BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: Experian Information Solutions 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:
all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with XXXX, XXXX and experian countless times with no luck

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 2019-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I HAVE PREVIOUSLY ASKING PORTFOLIO RECOVERY COLLECTION COMPANY TO REMOVE MY PHONE NUMBER SINCE THEY CONTINUOUSLY CALL ME. TOLD THEM MY ADDRESS AND THEY CAN COMMUNICATE THROUGH THE MAIL WITH ME. TODAY, XX/XX/19, I RECEIVED A CALL FROM PORTFOLIO FROM XXXX AT XXXX XXXX. AND ADVISED THE REP THAT SHE BROKE THE FDCP OF CALLING ME AFTER I REQUESTED MY NUMBER TO BE REMOVED. HER REPLY TO ME WAS THAT WELL I HAVE YOU ON THE PHONE NOW AND WE CAN DISCUSS THIS MATTER. I HUNG UP. I DO NOT WANT THIS COMPANY CALL ME AND NOW I WOULD LIKE TO BE COMPENSATED FOR THE HARRASSMENT FROM THIS thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Hello my name is XXXX XXXX and I sent a dispute letter to TransUnion on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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 2017-07-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Companies Continued coercing me into FORBEARANCE. Companies names XXXX XXXX subsidized and unsubsidize, FFEL Stanford, and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Account information incorrect

Complaint:
This is a recurring issue with XXXX XXXX and credit reports. Previous report XXXX they state the account is, and has been, always current. They blame the credit reporting company, the credit report agency blames XXXX. This is the 4th time reporting this issue. Transunion is now again showing late payments for this account- there have never been late payments ( again refer to comments from XXXX on XXXX ). However the issue continues to recur with it reporting incorrect. One time is a mistake, 4 times is willful misrepresentation of data which directly impacts my credit and the agencies need to be held accountable.

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 2018-01-28
Company: Navient Solutions, LLC.
State: OH
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:
In 2009 when I graduated Navient encouraged forbearance and deferment of payment for the loans I have rather than income based repayment plans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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: Account information incorrect

Complaint:
TransUnion aNd XXXX are again reporting that XXXX XXXX XXXX XXXX has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. Trans ion and XXXX are either culpable negligent in carrying this listing or are being intentionally vindictive. As for XXXX XXXX XXXX, XXXX actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently XXXX recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. XXXX had known that the difference in the lease tit claimed 1 had been, in fact, paid dinn2017own by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. XXXX isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, XXXX gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof XXXX, with the the virtual assistance of rtraansunion and XXXX ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.

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 2019-08-01
Company: ID Analytics, Inc.
State: OH
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:
I opened an account with XXXX XXXX XXXX internet to be installed. They do a credit check in order to ensure the customer would be of no concerns. That's no problem I understand that. Yet, when I receive the letter from XXXX XXXX XXXX stating my credit score is XXXX when in fact I know it is not its way too low. I looked into the credit agency where they have been known to lower your credit score by 200 points! Sagestream was, therefore, stating my score is XXXX when in fact XXXX  says it's XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX  account number ( XXXX ) and account number ( XXXX ) ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 


XXXX XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
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:
I have the rights to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681b ( a ) ( 2 ) states consumer reporting agencies can NOT furnish a consumer account without written instructions of the consumer who it relates to. I did not give anyone permission to do so which is in violation according to federal law. 

I am referring to the accounts showing in the attachments below for each credit reporting agency as well as the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Healthcare Receivables Group violated my H.I.P.P.A. rights once again and is attempting to collect on an alleged debt that does not belong to me. I have previously experienced unfair treatment from Healthcare Receivables Group. This is now my 3rd complaint about this company. Please be advised Healthcare Receivables Group are not Holders in Due Course. Healthcare Receivables Group received a validation notice from me stamped by the postmaster and received XX/XX/XXXX ; Healthcare Receivables Group have not responded and has continued to damage my credit files.

An authorized representative from Healthcare Receivables Group responded to complaint no. : XXXX on XX/XX/XXXX stating their account would be deleted from my credit report and sent back to XXXX XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX this account was NOT removed from my credit file and was actually UPDATED. 
I have uploaded a current credit report from XXXX to support that Healthcare Receivables Group continues to violate the FCRA & the FDCPA. 

On XX/XX/XXXX An authorized representative from Healthcare Receivables responded to complaint no. : XXXX stating their account was removed from my credit profile on XX/XX/XXXX and confirmation was confirmed on XX/XX/XXXX with XXXX. I spoke with a customer service rep from XXXX. ( I will not name her. She was extremely helpful. ) Healthcare receivables UPDATED their account again, it was not removed as stated in their response to my complaint dated XX/XX/XXXX. 

I did not sign or approve a medical releases of my private information to Healthcare Receivables Group. It has been proven that Healthcare Receivables Group are not Holders in Due Course, it has also been proven that my HIPPA rights have been violated once again and that I have never received any goods or services from these debt collectors. Please remove this account from my credit file It must also be noted that Healthcare Receivables Group never allowed me to properly dispute their debt before placing their account with the bureaus for collection. Proving they do not honorably allow their alleged clients to dispute the validity of their debts before placing their accounts with the bureaus for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I logged into my PNC mobile banking account yesterday ( X/XX/17 ) around XXXX to see if my insurance payment was submitted. The payment was submitted and my account became overdrawn by {$170.00}. I contacted PNC bank customer service line at XXXX because I wanted additional information regarding their overdraft policy as well as their return policy when funds are not available. At the time of the call, the rep informed me that as long as I make a deposit before XXXX XXXX time, I will not receive an overdraft fee. The rep stated if a payment was not received by XXXX, then a fee would be added to the account, she also stated that if the fee plus the overdraft amount was not paid by end of day X/XX/17 then the payment would be returned to the vendor unpaid. I worked to make the payment and unfortunately I was not able to transfer or deposit any money into the account prior to XXXX. At XXXX a electronic transfer was made to my account in the amount of {$99.00}, at XXXX XXXX a second amount was electronically transferred to my account in the amount of {$74.00}. The account remained overdrawn {$2.00}. I attempted to transfer {$3.00} at XXXX but the transition was failed and rejected, which did not allow the payment to be processed until today. PNC policies states an overdraft fee will not be applied to balances under {$5.00}, my balance was $ -XXXX Today I contacted PNC for a fee removal and I was informed that the transfers I made on X/XX/17 were not applied until today ( X/XX/17 ) therefore my account is eligible for an overdraft and the fee can not be removed. PNC reps provided false information on their overdraft policy and PNC would not provide customer courtesy and remove the fee. I have included information on the complaint I filed within PNC and the reference number is XXXX. I have attached documents supported when the transfers were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: WA
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 aquired an auto loan with approved credit, I had a very negative experience with the woman managing my loan, she tried having my car repossessed, she added late fees and penalties fraudulently throughout the length of the loan. When I told her I was coming to pay the balance in full she fraudulently repossessed my car and sold it. I paid the payoff in full and fought hard to get my car back. And after I purchased the car she continued to report that payments were not being made for years. I in fact found out she was still report delinquent payments long after I had sold the car to someone else. I pulled my credit maybe a year after I sold the car, approx. XXXX and she had been miss reporting that I hadnt made a payment in XXXX  years. I paid off the car loan with her company in XXXX Again, I had sold the car in XXXX, before I found out she was still reporting no payments being made. I Ibecame XXXX  for XXXX years as a result of poor credit. I called the company in XXXX and they eventually removed the file but this has been affecting me and my credit for nearly XXXX  years. Which contributed to my current credit issues.

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 2021-03-08
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter on XX/XX/2021 and Transworld System Inc and they received it on XX/XX/2021 via certified mail to XXXX XXXX XXXX XXXX, DE XXXX. This company has failed to validate this debt by not responding at all. Please delete this information from my credit file and cease all collections activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions 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:
After reviewing my credit report, I found numerous items listed that are NOT accurate and is reporting misinformation derived from an error.

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 2020-12-17
Company: TD BANK US HOLDING COMPANY
State: MN
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:
I have been listed as an authorized user on an account. This account is not being reported onXX/XX/XXXX or XX/XX/XXXX, onlyXX/XX/XXXX This account should be reported. 

TD Bank USA/Target Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : TD BANK USA/TARGET C XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX USA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have two Chase Business credit cards, opened as a sole proprietorship with my own social security number. Both account are associated with the same login and same personal information. I opened the second account recently and received the card this Monday ( XX/XX/2019 ). Today ( XX/XX/2019 ) I received a call from someone I know that they received a call from Chase Fraud Department asking for verification of my account details. I called Chase and spoke with them about this, and they confirmed several details : -There was no suspicious activity on the account -They call numbers from a third party database that they believe are associated with the account owner -They admitted to calling the number -They admitted to revealing the specific product I have -They admitted to revealing the last four digits of the account number Other information may have been revealed as well, but I was not on the phone call. I never authorized Chase to call others to verify my identity or reveal the specific account that I have, the last four digits of the account, or any other information they may have revealed. All of this was revealed without verifying the identity of the person they called. Depending on the numbers they call that are " associated '' with me and the information they reveal, my safety and security will be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: KY
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'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

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 2022-02-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank is anxious to shift to electronic statement delivery. We have made it clear in our preferences that we expect paper delivery of all statements. Up until now that bank has respected this arrangement and honored the preferences we set. However this year the 1098 did not arrive. I called the bank this morning and was informed that despite our clearly established preference for no electronic delivery - the bank unilaterally delivered all 1098s electronically. After expressing my dissatisfaction with this, I asked where in the online account portal I can retrieve my 1098 for XXXX. The representative directed me to where the document should be and it was not there. She then told me that perhaps it was only available from my wife 's account, and suggested I log-into my wife 's account to look for it. I did not do this. I demanded a paper copy be put in the mail immediately. I then asked how to ensure that my preference for paper statements is respected for all statements going forward- the representative told me that there was NO WAY to do that. I implored her, we have so many accounts with tax implications- if it were up to us to chase down all of our 1098s and 1099s we would surely forget several. It is completely unacceptable to ignore our request for paper delivery, assert that it is available online only, and then FAIL to make it available! I am writing for relief - this bank does not think they are under any obligation to respect my wishes with regard to my 1098 and, apparently, any other significant correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. System INC. put a collection of {$610.00} on my credit report from XXXX XXXX XXXX XXXX. I dispute this debt to the fullest.

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