BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Have been a member of XXXX for many years. They recently changed card companies and requested that I call Citibank and get a new XXXX card from them. I did that and was a little surprised at the personal questions they asked ( annual earnings, etc. ) but answered all their questions. Then a few weeks later, I received a " Request for more information '' from them dated XXXX XXXX XXXX. The letter is attached. 

They requested way too much personal information, including bank or credit card statements, utility bills and either a letter from my broker, CPA or personal banker confirming my income or a copy of last years federal tax return, including signature and all supporting schedules. 

This is too much personal data and could result in compromising my identity, including access to my bank accounts. 

I withdrew my application during phone conversation with them. If requesting this much information is not illegal, it should be. 
Sincerely 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 2017-07-05
Company: SCA Collections, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open 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 2017-08-02
Company: CONDOR CAPITAL CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had an auto loan for a used car taken out with Condor Capital Corp sometime in XX/XX/XXXX as I do n't have the exact date. As a part of the agreement for the auto loan, full coverage gap insurance including loss of income ( job loss ) was apart of the contract. My vehicle was repossessed in XX/XX/XXXX for non payment as I had lost my job. The gap insurance was supposed to cover the full cost of the agreed sale price as stated in the agreement. I had traveled abroad and way for about six years. When I returned back home to the states, I noticed I had a civil judgement against me from this lender and missed my court date as result of being abroad. I filed a complaint with the major credit bureaus and it was determined the debt was invalid as they deleted this from credit file. Roughly four months later I 'm now getting wage garnishments and a lien on my bank account for this very same debt. Every time I try to contact the lender or speak with my bank ( XXXX XXXX ), they claim they ca n't do anything about it. Condor Capital was shut down for fraudulent reasons as stated here - XXXX XXXX XXXX. I do not recommend banking with XXXX XXXX as when I ask to speak with their fraud team they keep disconnecting my call.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, Transunion, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XX/XX/XXXX. 

None Account Inquires -XXXX XXXX ( XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/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 explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: VT
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:
Wells Fargo has been on my credit report over the time it should of been they havent took it off yet please help me get them to take it off.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the fair credit reporting act the following accounts has violated my rights : 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 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 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 2020-04-23
Company: Navient Solutions, LLC.
State: TX
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:
Given the options, this track was the one that " best '' fit my issue. Neither I nor my mother have a student loan. On XX/XX/2020, Navient ( XXXX ) called my XXXXyo mother, whom I have POA over, as a hip-shot approach seeking info regarding XXXX XXXX, acct # XXXX. The caller ID 'd himself as XXXX, Employ ID XXXX, on a voicemail. When that failed, he proceeded to call me and left the same voice mail. I called to find out info about this issue and was told my info was obtained from XXXX ( XXXX ) and this was an attempt to locate XXXX XXXX, acct # XXXX over a student loan. We do not know XXXX XXXX, acct # XXXX and this is the 2nd time this type of call has occurred in as many months. I feel this is a violation of the DNCR, harassment, and abuse of information. I have since restricted my info at XXXX and noticed them of my concerns that their info of my family is being abused by Navient. I have expended at least 2 hours of my time thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Old information reappears or never goes away

Complaint:
I checked my reports for accuracy and I see an account for XXXX XXXX. I paid this debt in full and it has been removed from XXXX and it is supposed to be removed from all XXXX credit bureaus as well.

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 2019-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I keep receiving overdraw fees from Bank of America despite their app indicating that I had available funds. When I called to ask about the fees, I was told that the app does not accurately represent the amount of available funds. In order to see what is actually available, I would need to log into my account from a desktop/laptop or download a 3rd party app. I asked where in the app it notified users that the information provided was not up to date/current. The customer service agent acknowledged that they do not include that information on the app and that I should just download the 3rd party app.Although I was refunded the fees, I am really surprised and appalled by this unfair business practice that Bank of America obviously benefits from.

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 2019-07-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
closed acct when i have fico that is excellent due to non-use and I never rec 'd notification and not one person will assist me - been given run around since then and after a complaint I rec 'd a call from someone at chase. They left a voicemail saying they were investigating my case but would be on vacation from X to X. ( I kept the vm ) - why call me then and then be unhelpful??? I called her back despite this on XX/XX/XXXX and left a message. Never heard from this rep again but another that called while I was at work and left a message -- I called back left another message and never heard a peep since. I guess having excellent credit does not matter to banks. I honestly just don't get what you have to do anymore. I pay all my bills, keep my credit clean and am treated like a serf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$1700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account does not belong to me. I have contacted XXXX to resolve this issue and the representative I spoke with could not locate this account nor any account with my information. I asked the representative to please remove this account however, no action has been taken, nor have they contacted the bureaus to have this line item removed from my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted.

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 2021-06-14
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an outstanding balance of {$1800.00} from XXXX listed on my credit repiort and has been affecting my credit negitavely for years now. I have never had any knowleage of ever dealing with or doing business with this company for any services/products they provide. I have never given any permission for my information to be used at ankytime for anything habing to do with an account like this. I have contacted this company and the credit bureaus for years about this as well as the collection companies and no one can help me with this. I just read about a case where XXXX is paying {$20.00} plus XXXX dollars to people for wrongful use of credit etc. I do not know if this is what has happened to me but this account does not belong to me and never has. I have sent documentation trying to prove in every way that this does not belong to me. I am getting negative responses regarding my credit status due to this account and it is not acceptable to me. Please point me in the right direction to someone who can assist me. 
Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1800.00} {$1800.00} Payment Info Original balance {$1800.00} Balance {$1800.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate i XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Requesting a new investigation and dispute re-insertion on credit report with XXXX and Ad Astra. I previously sent a Letter for a pay to delete settlement request on XX/XX/XXXX via certified letter for Account Number : XXXX to collection agency reporting as AD Astra for Original Creditor : XXXX XXXX XXXX as Listed on Credit Report : {$650.00}. Terms listed in letter attached were if payment were to be cashed and or deposited agency agreed for pay settlement sent to delete off credit reports. If agency did n't agree to terms to send payment back immediately to sender with counter reply. I did n't receive any letters back or an counter dispute and my money order was cashed. I disputed with all three credit agencies and they Were removed immediately and considered closed and settled with the letter and proof provided to XXXX and XXXX. XXXX is currently pending investigation as of XX/XX/XXXX. Now as of XX/XX/XXXX checking reports I noticed XXXX has reinserted Ad Astra noted as Open with reporting date XX/XX/XXXX. The Ad Astra collection agency restarted reporting date on XXXX. I have not been notified by XXXX nor by the Collection agency which states If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Both are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately on all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am filing this complaint against NAVIENT student loan servicing company. It appears to me that they are in violation of their obligation to provide their borrowers with information pertinent to the administration of their accounts. On XXXX XXXX 2017, I called NAVIENT and spoke with 6 different people ; had my call dropped twice and re-routed to a survey gauging my customer satisfaction ; and was yelled at by a customer representative before I finally ended a 90 minute international call, all while being stonewalled and aggressed -- ultimately accepting defeat. <P/>My query was simple : do I qualify for an interest rate reduction, and if not, why not. <P/>After 7+ years of making regular payments and having a credit score in the upper 10th percentile, I was told I did not qualify but that they could provide me with was no reason for this disqualification. Customer Representative ( CR ) XXXX speculated it was because of my loan type, but could not specify what loan types I possessed, CR XXXX opined it was because of my personal eligibility, but could not specify what personal criteria applied. All assertions made by NAVIENT staff were pure conjecture. <P/>I persisted, asking to speak with someone who would be able to provide such information. With every phone transfer up the food chain, I asked repeatedly if there were eligibility criteria that I could access, to which I was told that this information is not available to me. This stonewalling alone would have been altogether deflating in and of itself. However, things digressed rapidly when I was then put in touch with CR XXXX, XXXX, who said that she knew what the eligibility criteria was but then said that she could not and did not want to share them with me- she vacillated between could and would. <P/>I was perplexed by the withholding of such information. NAVIENT is a multi-billion dollar business that thrives off of charging usurious interest rates on students for the duration of their lifetimesbut to add insult to injury, they treat you like they did you a favor. After XXXX withheld the information, she then raised her voice a number of times, and ultimately hung up without so much as a goodbye. <P/>NAVIENT represents student loan predation at its worst : it has no accountability to the clients it allegedly serves, and, furthermore, is hostile towards them while taking their money. It is not surprising then that NAVIENT has been named the most complained against loan provider in America across myriad credible publications in 2017 and is being sued by the Consumer Financial Protection Bureau ( CFPB ). Predatory companies like NAVIENT need to be stopped. I sincerely hope that I receive a response to the specifics of my complaint. I value the work that the CFPB conducts in protecting consumers and their confidence in our economic system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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:
Some one has use my social security and got school loans from the Dept of Education/ XXXX . I contacted them about this. They been giving me a run around.It been over 5 years. They never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX in 2019 and my insurance company paid for all of my medical expenses under my XXXX XXXX policy. 

More than one year later I received a letter from : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, MD XXXX stating that I owed them {$1400.00} without any kind of documentation as to what the services provided were, where they were provided, when they were provided, or who provided them. 

Researching the company on the internet, I found multiple complaints about them and decided that this was a scam and that responding to them was not a wise thing to do. 

Subsequently XXXX XXXX, sold the alleged debt to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX who have now engaged the law offices of : Mitchel D. Bluhm and Associates LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX who offered to settle the debt for {$870.00} if I paid within 30 days of receiving their letter. I have not responded to them as I have no indication at all that this is a valid debt claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
When I took out a loan with Navient back in XX/XX/XXXX we made every monthly payment for about a yr, My mother was a cosigner on the loan it was for XXXX long story short she had to file bankruptcy and because you can't go bankrupt on Sallie mai " Navient '' they were getting paid through the bankruptcy every month for 5yrs they had received XXXX on top of what I already paid them and for some reason when I spoke with them they didn't have clue what I was talking about even though we had proof from the bankruptcy lawyer they basically told me they didn't care what proof I had and they dared me to get a lawyer! NO JOKE!! Now after fighting with them and getting discouraged 4 or 5yrs later " present time '' I owe around XXXX on my XXXX loan! I tried calling lawyers, I tried talking to them but nobody would hear me out!! I dont know what to do!?!? I refuse to pay them anymore and because of that every month 150+ gets added to my debt! This is madness! They have ruined the last 8yrs of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the XXXX  XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-12-03
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 debt collection agencies that state I owe medical bills from dates that I no longer even lived in the state! I have attempted over and over again to dispute them and explain that it was not me but they refuse to believe me not to mention the privacy laws so Im quite upset with trying to resolve this with them because of them my credit score has been negatively impacted hugely!

Company response to consumer: Closed with explanation