BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. commonwealth NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: LA
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:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report. It has been 45 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and found a negative account that does not belong to me. This is so frustrating because I sent a letter to this company asking them to validate the debt they claim I owe and never got a response. More importantly, I can't move forward with purchasing my first home because of this XXXX company. It's been months and still no reply!!! This isn't right and this is very unfair! please help me resolve this matter ASAP!!! I been through enough already getting through this pandemic so this is most definitely extra XXXX that I don't need in my life right now ..XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Altisource Portfolio Solutions, S.à r.l.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I been receiving harassing phone calls and death threats from representatives from Nationwide Credit , Inc regarding credit card accounts that are fraudulent and unauthorized. I 'm a victim of identity theft and have been a victim of identity theft for over 30 years. The following credit card accounts do n't belong to me and are fraudulent and unauthorized : Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : 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 2017-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A balance from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card debt was sold to Portfolio Recovery Associates. There was no debt validation provided from Portfolio Recovery Assoc.The  balance was paid off to the collection agency although there was no signed contract with the company. I was told by the agency that the collection inquiry would be removed from my credit score once  debt was paid.   Has reached out to company several times about this promise and Portfolio Recovery Assoc. has failed to remove the closed account from credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Once again, Navient is raising my private loan payments without proper notice or explanation. The repayment amount keeps creeping up and I am fed up with trying to communicate with them so I am filing a complaint. 

My payments were set at around {$530.00} a month for the better part of XXXX into XXXX, and last month they were raised to about {$550.00} and now this month they are at {$560.00}. I do not know why they are being raised and it has not been made clear to me via any timely communication. Furthermore, my payments are almost entirely applied to an extremely high interest rate, with only around $ XXXX being applied to the principle of the loan. I contacted Navient in XXXX of XXXX and asked for an explanation of why that was, and was told they had no information on the issue. This doesnt make any sense to me. 

It is suspicious to me that on the heels of their lawsuit loss suddenly my payments are being increased, when they should be forgiven entirely. They have lied to me and manipulated my and my co-signers vulnerability at every turn, as you will see in the multiple complaints I have filed against them over the past several years. I have been bending over backward for their whims only to constantly have the rug pulled out from under me around every turn, and I am tired of the constant jerk around they give me. It isnt fair that I am constantly punished by them for working extremely hard to pay the predatory loans back, and I should qualify to have my debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted XXXX dispute investigations to Transunion Credit Agency regarding my XXXX  XXXX Account and XXXX account and I request how the account was verified and i never get back the proof on how the account was verifiyed nor do I received a copy of my signature on the original document so I can confirm this account is infact mine. XXXX and XXXX both deleted the XXXX accounts as they said they were unable to produce what I requested and Transunioon no matter how many disputes I send I never receive the information I request nor does the account update 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 non-monetary relief
Consumer complaint received 2021-12-03
Company: Kason Credit Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is charging nearly $ 2K for ambulance rides that were paid off by XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Factor Trust
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
That fax number is all over their website yet it is not functioning - and hence they are deceiving consumers by directing them to fax information when they know the fax number does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Navient Solutions, LLC.
State: GA
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:
Navient reported me as 120 days past due during their process of returning my loans to Dept. of Education. This act along with numerous hits on my credit report almost caused me to not be able to get a job. I ca n't get a car loan because of this reporting. 

I was unemployed for 7 years. Most of this time I was on deferment with Navient. Every 6 weeks or so they would send me an email to let me know it was time to reapply for deferment so that it would not affect my credit. In XX/XX/XXXX, my present employer did a background check on me and said Navient reported me as being 120 days past due. If I had not shown them the XXXX balance from Navient, I would have not gotten this job. 

I did n't get a notice of this transfer from Navient nor was I provided with a way to continue to reapply for deferment. 

After my employer gave me the credit information, I logged into my Navient account and the balance is XXXX and the status was " Paid by Navient/Dept of Education ''. I was confused by this. It took me 3 more days to find out that CFPB had sued Navient. During this time I suppose Navient just decided to transfer the loans and not provide an alternative method for me to continue to be in deferment. 

