BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: PNC Bank N.A.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I attended the XXXX  XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly. 

It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for. 

After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX  XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA. 

This debt, that I assume XXXX  XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion is still reporting money lion on my account I have tried to contact them sent letters and called disputed multiple times online

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 2021-10-27
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:
XXXX XXXX XXXX XXXX reported balance {$230.00} This account doesn't belong to me i tried contacting the company numerous times and haven't been shown proof this account is mines i want it removed from XXXX report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX . XXXX # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX, CA XXXX Not my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Not my address * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian did not investigate an account on my credit profile for XXXX   XXXX this is not my account and I have never had an account with them.

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 2017-08-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have called Navient numerous times to see if they could help lower my monthly pavements and the say they ca n't even though my family has grown and has medical bills making it hard to pay my full monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Hawes Klein LLC
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 tried to call all three bureau 's and the company, i even wrote numerous of letters to explain that this is not my account. i asked the company to provide proof of contract and they keep sending me a bill, which is not my bill? A bill does not show proof that i signed a document. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I know my rights and they are trying to make me pay a debt that does not belong to me. The credit companies sent me someone else 's credit report a while back so what makes me believe they are not mixing me up with this person again.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I noticed that my credit score is low. I dont understand why you put this information, I dont even know these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PRIMARY RESIDENTIAL IS A DEBT COLLECTOR AND IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL. I AM THE CREDITOR THAT GAVE XXXX XXXX. THIS IS MY 3RD ATTEMPT WRITING ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BUT GIVING YOU AN OPPORTUNITY TO REDACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: First Data Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX  the end of XX/XX/XXXX about a check cashed at a XXXX in XXXX TX on XX/XX/XXXX. I wrote back and sent the first letter Ceritfied Return receipt mail, I have received the proof they got the letter on XX/XX/XXXX and they sent back a collection letter with a copy of a receipt from the XXXX and some forms I refuse to fill out as they have no right to that information and have not shown proof this is my debt and there is no way in XXXX or Earth that it could be. The signature was a squiggle and unreadable, there was nothing else that showed a name, address, or any identifiable information on the copy they sent and no proof that it could have been mine. I also was in Indiana on that very same date at work, I do not even have a checking account, and I have witnesses that can prove I was nowhere near Texas. I sent a reply and I again asked them to stop all contact, as this was definitely not mine and told them why. But they sent more collection letters, so I sent two more dispute and stop letters to them XX/XX/XXXX telling them why it couldn't be mine again. I have received one of the two return receipts back on XX/XX/XXXX signed as received on XX/XX/XXXX. I have now received another letter on XX/XX/XXXX stating they will not investigate or acknowledge it is disputed unless I send them my banking information and file an Identity theft form with them, that asks for a lot of personally identifying information. I will not send any of this, as they have not shown me how they came to think this is my debt, they have not shown how they verified this, and I do not have banking information for a checking account to send them anyway. TRS is ignoring the cease and desist dispute letters, and refusing to send the proof that they have verified this is my debt. I want them stopped and this cleared up and to make sure they don't attach a debt that is not mine to my credit report. I have seen too many complaints on TRS about them misusing the information sent to them also, and I do not want to take that chance, and since they are not following the law I definitely do not trust them.

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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I noticed that my credit score is low. I dont understand why you put this information, I dont even know these accounts

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 2021-03-09
Company: SYNCHRONY FINANCIAL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, SYNCB/PAYPAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-10-27
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a notice from Aargon Agency regarding a debt that was referred to them by XXXX in XXXX, CA. I spoke to XXXX and requested to verify the debt. This verification was to also include a copy of the contract with XXXX. I did receive in the mail a print out of billing however I did not receive the requested copy of the contract. I called and requested a copy. I never received it. In addition there has been no activity on this account since XX/XX/XXXX ( per XXXX at Aargon ) and collection action has not commenced until XX/XX/XXXX. I am filing a complant because Aargon Agency has 1 ) violated Code of Civil Procedure 337. A which clearly states that in California debt collection has a statute of limitation of four years which this debt is over and 2 ) violated Fair Debt Collection Practices Act by not providing accurate and complete verification of the debt.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
MY CREDIT REPORT HAVE INQUIRIES THAT WERE NOT AUTHORIZED BY ME. I HAVE AN ALERT THAT REQUIRED ANY COMPANY TO CALL ME BEFORE PULLING MY CREDIT REPORT. THIS COMPANIES DIDNT CALL ME BEFORE PULLING MY CREDIT REPORT. XXXXXXXX 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion Re : XXXX XXXX XXXX Delete this account for reporting inaccurate information on date of first delinquency.

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 2022-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name # XXXX XXXX XXXXXXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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. 

Account name # XXXX XXXX Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX 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. 

