BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I got these loans as a XXXX kid who wanted to go to college. If Im being honest, dealing with Navient and student loans in general has soured me to college at all. It costs too much and they are loath to help if you are in a financial bind. They will not defer due to hardship and they dont communicate well. When I asked for an automatic payment to be cancelled, they didnt do it and it wasnt in the notes. My call happened to drop when I was asking for that and I was overdrafted by {$140.00}. I have kids and Im trying desperately to make enough money to pay off these loans despite my degree not helping me at all. The last lady I spoke to had an attitude and acted blas about my request for refund since they over-drafted my grocery money. After she said she wouldnt help unless they listened to the call, I just hung up. They also call me and my co-signer constantly. I had to block their number ( send it automatically to voicemail ) on my phone because they would call me upwards of 4-6 times a day. I have told them time and again that I want nothing more than to pay them off and be done with the whole thing. I want to do things right, but I didnt know what I was doing when I took the loans and dont recommend private student loans at all. Im essentially paying for what amounts to nothing and its drowning me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
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: Information belongs to someone else

Complaint:
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.

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 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 2021-12-06
Company: Experian Information Solutions Inc.
State: NY
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 explained it before to Experian about the fraudulent charges committed by XXXX XXXX to me, that affected me negatively on my account producing so many illegal overcharges, that even affected me 3 times to pay on time to XXXX XXXX services I sent the proves and court papers from the FTC to XXXX, and XXXX removed this account from my credit report I sent the same proves to XXXX investigate the case and XXXX removed the account from my credit report I sent more than 14 times this proves to Experian over and over and they were unwilling to remove this account from my credit report Experian never sent any documents about the investigation they dont give me a reason why this account still on my credit report The only credit agencies that listen to me and reply me back on letters were XXXX and XXXX XXXX they found the account inaccurate for the based on the information I provided it about the fraudulent charges and Illegal activities done by XXXX XXXX XXXX do not understand why Experian is the only one from all the credit reporting agencies unwilling to remove the XXXX account from my credit report This is prove with documents, with files and many visual proves but accuse Experian of not making any real investigation 2 mayor credit bureau XXXX and XXXX Did a real investigation and found out that I was right and removed it the XXXX account from my credit report Im tired of Experian They dont send me any documents about all my disputes

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 2019-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today is XX/XX/XXXX, I received a letter from Experian credit agency regarding my dispute of the item that has been on my credit profile since at least XXXX. There response is that the information I provided from XXXX  credit agency that stated the item was paid in full, was irrelevant, which is false, they have made a determination that the item is mine, treating the issue as Frivolous, I have took a lot of time to dispute this item and I am being ignored, which is very unprofessional coming from a agency like Experian. No Way this dispute is being verified and yet they continue to mail false letters of verification.

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 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/21 I called Transunion @ XXXX and verbally submitted an dispute with them about the inaccurate information ( bankruptcy ) on my credit file that they maintain under my XXXX #. On XX/XX/21 I called to check the status of the dispute and the lady said that it was verified as accurate. On XX/XX/21 I certified mail a letter to TransUnion requesting a REINVESTIGATION and METHOD OF VERIFICATION. On XX/XX/21 I received a letter letter back from Transunion stating once again that the account was verified as accurate. XX/XX/21 I sent another letter requesting a REINVESTIGATION and METHOD OF VERIFICATION. On XXXX received another letter from TransUnion stating that it was verified as accurate in which I than called and spoken to a lady by the name of XXXX about their METHOD OF VERIFICATION and she stated that she couldnt give me their METHOD OF VERIFICATION and hung up on me. I called right back to now be in touch with XXXX, I spoken to XXXX and inform him to that I was calling requesting an REINVESTIGATION AND METHOD OF VERIFICATION of the bankruptcy, XXXX than stated there is no such thing as a METHOD OF VERIFICATION and to not asked for one in writting or verbally because TransUnioin will not respond to any request for one, and if I do request for one it will come back verified as accurate only. I than proceeded to inform XXXX that I will be excercising my rights by certified mail again and now with him verbally under the FRCA Section 611 ( a ) ( 6 ) and ( 7 ) in which the credit bureau must give you the METHOD OF VERIVICATION within 15 days of your request and that any automated response or e-Oscar verification is unacceptable and if TransUnion doesn't respond they are in violation of nthe FRCA. XXXX said let him talk to his but instead he hung up on me.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
Bank of America reported some overdraft accounts on reports to XXXX XXXX XXXX and XXXX. I paid off all my accounts with Bank of America ( even one I did not recognize as being mine ) in a total of {$790.00}. This was paid in full on XXXX XXXX, 2016. I requested from Bank of America to removed the accounts from both of the agencies listed above. During my calls to Bank of America there was difficult in them getting me to the right department and person to talk. I later filed a dispute for removal from XXXX XXXX XXXX on XX/XX/XXXX They removed none of the accounts. ( Thought them removed all but one but the copy I have from XXXX XXXX shows updated they were paid not removed but XXXX shows all but one removed. For this account they listed the contribution reason as " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I have asked Bank of America for the details of this to no avail. The last representative I spoke with stated I had done everything I could do and she did not know why it was not removed. They sent a response to me which was dated XXXX XXXX 2016 upholding their decision but no specific information was provided. I have never nor have I never attempted to commit any form of fraud.

