BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: The Phoenix Recovery Group
State: TX
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:
The Phoenix Recovery group of which I have no signed contract of business with keep reporting and verifying inaccurate information with the credit bureau 's I have disputed this for years. At XXXX time this year months back it was removed and now has appeared again. This company is reporting a date of XXXX amount {$2900.00}. This was an court settled dated XX/XX/2018 amount {$1500.00}. The inaccuracies are clear and must be permanently removed under the law of my fair consumer privacy rights, I've even sent the credit bureau 's copy of the removal I want this removed immediately this has caused unnecessary housing hardship for me along with stressful XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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 was checking my accounts and noticed my Chase checking account I have had for around 20 years was at {$0.00}. I began looking at the account activity i noticed the account had been emptied by a miscellaneous debit for the entire amount of checking account. I called their customer service department to find out what was going on and they only would say that they were closing my account that I haven't touched in about 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have already submitt ed one complaint about Navient, bu t they have continued to handle my account in appropriately. I make extra principal payments each payment, which they have been putting on principal, but they are continuing to say I am ahead on payments due to this. The supervisor I spoke today said it is being marked as paid in advance. They have never once told me that was marked in t he 3  other times I have spoken to them, or offered to unmark it until I spoke to the supervisor today. They should not be allowed to just mark that with extra payments on principal without discussing it with the customer. That is a shady and unethical way to try to maximize the interest they are getting back on the loan.   Additionally, the payment for  XXXX  was sent on  XXXX   XXXX ,  2017  and then the payment for  XXXX  was sent on  XXXX   XXXX ,  2017  and the  XXXX  payment was  XXXX   XXXX ,  2017 . However, when the supervisor said he could unmark the paid in advance but then I had a payment due tomorrow,  XXXX   XXXX ,  2017 , so the other payments have not been applied correctly. Every time the payment is made a note is included saying the extra money is to go on principal and not to change the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy case number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX all of these companies have violated my rights. 

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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX  District Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING

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 2017-06-14
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as  XXXX   XXXX  regarding an opened account with  XXXX   XXXX  11 years ago. I proceeded to call the number stated on a letter from its representative (   XXXX    ) received on  XXXX   XXXX    XXXX   regarding my CFPB complaint #  XXXX .  <P/> I now find that the same credit or may b e reporting the same account although with a different account number under another nam e (   XXXX  /SYNOVAS ) and  this can be seen on my   XXXX   credit report. It reports the same balance owed but under a different loan typ e ( Auto ) an d again reporting on my  XXXX   XXXX  credit under personal loan also a different loan type.  <P/> I called the phone number that is reported to be  XXXX /SYNOVAS  XXXX  and the number is not a working number but they do have the same address as  XXXX  which is :  XXXX   XXXX   XXXX   XXXX   XXXX , MO  XXXX  who does have a working number  XXXX . I am asking for an explanation as to the purpose of reporting against the same balance ow ed (  XXXX  ) t imes using (  XXXX   )  different companies names but you a re one of t he same company. On top of that the original account with the  XXXX   XXXX  was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XXXX   XXXX   XXXX .  <P/> Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They report my account as delinquent when it was paid off. they also sold the account and maybe decided to throw my account under the bus in the process. their phonenumber also doesn't work, XXXX XXXX. I recall this company giving me a hard time with the pay off statement.

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 2017-10-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Citibank is reporting a credit card delinquent XXXX that is not mine nor can I find out whose it is. My credit report shows me is an " authorized card holder '' but I have no information on the account and I have not had any credit with XXXX. I had a XXXX several years ago and any credit card debt I may have had is either included or not mine. 

I called XXXX and they would n't give me any information. I called several different divisions of XXXX and nobody would attempt to help me. 

I finally got hold of the corporate office and they told me most likely it was sent to a collection agency. Again no other assistance other than call someone else.

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 2019-07-18
Company: CITY NATIONAL BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been told that my credit card application has been declined through email from a banker at City National Bank, so I am waiting for the official decline/rejection letter, but it has been 22 days and I didn't get the decline/rejection letter. I tried to contact the bank who told me the application is not approved and tried to ask the official mail twice. He never replies it me anymore. 

XX/XX/2019 : I have been told my credit card application is not approved by XXXX XXXX XXXX, Vice President/Relationship Manager from City National Bank. 

XX/XX/2019 : I didn't get the official decline letter, so I follow up with XXXX and told him I didn't get the decline letter. He didn't reply me. 

XX/XX/2019 : I still didn't get the official decline letter, so I follow up with XXXX again and he didn't reply to me. 

As of today XX/XX/2019, I still didn't get the official decline letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX collection account should be deleted from all three of my credit reports. The company has requested deletion from all 3 credit reports yet it is still on my reports. I expect that this collection account account be deleted from all 3 credit reports as asp.

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 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I have been fighting with Capitol One for some time now. There was account open under my name that wasnt me. I have even filed a police report and sent them the copy and they wont remove it.What do I have to do to have this remove? Im attaching a copy of my police so hopefully you can help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX   2016  which is NOT accurate never had an account with this company and why this collection account states I  was 30/60/90 da ys late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.