Account name # XXXX Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank has sent me a letter to close my personal bank account and when I call in they have no reason why and the letter I received is treating me that they may close my other accounts ( Business and Credit Cards ) and I am and have been current no bad checks etc ... I want to prevent this from happening I have all my credit cards coming out in auto pay this is a disaster. I need help ... If they close my Credit cards ( 2 ) than they are going to tank my credit that I need to conduct my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a XXXX condominium  development company ( XXXX XXXX ) setup a display table in XXXX XXXX, located at XXXX XXXX XXXX XXXX. and was distributing brochures depicting renditions of future condominium development projects in XXXX and selling reservation / contracts. The XXXX XXXX sales representative came to our home the afternoon of XX/XX/XXXX. We were hesitant to buy but the sales rep indicated he was leaving town the next day and there was urgency to sign. The sales rep asked for and received the payment account information as part of the reservation process. Immediately after the sale rep left our home on XX/XX/XXXX, we contacted XXXX XXXX, spoke to the sales rep and cancelled the reservation. He indicated all sales are final and the {$1900.00} will be debited from my USAA checking account and the reservation fee was not refundable. On XX/XX/XXXX I delivered a written request to cancel the transaction- see attached. The XXXX XXXX company has refused to the acknowledge the cancelation request and is ignoring the 3 day right to cancel law. The cancellation email thread is attached for your reference. Scroll down in the email to locate the beginning of the conversation. 

1. The USAA Federal Bank will not reverse the transaction even after receiving legitimate proof of cancellation. 
XXXX. XXXX is the third-party payment transfer company that debited the account on behalf of XXXX XXXX XXXX 
XXXX. XXXX XXXX unlicensed foreign company pressuring people to by real estate and then refusing to follow existing consumer protection laws regarding right to cancel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email on XX/XX/XXXX that I thought was from my title company, XXXX XXXX XXXX XXXX, requesting the closing funds two days before closing on my house. The scammers had attached my exact Closing Disclosure and included the signature of my escrow processor. I believe they acquired those by hacking the title company. I had been expecting communication with the title company to send closing funds, so I took their information and sent them the funds via wire transfer from my Chase Bank checking account to the recipient account, held by a person named XXXX XXXX with XXXX  XXXX XXXX, on XX/XX/XXXX. I realized the email was fraudulent roughly one hour after initiating the transfer. I immediately notified my bank to try and stop the transfer, but it was too late. I initiated a recall at that time ( XX/XX/XXXX ). I also filed a police report with the city of XXXX, MI on XX/XX/XXXX, and filed a complaint with the FBI on XX/XX/XXXX. Chase Bank notified me on XX/XX/XXXX that they will not be taking any further steps to try and retrieve the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax fraudulently illegally and intentionally withholding anticipation refund, fresh start to conspired against employment subsidies plans permanent protection plans on XXXX XXXX XXXX And XXXX XXXX XXXX causing Homelessness on XX/XX/XXXX form Homeowners Parcel permanent paid in full address XXXX XXXX XXXX XXXX , louisiana XXXX stolen by fraud and forced scams taking Internal revenue services public transportation subsidies programs tax payers and first time Homeowners Deeds that holds certain pieces or portion of Ground together with all of the buildings and improvements and all the rights, ways, privleges servitudes and Advantages in XXXX XXXX state of louisiana XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX bounded by XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX as shown on survey by XXXX XXXX XXXX dated XX/XX/XXXX return Homeowners 100 % Deed property address XXXX XXXX XXXX XXXX , louisiana XXXX back to rightful owners XXXX XXXX XXXX & XXXX XXXX XXXX immediately ASAP stamped forever Free from salvay under signed notary by Attorney XXXX XXXX XXXX until death by signed on XX/XX/XXXX foward to XXXX XXXX Government Building and convenience office and resolution matter resolved and restore back To rightful Homeowners XXXX XXXX XXXX And C/o XXXX XXXX XXXX immediately removing off property XXXX XXXX XXXX XXXX , louisiana XXXX forever XXXX XXXX XXXX and XXXX XXXX XXXX eviction notice served now by XXXX XXXX Sheriff 's and XXXX XXXX Constables and fraudulently fake fase Default desion against XXXX XXXX XXXX And XXXX XXXX XXXX rightful Homeowners of property address parcel # XXXX permanent Homestead exemption records of receipts and closing costs paid in full notorized by Title Insurance underwriter XXXX XXXX XXXX XXXX producer license # XXXX notary public Bar XXXX state ID number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bayview loan servicing is using a delay tactics to provent the transfering of mortgage loan to the XXXX XXXX XXXX 's XXXX XXXX XXXX. credit union requested payout of loan number -XXXX-they said they could not send it until XX/XX/XXXX. XXXX XXXX XXXX 's XXXX XXXX XXXX also reqused the verfaction of mortgage they are also saying they can not send until XX/XX/XXXX. This is a delay tactic and it is not necessary to take that long. <P/><P/>The XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation