrangement that I can afford. They called me 4 times on my number and began to call my family in both XXXX and XXXX harassing them for my information. They got a hold of my sisters partner somehow who does not know my gender identity and proceeded to ask for me with the wrong name and pronouns. This is private information that this new family member does not know and was for me to tell not for XXXX or XXXX who called 4 times to my sisters house in XXXX. I have called angrily to Stafford and Associates to all the numbers I have on file and could find letting them know that this was inappropriate and that my private information was not to be shared with anyone.

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 2020-11-08
Company: Source Receivables Management LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and threatening to place it in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi Team, this is with Apple credit card transaction. I have purchased XXXX XXXX leather case over XXXX. I have returned it within the return policy. Its been 4 months now. still, i am being charged. contacted support every other month and also escalated every time but it is not resolved. 
even escalation process is not effected. this is misleading the customer and need to be resolved. 

I have wasted many days in following up patiently with the support specialist but nothing is resolved. All the promise made to resolved is in vain. 

i need help to investigate this as this could be happening with a large customer base.. 

also Apple has deleted the posted transactions without my consent. This is a question of integrity and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: TX
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
Consumer complaint received 2021-10-26
Company: Experian Information Solutions Inc.
State: TX
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 disputed a predatory collection to Experian advising that the item on my credit was an error. Experian has not removed this as they are only confirming if the info belongs to myself. The item itself was planed on my credit report as fraud. I have tried to work with both Experian and XXXX XXXX XXXX XXXX XXXX XXXX but no one is looking into see if this is a valid collection attempt. - The apartment in question flooded and was unlivable after the lease was completed and went to a month to month. They were alerted we had to move and stated that was ok. Now they placed a charge on my credit fraudulently.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The reporting of this account is in violation of the FCRA for the following reasons : 1. ) I XXXX XXXX never received an original Validation Letter from this debit collector or said original creditor. The Debit Validation was never validated with my notification or my acknowledgment of said debit. 2. ) This debit is being report as a payment. Charge- offs can not be reported as payments. 3. ) Credit pulls were done XXXX XXXX and XXXX XXXX was done without my consent. 

Also XXXX XXXX pulled my Transunion and XXXX credit report on XX/XX/XXXX without my knowledge or consent. XXXX XXXX then reported this account to my credit report on XX/XX/XXXX. XXXX XXXXXXXX and XXXX XXXX have been monitoring my credit from XXXX XX/XX/XXXX all dates after this alleged account was charged-off since XXXX according to documents supplied to the XXXX. Also the XXXX XXXX account was closed on my XXXX report in regards to my dispute. 

The reporting of this account is in violation of the FCRA. One violation in particular is the : FCRA, 15 U.S.C. 1681s-2, and the associated regulations, known as the Furnisher Rule, at 16 C.F.R. 660.

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I submitted a disputed in regards to Fraudulent items that have appeared on my Transunion Credit report. Transunion has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. after doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-10-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2021 received notification from XXXX about someone trying to open account at TD Bank using security questions. TD Verified there was an account in my name. XX/XX/2021 same notification. Called TD bank they escalated it, XXXX also investigating. Back in XXXX had a security breach with XXXX where account was drained via XXXX and Wire transfers via online that was not me. Ongoing issue with identity theft since then. Main issue is the report bank accounts are being opened in my name at TD bank. All credit reports, XXXX, and more have been locked for months so this shouldnt be possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID 19 pandemic, we suffered financial hardship. Our business was shut down, and we lost substantial amount of income. We were granted forbearance by our lender, Shellpoint Mortgage. Our forbearance ended in XX/XX/2021. We were still having financial difficulties, so we asked our lender for loan a modification. They offered to modify our loan but there was no reduction in the monthly payment. How can it be modification when nothing was modified? In addition, there was no guarantee that our monthly mortgage payment will be reduced despite of financial harship. So, we rejected the modification and opted for post COVID deferred payment but it seems like Shellpoint is not willing to help us out to keep our home and prevent foreclosure. They have not seriously offered us reasonable options to retain our home. At this point, we can not afford to pay our missed payments in the amount of $ XXXX in order to update our account. The only options we can think of are modification or Deferred Payment that our lender refused to offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Recovery One, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered into an agreement with XXXX XXXX and there was an error between myself and my creditor XXXX XXXX. They initially forwarded the account to Recovery One , LLC. 

I have since spoken with a manager at XXXX XXXX, XXXX, and spoke to her regarding the account. XXXX accepted the full payment of {$600.00} on XX/XX/2021 to resolve the account, withdrew it from the 3rd party agency, Recovery One , LLC and INSTRUCTED THEM TO DELETE the reporting from my credit reports. 

Instead the company updated the credit report to read, 'paid ' as if I had agreed to any contract with them and paid on THEIR contract. 

I called repeatedly to resolve this issue with their supervisor, XXXX XXXX, with no return call. I've called a few times and spoke with a woman named XXXX, who eventually stopped answering my calls and simply starting forwarding the calls to voicemail. I finally spoke with a woman who calls herself Mrs. XXXX, who suggested I 'give it a whirl ' when I informed her that the account was updated rather than deleted and I needed to speak XXXX XXXX XXXX Recovery 's resistance to correct their reporting. 

XXXX, the manager of XXXX XXXX called Recovery One LLC again on XX/XX/2021 to instruct them that the account was withdrawn and should be deleted with no response from their company. I resorted to beginning with this initial complaint to ensue a paper trail prior to further action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions 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 {$7500.00}, {$8300.00}, {$14000.00}, {$27000.00}, {$2200.00}, {$0.00}, {$15000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


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

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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