BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: First Data Corporation
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 is missing that should be on the report

Complaint:
On multiple occasions from XX/XX/XXXX to today XX/XX/XXXX telecheck  has incorrectly reported my personal check writing history to multiple retailers including : XXXX XXXX ( 6 seperate visits ), XXXX ( 3 seperate stops ), and XXXX  ( 1 stop tonight involving two transactions with two seperate checks written by me to retailer ). Each occasion telecheck has denied authorization of 10 seperate checks belonging to two of my accounts one a business checking account and the other a high yield investors checking account. The only grounds for denial being that they have zero history of me writing any checks in the past, which is incorrect as I wrote personal checks from my XXXX XXXX and XXXX checking accounts to my landlord for rent every month from XX/XX/XXXX to XX/XX/XXXX ; all of which were cleared without issue by my landlord. The two payments made tonight were actually authorized with the checks both franked and processed as authorizations, clearly showing an authorization frank on the signature line on the back of both checks and no mark or indication on the back of the check showing denial of payment. The register for both transactions at XXXX  still came up as denial of payment by telecheck which was completely contradictory to what the check itself reflected. I then call the authorization phone line and am told that they were going to decide how much I am allowed to spend out of my own accounts with my own checks, which was a slap in the face at the very least and that I would have to calll the department that handles those issues in the morning tomorrow. All of this during my endless work in repairing my credit and taking my own business to the next level, most of which starts with making these much needed purchases mostly equipment in order to effectively sky rocket my corporation in its infancy. It seems as though telecheck and many other financial institutions/ merchants are purposely attempting to pull the rug out from under me at the most critical portion of my entrepreneurialship at 2 years and 3 months in business. I feel as though I am being completely discriminated against on the grounds of Ageism and My high level of knowledge and intelligence and it has literally put myself and the business in a crippling financial stalemate that could make or break a tremendous enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
New reporting from Enhanced Recovery Company on credit for debt with XXXX XXXX. Have reached out to XXXX XXXX multiple times and every time I have called they have no record of prior phone conversation. Disputed debt with ERC. I had tried to cancel service with XXXX XXXX 3 months prior to getting it turned off. They had charged for the equipment which was returned. They placed the debt with a different collection agency which was disputed as well. I was told I would hear back from them if there were any problems. I heard nothing. This new collection agency stated that XXXX XXXX would have had to notify me prior to them taking the account in XX/XX/XXXX. I did not receive information. The costumer service at XXXX XXXX is never able to help me and every time I call I am on the phone getting changed between departments for over 30 min or the call some how gets dropped. I have not had proper communication or notification about this debt and have tried to resolve the problem over the last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment.

2. ) I received ZERO notification from Navient during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail.

3. ) The Cares Act signed into Law XX/XX/XXXX States that Student Loan Servicers can not report late from XX/XX/XXXX and XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On or about XX/XX/2020 the Manager Of Umpqua bank ( XXXX XXXX XXXX ) Branch Called My Home at XXXX to inform Me what I can Or Can not say on the Public sidewalk in front of the Umpqua Bank in XXXX branch??? Therefore I informed the new Manager She couldn't Tell Me What I can say on the Public Sidewalk!!! She sent me a letter that said My account is closed!!! It also said be sure to transfer Your Social Security Deposit to Your new financial institution ... I did what they said!!! They sent Me a partial payment of one of my accounts with no explanation of Where my money went ... XXXX I received A cashier 's check for $ XXXX of My $ XXXX Social Security had sent Me on XXXX with no explanation where the other monies from My Accounts Went??? It gets Deeper and More confusing for Me because I am XXXX ... I am an individual with Extraordinary Issues The New Manager Just Does not understand!!! Her Job is banking!!! My Job is Living with a XXXX that I do not understand well and Even the Drs. Barely Understand!!! I have been belittled and stollen from by the new manager at Umpqua Bank XXXX ... I went to XXXX Newest Bank ( XXXX ) and the old Manager of Umpqua Bank is there!!! I am Welcomed at ( XXXX ) with open arms!!! And my favorite tellers from Umpqua are at ( XXXX XXXX XXXX ) Too!!! I asked a teller why she changed banks from Being a teller at Umpqua to ( XXXX ) XXXX branch and She said She didn't like the New Manager at Umpqua Bank of XXXX XXXX  Branch!!! Hmmm ... Imagine that???

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 2018-04-15
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have applied for loan forgiveness through Navient ( directly ) and the federal government, but continue to be denied even though Ive worked in a XXXX XXXX XXXX for 13 years. My coworkers have all had their loans forgiven, however Navient has rejected all my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is my second complaint with CFPB about Navient. My previous complaint received a copy and pasted generic response from Navient. I am fed up with dealing with this lender. I was never properly educated on how the interest would capitalize during my time in school and after. I was only given options for repayment that paid toward interest and in very small increments which has increased my balance over 150 % in the last 10 years. I owe 2.5 times what I borrowed and have my made payments since graduation I XX/XX/XXXX. The original lender, Sallie Mae, could not keep their end of the bargain and were conveniently allowed to just change their name and continue business as usual XXXX  borrowers that were defrauded by their schools. When students realized they attended predatory and for-profit schools, the lender should have made attempts to work with the students for relief. It is absolutely unfair that I attended a school that lied about accreditation, did not educate me on cost and taking out loans, and eventually closed their doors ; making my degree a useless piece of paper. I am expected to pay back loans until XX/XX/XXXX, which will equate to over {$600000.00}!!!!!! 

