BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: Allied Collection Services, Inc. (Nevada)
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never supplied me with goods nor services. In addition to that I have never received any notices from them prior to them placing this on my credit report so my rights under FDCPA section 809 were violated

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 2017-08-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently submitted a payment of {$350.00} to one of my student loans. I placed notes on the check memo, I submitted a piece of paper with instructions on how to apply the payment, and I submitted a document saying how the payment was to be applied as requested to my lender. I have had to contact Navient each time I 've had a check payment submitted due to them not applying my payment correctly. Even when I follow their instructions. This causes interest to build up and bill incorrectly. I requested a full audit of my student loans be completed and provided to me. I have not heard back. I filed a complaint with the department of education and the payment was corrected but I was never provided with an audit. This is the third instance in which Navient has applied my payments wrong, and against instructions. The first time was in XX/XX/XXXX for {$3800.00} - The second time in XX/XX/XXXX for XXXX, and finally I submitted a payment in check format for {$350.00} in XX/XX/XXXX. I will be filing a complaint with the Department of Education again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2020, my son sent me {$40.00} dollars through Cash Appt. This is a appt own by Square Inc. according to the website. I did not know how to get the money so I called the customer service number from the website. I spoke with someone named XXXX. He said he would help me get the money. Once he got into my account he proceeded to take money and send it to someone named XXXX XXXX. I am a senior and I really don't know a lot about this, but I know they took my money. I reported this to my Bank : XXXX XXXX to investigate. They gave me a credit of {$620.00} dollars the amount they had taken until l my dispute was resolve. Last week they sent me a letter saying the company verify the transactions. I don ' t give a care what they said, I am a retired XXXX XXXX  and I don't have {$620.00} dollars to send to anyone. I questioned XXXX XXXX investigation by sending them a letter expressing my disagreement. I haven't heard back from them, so I'm waiting. Your help is needed in stopping these people from continuing to scam people who are simply living from check to check. I tried reaching out to Cash Appt. and they deleted my account and banned me from ever using the appt again. Your help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: IL
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 disputed the errors on my credit report because the bureaus are reporting inaccurate information, that is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have defaulted on my student loans. I have made several attempts in the past 11 years or since XX/XX/XXXX ; to file for forbearance, to make payments and to use the income based repayment plan offered. Each time I took the time to contact the lender ( XXXX later Navient ) there always seemed to be an issue with paper work submitted and needing to update the next month. I made several attempts with payment arrangements over the phone to get payments to an affordable income based amount only to be told I had to resubmit and reapply for income based arrangements within days or weeks of submitting paper work. The entire process has cost me much time and even greater money, because despite my attempts at income based arrangements in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my original loan of XXXX has now grown to XXXX and is closed but Navient continues to call me XXXX times per day. The gentleman named XXXX assigned to my case has contacted my supervisor and most recently on XX/XX/XXXX the secretaries and receptionist at work asked me how they can get this guy XXXX from Navient to stop harassing them " every half hour, all day every day ''. I have not contacted the lender or debt collector for the past 18 months or so because I feel it has not helped in the past with false claims on options offered ie making arrangements to pay {$54.00} per month, and then two months later needing to go through the entire lengthily process again. I have worked at a non profit public service job for the past 11 years and have not had a raise in 8 years. I make {$XX/XX/XXXX} an hour working a 40 hour week with no changes in my income. I am XXXX years old and have had good to excellent credit throughout my adult life until Navient came into my life. I am hoping you can assist with getting Navient to stop calling my Employer 's main number and my supervisor ; I have not given nor have I ever given them permission to do so. I have however, given them my work cell and my personal cell numbers to call with concerns and issues. Please assist any way you can. This is not only troubling to me but to my co workers who HAVE to answer their constant calls because that is their job. Thank you for your assistance in this most troubling matter. I would be happy to be able to pay them {$54.00} a month the amount they have negotiated with me on several occasions to alleviate this problem. I can not afford the $ 250-300 they continue to seem to want despite offering me options. Ideally it would be a relief to be able to get my credit score back to the XXXX range but I can not see a way out with this navient " monkey on my back, '' Thank you for your concern, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Innovate Managed Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have complained to this company several times, and they keep reporting this fraudulent debt on my credit report. It is identity theft plain and simple. My personal information was STOLEN from a car lot in XXXX, Georgia. The dealership was shut down by the city for an astronomical amount of criminal activity. Innovate Loan Servicing CORP. and XXXX  XXXX is very aware of my concern. However, they choose to put greed over the fairness of the consumers. They have used racist connotations to me a phone conversation stating, " You people do not ever pay your bills. '' Really? Why should I pay a fraudulent debt? I have reached out to XXXX. XXXX  XXXX, and the XXXX It is very unfair, XXXX, and demeaning. I think this company should be fined and shut down.

