BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2017-04-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For the past 2+ years, I have given Navient specific directive to the penny on how to repay my XXXX individual loans. I have been told that they are doing what I asked, but on 3 separate occasions now, I have found out that they in fact ARE N'T doing anything that I have asked. So each time I am being assigned a new " advocate '' who 's job it is to assure me that they will be the ones to set this straight. So some of the problems. Navient refuses to show you a breakdown monthly of how much interest you are charged. Texas however has consumer protection which require lender to display this info. Navient claims that their yearly display and a formula to calculate it is enough. That is the lessor of my 2 main hangups with Navient. The second is Navient is n't using the loan specific payments which I and my 3 separate advocates have specifically setup for each loan. I have confirmation from senior customer service folks at Navient that for the past 2+ years they are simply applying my loan specific payments HOWEVER NAVIENT SEES FIT. Well I got a new advocate last week to try and fix it for the Nth time and now my account history is missing. At this point the variance is in the XXXX figures and growing daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 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 a 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
Consumer complaint received 2015-04-03
Company: Earm LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On or about XXXX/XXXX/2015, I received a voice mail from XXXX ; they were looking for a party other than myself. I promptly contacted the number, inquired about the company ( MAC ) and informed the representative that I would very much appreciate if their company made no further attempts to contact me, and to do so would be considered as a violation of my right to privacy. On or about XXXX/XXXX/2015, I received another call from the same number. I repeated the steps taken in the first call. On or about XXXX/XXXX/2015, I received several calls from an " unknown '' number. Contacted XXXX ; was informed that they had in fact called and would continue to call. So, I continued to call them. After s-e-v-e-r-a-l calls, I began being threatened with law enforcement, litigation, and was even threatened with calls at XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-10
Company: Profit Services Group
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:
XXXX XXXX XXXX {$830.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2022-09-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-04-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I called Navient on XX/XX/2007 to ask if I can allocate my payment of {$800.00} a month to aggressively pay my two higher interest loans of 15 % and 11 %. They said I could and that I was able to do it on the site. I also asked if they could work with me on lowering my interest with these loans since I 've been making on-time payments for over a year. They said they could not negotiate. I explained that I am working XXXX jobs 7 days a week to try and afford my payments of {$800.00} and wish the payment would concentrate more on the higher interest loans. The monthly interest alone on these XXXX loans add up to {$400.00}. I financially planned to pay off compounding interest only on my other XXXX loans and to allocate the rest of the {$800.00} dollars to the other XXXX. Which is what I did online. It was simple. However, after the period closed, my loans were past due. I called Navient again on XX/XX/XXXX to clear this up. The representative named XXXX was very unhelpful. I told her that the previous representative misled me and if I would 've known that this would happen I would n't of done it. After an hour of unsucessfully talking to her ( of which I asked several times to speak with someone else ) she said that they would reallocate my payment to bring my account current. Then she surprised me by saying that I would still be {$40.00} delinquent which baffled me. I told her I payed {$800.00} which is what my bill said online. Where is this {$40.00} coming from. She could not explain. I told her that why would they say on the site what my payment should be if it 's not what it truly is? She could not explain this. Again I told her they are misleading and malicious. They are not willing to work with me. I have a full time career and a weekend job just to live and pay these ridiculous bills with interest so high I am buried in capitalized interest. After the phone call over a week ago I am getting phone calls informing me that I am delinquent. I 'm not even sure if they re allocated my payment to make it current because it has not shown on my account and I am getting voicemails while I 'm at work. The representative could not help me. It 's a dead end. It does n't help that she did not speak good XXXX and continued to contradict herself and misinform me. Navient has not made an effort to help me with my loans despite my good standing and pro-activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been on the phone with Neltnet all XXXX. In XXXX, I asked them to send me my full loan payment history in the mail. They said they would, but it would take a couple of weeks. I never received the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Resurgent Capital Services L.P.
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:
I have disputed this account numerous times. The account does not belong to me. I have never applied had or applied for a account with XXXX XXXX XXXX or LVNV FUNDING XX/XX/XXXX and its reporting to my credit as a derogatory account. I have no knowledge of this account at all. Drivers license and social security cards should be required before someone is allowed to apply for a account because this is not my doing. There is also a hard inquire on my credit report for XXXX XXXX DL and I did not apply for a account with them either. I contacted them and they told me they dont have a application on file for me to even be able to help me but its definitely on my credit report XX/XX/XXXX as if I inquired with them. I dont understand what is going on. This is very frustrating and not fair to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Tunnell & Raysor, P.A.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
An illeged debt in the amount of {$1600.00} was sent to the credit beauraus. The illeged debt was then disputed for inaccuracy and to validate ownership of the illeged debt via original signed contract which was never furnished. The illeged debt appears to have originated with XXXX XXXX and then sold to debt buyer XXXX XXXX XXXX. The debt buyer then illegally tried to collect of the illeged debt, and eventually filed a lawsuit unbeknownst to myself as the address associated with the debt is incorrect. I only learned of this as my employer has informed me of a wage garnishment set to start next week. The lawsuit No. XXXX has cited an orignal illeged debt amount of {$1600.00} which differs from that which was falsely reported to the credit beauraus, which is a violation of my consumer rights. The attorney XXXX XXXX, who is attempting to collect the debt is also in violation of several laws, as he us acting as a debt collector. I have listed the violations below and request that ALL communications and attempts to collect this elleged debt be ceased immediately a d removed from all credit reporting agencies. 

