BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: Navient Solutions, 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: Account information incorrect

Complaint:
In XX/XX/XXXX, I contacted Navient in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed Navient a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how Navient calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/XXXX, XX/XX/XXXX,  and XX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what Navient is billing me for. On each disbursement that Navient is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where Navient received my correspondence. Navient also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and Navient has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XXXX but I am being billed for these years. Navient has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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: Account information incorrect

Complaint:
There are accounts on my credit report that I do not recognize and the credit bureaus have not verified.

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 2018-02-25
Company: Sunshine State Credit
State: NJ
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:
Sunshine State Credit reported me 30 days late when I was not. They told me to dispute with you and then they will correct it on their end when they get complaint from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: MI
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is still reporting my delinquent XXXX account beyond the 7 years. The date of last payment as reported by Transunion is XX/XX/2013. So why havent this item been removed yet?

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 2021-02-23
Company: The Bureaus, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THE BUREAUS ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We received the " Statement of Mortgage '' and " Informative Return - Mortgage Interest, Form XXXX '' for the XX/XX/XXXX year from FirstBank Puerto Rico ( FDIC XXXX XXXX ). Both documents have multiple errors, including the amount reported to IRS. These documents are fundamental for us in order to file our income tax returns. 

We went to the local office of FirstBank Puerto Rico and were told that in order to solve the issue we should contact their Customer Service by phone. We contacted the FirstBank Puerto Rico Customer Service on XX/XX/XXXX and requested the correction of both documents. We were told that correct versions will be emailed to us by XX/XX/XXXX. Since then no action was taken and we contacted FirstBank Puerto Rico Customer Service again 5 more times. As of today, XX/XX/XXXX, we have not received the corrections yet. This is creating a burden to us since we do not have the correct documents to file our XX/XX/XXXX tax returns on time. 

Since our documents are erroneous, we suspect that the IRS and the local tax authorities are being reported with incorrect amounts from FirstBank Puerto Rico.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XX/XX/2018 Aargon agency notified me of a debt with a doctor 's bill that I thought I had already paid. I told the woman on the phone as much. She told me if I had proof that I had paid it I could send it to the email address she had provided. I did exactly that on XX/XX/2018. I have the email saved. I heard nothing more about it and thought the matter was closed. 

In XX/XX/2018 my husband was contacted by Aargon agency and strangely told by the agent that " your wife owes us XXXX XXXX, she might want to pay it. '' So I sent an email to the company through their website asking for some confirmation of my debt. I had received absolutely nothing in the mail from them saying I owed them anything since before the original matter was supposed to be resolved on XX/XX/2018. 

Within a week of that email, my credit report was hit with a delinquency report of {$79.00}. Quite a mysterious number for me. It was not the original doctor bill I had proven that I paid and it was not the " XXXX XXXX '' mentioned to my husband bizarrely and unprofessionally. 

Now they call me and hang up on me when I answer. Today they called me, put me on hold and told me they couldn't give me any information and I should call back when it's convenient for me. They aren't authorized to talk to 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 explanation
Consumer complaint received 2020-05-12
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i pulled my credit on XXXX XXXX and to my surprise the collection item from CMRE Financial services has listed a collection for XXXX XXXXXXXX XXXX. for {$330.00}. I have no ideal what this is for and when i call they say they can not find any record of this under my name, social security # or date of birth. But said i had to figure it out because they can not remove or correct even tho they have it posted on my credit report ( s ) ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to get all 3 credit reports and was denied by XXXX because of dispute ongoing. The other 2 said to check back in a year and i didnt receive reports. Im XXXX and want to correct my debts. But found many mistakes on XXXX report thru XXXX XXXX.please help me to view reports online free.Tried to dispute with equifax but told dispute not found.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Aforementioned collection agency, attempting to collect an alleged debt, has failed to acknowledge that the debt is disputed, even after being sent multiple letters and evidence showing the debt was indeed disputed. 

On or about XX/XX/2019, Complainant received a call from a representative who identified herself as a collection agent for First Financial Asset Management. I advised her, as per my rights under the FDCPA, that she and her company was not to call this Complainant after this call was finished. The representative also advised me that the alleged debt was for XXXX XXXX XXXX XXXX. I advised her that as per my aforementioned rights the debt was disputed within the thirty ( 30 ) day period of first communication and that I wanted an address to write a formal letter of dispute. She provided it and an account number. I sent a letter of dispute, via certified mail, which was indeed received by the First Financial Asset Management office, which replied with a verification of debt, which I stated in the first letter of dispute that I did not need, as I was aware of what the alleged debt was about. 

I sent three more letters, on the XXXX of XXXX, the XXXX of XXXX, which contained evidence of my dispute, and a final letter on XX/XX/XXXX, demanding a letter from First Financial Asset Management,  stating the matter was in dispute. ( All of these letters were sent certified mail and were received by the FFAM office in XXXX XXXX, Georgia. ) They have failed to acknowledge the letters and have basically placed me in a state of limbo, so to speak, on the status of this matter. A complaint was filed with the Georgia Attorney General 's XXXX, but they deferred this complaint and advised me to file one with your office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: MI
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I checked my account on night of XXXX and found both my checking and savings account to be drained. There has been no warning or notice. My account was just closed. Thinking it could have been a system error, I decided to wait until the morning of XXXX. Now I'm not able to even access my account or find out how much money was in my account. All it shows me is my credit card debt. 

There were money both in my checking and savings account. But both accounts are now closed. Fortunately, I saved my checking account statement. Unfortunately, I didn't save my savings account statement. For my checking account, I should be receiving {$160000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: Experian Information Solutions Inc.
State: IL
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:
Hi, the problem Im having today is Experian is continuing to report a XXXX XXXX Auto loan on my report. The account is fraudulent it was removed by every Credit reporting agency except Experian. I have the fraud report and also I reported to the Illinois Attorney General Office that report is attached as well. The XXXX XXXX account number is XXXX. I ask that CFPD assist me with the suing of Experian for the fact of reporting this fraudulent account. This is against the FCRA guidelines and hug violation to report fraudulent information on a consumers credit 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 2023-01-10
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened an account at Atlantic Union Bank at a new branch in XXXX NC which they closed shortly after because they could not keep it staffed adequately during pandemic. I opened the account to facilitate my move to Virginia. I was often near the XXXX XXXX branch area staying with my boyfriend, and also the XXXX area, but my primary address was XXXX XXXX. I did not want to close the account because I did want to move to Virginia, but the housing market was so fast it was difficult to buy a home, and I did not find another bank to move to that I liked that was also in XXXX. My boyfriend ended up having to sell his house and the main issue I had was that I was not able to keep the account active in XXXX as I had planned to do and that was not my choosing. There have been many unexpected turns in pandemic setting. I ended up having to work in California and was there when I got notice XXXX was deducting $ XXXX from my account for being inactive. They are the ones who closed the XXXX branch so they should send me back the {$25.00} deposit and close the account. I talked to the branch and they said I had to go through a process to request the {$15.00} left in my account as they already took {$10.00}. I would like all of my money back ; if they can just close down the branch that is near me they should not be able to keep the deposits. I called the main consumer line today and I was told they are not allowed to provide any information about my account or discuss it due to a comment that was made on the account, and I have to talk to a branch. The only option the branch had given me was to jump through a lot of hoops for {$15.00} or let them keep my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A communication was received by XXXX XXXX XXXX XXXX that is not mine and I do not own this debt. I would like to get the issue resolved before the items is placed on my credit report and damages my credit worthiness. Amount is for XXXX, I have no idea where this debt came from, as I have fraud protection on my accounts which would/ should require the creditor to contact me ( this was never done ). The other amount is for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 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 has violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-08-28
Company: Experian Information Solutions Inc.
State: NJ
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-08-20
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Oklahoma has and electric has turned a debt over to AMR a collection agency and XXXX XXXX XXXX nor AMR notified nor sent notice of any debt to me before placing it on my credit during a national pandemic which is having a severe financial burden on myself and my family. AMR is also flagging this debt as collections 2 to 3 times a week to cause a XXXX XXXX  XXXX much of which is XXXX and XXXX veteran undue stress During a pandemic and national disaster, they have promised verification of debt numerous times and not provided it, the only call Ive ever gotten they claimed to be Oklahoma natural gas where I verified I have 0 debt, they argue this and claim to have recordings but had better listen to them as its the truth. This is predatory and antagonistic having a collection agency who redated and reports items out of Oklahoma statue of limitations and flags it collections several times a week along with stating I gave a credit limit and terms to inflict significant damage during a pandemic and national disaster

Company response to consumer: Closed with explanation