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 2020-05-19
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they requested my credit report from XXXX  according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail along with a specific set of questions. On XX/XX/XXXX, I sent a certified letter over XXXX with all the information requested by FIRSTBANK. This week, I received a letter dated on XX/XX/XXXX in response requesting the same information that I have sent twice plus additional information including a request for copy of my credit report which is the subject of this complaint since it is not of my interest to share with them. My report is confidential and I'm not interested in any financial service from FIRSTBANK. 

NOTE : This complaint is about an unauthorized request from a bank, not an employer. I don't have or currently am interested in any service from this bank.

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 2020-10-29
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
so i file unemployment i was expecting my card but my card never can in the mail i start reciving deposit from my state unemployment since XX/XX/XXXX but never recived the card in the mail then later i try to call or reach way 2 to go pogram the only way to contact them by phone but i call they never anwser maybe short of stuff people staying at home and working so i recived total of XXXX total in benefits but XXXX dollars was made in fraud purchases from XX/XX/XXXX to XX/XX/XXXX but i could not see this trancsations because i never recived the card and you cant access the website without a card. and you cant check your account by phone without the card. so i was ok maybe when things get better i call again anyway card is not activated so i try to call multiple times and sometimes i waited 5 hours on hold and the disconect and finally so one anwser and other i new replacement card this was on XX/XX/XXXX so when i was talking to the person i ask what was the balance on my card she said XXXX and ask her why suppose to. be more than that she said it was only XXXX i ask her if the lost card was activated she said no so i know some people was getting payments from unemployment delayed so i think that was the issue maybe but no when i recived my card i activate and made my login for the website and then i spend the XXXX left thinking thata maybe the other payments was delayed then XXXX day i went to see all transactions that when i notice that XXXX was use in fraud purchases i made a report on XX/XX/XXXX of XXXX then it took 46 days to investigate the dispute then they denied me but they make so hard to communicate with them and also they did a XXXX dollar purchase in a XXXX or XXXX and how that didnt alarm them no one spends XXXX in a store in foods

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my car was totaled by an accident on XXXX XXXX 18. 
my insurance company paid honda. honda sent me a letter not to continue to pay the lease. then they sent me late notices. i called them they said i had to pay the lease for a car that was paid off by my insurance company. then i get a letter from honda that the car is paid off. the issue is that my credit is wrecked and i annot get it repaired because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove it from my credit report immediately.

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 2018-07-27
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Results Unlimited is ruining my rental history with a collection account that is apparently in my name somehow. After multiple attempts, they still refuse to provide proof of the debt owed. Therefore under consumer protection laws the debt in my name must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they were not able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX   XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019, and XXXX XXXX   XX/XX/2019.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: AR
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 bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}

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 2023-06-09
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I found items in my report that is not supposed to be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
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:
Yesterday I went to the car dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I contacted the police and FTC. These are the items : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX sending a bill on ftc violations remove it from my 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 2017-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is rehashed from complaint XXXX, seeking the dispute of resolved matters after closing this CFPB complaint ... BOA has been given attachements showing the fraudulent charges by XXXX, confirmed by XXXX Presidents office as being almost double of what I was quoted.
BOA refunded {$210.00}, but that was much less than was reversed of XXXX..
Essentially, I want refund of ALL overdraft fees I 've been charged for the last 6 months due to XXXX over billing, debiting my acct for a fraudulent amount, I did not agree to ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20
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:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in letters to you all bureaus on XX/XX/2023 and I havent heard anything back and its been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these account or if this account even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I call the collection office and no one is available to talk to me, also let a message and no one call me  back.

Company response to consumer: Closed with explanation