BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My student loans are being managed by Navient and several times I have communicated with Navient that I will not pay on private student loans that were attached to my Federal Student Loan package by XXXX XXXX. Navient refuses to respond to my efforts to communicate and on XX/XX/XXXX, attempted to withdraw over {$2000.00} from my checking account. There are a couple of problems with this : 1 ) I never provided Navient with my banking information and if I did, I never authorized Navient to withdraw any funds from my account. 
2 ) When I logged on to Navient for the purpose of determining what the problem was, I found that Navient and enabled the " Automatic Withdrawal '' option without my consent. 

I immediately contacted Navient again and explained that I will not pay for loans that I did not consent to and which were tacked onto my Federal package without my knowledge. These loans are very high in interest and I am aware of the dangers of applying for private loans which is why I never would have allowed this if I had known about it. I am annoyed by the fact that XXXX XXXX added these loans to my package without my consent and that Navient continues to try and collect on them despite the fact that XXXX XXXX has since then lost their accredidation due to unlawful practices which further validates my reason for refusing to pay on these loans. 

As a means of further protecting myself, I have instructed my bank to block any and all attempts from Navient to withdraw funds and I deleted my banking information from my profile on the Navient website. However, given the fact that Navient obviously feels that they have the right to attempt to take money from my account without my permission, I'm sure they will try to figure out how to do this in the future. 

Please advise me on my best course of action regarding this matter. I have not problem with the loans I approved ( Federal ), but do not feel that I should be forced to pay for loans that were hidden in my Federal Student Loan package by a company that was abusing the system and taking advantage of their students. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: A.R.M. Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 a {$640.00} debt to A.R.M. Solutions ( that should NOT have been owed!!! ) was paid off in full. However, I am still receiving between 5 and 10 phone calls per day from them and each phone call tells a different amount that is owed!!!! 

XXXX XXXX is the problem too!!! They have not communicated that the debt was paid off. Furthermore, the reason the collections started in the first place was because XXXX  XXXX was SENDING THEM TO THE WRONG ADDRESS! I have received terrible customer service from XXXX XXXX. And multiple problems from the get-go. 

Please investigate XXXX XXXX and A.R.M Solutions!!!! 

Thank you, 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 2020-09-16
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two plans under my XXXXXXXX XXXX XXXX  serviced by Comenity Capital Bank. One of my plans is a 6-month no interest promotional plan ( expires XX/XX/2020 ) and the other is a 60-month low interest plan. The online payment system does not allow me to allocate my payments to the appropriate plans so I decided to pay off the promotional plan. 

I made a payment to close the the 6-month no interest plan and have been working with Comenity to remove that plan from my account for the past several months. Everytime I contact them they tell me that they have allocated my payments towards the promotional plan and closed it and that this will be reflected within the next 72 hours or the next billilng cycle. 

After several months of this, I still see the promotional plan on my account and it is getting close to the end of the 6-month where I will then be charged interest and other finance fees.

I have made the complete payment towards that plan and I am getting frustrated that Comenity is not closing that plan! As I indicted above, they may try to say I have not made the payment and try to charge me interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
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: Public record information inaccurate

Complaint:
On my Equinfax credit report I have Bankruptcy Chapter XXXX listed. Then the Credit card companies are also still listed as Derogatory/Delinquent information on my Credit Report individually. Can these please be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency has not identified what debts are owed nor to whom. My hospital visits were supposedly processed by a social worker whom stated that I would not need to pay for my stay, medication, nor anything related to healthcare due to me me being indigent and homeless. I have attempted several times to contact the debtor and ask for a breakdown of the bills in question and have not received a response. I have also disputed based on not having enough information to identify the debt and they have failed to respond 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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2019-05-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The Debt Collection Company XXXX XXXX XXXX, XXXX has been reporting the incorrect First Date of Delinquency to the Credit Bureau for account # XXXX. The First Date of Delinquency being reported to the credit bureau is XX/XX/XXXX. As outlined in the uploaded XXXX XXXX XXXX documents the First Date of Delinquency as XX/XX/XXXX in the reply to CFPB claim XXXX. XXXX listed XX/XX/XXXX as the date they purchased the account. According to FCRA XXXX ( XXXX ) ( A ) Date of Delinquency must match that of the Original owner of the creditor ( XXXX XXXX. I tried to request a dispute regarding the incorrect date of delinquency being reported however, Experian will not allow me to file another dispute. The previous dispute was closed without any resolution. I do not believe Experian requested the proper documentation to substantiated the information being reported. XXXX also just completed an account ownership verification and not an investigation of the accuracy of the information as I specified. Please see the Reply provided by XXXX XXXX XXXX on XX/XX/XXXX to Consumer Financial Protection Bureau claim XXXX XXXX, alleging that they are reporting a First Date of Delinquency of XX/XX/XXXX not XXXX. In this case XXXX is alleging that the Experian and XXXX Credit bureau is INTENTIONALLY NOT reporting the correct Date of Delinquency of XX/XX/XXXX. ( Please see attached documents to support claim ).

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 2021-09-22
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: ERC
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:
I have sent multiple disputes and erc is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, XXXX  and Transunion via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.

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 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This company purchased an overdue account, credit card, and changed the date of opening to the date they purchased it, Opened XX/XX/XXXX ( 3 yrs, 2 mos ). XXXX account went delinquent several years earlier ,XX/XX/XXXX, and would have been off my record in XX/XX/XXXX like other circumstances. This show up on XXXX XXXX as, You've paid off 0 % of your collection amount. 
Balance {$8400.00}

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 2021-09-22
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: Account status incorrect

Complaint:
I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.

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 2018-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been in contact in the past with bank of america trying to resolve this identity theft issue that resulted in me owing them over {$500.00}. I have filed a police report, and have provided them with the information to contact the XXXX Police Department. However, after one year of trying, Bank of America refuses to delete this incident from my XXXX and early warning report. This fraudulent account that was opened due to identity theft has caused me nothing but turmoil and agony trying to open a bank account, self lender account, and credit card accounts. I am a XXXX XXXX XXXX who can't open a bank account to receive direct deposit from my PT job and I can not open a self lender account to help build my credit so that I can apply for a loan in the future. I can not even get approved for a subprime card, such as XXXX XXXX to help build my credit. Luckily I was approved by XXXX for an auto loan because they are unlike traditional banks. 

Bank of America replied in XX/XX/2018 with this statement : " When we closed the checking account ending in XXXX, the final balance was negative {$530.00}. Please contact our Recovery Services unit at XXXX Monday to Friday XXXX XXXX. to XXXX XXXX Eastern, to make payment arrangements for the outstanding amount owed. We have confirmed that as of the date of this letter, this account was accurately reported to XXXX  , XXXX and 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 monetary relief
Consumer complaint received 2018-03-15
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ga, XXXX XXXX On XX/XX/XXXX, XXXX, I called 1st investors to pay off the remaining balance of my car, XXXX, XXXX XXXX the remaining balance was {$1100.00}. Because of the payment system they had in place, I had to pay two different totals. Both transaction id 's are : XXXX Fee of {$13.00} XXXX Fee of {$13.00} The person I spoke to was XXXX, XXXX, ext. XXXX After several months I receive a letter stating that I still owed {$100.00}, per XXXX. I have talked to them, I have had the XXXX talk to them. After all this time, no one can tell me where the {$100.00} came from!! As of XX/XX/XXXX, The balance has increased to {$150.00}!! 

Why would I pay off my loan and not pay off {$100.00}. I need my credit report to reflect this and I need my title! 

During the times I tried to fix this, I spoke to a XXXX and XXXX at XXXX, a collection agency. They had no record of it. I also spoke to a XXXX XXXX, who works in Legal with 1st Investors, and she was the one who told me to talk to the above collection agency. This was approximatey XXXX of 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 monetary relief
Consumer complaint received 2018-09-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm not sure about what category this fits into but my issue is with Wellsfargo Bank and their unethical practices. My wife and myself have been trying to get Wellsfargo, for months, to endorse an Insurance Claim check that we spent the last 2 years fighting for in court and ended up with half the money that was appraised for the fixes that needed to be done. I as well as my wife have tried reasoning with them, explaining that we do not have the money to do the repairs and I even offered for them to be able to come by while the repairs are done to make sure that the issues are being addressed. They have refused time and time again. Wellsfargo sent us a letter stating that we had to send the check to their office and that they would hold on to the money and reimburse us once the repairs are done. This is totally observed being that this money does not belong to them and we need this money to do the repairs on our home. I'm hoping that you can help us or point us in the right direction to who could help. These are bully tactics against the consumers and totally unethical practices. I have spoken with several people that I know and they have had similar issues or problems with Wellsfargo.

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 2020-09-16
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a ReliaCard from US Bank, which is designed to convey unemployment benefits from the State of Colorado to the recipient. I am age XXXX, retired, and have not applied for unemployment benefits. It does not look like a fake card ; it looks very real. I read on the internet that there are scams afloat that send these cards to seniors in order to get money from them, and this is my chief concern. I have not activated my card. I can not contact the bank because the line goes dead every time I try to call.

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 2018-03-14
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I filed for a chapter XXXX bankruptcy. This debt was not reaffirmed, yet we intend to keep paying on the mortgage. Freedom Mortgage would not mail out a reaffirmation agreement, despite numerous requests for them to do so. So, this debt was discharged.

The issue is this debt continues to report on my credit report as well as my wife 's credit report. Since this debt was discharged, the trade line should reflect a {$0.00} balance for both XXXX and XXXX XXXX. It should also be noted that XXXX is a non-filing spouse, yet Washington state is a community property state, so the discharge on this debt extends to her as well. Furthermore, payment history should not be reported after XXXX, XXXX. 

Freedom Mortgage continues to report this debt on both my credit report as well as my wife 's. Numerous phone calls to them do not fix the problem. 

Another issue lies with XXXX 's payment. Freedom Mortgage reported XXXX 's payment as 30 days late, even though it was received on XX/XX/XXXX. They received this payment on XX/XX/XXXX but did not apply the payment until XXXX. This caused a 30 day late payment to report. 

The continued mismanaging on this account has caused my wife to suffer a closure on her XXXX  XXXX XXXX credit card as well as a credit line reduction on her XXXX XXXX and XXXX XXXXXXXX XXXX credit cards. All three credit cards cite a mortgage late payment as a reason for the adverse action. And this was due to incorrect information reported by Freedom Mortgage. 

Previous CFPB complaint numbers are XXXX and 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 2022-10-04
Company: EQUIFAX, INC.
State: MI
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:
I keep complaining to the CFPB about equifax impartial discriminative acts and your guys aren't doing anything about it. I've made a couple complaints and stated the laws but you still let them violate my right as a consumer. According to CFPB consumer reporting in voluntary I never was asked to participate equifax assumed its role. They continue to report a XXXX XXXX, XXXX XXXX Bank XXXX and XXXX XXXX XXXX accounts on my report that says charge off. According to the IRS a charge-off is considered income. Its against the law to report income. Also they haven't verified anything with me asking me is that true, that is impartial and not fair. They also didn't conduct a proper investigative report because according to 15 usc 1681a ( e ) they should interview friends, neighbors and associates and they didn't. Also it says however such information shouldn't include factual information on a consumers credit record with such information obtained directly from a creditor. So if they're saying the information being reported in factual it shouldn't be on my report. This considered abuse and causing me paint and deceit. I'm not in a position to extend credit and its handicapping my life.

Company response to consumer: Closed with explanation