BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-14
Company: Navient Solutions, LLC.
State: TX
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:
The issue is Navient 's ( Sallie Mae Student Loan Debt Servicing ) illegal data mining on my private computer. Today, XX/XX/2018, while on-line at Navient 's site filling out my annual application for income driven repayment, the Navient site requested that I update all of my personal information. When I hit the auto-fill option for telephone numbers, it listed all three of our telephone numbers ( 2 cell and 1 landline ). Plus a lot more that shocked me. Two of Navient 's auto-fill entries pertain to private information that has nothing to do with Navient and is only saved on my computer. One suggested ( Navient ) auto-fill telephone number is a local government agency I've been dealing with since XXXX of this year. It also listed that governmental email address. The other suggested auto-fill entry had an entire sentence from a personal letter, saved in a file folder about 7 layers deep within MyDocuments. That specific sentence is unique, and entered only one time, in one letter, saved in a separate file folder, even deeper within MyDocuments. It was never transmitted by email. That letter was written, printed out, and hand-delivered in a meeting. I've photo recorded both of these " illegal '' privacy infringements on my phone, and sent the pictures with a detailed explanation to as many people as possible. The message being, get off the internet and stay off. The " hackers '' we hear about on the news is the US Government. This Governmental infringement on privacy will destroy the internet. I'm off line, permanently. I will wait for an internet response from CFPB to get a telephone # to continue this discussion if you wish. All discussion after that will then be via snail mail. If I don't hear anything within a reasonable period of time XXXX just lost another customer. I'm going back to snail mail. The internet is dead as far as I'm concerned. I will contact XXXX and some-how find out how to download en mass everything I've ever entered on their cloud server, to hard-copy paper, and then shut down/delete everything in the Cloud. Governmental infringement on privacy is the death knell for the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : XXXX XXXX XXXX XXXX XXXX | NOT MINE EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX | NOT MINE XXXX XXXX, XXXX XXXX XXXX, XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX & CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX CAINE WEINER XXXX Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: CA
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:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX-Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, INC.
State: TX
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:
reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX  Account Type XXXX XXXX   Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened DateXX/XX/2016 Closed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XX/XX/XXXX Original Creditor XX/XX/XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XX/XX/XXXX {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XX/XX/XXXX Original Creditor XX/XX/XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XX/XX/XXXX XXXX XX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contacted Kohls to set up payment assistance during covid pandemic in advance so as to ensure there were no surprising on my end with the understanding I could potentially be out of work for months. Company was offering two months they said they applied everything was good to go and I would have nothing to worry about. 


About 3 weeks later I get another bill and the original is still reflecting online as due plus a late fee. They said dont worry at all the system is very overwhelmed the re made a mistake I put it wrong and we would get it fixed. I left it alone then i received a 30 day delinquency on my credit. At this point Im fuming I call again again not one not teo but three people say the same thing your account is notated it is very obvious no payment is due rest assured you will be covered and any derogative rerouting will be fixed we are just in high demand. They said there appeared to still be some thing submitted in error so they were going to escalate to get rectified and they would add an additional month if need be for all of the massive inconvenience and many errors I agreed provided it was rectified expediently I again get a delinquent notice again I have to waste a hours calling in waiting on hold just to ask the exact same things. This time they say a deletion letter was sent to the credit bureaus on XX/XX/XXXX and it should be rectified timely. I keep in touch with the execs at the credit bureaus 3 weeks later no change I call Kohls back they say couple more days. Call back again they say letter was sent to my home I say ok Ill use that as proof open the letter and when I thought they could not get any more rediculous with the service and errors the letter says sorry everything is accurate thanks for being a customer. 

I have over 21 call logs, 8 letters, 2 certified and 4 emails that clearly show that not only should this account have been enrolled in this coverage and it was requested many times over and confirmed to have been the case I also have never been 30 days late ever. I changed the due date with you and you XXXX  that up and still reporting as such to this day and now this. Because I had two credit lines decreased as a direct result of this account and this error has caused me significant financial and moral distress I dont appreciate i didnt go out of my way to put in all the effort to get XXXX  over be told its being rectified for months repeatedly and then receive a letter that states it accurate no scam artists it is not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had settled a debt for a XXXX account through XXXX XXXX XXXX, I finished paying the settlement in 2019. Now the company decided to send me to a different collection agency for the remaining balance 2 years later. I tried to depute it multiple times with the new agency called Enhanced Recovery Company with no success. My credit score went down because of it and I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit on XXXX XXXX 2017. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by security credit services ( new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company

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 2022-12-29
Company: Experian Information Solutions Inc.
State: CT
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:
I called Experian to dispute late charges that on on my credit report, both accounts have been pd in full and needs to be removed from my account immediately.

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 2018-07-26
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has already removed account # XXXX from my credit profile discharging it because they couldnt produce documentation with my signature or a instrument of indebtedness or any type of electronic signature or any photo Id or social security card to prove I opened this account. Now today XX/XX/2018 I receive a letter from them stating they verified the account buy sending me a bill in what way shape or form did that verify anything. I never authorized this account. Produce proof of me opening this account with documentation if not leave me alone or I will seek legal action against you and XXXX which is the original creditor 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 2021-01-25
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I went to the closing today at XXXX XXXX/Monday ; XX/XX/2021 and nothing was sent for me to sign to close on my home. 
I am also using the XXXX XXXX and it has not been put through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Bread Financial Holdings, Inc.
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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act this company Comenity Capital Bank account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BarclayCard 's payment amount taken does not make sense. BarclayCard took more than the current balance was and thus the account now has a credit balance. They state that they will wait up to 5 days for funds to clear and an additional 10 days ( 3 weeks if business days ) to receive a paper check. The XX/XX/2020 statement balance was {$700.00}, due XX/XX/2020. A credit of {$420.00} posted XX/XX/2020 and I expected the payment amount to be reduced to the remaining {$270.00} due ; however, {$690.00} was taken on XX/XX/2020 which was greater than even the current balance at the time. I recommended that they reverse the initial ACH & deduct the appropriate amount instead. 

On the billing statement it states that it will be adjusted down if your Current Balance is less than the dollar amount you've selected however this did not happen : REMEMBER ... YOU ALREADY SCHEDULED YOUR PAYMENT This month your statement balance of {$700.00} is scheduled to be paid on XX/XX/2020. Thank you for taking advantage of our Repeat Payment system. 
It's an easy way to make your payment each month. 
Please be advised that your payment will be adjusted up if the Minimum Payment Due on your statement exceeds the dollar amount you've selected or down if your Current Balance is less than the dollar amount you've selected. This payment information is accurate as of your statement closing date. If you need to make changes to your payment you can do so until XXXX XXXX ET on XX/XX/2020. For more information on your Current Balance, please contact us at XXXX or visit us online at BarclaysUS.com.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13
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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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 other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: SC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} XXXX  SELF-REPORTED XXXX Balance : {$260.00} XXXX SELF-REPORTED XXXX Balance : {$48.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$400.00} XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
It happened on XX/XX/2018. I have an account with Paypal. I use it to buy things online. {$400.00} was sent by mistake on one of my friendss cellphone number who happens to not have a PayPal account. I called them immediately and they told me they were going to investigate. Well I then received an email from them saying that they wont be able to give me a refund because the transaction was not unauthorized. They gave me an email and the name of the company that has received the money. XXXX XXXX XXXX. I contacted them. They said the account that they had with PayPal is closed. I dont know what to do.

Company response to consumer: Closed with monetary relief