1.Pursuant of Rule 60 ( A ) ( B ). Original alleged debt In the amount of {$1600.00} was sent to the credit beauraus. Illeged debt was disputed for inaccuracy and proof of debt validation ( original signed contract ) which was never furnished. XXXX XXXX XXXX. XXXX states original debt I'm the amount of {$1600.00} which is completely inaccurate. 

XXXX of United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX And XXXX v. XXXX XXXX XXXX XXXX. XXXX L.. XXXX. XXXX. XXXX XXXX. Attorneys can't testify ; statements of counsel in brief or in oral argument are not facts before the court. 

XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX. XXXX A. An attorney for the plaintiff can not admit evidence into the court. He is either an attorney or a witness, '' and, " Statements of counsel in brief or in argument are not facts before the court. '' XXXX of XXXX XXXX XXXX XXXX S.Ct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al., Petitioners, v. XXXX XXXX XXXX No. XXXX. Supreme Court XXXX XXXX XXXX XXXX XXXX lawyer who regularly tries to obtain payment of consumer debts through legal proceedings meets the XXXX 's definition of " debt collector '' : XXXX who " regularly collects or attempts to collect, directly or indirectly, [ consumer ] debts owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
As a customer of TD Bank, I received an email message XXXX XXXX informing customers that the bank would be increasing its monthly fee for paper account statements from {$1.00} to {$3.00}, beginning XXXX XXXX. Here 's a portion of the email message : " Heads-up. The paper statement fee is increasing to {$3.00}. But don't worryyou can avoid this fee just by enrolling in paperless statements. Plus, when you make the switch, you'll eliminate clutter, help the environment and enjoy XXXX access to your account information. '' Tripling the fee adds up to {$36.00} per year per customer, which is exorbitant, and amounts to coercion to transition to online banking, which I, as a senior citizen, wish not to do. This move presents a hardship to seniors I know who aren't on the internet and to lower income customers, especially in rural areas, who don't have access to reliable internet or who simply can not afford the service. 

As the XXXX XXXX XXXX XXXX notes in a XX/XX/2016 paper, " Paper statements must be available for free for consumers who want them, and consumers should not be coerced into electronic statements or steered into them by default if paper is the consumer 's first choice. '' In the report XXXX enumerates several reasons regarding the importance of paper statements as a consumer protection : XXXX XXXX XXXX I have been willing to pay the {$1.00} per month fee to receive paper statements because I think having a hard copy for my records is important ; however, I feel " taken '' by TD Bank 's move to triple the fee. 

As XXXX writes, " Unfortunately, some financial institutions are aggressively pushing consumers into electronic statements, using tactics that are questionable and arguably illegal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Fairway Independent Mortgage Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home and outbuildings were damaged by a hail storm on XX/XX/2019. Our insurance company issued a check for repair and replacement in the amount of {$64000.00} that was issued to us and our mortgage company. The funds are being held in escrow and, after months of submitting contractor documents, receipts for work paid for, the mortgage company refuses to release any funds. We requested a 50 % inspection so some funds could be released and the inspector sent her son who was not qualified to do the inspection ( which we failed at 32 % ). Our loan has recently ( XX/XX/2019 ) been transferred and after speaking with the new loan servicers we were told that we would have to start the process all over from the beginning as the documents we have originally submitted did not carry over to the new servicers. We have depleted our entire savings account paying for the work that has been completed on our home : Big Shed doors ( {$4800.00} ), front entry door ( {$2400.00} ), shop garage doors ( {$3200.00} ), bay window ( {$1600.00} ). We have a  new roof that has not been paid for because they are also doing the siding on our home. The siding is lying in our driveway ( for one month ) waiting for us to get the bay window installed. I should mention that I have been given conflicting information every time I call the loss claims office. One person says I need to submit a surety bond, another says no, one says I need to request an exemption for work on outbuildings and then it is rejected, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This inquiry does not belong to me and appears to be fraudulent. I have no knowledge of these inquiries and request that you take immediate action to address this issue. I have attached relevant documents 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 explanation