BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for credit card at the children place store and I told the cashier that the address On my state ID is not correct .She stated to me no problem and I gave my right address to the cashier. I do not usually use the card .I made a purchase and the store was purposely sending my statement to the old address because they want to get interest.I have email associated to my account but they never send me email statement or statement to my new address. 
I was surprise to get the mail from them to my new address when I did change of address with post office. When I called them they then change the address but it has done great damage to my credit and I AS WELL PAYED INTEREST ON THEIR OWN ERROR WITH RUDE CUSTOMER SERVICE ON THE PHONE. 
The card is payed off and closed.. 
I never knew it hurt my credit till recently that I went for car loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Since XX/XX/XXXX, Navient claimed that it was not possible to defer the loan because the U.S. Department of Education did not allow it. It is just no longer possible to take out federal student loans for enrollment at the deferment-only foreign university. It does not mean that the loan can not be deferred. 

In XX/XX/XXXX/XX/XX/XXXX, Sallie Mae Bank had exclusive rights to issue Federal loans to XXXX students. Sallie Mae Bank cheated the system and refused to issue XXXX XXXX   but private loans only, when XXXX was still eligible for XXXX XXXX. Navient is now the servicer for this loan. 

Last week, I sent complaints to Office of Inspector General ( ref # XXXX ) and FSA Feedback System. The XXXX said that the students that stayed at XXXX to finish the education can still get deferral. FSA Feedback System also advised that CFPB should directly handle the case. Navient must not be allowed to keep on closing a CFPB complaint by just sending in a response without taking action to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company 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 XXXXXXXX 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 2018-05-18
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I am writing to dispute a collection reflecting on my credit report.

Creditor : UNIVERSAL RE Amount : {$74.00} Date Opened XX/XX/XXXX This shows it's a debt for an insurance agency. I do not recall this payment and was not notified of this bill until I pulled my credit recently.

I have called this creditor to get this resolved but they can not guarantee this can be removed even if I pay this.

I would like to request this debt to be Removed from my credit report.

Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/18 Transunion, XXXX, XXXX  Reported account with XXXX XXXX XXXX as an OPEN account in Collections. 
This account has been in Charge OFF status for over a year. 
After sending factual information in regards to the inaccurate monthly terms reported, in the amount of 81months ( Should be 72 months, according to contract ). They have failed to provide proof of the balance calculations listed on my credit report.

After disputing the first time, this company updated my late payments reported ( my extended amount of days late on certain payments ). Still not providing PROOF. 
NOW they have an account, which is remarked as being a write -off, as if it is an active account in Collections. 

This company is in violation of the FDCPA and the credit bureaus are in violation of FCRA and have failed to complete a proper investigation.

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 2019-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited a check for {$120.00} from my XXXX XXXX XXXX XXXX XXXX account into my Bank of America account on XX/XX/2019. For some unknown reasons, Bank of America pulled off the check, that's what I was told by Credit Union, because the funds was there in the account, yet Bank of America pulled off the check and returned it as unpaid.Now, on XX/XX/2019, Bank of America placed a hold on the same check # XXXX, then withdrew the funds from my Bank of America account, and charged me {$12.00} charged back fee, and that gave Credit Union the opportunity to charge me {$30.00} fee, even though the funds was available in the account. My question to Bank of America is, why did they extract check # XXXX from my BofA account, and also charged me {$12.00} charge back fee, instead of getting it from XXXX? Secondly, what happened to check # XXXX on XX/XX/2019, for it to be returned unpaid?

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 2019-02-28
Company: NCC Business Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I currently have an account of {$280.00} owed to NCC business services. This account is in collections from an apartment complex called XXXX XXXX XXXX in South Carolina. The account was placed into collections in XX/XX/2018. I have never lived in South Carolina and have owned a home for the past three years. I am not renting an apartment. I have spoken to both the XXXX XXXX and the collection agency and have not been able to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Account information incorrect

Complaint:
I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's Experian & XXXX to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), and XXXX XXXX ( XXXX ) which makes me believe the debt has been re-aged. I would also like it to be noted that XXXX is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for Experian and XXXX. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at 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 2020-06-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My name is XXXX XXXX. I have an account at Santander Bank. Recently I have fallen on hard times due to the Covid crisis. I work as a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ma. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I make {$14.00} per hour. I try to work 60-80 hours a week to make ends meet. But recently many of our clients have passed away due to the virus so my hours have been cut severely. Unfortunately I still have the same bills. I knew I would over draw my account. However I thought that Santander would clear items that clear the same day in order of amount so that smaller items would clear first thus reducing the number of fees in a day. Instead they clear larger items first in order to maximize the number of over draft fees. For instance on XX/XX/XXXX they charged me 6 overdraft fees of {$35.00} each and then charged me an additional {$35.00} fee for a {$10.00} item that cleared on XX/XX/XXXX. In the period since XX/XX/2020 I have received ( 52 ) {$35.00} fees totaling {$1800.00} of which I have made ( 3 ) requests and received only a refund of 8 of those fees totaling {$280.00}. Therefore Santander has collected a total of {$1500.00} in overdraft fees in 3 months. I get direct deposit every 2 weeks into my account at Santander but the net amount of my paycheck averages {$1200.00} so each payday half of my check is used against my negative balance for fees therefore I can not catch up and more fees happen. All I have asked is for them to charge the fees fairly. Clear small dollar transactions first. If they did that I would have received only a third of the fees that they charged. Please assist I cant even pay for my health insurance that is due today and I am so scared. 
The name and address that my account number is under is : XXXX XXXX XXXX XXXX XXXX XXXX Ma. XXXX Acct number ends in 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 2020-11-05
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Eight fraudulent accounts were opened up in my name via SunTrust Bank. After completing an investigation and concluding that the accounts were indeed fraudulent Suntrust closed the investigation with out closing the account. When I call to inquire about the closing of the accounts I am being told that the account are still under investigation while at the same time being told the investigation has been closed. I am going in circles with this institution and need assistance in getting this issue resolved. 
The case Id I was giving back on XX/XX/2020 is XXXX. I was alos informed that they may be a student loan opened up in my name but no details will will giving to me about the loan. Customer services representative also denied me the opportunity to speak to a supervisor regarding my case.

