BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company NAVIENT ( XXXX ) called my part time job and upset my XXXX by saying that I MUST call them today. I am an XXXX XXXX there at XXXX XXXX College and otherwise retired. I have n't worked there since XXXX 2016 because my wife is very sick she is waiting for a XXXX XXXX. At my home we only answer the phone expecting to hear from the XXXX XXXX XXXX. So it was equally disturbing for someone from the College to call telling me at home to tell me that someone from NAVIENT a XXXX XXXX I do n't recall the last name, saying I had to call them TODAY. I have told them many times to stop calling so I hereby file this complaint in the hopes that your agency can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-17
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am asking that the company, Resurgent Capital Services ( lvnv ) provide me with something in writing before I pay them. They refuse. I want the lvnv removed from my credit report. The debt was a credit card e keep passing it around to collection agencies. I refuse to give anyone my bank info without something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  On XX/XX/2019my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats 117 points negative. 
When I called XXXX  I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to XXXX  I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of XXXX  if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like XXXX  cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect on 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive recently reviewed my credit reports and notice in accurate information and accurate name, variations as well as in accurate phone numbers and addresses which I believe led to an accurate credit reporting across-the-board XX/XX/2022. I was a victim of identity theft when someone removed money from my electronic benefit, transfer card From the ATM without even having my card, the car was in my possession the whole time and this was done proximately XXXX miles away from my location.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$860.00}

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 2017-07-17
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ON XXXX/XXXX/15 CONVERGENT OUTSOURCING INC CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the XXXX XXXX XXXX ACCOUNT AND I DID PAY OFF A TOTAL OF XXXX AND NOW XXXX XXXX XXXX IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING XXXX XXXX  AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.

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 2017-07-17
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I get 3-7 calls a day at all hours. I 've been woken up in the middle of the night, interrupted while with family, etc.
I asked them to stop and it seems like they have increased frequency instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: OR
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/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 2017-07-17
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:
I have contacted EXPERIAN bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX    TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EXPERIAN AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX  EXPERIAN BUSINESS CRED XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   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 2017-07-17
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal is holding funds for item that I sold and wont allow me to have MY funds for 180 days. this is illegal in my home state of WV and am requesting the funds be released per law, IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had bought a car from US Auto Sales l. I have been honoring my end of the contract and they have not. My vehicle is not operational and has not been operational since the company went out of business. I really need this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
I would like ( CREDITREPOTING AGENCY NAME HERE ) to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX they have caused me and my family.

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 2023-10-09
Company: Netspend Corporation
State: OK
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Hi I have a NetSpend prepaid card and NetSpend is holding my money to my government check and will not release my money to me they had blocked my last card cause of transactions that I didn't know about and they disputed the charges that was on the card they sent me a new card and they have blocked it put restrictions on the card so I have no access to my money and they will not release me my money from my government check to me on the card they told me to verify my identity and they will check my account to access after I verify my identity they still will not release me my money to me on my card taking me through verification after Verification process and keep continuing to hold my money so I still have no access to my money they have also charged me for a card that I didn't order social security can't help me as they said they are not responsible for early deposits to the NetSpend card and told me that I needed to deal with NetSpend to get my money from them but NetSpend will not release my money to me I've tried to pay two bills it declined payment and I couldn't even get any money from the card at two different ATM locations as NetSpend locked my card and put restrictions on the card when I call NetSpend to talk to them about me not being able to get any money off my card at any ATM locations they take me through verification process again as to see if they can open and look at my account and saying my answers are not what they have on file someone has hacked into my NetSpend account and changed my email address that I had set up with my NetSpend account so i can't login to NetSpend to change password or on the NetSpend app and I still have no access to my money or account and they have changed my anytime alerts number that i had set up with NetSpend so i cant get any texts alerts from them i also cant pay my rent buy any food or pay any bills can't even pay for my prescription meds as NetSpend locked my card and have restrictions on my card and I still have no access to my money please call me XXXX at XXXX thanks

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 2023-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America issued me a 1099-C in XXXX. I reported this debt cancellation on my XXXX  tax return. Bank of America never sent me a lien release. Instead, they sold the XXXX account balance to another company called XXXX XXXX Bank of America preyed on my lack of knowledge of what a discharge meant. And XXXX led me to believe a discharge happened because of a bankruptcy, which was never the case. Both of these companies need to be fined and sanctioned.

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 2019-08-08
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
Navy Federal Credit Union has hard pulled my wife and my credit reports multiple times without our consent.

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 2023-10-09
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am unable to afford my SAVE plan payment, so I applied for a term based repayment plan that I could afford with NELNET on XX/XX/XXXX. I received an autoreply email that it would be processed in XXXX days. On XX/XX/XXXX, I received a bill for the original, unaffordable XXXX plan payment. I again tried to request a term based plan on XX/XX/XXXX and received the same auto response that it will be processed in 7-10 days. I spent several days last week on hold for 2-3 hours at a time to try to get an update on the repayment requests, but I never got a hold of anyone. I have a job and can not spend 8 hours at a time on hold. I have sent several emails via Nelnets web contact form requesting assistance and an update on my term based repayment requests, but I have only gotten automated responses to those as well. 

My payment is due on XX/XX/XXXX and I will not be able to afford it. I have been trying for over a month to get into a repayment plan that I can afford, but Nelnet has absolutely no customer service. If my payment is not made on XX/XX/XXXX, I could go into default and harm my credit score, despite my efforts to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX : received email that Bank of America Advantage SafeBalance Banking Account # : XXXX was approved and opened. I never requested this account. 

XXXX : noticed monthly fees being charged to the account that I didnt open. After numerous phone calls BoA said they would refund the fees and close the account. Someone called back and said another department had to close the account. I called the other department and got transferred around some more, finally got someone to say they would close the account. 

Confirmed the account was opened with my social security number and a previous home address from XXXX. 

The account is still open today.

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 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My mom wrote me a check from an account she had been saving for me for college. It was a CD account so when the CD closed it transferred to her account. There was a mix up and the bank closed the account and sent my mom a check. My mom did not know this when she write me the check so it ended up returned. When I found out I tried to call the bank to catch it before anything happened, but by then they had frozen my account. I called a few times to get this resolved and kept getting referred to other departments. Now today  XXXX . XXXX .2017 I went to the branch to see what can be done. They told me the account can not be reopened, however I found out that they 've flagged me as fraud. Bear in mind no one from the bank called me to let me know this is what happened even after several attempts to find out what 's going on. This is not fraud and I can not believe Bank Of America would just close my account and flag it as fraud without finding out what 's going on. I just graduated high school and heading to college, what do I know about fraud? I strongly believe Bank Of America should confirm before destroying people 's history by labelling them as fraud. This will seriously affect me at such a young age and whereas i know they have the right to close the account, they should not be allowed to just use fraud as an excuse. I have paid the balance owed and would like Bank of America to remove that red flag from my history. Thank you.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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