BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: Navient Solutions, LLC.
State: MN
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:
My payments have been applied incorrectly the past few months. I pay my loans bi-weekly, to the same account #, with instructions that over-payments should be applied to principal. My master account # with Navient encompasses both of my private student loans ( they have separate account # 's ). My bank bill pay sends the payment to my master account, and in the past, they split my payment across the private student loans. The last few payments they've ceased to do so, and only applied it to one account. How they decide which account its applied to is beyond me. I have to call 3-4 times, and speak to several supervisors for them to discover the error, and correct. Each time i call in, i'm told there was something else afoot that caused the errors. The next month comes, and I spend hours with them on the phone again. This happened on XX/XX/XXXX, XX/XX/XXXX and again on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had filed a previous complaint and listed it as wrong original creditor they werent Speedy Cash but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about Speedy Cash. I attempted to clear this matter with them by filing a dispute through Transunion and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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: Account information incorrect

Complaint:
The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter

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 2021-04-03
Company: Debt Recovery Solutions, LLC
State: TN
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:
XXXX XXXX XXXX both have a debt listed on my credit report as " DEBT RECOVERY SOLUTIONS '' or " DRS ''. These are medical debt that have previously been removed from my report and marked as identity theft -- The original creditor, XXXX XXXX, was informed and subsequently removed the accounts from my report. 

However, the debt was sold ( again XXXX and now the new debt collection agency ( DRS ) listed the items on the credit report. When attempting to dispute the items XXXX XXXXorrectly removed the debts, but XXXX XXXX XXXX both " verified the information as accurate ''. 

In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did they not provide this documentation -- they simply left the information on my report. 

This is also a potential HIPAA violation. Providing said documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got two private student loans from XXXX XXXX circa XX/XX/XXXXto XX/XX/XXXX. In the following years, my customer service interactions were appalling. Automated systems, outsourced call farming, and lies. I have made payments since the very beginning, and made a lot of contact about creating a payment plan I could afford as an independent working college student. They told me I could choose between income driven payment plans and forbearance. And then refused to allow me to do the first. This means that at times in my life I could pay them, I was beurecratically bullied out of this plan. This goes beyond advising poorly. The company or it's representatives refused to allow me to make payments on my principle for the longest possible time, then sold my loans to Navient. Sketchy and gross practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: MS
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:
the credit companys has yet to remove the items that i have disputed these are not my accounts they need to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have attempted to use my card since XXXX that the Bank of America issued on behalf of the State of CA for XXXX. The bank states that they needed information from CA in regards to fraud. CA stated that they have not issued any blocks on my card. I have been back and forth so many times and have spent over 6 hrs on the phone one evening. No one is taking responsibility. Finally, the other night an XXXX employee told me the only solution was to file a complaint with the CFPB.

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 2018-10-10
Company: Experian Information Solutions Inc.
State: NC
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:
I wrote a letter to Experian dated XX/XX/2018 informing that there is a negative report by North Carolina Bankruptcy Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but they did not address the issue. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to XXXX. However, Experian also received the same letter, dated the same as well.

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 2019-08-28
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:
Incorrect items reporting on my Transunion 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 2020-07-24
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I booked travel using a chase credit card in XXXX of XXXX. I used XXXX points I earned with the card combined with {$2000.00} for the reservation. Due to COVID travel restrictions I had to cancel my reservation. I did so in the recommended timeframe suggested by Chase. In XXXX of XXXX I closed the credit card I used for booking this reservation. When I cancelled the reservation on XX/XX/XXXX, I requested they send the refund to a different chase account I have that is open. They refunded the points used to this account within 2 days, but I still have not received the refund of {$2000.00}. I waited patiently and have now been working on this matter for the past month with no foreseeable resolution in the future. I have spoken to Chase travel and Chase no less than XXXX times regarding this matter. They assigned my case to someone in their Executive department. As of my update today, they still have no projected resolution. They have confirmed multiple times that they owe me this amount of money, but I keep getting sent to different departments and each one tells me that they need to investigate the situation. After each one investigates, they send me to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CMG MORTGAGE, INC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
im on a forbearance program and every time i call and asked for the modification to be done i get a run around one person told me not to do anything ill get a letter in the mail the other people are telling me to apply for the modification no one cant get me anything done and I'm getting tired of people talking to me like im stupid and i don't know what im talking about every time i ask for a supervisor they refused to put one on the phone and transfer me to customer serviceher id # was XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Filed dispute on XX/XX/2020 requesting copy of the contract with my authentic signature.under the FCRA I am allowed to make this request.it has been 40 days and I have not received contract with authentic signature.The FCRA allot 30 days for a dispute to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've been contacting Transunion off and on for a while now regarding errors on my account. I currently have some accounts on my report that do not belong me and needs to be deleted.