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 2018-12-17
Company: AmerAssist A/R Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amerassist reported over {$1500.00} to my credit report for a debt I do not owe. I have spoken with MULTIPLE representatives to advise that the account they are speaking about is not mine and I have spoken to the company XXXX XXXX and have a letter proving this. Along with a signed General Release form. Yet, I still continue to get harsh aggressive letters and phone calls and now the debt is wrongfully on my credit report hindering me from purchases and many other things at this time. 

Will supply copy of the release form if this goes to court for defamation due to the impact on my credit and financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE A COLLECTION FROM RESURGENT/XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX. I DO NOT OWE THIS COMPANY ANY MONEY, I ALREADY FILED A POLICE REPORT AND MAILED IT TO XXXX  XXXX   AND XXXX. I REQUEST THAT THIS ITEM BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They hired an attorney years ago to foreclose on the property. At that point I had no access to the house. They stopped it for unknown reasons. I have tried to do a voluntary give back. I've tried to do a quick sale with no response. At one point I even did a loan modification with it resulting in them losing my paperwork. I work very hard to keep my credit good. I feel I have gone above and beyond to resolve this with no response from Ditech. I do not believe they are acting in good faith and are ruining my credit even though I have attempted to resolve this balance. I hope you can help me get them to moving forward. This is not the original mortgage company, it has changed hands a few times. Thank you in advance for your time. 

Ditech Financial loan # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: MRS BPO, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX I received a letter from : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX Under the acct # XXXX indicating that a debt from XXXX was owed. This was disputed as I did not have a contract with XXXX nor MRS BPO LLC, and sent via certified letter back to the company. At the company an individual named XXXX XXXX signed for it on XX/XX/2018. I now in XXXX have received the same letter from the same company for the same debt under a new acct # XXXX, and they're saying they didn't receive the certified letter for the previous acct number that was listed, and it has a new acct number because the debt was transferred between departments within their company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: Mandarich Law Group, LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is an improper mailing of court documents issue. The Debt collector physically served legal documents without an envelope to third parties on XX/XX/2019. All of my information was exposed to everyone who handled the documents, the person who was physically given the documents and everyone in their household as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: OR
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:
This is now my THIRD complaint. There should only be ONE name on my credit report. XXXX XXXX. ONE address on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX. Having other names and addresses make fraud more likley since I would not receive mail there.

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 2018-12-17
Company: Early Warning Services, LLC
State: NC
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 recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Navient Solutions, LLC.
State: CA
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 sent 7 previous letters to the US Dept of Education and Navient, XX/XX/2020, XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/XXXX and XX/XX/2020 that I have repeatedly made offers for settlement of the alleged referenced matter immediately upon providing me with written and legally binding assurance that they will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form with the original signed consumer contract, and if unable to provide I have requested that they remove and delete inaccurate, incomplete, and unverified information from my file and they have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate, incomplete, and unverifiable and that are in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and Regulation V, the Truth in Lending Act ( TILA ) and Regulation Z, and Fair Debt Collection Practice Ave ( FDCPA ) by ignoring my requests to make arrangements for settlement of the above referenced matter. 

Yet they have not verified or validated that this alleged debt to be in fact mine. 

They previously stated on XX/XX/2020 " The Department only provides the original promissory note to a borrower after his or her debt has been satisfied in full. '' This is in clear violation of TILA regulation Z, as this information was not advertised on the master promissory note, as according to TILA they need to provide additional disclosure, such as not being able to provide the original promissory note. 

And in violation of FCRA Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Under the FCRA, inaccurate, incomplete, and unverifiable accounts and information must be removed and deleted. 

They have previously sent a discharge letter that I ignored, because this was not my request, I asked for validation and verification that these alleged accounts were mine with evidence of the original promissory note bearing my signature, as they have failed to do. As they have also tried to re-age my account and falsely claim I made a payment on these accounts in XX/XX/2020. 

They have continued to keep these remarks on my credit report, reporting to all three bureaus that this account is verified and correct. 

I have contacted the 3 credit bureaus XXXX, XXXX, and XXXX, with all documentation and my credit reports and they have all failed to comply and ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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: Old information reappears or never goes away

Complaint:
The XXXX account first date of delinquency is more than 7 years old the account has been closed and the account is reporting beyond the credit furnishing statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer 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 non-monetary relief
Consumer complaint received 2018-04-18
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I need CoinBase/XXXX to stop holding my money XXXX. 
They won't even let me LOG IN to see what happened to my balance. 
No one is giving me real answers and they *refuse* to give me any information about the status of my account.

Company response to consumer: Closed with explanation