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 2018-01-22
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PMAB recently put over 25 collections on my credit report. I have no idea who they are and I never received a notice from them. They just put it on my credit. 
I called them and demanded them to show me what they were for and the refused. They claim it is old medical bills from XXXX & XXXX but they said they do not have to give me the info. 
For one the NC statute on debt is 3 years, so if they are mine then they are past the statute of limitations. But I have insurance and always have so they can not be mine. 
Are n't they required to send me proof? how can a company just put so many items on my credit just because?? I have contacted my attorney as well. This is a clear Violation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: AL
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 attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount de {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car differed from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX XXXX to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for XXXX month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX. I cancelled the insurance ( XXXX ). As XXXX Car  Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to DMV. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to DMV New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: NATIONSTAR MORTGAGE LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my mortgage with XXXX Mortgage ( since XXXX ). While with them, I had my mortgage recast twice at no extra cost. They have now transferred my mortgage to Nationstar Mortgage or Mr. Cooper. I learned today ( XXXX/XXXX/XXXX ) Mr. Cooper charges {$270.00} to recast in my state. I reached out to XXXX. They said that Cooper can charge whatever they want. I said that 's ridiculous. Who the heck would contract with something called Mr. Cooper for a mortgage anyway? Ca n't believe  companies can just transfer loans and then those new companies can then charge new or increase fees for same services ... scary!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: AL
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 attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. its been over 30 days.

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 2021-12-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I had closed my chase account on XX/XX/XXXX or had at least requested it to be closed at that time. They told me that they would send me a check with the 20 dollar balance that was on the account when i completed the account closure. In early XXXX I did call back to check to see what the status was on the check. The representative I spoke to said I had nothing to worry about and to just wait for the check. It is now XX/XX/XXXX. I recieved a letter from chase stating that the check was dispursed on the XXXX of XXXX. Still havent recieved the funds. Attempted calling again but the line hung up on me and when i attempted to call back they said they were closed. Could you please help me recieve my 20 $ from my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Recovery Solutions Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I submitted a written notice to the debt collector informing them to stop contact with me. The contact has been extremely harassing, and unwelcomed. This debt collector has repeatedly used the phone to annoy me. This debt collector has informed she would hang up while I was speaking, and she did just that. Anytime an individual hangs up the telephone abruptly, ( as this debt collector did ) obviously the conversation is not welcoming, but instead extremely negative. 



Background Information : I suffered a house fire in XXXX, and the company they represent for the debt has not returned my personal belongings they removed from the property during a time I trusted them to clean up fire related damages. The personal belongings removed from the house were not fire-related, neither damaged by the house fire and to date has yet to be returned, or paid for. The company this debt collector represents is XXXX XXXX. 

Despite talking to this debt collector in the past, to date I have not received any written validation notice showing how much money I allegedly owe, the name of this creditor ( provided verbally but not in writing ), and instructions on what to do. Especially since I informed the debt collector that I dispute the debt. 

This debt collector informed she spoke with my insurance company, XXXX XXXX, and XXXX informed her that I received a check with a specific amount of over {$6000.00} dollars. I did not give permission for this debt collector to contact my insurance company for any reason. In fact, the last time I communicated with this debt collector, she informed me she would communicate with their client XXXX XXXX as a follow-up to the information I provided. I believe this debt collector violated the law by discussing information related to the debt with anyone other than myself, as my husband is deceased. 

The information this debt collector informed she collected was not to find my address, nor home phone number, nor where I work, but she collected information on my house fire claim damage payments and checks. I believe this conduct is a violation of the law. I did not give permission, neither was the permission requested by the debt collector to contact my insurance company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Vehicle shopping and was already financed through my bank, informed the dealerships that I was browsing that I already had an approved check through my bank and no financing needed to be done due to being financed through my bank. I did not give permission for my credit to be ran causing me to have an overwhelming amount of hard inquiries which has affected my credit. Please see the enclosed listings of hard inquires as follows : 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 2021-12-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Several of my accounts were suspended by this financial institution without any warning or notice.Therefore, I am unable to access any of my accounts to fix the issues since they said the accounts are being investigated. 

HSBC, the previous institution, was bought over by one XXXX XXXX.Never had an issue with the previous bank even though the accounts were open for several years. 

Then they closed my credit lines -since I am not able to access any of these accounts even though I never had any issues with fulfilling my obligations, with regards to my incremental payments. 

And to top it all off, they reported my account to the credit bureau as though I had missed a payment.This has adversely affected my XXXX XXXX, and as a result, my ability to borrow and use capital. 
I also suspect that they may have also sold my account information to debt collections. 
I had three main accounts with this institution-HSBC -Checking -Savings -Select Credit And the credit card account.

Company response to consumer: Closed with explanation