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 2017-06-14
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Lender ( Navient ) switched me to electronic billing and then never e-mailed the bills. Stopped mailing paper bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/29, I received a series of 6 emails that a new account had been opened using my information : Bank of America XXXX XXXX Banking Account # : XXXX. I did not open this account and do not wish to have any accounts at Bank of America. 

I never verified the email address or phone number, but the person who opened the account was able to pass through all verification steps and successfully open a checking account in my name. I feel as though safety mechanisms did not work here. 

Further, I have called Bank of America 3 times today and have been transferred to a " Fraud '' department where I have been on hold for >1 hour each time. It's absurd that I can't speak to someone to report this fraudulent activity and close the account. 

Finally, the person who opened the account changed the contact email and phone number, so I have no means of logging into the account at all. Each rep has asked me if I can log in and to see the full account number for their investigation, but I obviously can't do that. 

The six emails attached were all sent within a 6 minute span from XXXX XXXX to XXXX XXXX. It's absurd that an entire account and all related emails/verifications can be worked through that quickly.

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 2022-08-29
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX I called regional acceptance about receiving a 10 day payoff letter because I was refinancing with a credit union. I also made my last payment of {$370.00} on the same day as well. I was supposed to receive my check by mail on XX/XX/XXXX, XXXXIt has been over 3 weeks now and I still havent received my check. Ive called them multiple times and got the same excuse that they already sent it out and that its nothing they can do.

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 2023-08-14
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I the consumer have asked XXXX XXXX XXXX to validate the alleged debt he claims that I owe, and all he has provided me with are statements to an Alleged account that he can not prove is mine. I never gave XXXX XXXX XXXX consent to use my private personal information for anything. I do NOT have a contract with XXXX XXXX XXXX or his company. 
This is the 3rd attempt and I still have not received the relevant paperwork that the law requires this debt collector to provide the me the consumer. XXXX XXXX XXXX and his company have violated my Consumer Rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
You XXXX XXXX XXXX ( Sessoms & Rogers ) failed to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. 

You are an attorney/debt collector is this correct? If so, I imagine you know the difference between a Validation and Verification of Debt Pursuant 12 CFR 1006.34c. 

This is all hearsay, what firsthand knowledge do you have? This is all false and misleading information. 

Furthermore, I request verification of the alleged debt, specifically, a copy of a CONTRACT or AGREEMENT. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 

An attorney can not be a debt collector and a debt collector can not be an attorney. You are claiming to be both an attorney and a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account several times with Experian they are refusing to take it off my credit I have did everything to get it off my credit I have sent letters stating that it isn't mine every time I send them they say they haven't gotten it. This is getting out of hand, I cant even apply for anything because its reporting negative on my credit report. Im at the point where if it doesn't come off my credit I'm going to sue them.

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 2017-06-14
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with AFNI. I am not liable for collection of a debt from  XXXX . I contacted AFNI on two occasions to inform them that I am not responsible for this debt due to no contract of services/payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I went to XXXX XXXX XXXX, the school claimed students would would get high paying jobs right out of college. The school pressured us into signing up saying the rates would change and increase, and also said they would provide job placement. It later changed to job placement assistance. The school over charged for the services and as a result was closed down. I understand there is a a ongoing class action lawsuit against the institution for these reasons. They never got me a job, I never got a job from any of the so called assistance they provided. They signed me up for private student loans to help pay for the expensive tuition, and said I would make plenty of money right out of school to pay it back. The whole time they were taking out many loans per semester instead of one loan. As a result the interest rates eat up all the repayment made. I have consolidated these loans and still have 3 totaling XXXX with high interest. I went to XXXX from XXXX. I would like to know if these loans will be cancelled as a result of this lawsuit. I had to file a complaint with the CFPB back in XXXX  due to struggling to pay back these loans. They offered a temporary reduction in rate. My loans had to be put into a 3 month forebearance. I have paid on the loans to 8-10 years and there is still a large balance. Navient and XXXX  were stealing from studnets trying to better their lives. Predatory loan is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: MoneyLion Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have continued to have trouble with making my payments with Money Lion. My trouble has been because I can either pay the loan in full or I am forced to call them and they are impossible to get a hold of. I needed to switch my payment card number because I had a new card. It was impossible to get a hold of anyone to change my payment info. I emailed them on XX/XX/XXXX and was able to change my payment info finally on XX/XX/XXXX. Once I got a hold of them I made all payments and the account was brought current XX/XX/XXXX. Since the payments on XX/XX/XXXX they have had my current and new payment info and have not taken the payments out when they were suppose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CORELOGIC INC
State: PA
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:
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.

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 2022-08-29
Company: EQUIFAX, 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:
Equifax violated my rights under the FCRA. 1681e ( a ) ( b ) - Accuracy of Report XXXX violated 15usc1681section 602A states i have the right to privacy and 15 U.S. Code 1681b ( a ) ( 2 ) I disputed this with Equifax on XX/XX/22 and they verified this as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: AR
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 letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, Equifax and XXXX upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI, INC. is listed on my credit report under collections account. Ive reported that this account does not belong to me through XXXX dispute and its still on my account.

Company response to consumer: Closed with explanation