BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX at XXXX XXXX calls my WORK phone 1x a day, my moms cell phone and my employer. When he contacted both my mother and my employer ( old manager ) he did not state who he was, why he was calling but was probing for information if I was at my desk/vacation/available to speak. Would not disclose information on why he was calling right away and my mom and employer want him to stop contacting them. 
In addition, he was phishing for more people I work with and their phone numbers to be able to contact myself. If he doesn't stop I will file a law suit as he is putting my career in jeopardy. 

I'm sure he has contacted others at my job too, which is ruining my character within my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-08-03
Company: Northstar Location Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me every single day in the morning between XXXX. When I ask what the call is about they will not answer they just say it is a matter with the business and proceed to ask for personal information. Very rude and unhelpful. It seems like a scam because they want my personal info before even explaining who they are. Very harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019, I received notification from XXXX XXXX that Nelnet had posted negative remarks on my credit report with XXXX which caused them to drop my credit score by 40 points. On XX/XX/XXXX, they did the same thing with XXXX with dropped my credit score by 43 points. The payments with Nelnet for my daughter 's federal student loans I applied for haven't even started yet and they're making trouble for me already. If they're pulling this XXXX now, what will they do if I really do something wrong? Nelnet has NO business reporting every little thing to XXXX, XXXX  or XXXX unless I do something serious like miss a payment or default on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: MD
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:
Equifax continues to report XXXX XXXX XXXX on my credit report. This company is illegally attempting to collect a debt in the state of Maryland which it does not have a license. Under Section 1692e ( 14 ), it is considered a violation of the FDCPA for a debt collector to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing or implying that the debt collector is licensed, bonded, or affiliated with any government, or that the collection agency is authorized or permitted to collect debts in a particular jurisdiction where it is not licensed. Therefore, XXXX XXXX XXXX attemptinge to collect a debt from the state of Maryland where it is not licensed, is considered a violation of the FDCPA under Section 1692e ( 14 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been a customer of Navient for the life of my student loans. Over the years I have had many small challenges with the company, but more recently ( as my debts have been paid off more aggressively ), have encountered serious oversights from the loan service. Most of the time, I just let it pass, but this time is different. Like everyone repaying their loans, I have a monthly amount that I have been paying over the course of my loans. This amount is deducted on the XX/XX/XXXX of every month. Around 3 months ago, I got a message from Navient informing me that " If you make an Overpayment on some or all of your loans, you may advance your next payment due date, which can cause a future Auto Pay payment to be processed as an Overpayment. '' This is a great option for some people, but not an option I wanted on my loans. I went into my account and found that they had automatically selected that if I make an overpayment ( which I have been doing every month ), they would push my next autopayment to the next month. Seeing this, I selected a new allocation method wherein my autopayment would NOT be pushed to the next month if I made a payment and I would be billed for my full autopayment every month, despite the extra amounts I paid on my account. Today, the day in which my monthly autopayment is supposed to be processed ( XX/XX/XXXX ), I see that they have pushed my autopayment to next month ( XX/XX/XXXX ), against my direction and wishes. I have attached 2 screenshots in which you can see my autopayment history on the 1XX/XX/XXXX, but the next autopayment is indicated as coming up on XX/XX/XXXX ... completely skipping over my XXXX autopayment. I see this as a way to keep me hooked onto my loans longer, paying more interest, and pushing me to pay longer. If I weren't actively involved at looking at my loans on a bi-weekly basis, I wouldn't have caught this move from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX I made 4 Request for Specialized Loan Servicing to : Return HAF Documentation for Application # XXXX for Texas XXXX XXXX XXXX XXXX Program so the State can make the past due payments RE : Loan No : XXXX The Texas XXXX XXXX XXXX team sent you the XXXX Form and requested information on about XX/XX/, 2022. 

I have also called over four times and sent several letters and email XXXX return the documents back to them. 

On or about XX/XX/XXXX, I called and the Customer Service Rep said I should check back within a few days. 

I called again, today, XX/XX/, 2022 and I am following up in writing. 

Please be advised that I am getting assistance from The Texas XXXX XXXX  XXXX team to pay past due balance that is XXXX says is delinquent. 

