BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello! I have been paying monthly and consistently my student loan with Navient. My total balance is not going down, it is going up! I think I am being taken advantage of. I need some legal advice and help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX XXXX Balance Owed : {$170.00} ; XXXX  XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$78.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 2023-03-22
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my watch to a company XXXX XXXX XXXX, they sent me a check for {$3200.00} on XX/XX/2023, I deposited the check in my account electronically via my phone app with CHASE Bank , couple of days later I try to use my card and it gets declined. I call the bank and they said the check was flagged as potential fraud and consequently they restricted my account and may close it and they need the issuer to call them to tell them the check is legit. I provided them with several numbers after contacting the company, CHASE kept repeating that none of these numbers are verified. Their next suggestion was for the company to recall the check, the company refused to do so, their reason is We can not void the check anymore because your bank CHASE cashed and scanned it. So we cant void at this point. Chase kept toying with me for a week repeating the same thing, claiming procedures and not trying to help or look for an alternative, consequently, I am late on my bills, my credit score has been damaged due to Chase actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
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 is missing that should be on the report

Complaint:
I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please 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 explanation
Consumer complaint received 2022-05-04
Company: Amsher Collection Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified that I had collections from XXXX under Amsher Collections agency. I called them, and they informed me that someone had a collection of {$2500.00}. I have never used 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

The above message was sent via mail on XX/XX/2023 to the Credit reporting agency regarding a student loan account. They refused to follow the law on XX/XX/2023 that clearly states they are in violation of government code 15 USC 1681a. I've requested the account to be removed from my credit 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 2021-06-03
Company: EQUIFAX, INC.
State: LA
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:
wrong info please see fraud laws : FCRA violations 017 XXXX  XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: QuadPay
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone went on to Quadpay ( changing to XXXX XXXX ) on XX/XX/2021. Originally they tried to use my phone number to access my account and couldnt because the verification code was sent to me- so they further changed the phone number to gain access. 

They made two purchases using my name, address, and email. Only changing the phone number. The credit card they are using does not belong to me. It is possible that the credit card they are using is stolen, and that is why the hacked someone elses account to make the purchase instead of using their own account. 

The credit card they are using is listing my name and address as belonging to the credit card. I can only see the last 4 numbers of the credit card which is Visa - I have double checked all my cards and this does not belong to me. 

I have reached out to quadpay since XX/XX/2021 via the customer service chat and again, on XX/XX/XXXX via email and again on XXXX XXXX with no response or help with this issue. 

I was able to log in using my email address to see the transactions - both to the same merchant which I cant find any information for - 1 purchase for XXXX $ and another for XXXX $ to a merchant called XXXX the phone number listed with the order, I called with no answer. 

I would like this to be noted and taken care of as I do not want any fraudulent behavior associated with my name or information. 

Thank you so much.

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 2023-07-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have 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 non-monetary relief
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: PA
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:
I am beyond annoyed this will be my second complaint I have submitted about my reports not reporting 100 percent accurate I know these errors are FCRA violations. I don't want to have to file and take this matter to the next level. I asked for proof of debt and after 90 days I have heard nothing from anyone. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$360.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: VA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The credit company failed to follow proper federal credit reporting act prior to putting four medical debts on all credit bureaus. The medical debts were removed from my credit report, then put back on prior to following proper procedure. I had health insurance at all times in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: NV
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:
Equifax is reporting on a bad, invalid junk debt collection note acquired by XXXX XXXX XXXX XXXX ( junk receivables collectors ). The Creditor listed is " XXXX - XXXX XXXX XXXX , XXXX. ". The original debt they are reporting and attempting to collect on from XXXX / XXXX was resolved years ago with XXXX and XXXX. As noted on the attached document a billing error was noted and the matter can not be billed to me XXXX the patient ). The matter closed with a zero balance. 

