BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was on XXXX XXXX status last year for the XXXX and Navient kept raising my interest and demanding payments after I submitted an XXXX XXXX deferment on the student loan payments. At one point during XXXX XXXX I was under so much stress about the situation that I went to the military 's XXXX XXXX clinic. After I came back from XXXX XXXX, I started dutifully submitting the payments under the military 's student loan repayment plan. It took months of trying to contact them, but I eventually got in contact with someone in their department who is supposedly Navient 's representative to the military and resolved the issue and lowered the interest and corrected the payments. But I still have the documents from them demanding payment and raising interest while I was on XXXX XXXX status. Even though they made the financial corrections, they caused too much stress for me and I believe they did me harm that has to do with a health issue. It took me months of contacting them before we could even begin to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: MiraMed Revenue Group LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pulled a copy of my credit report around the beginning of XX/XX/XXXX. I noticed that I had 3 accounts showing on my credit report from Miramed Revenue Group. All 3 accounts had different account numbers and had totals of {$50.00}. I called them they informed me it was copays from varies dates with XXXX XXXX. I advised I would pay off the accounts that was showing on my credit report and set up payment arrangements for the rest of the accounts. I made my payments on those 3 accounts showing on my credit report on XX/XX/XXXX. I called them today ( XX/XX/XXXX ) because the information still hasn't been updated on my credit yet. I was advised by a rep. that they would not update my paid accounts to the credit bureau 's until I paid all of my accounts off with them. I advised them that all the accounts with them have separate account numbers and are all for different dates of service. So they needed to update the information according they refused and stated they aren't sending anything to the credit bureau 's until I satisfy the other accounts that aren't showing on my credit report. I haven't received anything from them In regards to any of the accounts. Please help I dont think this is fair. I am trying to repair my credit and the fact that these may show for a longer time even though they are paid isn't fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: LA
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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 am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Glass Mountain Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
his number called & left a message that said : XXXX XXXX calling from XXXX XXXX XXXX in regards to referernce ID XXXX. I would need to hear a call back from you at XXXX. I'll be in the office here today till XXXX. Then I got a call from the same number 3 minutes later saying : XXXX XXXX from XXXX XXXX XXXX. I think this is bogus. I am not going to return the call. If they call again, I am going to try & respond through the XXXX Messaging Service I used to make them leave a message. I am going to request something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: OH
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 a compliant from XXXX which is attached. I received notification from XXXX first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the Equifax XXXX and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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, and XXXX XXXX  Plus there are about 100 soft inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: DISCOVER BANK
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. I opened an account in response to a promotional offer 2. Complied with requirements of the promotion - deposited $ XXXX by required date 3. The Bank is refusing to give me the promotional bonus of $ XXXX 4. Bank 's claim is that I had a previous account 5. Previous account was closed by Bank employees, due to on-line transfer issues, and Bank employees opened the new account 6. At the time I transferred the funds, XX/XX/2018, Bank employee ( I have the Name and Reference numbers ) assured me that the bonus will be paid 7. A subsequent phone call on XX/XX/2018, I was further assured that fund transfer is completed as required and Bonus will be applied to the account 8. After numerous correspondence, no action has been taken 9. I have not received any response to a letter to Ms. XXXX XXXX, Executive Vice President/ Chief Marketing Officer on XX/XX/2018 2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency 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 2019-10-07
Company: Navient Solutions, LLC.
State: FL
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:
I have been operating under the assumption that I have been satisfying the requirements for the federal public service student loan forgiveness program. Several years ago I reached out to Navient to understand the eligibility of my loans to the program. They said I was eligble but had to wait until I made 10 full years of payments. Upon completion of my 10 years of service I submitted the paperwork only to find out that the way my loan was structured it rendered my loan ineligible for loan forgiveness. I understand now that Navient may have been intentionally misinforming or under informing customers about actions they needed to be taking in order to qualify for this. So rather than having the full balance of my loan forgiven I still have over $ XXXX in loans that need to be repaid. I feel Navient has been operating in their own best interest and not those of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: American Collection Systems, Inc. (OH)
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacted company over a year ago to cease and desist, after not receiving verification of debt. 

The company shared / school, is not verified and I have no record or knowledge of debt. 

The company has continued to contact parents home and cell numbers, even after they requested them to stop contacting ; in addition to making repeated, early/late, and harassing calls. 

Shared information about collection with parents - even after they shared they did not have contact information ; I am activity duty and parents do not have contact information, as they shared ( depending on TDY ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had a few debts from XXXX XXXX sent to this particular debt collector called California Credit Bureau. I have just paid for another one today. 

First to note, is that XXXX makes their billing system very confusing, and it is very difficult to understand their billing and insurance statements. For example, we pay all co-pays ( typically {$30.00} - {$100.00} ) for my family of 5 at each visit. Often, XXXX will bill the co-again on the follow up bill. We dont pay it because we KNOW we paid it at the office, etc. 