Send information to The Texas XXXX XXXX XXXX team so that they can process application and send you the funds directly. 

By and through this correspondence, return the XXXX documentation to the Texas XXXXXXXX XXXX XXXX by expediting application so payment can be released to XXXX. 

Thank you. 

Sincerely, 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 2019-11-29
Company: Comerica
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I cant seem to login to my account online and when u signed into the mobile app it shows a charfe for a new card and cor the mailing and shipping charge that i did not do or authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed Fair Collection And Outsourcing ( A debt collector ) listed on my Credit Report who is attempting to collect on a debt that is the subject of pending litigation in XXXX XXXX Case # XXXX with the original creditor. I am writing this complaint because this company simply inserted this on my Credit Report without giving me any notice or any information. This is a violation of the Fair Credit Reporting Act FDCPA. I am also requesting that this company not call me and to communicate by mail only. This debt is inaccurate and can not be verified because the information provided by the orignal creditor is false.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I urge the bureau to launch an investigation concerning these accounts, which falsely indicate late payments even though I have always been punctual with my payments.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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  account # 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 account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An item was placed on my credit report by Portfolio LLC, that I had no prior knowledge of and that was fraudulent. I have filed a XXXX complaint and at this particular time, have received no resolution. I was no informed or aware of this issue or damaging mark on my credit until my expecting fiance and I were denied housing over the matter. At this time I have retained legal counsel and will be pursing the matter further, if corrective action is not taken to alleviate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX  Date Filed/Reported : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 non-monetary relief
Consumer complaint received 2020-08-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lvnv funding LLC is in Violation of FDCPA section 809b. I did not receive notice of dispute prior to the company reporting Account to the credit bureaus. A violation of FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I am disputing a hard inquiry from Chase Bank. I pressed the wrong button and was applying for a XXXX card. This is a mistake. This hard inquiry has to be removed. Chase stated they are reviewing the application so I cancelled the application. This inquiry was meant to be for XXXX, not Chase. I  explained there was issue with my phone and it went straight to Chase instead of XXXX. I don't want that card even though I am approved or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: PNC Bank N.A.
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:
I have information on my personal report that belong to my business XXXX XXXX XXXX XXXX because of this my credit shows a mixture of credit for my business and my personal and it has affected my debt. ratio. negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I previously disputed a charge to my Discover credit card account in the amount of {$250.00}. As I explained before, this charge came from XXXX XXXX XXXX. This clinic was illegally providing medical treatment to unsuspecting patients. They were falsely advertising their business as medical spa when it was actually a day spa. They have no medical doctor at their clinic and all medical assessment was done by either a nurse or esthetician when it should have a medical doctor. If I had known earlier of their illegal activities I would gone to legitimate med spa clinic for my laser treatment. They deceived me and took advantage of me. They also put my health at risk. Therefore, I ask for a full refund of {$250.00} through charge back. After Discover received a treatment form and sales receipt from the vendor, they concluded that the transaction was legitimate and decided to take the side of the merchant. I feel Discover did not do a due diligence when making an investigation. The documents they received were not enough to establish the legitimacy of the transactions. I only have one simple request at this point. If Discover could reopen the case, they need to contact XXXX XXXX XXXX to provide a one page copy of Fictitious Name permit issued by the medical board showing the name of their business XXXX XXXX XXXX. This is the only proof that their business is legit and authorized to provide medical treatment. Otherwise, Discover needs to issue me a full refund by charging back the vendor. Current complaint ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I dont have any recollection of any of these inquiries these are not mine they are credit error I never authorized anyone to pull my credit. Listed are the increase they need to be removed thank you for your help. 
XXXX XXXX XXXX. XX/XX/2022 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 2018-04-09
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep insisting that I owed a phone bill but I never had their service in the home for the time they said. The only " evidence '' of the alleged debt is a monthly bill not showing the actual charges but a bill from the following month which shows an alleged balance due from the prior month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: WI
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:
equifax provided incorrect credit score to bank and i could not get loan or credit card very unhappy they gave wrong score to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They not only call my cell phone multiple times a day but are now attempting to call me at work when I never even gave them that number. That's illegal.

Company response to consumer: Closed with explanation