In XX/XX/XXXX, I was reported by Navient as being 120 days past due. My math tells me they put me in default 4 months prior to XX/XX/XXXX even though the DOE said the loans were sent back to them starting on XX/XX/XXXX ( the last entry in my Navient account is XX/XX/XXXX ). I do not  understand why Navient did not communicate with me before my credit was destroyed. I also do not understand why they have so many entries on my credit report ( more than 100 entries in a short period of time ). My credit before this, even while I was unemployed, was XXXX. It is now XXXX and XXXX and I ca n't get a car loan so I can get to my new job without getting a ride from a relative. 

I would like to know why Navient reported me as 120 days past due and why so many entries on my credit report. I would also like to know why my Navient account shows " paid by '' instead of " transferred '' to DOE. I had to search to find this information. 

Also, it looks like Navient reported me 120 days past due in XX/XX/XXXX, but the loans were not moved back to the DOE until XX/XX/XXXX. 120 days would be about XX/XX/XXXX. By the time XX/XX/XXXX came around my loans were already in default and now I 've had to enter into a rehabilitation program with DOE before I can find another lender to consolidate the loans, which means more interest is going to accumulate. 

I feel it was extremely unfair for Navient to destroy my credit this way. I ca n't get my own apartment or a vehicle because of this issue. All they had to do was tell me how to continue with deferment instead of destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CL Holdings LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: SC
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 have contacted XXXX on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with XXXX, XXXX, & Equifax credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my XXXX credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Exeter Finance Corp.
State: NY
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:
CREDITOR NAME : EXETER FINANCE LLC AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX - AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

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 2017-07-05
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: Their investigation did not fix an error on your report

Complaint:
Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.

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 2017-09-27
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I submitted a complaint about the fact that I can not obtain my National Consumer Telecom & Utilities Exchange ( NCTUE )  credit report. Since at least XX/XX/XXXX, I have been attempting to obtain my credit report to no avail. The telephone system does not work and NCTUE does NOT provide any information about what I should send to NCTUE to obtain my credit report via mail. I NEED TO KNOW WHAT TO SENT TO NCTUE TO OBTAIN MY CREDIT REPORT. The Company 's response to my XX/XX/XXXX Complaint was a nonsensical response that did not in any way address my question and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Genesis FS Card Services, Inc.
State: TX
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:
Since so to late XXXX ( XX/XX/XXXX ), I have been having issues making payment. Twice now and Ive spoken to someone 2-3 times since XX/XX/XXXX and yet to receive a call back from XXXX My account info has not been updated and told the two times I fixed prior to them saying theyd do it and call back, my account can not be found. 

High usage is being reported and I tried to payoff over a month ago. 

I got this card to build my credit, not take it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a call yesterday saying the caller is from Citi bank and he wanted to inform me that someone in Kentucky spend XXXX dollars in XXXX with my card, and he wanted to know if I recognized it. I told him I didn't recognize it and he said he will cancel it for me and he asked if I receive the Citi online ID code with the text message. I told him the code and he used it to transfer all of my money from my saving account through XXXX. At the same time, he started to transfer my money away. so I don't have to worry about the transactions that I didn't recognize and he assured me that the team would start an investigation team to work on it. He also stated that the new card will arrive in three days, so I believed him. His number is XXXX. I have no idea how he could just use the Citi online ID to access my account since I didn't even tell him my account number and password.

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 monetary relief
Consumer complaint received 2019-01-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report XXXX XXXX Police # XXXX ) a copy is attached. 
Please remove this account from my credit file. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX  account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
As of XX/XX/XXXX, I have received a copy of my credit report and noticed there was a fraudulent credit card account opened in my name. The account was opened in XXXX of XXXX. This account has missed payments as it is affecting my approval chances. It is reflecting to my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have fraudulent inquiries on my credit report. The inquiries are as followed XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. I have contacted all these creditors with no response to the fraudulent activity. TransUnion replies back quickly with no change in status. I have called TransUnion to dispute fraud but no response.

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