The issue is that this collection agency uses virtually NO communication, which makes it impossible to resolve prior to going to collections. I think they are actually doing this on purpose so they can make the added fees. They claim they leave phone messages - of which I have never received one. I verified my phone number and address they have on file. I do get some phone messages that sound like robo-calls occasionally, but the first 5 - 10 seconds are cut off and you hear the dialog only say ... .call 800 ... but not identify who it is or what. 

On this last collection of XX/XX/XXXX for {$180.00} ( which I just paid ) I asked when was the last written communication for this and verified my address. They said XX/XX/XXXX for a debt incurred in mid XXXX, and recorded a collection on my credit in XX/XX/XXXX. They said they made no communication to me from XXXX to XXXX of XXXX, and only sent 1 letter back in XXXX. This seems predatory to NOT attempt to communicate and them trump up the charges and record a collection on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
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: Information belongs to someone else

Complaint:
XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Hello, On XX/XX/2019, I went to the XXXX XXXX office in XXXX, MA. The reason I was going there was to figure out the plan changes on my line. Before figuring out what was happening, the person who helped me put me on a new plan and ran a hard inquiry on my credit report. I was not informed about an inquiry and I explicitly told the person that I have no consents for any credit checks. The person assured me that since I am with XXXX, there will be no credit checks. In the end, I received an email from XXXX that XXXX put a hard inquiry to my credit report via Equifax. I disputed to this inquiry through Equifax since I did not authorize this procedure. After these I asked the person to undo what he has done but he said it is too late. XXXX sent me a receipt via email for my plan change. I have not seen any receipt in the store so my sign is missing in the receipt. I have not authorized a single operation in that store. Yet, they put me in a plan, they ran credit checks on me. On the other hand, I called XXXX XXXX to file complaint about the poor customer service I received. I requested from XXXX that if they could also dispute or undo this unauthorized credit check. I was told that it is impossible by XXXX. After this, I switched from XXXX to XXXX by XXXX same day because of this issue. I'd like XXXX to dispute any kind of hard inquiries to any credit companies on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions 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:
I noticed multiple inquiries on my report that I do not recognize

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 2018-03-16
Company: Experian Information Solutions Inc.
State: NV
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:
To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, XXXX, and Experian. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, 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 non-monetary relief
Consumer complaint received 2018-08-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My name XXXX XXXX XXXX, I had funds drop in Wells Fargo Bank, back in XX/XX/XXXX. I had two checks written on U.S. treasury from Social Security XXXX? The amount of two checks {$30000.00}, and {$20000.00}. I noticed that when I would go and draw funds, more funds came out then just the requested amount. 
I called a Police report lived at XXXX XXXX XXXX XXXX, XXXX XXXX, Calif. XXXX. The police report will have to request from XXXX XXXX, Police Department. The amount stolen is {$12000.00} I have called and the Fraud line and called the Fraud line, to no action back from Wells Fargo. As you can see we are in XXXX XX/XX/XXXX. To date no Action has happen.

I've ask begged give letters, Police Reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Dear Mr. XXXX, this is another follow up to initial CFPB, case # XXXX and case # XXXX. Since you haven't answered questions in my previous submission, I have to submit another complaint. 

I will start with a bottom line : I looked on the internet - the US Treasury and US Department of State web sites - and to my knowledge there are no sanctions placed on XXXX as a country, only on selected individuals and companies undermining dependence of XXXX and its territorial integrity. Overall, the US acts as an ally to XXXX helping to combat XXXX 's aggressive behavior. 

Mr. XXXX, I have to inquire again : please, provide a name, a number and a date of the sanction/Executive Order/other document, which directs CITI BANK to not open account for me, a citizen of XXXX. 

Please, familiarize yourself with a full list of sanctions. 
From XXXX Department XXXX XXXX, XXXX : //www.state.gov/XXXX   XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Additional Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons and Prohibiting Certain Transactions With Respect to the XXXX XXXX XXXX XXXX Executive Order XXXX was issued on XX/XX/XXXX and authorized the imposition of sanctions on individuals and entities determined to be responsible for or complicit in malicious cyber-enabled activities that result in enumerated harms ... 
Executive Order XXXX issued on XX/XX/XXXX, amends EO XXXX. E.O. XXXX focuses on specific harms caused by significant malicious cyber-enabled activities, and directs the Secretary of the Treasury ( ... ) to impose sanctions on those persons he determines to be responsible for or complicit in activities leading to such harms. 

You can review information about sanctions here : https : //www.treasury.gov/XXXX You can see a complete list of people under sanctions here : https : //www.treasury.gov/XXXX I would be happy to schedule a call with you and discuss this in details - so far my call have been unanswered. 

Thanks for your time.

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