GIVE RELIEF TO STUDENTS FRAUDED BY SCHOOLS THAT ARE NO LONGER OPEN THAT HAVE CREDITS THAT DO NOT TRANSFER!!!!!

1. unclear on capitalization of interest over time of loan 2. loan sale and resale without permission 3. loan capitalization that was over 3x borrowed amount 4. horrible customer service, only offer repayment options that make money for navient and never pay toward the principal 5. late fees before payment due date or when payment was applied twice in one month 6. unfair practices for borrowers, policies do not favor the borrower and lender makes enormous profit 7. estimate of my loan payoff is XX/XX/XXXX with a total payment of over {$600000.00} when I only borrowed {$68000.00}. HOW IS THIS FAIR OR LEGAL???? 
8. can not say enough about the customer service. reps are unkind and I have been told things like if you can afford a mortgage or a car payment then you don't have your priorities straight and you can afford 25 % of your income to your student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is reinserting deleted accounts on my credit report. XXXX XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. This account was deleted once from my credit report and now its reinserted without my knowledge again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The Following accounts have been disputed several time through out 2021 last disputed XXXX/XXXX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the 3 credit bureaus XXXX XXXX XXXX Status date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX XXXX XXXX  XXXX there are 3 different accounts listed for Transunion and XXXX I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is XXXX however there is not XXXX  years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. XXXX shows collection out of the blue with no prior payment history. 
Dept of EdXXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed

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 2017-07-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.

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 2021-03-25
Company: Experian Information Solutions Inc.
State: AZ
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:
Have submitted ALL required documentation to report & block ( remove ) accounts that where reported as identity theft. Ive submitted : - a letter notifying bureau of identity theft - Identity theft report with FTC - Identity theft report with local police dept - list of fraudulent accounts - copy of my drivers license, social security card and recent utility bill.

Ive submitted all the above documentation 3 times with no result.

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 2021-02-12
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
navient and XXXX account XXXX XXXX XXXX XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
during the pandemic last year. my wife and i went to a rough time .where we was not able to maintain our bill and automatic payment was coming out of out of account. i ask for the bank to help us with some fees back they stated is not a bank error, so their is nothing they can do for us. i have over 1000 dollars worth of fees from last year.

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 monetary relief
Consumer complaint received 2018-04-15
Company: WELLS FARGO & COMPANY
State: NY
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:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Wells Fargo Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-09-10
Company: Experian Information Solutions 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 asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2017-07-31
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
On X/XX/17 I sent them a certified/return receipt letter to validate this debt with my signature. They received and signed for my letter on X/XX/17. On X/XX/17 they responded with a letter dated X/XX/17 stating they verified and are reporting my account accurately to the credit bureaus ( attached ). Account number in question is XXXX. On X/XX/17 I sent out my next letter which was 31 days after they signed for my 1st letter. This 2nd letter was received and signed for on X/XX/17. I received a 2nd letter from them on X/XX/17 dated X/XX/17 ( attached ). Both of their responses were the exact same letter. I pulled my credit reports with all credit bureaus on the day they signed for my 1st letter and the 31st day after they signed for them and they had not placed a notice of dispute in comments on any of my reports and they did not send my proof of validation, only verification, which are different. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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 2021-04-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent capital collecting for XXXX XXXX  XXXX XXXX requested validation of debt and they sent me just a statement. I request validation that i signed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX XX/XX/XXXX Never gave permission to run my credit. They did it twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX XXXX was paid in full through filing their credit card as a federal account and paid their debt through my tax return of XXXX. All debts were paid. A year later XX/XX/XXXX they report that i have an collection account with zero balance starting in XX/XX/XXXX. When i called aafes numerous times and ask them if I had an open account and they confirmed it's been closed since XX/XX/XXXX and it's fully paid and no money owed. I have sent their collection company correspondence in regards to fixing this error they made on my credit report and they still have not fixed this issue and I need assistance into pushing this issue to getting resolve as I'm in the process of getting home for my family and this false information popped as a current collection and that isn't correct. it's affecting my health and my family sustainability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I SOLD A XXXX XXXX XXXX IN XX/XX/XXXX FOR {$1500.00} THE PERSON I SOLD THE VEHICLE NEVER TOOK THE VEHICLE OUT MY NAME OR REGISTERED THE VEHICLE I FILE A NONOPERATION PAPER ON VEHICLE INXX/XX/XXXX THE LAST TIME I SMOG IT WAS XX/XX/XXXX SO THE PERSON COULD NOT DRIVE IT OR PUT IT ON STREET SO I FIGURE HE HAD IT IN STORAGE I GOT A IMPOUND LETTER IN THE MAIL FOR VEHICLE AND A LIEN COLLECTION PAPER I SENT ALL THE INFORMATION HAVE ON THE PERSON FROM THE IMPOUND PAPERS WITH HIS NAME CERTIFIED MAIL TO THE LIEN COMPANY LIEN ENFORCEMENT , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2020-08-24
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company has called me 2 to 3 times a day every day for at least 2 weeks. I have called them multiple times and asked them to stop calling me. They said they wouldn't call again, but they still do. I feel like I'm  being harassed.

Company response to consumer: Closed with non-monetary relief