BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have problems repaying my student loans due to Navient student loans and XXXX XXXX College over charge. I believe I owe some of my student loans but the excessive amount listed is outrageous. My Student loan debt is {$110000.00}. I was not aware that my student loan debt was outrageously high I know did not apply for all those loans. I've paid 9 % of my loan. Also I know my loans should not be this high I was not in school that long because I withdrew from school. I have never received my degree from XXXX XXXX college. I contacted them recently to find out how many credits and they would not give me the information unless I submitted an application for enrollment and wanted to charge me for information I needed to just verify how many credits i had to achieve my degree. My credit has been forever been messed up due to this massive student loan debt and Navient never told me that with the account in forberance they charged me and excessively on the student loan. I am unable to get a house or live. XXXX XXXX college  messed up my life like Navient did. I was never offered a repayment plan until XXXX XXXX now my loan is in the XXXX how can I pay this. I'm stressed over this I can't do this anymore. What am I to do Navient lied to me and did not help me they dug a hole for me. XXXX XXXX college signed my name to documents and kept money. I found that they kept money from many students who attended. Please help me. I work as a XXXX XXXX  and I have no money. I explained that to Navient and they always placed my loans in forbearance and never offered any other options. Now I'm stuck with such a high balance on my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: VA
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:
Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 a. section 2 also states that consumer reporting agencies can not furnish a account without my written instructions.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Im accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 a. section 2 also states that consumer reporting agencies can not furnish a account without my written instructions.

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 2022-10-03
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This original bill was with XXXX XXXX in Texas, it is result of identity theft. It has been disputed, and resolved, this past XXXX. I never lived in Texas, never visited Texas. 
Now it seems another collection agency picked up this account and its on my credit report again. I tried calling the number for this collection agency, the call will not connect and voice says its not a valid phone number. The number is : XXXX. 
The agency name is XXXX XXXX XXXX. Address is : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX, NY, XXXX. 
The account number associated with this is XXXX I have lived in Florida for past XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TD BANK US HOLDING COMPANY
State: WV
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:
My name is XXXX XXXX. I am writing concerning Target and how they report payments as being not paid. In XX/XX/XXXX maybe XX/XX/2019 I was late and behind on my credit card payments and considered giving up and not paying at all. I quickly decided against the idea and seen on their payment page they offered a payment plan. So, after talking everything through with my wife we decided together this would be the best course for us even though we knew Target was still getting more than we would owe.But, after a few months and a totalled vehichle we needed to purchase a new one we started checking credit rteports to find out where we stood with our score. I quickly seen Target has been reporting to the credit reporting agency 's we are late with our payment. I called and spoke with several Target customer service agents and all I given was no help. I tried through credit disputes with XXXX and XXXX no help. My problem is Target allows customers to agree to these payment plans on their website and then you make the payments as agreed upon and they still report you to the credit bureus as being late which in turns cost me 20 to 30 points every month on my credit report. I am trying to pay my bills and feel bad in the first place for getting behind however I feel duped in away thanks I hope this makes since

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called XXXX XXXX in XXXX, AZ on XXXX XXXX today, XXXX XXXX, 2017 to pay off my title loan in full because the car no longer runs & I dont use it, so need to junk car. Last statement amount is {$510.00} but they charge interest daily. Im changing bank accounts & had debit card from my joint account instead of account they have on file. Was told I could not pay off my loan in full except with card on file over the phone, only make a 1 time installment payment for the minimum amount. I told them I couldnt come into the store because I moved out of area. True. The location is in XXXX, AZ & I live over an hour away in XXXX, AZ. They wouldnt take money from me/let me pay off loan. I told them repeatedly I found it odd they didnt want to take my money & it seemed like they didnt want the money & if they wanted their money they needed to let me pay off the loan or they could just have the car. They refused both. I asked to speak to a manager. First woman claimed to be a manager, so I requested to speak to someone above her. She finally agreed after I insisted & put me on hold for several minutes. Then another woman got on the line & claimed to be a manager. Im not convinced either employees were really managers. She told me I couldnt pay loan off or give them the car & they had a lien on the car so I had to make payments. It made no sense. I want to pay loan so I did something Im not proud of, I lied & said I moved to California & couldnt come to location. She still wouldnt let me pay the loan off. I asked to speak to her boss. She told me she was the boss. I told her she must have a boss. She told me to call corporate XXXX number & leave a message. I went to website where theres zero information on paying off loans, only information on taking out title loans. I filled out a contact form asking why it was impossible to pay off loan & telling them if they wouldnt allow me to pay off the loan, I was having car towed to their XXXX location this weekend & that the account they have on file is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00}