This erroneous error must be removed by Equifax in accordance with the FCRA. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Maximus Education, LLC dba Aidvantage
State: CT
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:
I contacted Aidvantage on XXXX and requested a XXXX  student loan repayment refund for all payments made since XXXX XXXX XXXX. 

I was later told that my refund request was processed on XXXX  and that it would take the Treasury department 10-12 weeks to issue me my refund through direct deposit ( the method I paid ). 

I have not seen my balance updated on Aidvantages website. It has now been 8 weeks and I called Aidvantage on XXXX following up on the status of my request. I was told that it has not been processed and that it is taking kind of long so the representative would insert a note that it should be expedited. The representative then went on to say that it may still take an additional 2-4 weeks on Aidvantages end. 

I was told initially ( XXXX ) that it would take 10-12 weeks for me to receive my refund. 
After 8 weeks why hasnt my student loan balance at least been updated and my refund sent off to the US Treasury?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021 I sent Transunion a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to Transunion on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2021-10-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 XXXX XXXX and Mazda Financial Services presented me with a false and deceptive piece of documentary evidence presenting itself as a Consumer credit transaction. I proceeded with the transaction only to find fraud committed against and my Consumer rights violated pursuant to the Truth In Lending Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act & the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint on XX/XX/XXXX stating that Mr. Cooper Mortgage told me that XXXX XXXX was included in my escrow. Mr. Cooper agreed to pay for the outstanding tax bill with my escrow. They charged me two separate payments of {$1900.00}, but only paid XXXX XXXX   {$1900.00}. So I filed another complaint on XX/XX/XXXX where Mr. Cooper confirmed they reached out to the wrong entity on XX/XX/XXXX again, City of XXXX. I have repeatedly over the last few months tried to provide Mr. Cooper with the correct contact information. The last attempt was to XXXX  in an email response on XX/XX/XXXX I'm yet to receive a response. I requested a reschedule of the foreclosure trial that was suppose be XX/XX/XXXX Now it's XX/XX/XXXX. Here 's the following email from XXXX XXXX confirming Mr. Cooper has never contacted them.

From : XXXX XXXX <XXXX> Date : XX/XX/XXXX at XXXX XXXX CDT To : XXXX XXXX   <XXXX> Cc : XXXX XXXX   <XXXX> Subject : Re : XXXX XXXX v. XXXX  / Cause No. XXXX XXXX XXXX XXXX XXXX is with the City of XXXX, not with XXXX XXXX XXXX. She does not have knowledge of the collection matters. She can simply look online like any person.

Additionally, recordings of non parties are inadmissible hearsay.

XXXX -- XXXX XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX   XXXX XXXX <XXXX> wrote : Hello XXXX XXXX I have a recorded voice conversation onXX/XX/XXXX where XXXX from XXXX XXXX told Mr. Cooper those were the only fees due. Mr. Cooper will try to reach out to you today to try to resolve this issue again.

XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX <XXXX> wrote : XXXX XXXX, Attached please find the Plaintiffs Notice of Trial in the above-referenced matter.

Respectfully, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

The Overlook at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX T : XXXX XXXX F : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-10-01
Company: Experian Information Solutions Inc.
State: PA
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:
I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed.

FDCPA section 807 violation misleading information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}

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 2018-08-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never made a contract with AWA, I sent a letter and Im mailing a copy to CFPB as well according to Section 609 ( a ) ( 1 ) ( A ) XXXX, XXXX, and XXXXx are required by Law and AWA Collection Agency to provide proof that I intact had a signed sealed and delivered contract and I did not and this was paid I want it removed and they have also fraudulently placed a date saying I started a contract with them on XXXX and thats not true they can not create a false date and a false contract and thats what they have done. This contract to my understanding was from XXXX with a company called absolute bail bonds when I verified I was told this was originally opened 13 years ago. I am a victim to fraud at this point and absolute has lied saying I made a payment on the account on XXXX and thats fraudulent as well I don't owe this why would I pay it.

Company response to consumer: Closed with explanation