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 2018-07-19
Company: EQUIFAX, INC.
State: TN
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:
This XXXX 's account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and Experian CRA continue to incorrectly report as Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$2200.00} XXXX Account # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2000.00}

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 explanation
Consumer complaint received 2019-08-28
Company: Quality Asset Recovery LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A verification letter was sent by mail on XX/XX/XXXX. The collection agency did not respond.

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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!

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 2020-10-17
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS Associates is texting me ( pictures of a text message ) about a debt that doesnt exist from XXXX  and it is now showing up on my credit report. This is a scam and fraudulent.

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 2022-08-05
Company: EQUIFAX, INC.
State: TN
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 reference to the following accounts : *XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) *XXXX XXXX  ( XXXX XXXX XXXX ) Ive sent all of the documentation required to verify that I was indeed a victim of identity theft. A year goes by and Equifax still is reporting incorrect info on my profile. So, yesterday XX/XX/2022 I called Equifax to address the issue and this is what I was told. 

XXXX Yes sir, we can see that youve been disputing this issue, we also see youve sent in the police report and other documents that verify the claim, however it seems as if the box office decided not to use those documents and declined to pursue the matter as identity theft. We just processed this as a normal dispute. 

XXXX Why would you not use the proof and evidence to report the issue the correct way so that the matter can be resolved, this false reporting is affecting my familys livelihood. This is incorrect information on my credit report that is keeping me from being able to do the things I need to do to provide and take care of my family. 

XXXX Yes sir I do understand and agree with you completely. However, theres nothing I can do about it. The box office makes those decisions. 

Me- That is not ok. These things need to be removed today. Pursuant to these codes : * 15 USC 1681 A 3 * 15 USC 1681 A 4 * 15 USC 1681 B 2 Equifax- Im sorry sir, we can begin a new dispute. 

XXXX Why would we need to do that if the dispute is old and is currently still in process. That would restart my statute of limitations clock. Then youll drag the process out another year or XXXX. I dont want to file another dispute today, I want these XXXX accounts deleted now. This is wrong!! 

Then XXXX XX/XX/2022 I called Equifax and immediately requested to speak to a supervisor in the fraud department. The lady replied and told me that she was indeed the XXXX in the Fraud Department. I later learned her name to be XXXX XXXX ( Work I.D.- XXXX ) Ultimately XXXX XXXX XXXX XXXX XXXX ), heard me out and was attempting to initiate the process of removing the accounts. However she told me she needed me to include the account numbers in this CFPB Complaint, before she can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
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:
I have been trying to tell this company this debt is not mine. I called the original debtors and they agreed the account is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX  I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my credit score. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my XXXX XXXX report 5 new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with XXXX and transuion. But I am unable to proceed.

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 2021-04-03
Company: Smith, Cohen & Rosenberg LLC
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:
This company try to collect {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I dont know nothing about this place/ company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Experian Information Solutions Inc.
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:
I am not the mortgagee or owner for account # XXXX that experian is reporting on my credit. I send FTC report, police report, my id, and letters to remove the account that belongs to someone else from my credit file but they did not delete the account. I also requested for any and all contract and evidence the bank supply to them to give them reasons to not delete this account from my credit file.

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 2020-05-12
Company: California Accounts Service
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: Account status incorrect

Complaint:
On XX/XX/19 California Account Services located at : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX  ( XXXX ) XXXX was served with a cease & desist letter, disputing the validity of the debt under terms and conditions of the FDCPA and informing them that I would deal with the original creditor directly. Since then, they have repeatedly reported this as a valid debt to credit bureaus and specifically to 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