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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly a past due amount on the XXXX partial account number XXXXXXXX. ( Please see page 4 of the attached credit report. ) This vehicle was involved in a car accident and totaled. The insurance company paid all of the balance with the exception of a small portion remaining which will be paid on Friday, XX/XX/2019. Please remove this line item from 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 2020-11-06
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had automatic payments to pay off our debt with debt collector company on behalf of our credit card. On XXXX XXXX a final payment of {$150.00} was taken from our checking account automatically, but the final payment was only {$110.00}. A refund of {$34.00} was due back to me. I waited for the refund but time passed and when I finally called the company I was first told that I was a few days past the 30 period in which to ask for the refund but that they could see that the account was in the negative {$34.00}. I was transferred to a manager who told me the same thing - that the account was paid but a negative balance was owed to me. The manager said if I did not see the refund in my bank account by Friday ( this was Tuesday ) to call back. Come Friday no refund. I called in the morning and they told me someone was locked onto my account and they could not contact that person to get them off. Ok so I thought and told the representative that maybe they were checking the account and about to refund me the amount so I would call back later in the afternoon of Friday if I did not get it. Did not get it. Called again and talked to XXXX, a manager and she said the account was locked out by someone too. I told her I was not going to take that as an answer and that I wanted my refund! She went to the person who apparently was on the account and came back to me to say it was a treasurer of the company and the amount was correct and they would be issuing me a check in the amount of {$34.00}. I told her to have it put back into me checking account, the same account used to take the monthly payments out of. She said that is not their policy! I told her excuses excuses I would contact the FTC to file a complaint. I paid in good faith on time and as agreed. The account was paid on XX/XX/2020! I am still waiting for my refund and I don't think waiting for a check after all this time is fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I assist my elderly aunt with her finances. She has given me power of attorney for all her financial and business dealings. Additionally, she recently added me as a co-trustee on her trust account. I am attempting to close her accounts with Santander bank. We have had nothing but problems with this banking institution by the way. I brought the co-trustee documents to them for me to be added so I could close the account. I had also provided the POA to them at a previous point when I closed other accounts but they did not retain this and it was not on file. After spending 1.5 hours at the branch I was told that my aunt would have to come in. I asked XXXX XXXX ( XXXX MA branches ) if he could speak to a manager. He called me back and said it's easier for me to bring my XXXX, elderly, frail aunt in to the branch to close the account than for them to process the documents. I then called him back ( XXXX ) and asked him to clarify why she would need to come to the bank. He said she has to be present for them to add me as a trustee so she might as well just close the accounts then. All of the documents provided to the bank were prepared by a lawyer. I was able to manage my aunts banking at other institutions by just having her sign some forms but she didn't need to be present. Help!

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 2020-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is regarding Portfolio Recovery Associates, LLC ( here after referred to as PRA ). PRA is attempting to collect on debt ( s ) in which they say I owe them totaling up to {$10000.00} for 12 accounts. Ive made numerous attempts by sending certified letters via mail on XX/XX/2020 and XX/XX/2020 to PRA requesting them to provide me with certified copies of these accounts and any viable evidence showing VALIDATION ; that is competent evidence bearing my wet signature, showing that I have or ever had some contractual agreement with PORTFOLIO RECOVERY ASSOCIATES, LLC. PRA are reporting fraudulent tradeline accounts to my credit reports that has and continues to impact me severely. 

Moreover, PRA has not provided me with sufficient documents in regard to a contractual agreement between myself and PRA stating that I owe the above-mentioned amount of debt. This is not sufficient and compliant of federal laws under the Fair Debt Collection practices, the Fair Credit Reporting Act, and the corresponding local state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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:
one XXXX XXXX XXXX account number XXXX date opened XX/XX/2004 is reporting under my equifax credit file, which does not belong to me, this is an inaccurate information reporting under my name on my equifax only. they have not disputed properly for this inaccurate account to be removed every time o call they are not helpful. i am tired and not know what to do. i am trying to rent a place and it has been giving me a problem, this does not belong to me, please have equifax to remove this account from my credit file thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, my 1-year-old mortgage was transferred to Carrington Mortgage Services , LLC . The transfer was problematic for many reasons : they transferred the day before my automatic payment posted, and I did not receive the notice of transfer until after that date, which resulted in non-payment. Additionally, there have been a couple of fees for various charges posted to my new account that Carrington claims are from the transfer ; however, there were no fees on my previous mortgage. When I have tried to resolve the issue, they will not remove the errant fee without a written dispute. They are trying to collect the fees via my mortgage payment. I have already spent hours trying to resolve the issue and don't feel I should have to provide a written dispute for them to remove the fee. I feel that Carrington is attempting to defraud me of the amount of the fees by making it difficult for me to dispute the charges, and because the amount is relatively small, hoping I will just pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a a unverified account from CMI # XXXX****. I had previously disputed this account. I have never done business with CMI # XXXX****. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX**** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI # XXXX**** Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance $ XXXXDate Opened : 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 2019-06-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All 3 credit agencies are reporting my home address as and XXXX XXXX 
They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX 


They also list additional addresses which I've never lived at or paid and received bills for. 


Despite repeated phone calls and letters refused to correct.

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 2017-11-10
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are getting repeated calls, about every other day, from Diversified Consultants, a Florida debt collection agency, using shadow numbers with XXXX XXXX XXXX CA origin. They do not leave messages, but just keep calling. One call was late at night. We do not have any debts and this is obviously a scam, but no amount of call blocking seems to be effective, as they just use another shadow number all of which come up as " Unknown '' on caller ID, with a XXXX area code.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: AVANTE
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from XXXX on XXXX/XXXX/17 at XXXX at my place of employment. I have never listed this number as a number that was okay to call to reach me. I told the woman who called that she would have to contact me at a different time on a different number as this was my work number and I could not receive calls here. She began demanding another number and a specific time. I told her whatever she had on file as my supervisor was taking notice that I was not on a business call. She then began yelling at me about how was she supposed to call me if I would n't give her all of the information that she wanted and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: MI
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 repeatedly contacted XXXX, XXXX, and Experian for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!

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