BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: Navient Solutions, LLC.
State: PR
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 submitted complaint number XXXX on XX/XX/2018.  This complaint was answered by Navient and I did not received what I requested. I am requesting a letter of cancelation / payment. I made full payment of the loan and this abusive company still have not provided confirmation that I paid in full the loan. This situation is not acceptable, neither the ridiculous respond they provided, which is basically to call them. I called to a phone provided in Navient latest respond, the number XXXX requested a PIN I don't have. I need to get my letter of cancelation that I had been requested for more than 2 months now after submitting full payment on XX/XX/2018. Who is in charge here, the lawyers of this abusive company or the government, that seems to be not doing anything to put this abusive companies in line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase online for a pair of earrings on XX/XX/21 for {$510.00} from XXXX. I received a confirmation that my order was shipped by USPS and a signature was required upon delivery. I stayed home the day of the expected delivery XX/XX/21 and no postal employee came to my location and no package was left. When I tracked my package again, it indicated my package was delivered and signed for. Again I never signed for anything and I live alone so no one else could have signed for it. I contacted the merchant and was advised to contact the post office. I filed a claim with the post office that I never received my package and also contacted the postal police regarding the implication that I signed for my package, and clearly either the postal employee was untruthful and signed for it themselves, or delivered it to the incorrect address. I then contacted my card holder ( Bank of America ) and filed a claim with them and provided the same details. Bank of America sends me a response indicating that I made the purchase, and it was delivered and signed by me. I never denied making the purchase and I clearly stated that I never received my purchase. The signature that was provided is not even close to my signature, and as I indicated to them I haven't signed for a package, especially from the USPS in over a year, and no package was left at my location.

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 2020-09-21
Company: EQUIFAX, INC.
State: NV
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 was aware of this fraud account on my credit XX/XX/2014  XXXX XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2014, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an American Express Hilton Surpass Card that is supposed to earn 6 point per dollar spent at US Gas Station, US Super Markets and US restaurants. I identified two merchants that were earning me XXXX points instead of the XXXX and contacted American Express classifies these two merchants as a gas station and a restaurant and is refusing to correct the error. A very preliminary calculation of the shortfall in points returns a  values of no less than XXXX missing points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, as of XXXX XXXX I switched to XXXX XXXX XXXX XXXX from XXXX a XXXX XXXX because XXXX keeps sending invoices, 5/3rd Bank ( my mortgage holder ) keeps paying XXXX Home Owners Insurances. XXXX XXXX and XXXX XXXX XXXX is all I Need! I can send you a video of me signing the XXXX cancellation ( XXXX XXXX, XXXX XXXX paper work at XXXX XXXX I tried to cancel XXXX XXXX + XXXX XXXX and It still is NOT corrected ) and my Escrow still shows 5th3rd paying XXXX HOI 's as well as an increase of about {$1000.00} on my XXXX XXXX policy that XXXX tells me is only $ XXXX but 5th 3rd projects to be $ XXXX??? Do they get to keep the {$820.00} just because they project the cost to go up when XXXX tells me they have no plans to increase my payment?? And How can I get this multiyear problem solved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: AmeriCollect
State: SC
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 am distressed that the reporting agencies are reporting false information. I have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
I mailed Equifax an Identity Theft Affidavit, FTC report and other supporting documentation, delivered XXXX XX/XX/XXXX. I spoke with a representative XX/XX/XXXX and she stated that I needed to resend my FTC report because I had missed a date and they were unable to delete the accounts. According to 15 USC 1682c-2 ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Navient Solutions, LLC.
State: MI
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:
I have made on time payments since XX/XX/XXXX to pay off my loan. Original balance of {$8500.00}. Current Balance of {$17000.00}. Payoff amount at the end of my payment period in XX/XX/XXXX approx {$55000.00}. How is it possible for me to owe that much when I have made on time payments monthly for this long? I have called and written letters to Navient and they are not willing to settle for anything less than the pay off amount. They recommend I continue to make on time payments which in the long run will amount to approximately {$55000.00}. I would like to settle on an amount less than what is owed and pay it off in one payment. Please help me. Navient claims they do not settle. They said they could offer me a {$200.00} discount now to pay off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
FACTUAL DATA Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX all inquires ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 - Received a letter from XXXX XXXX XXXX   which was supposed to be verification of debt. It was a simple letter with the medical accounts, dollar amounts, and original creditors. 

XX/XX/2018 - Received the same letter as validation for the medical accounts. 

XX/XX/2018 - I sent a letter to XXXX XXXX XXXX requesting information to verify they were the correct company responsible for the debt, licensed in my state, contact information for each person who verified the debt, a copy of the document that I originally signed with the hospital, procedures used to verify the accuracy and completeness of the info. 

XX/XX/2018 - Sent another letter to XXXX XXXX XXXX   stating that they didn't provide what I asked for as form of validation. I have received another more than the document they originally sent.

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 2020-05-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This couple has been reporting on my account for years I have tried a number of times to get this item removed I let them know I was a victim of fraud/if therft. There is over XXXX account with different retAil stores that have me associated with. They removed value city but there are other that are harming me. I recently had my paycheck garnished by a law agency they hired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
FACTUAL DATA Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX all inquires ftc violations

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 2022-10-26
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U S C 1681 section 602A. 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 account without my written consent

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 2020-09-21
Company: Experian Information Solutions Inc.
State: NV
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 was aware of this fraud account on my credit XX/XX/2016. I am not aware of where it came from or who used my information. Since XX/XX/2016, I have been trying to get this account removed off of my credit.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Today XX/XX/20 I am uploading additional information in regards to my XXXX XXXX XXXX  card. I received this letter yesterday its confirming that this account is NOT reporting to the 3 credit reporting agencys. I have requested several times to please REPORT this account. I have a XXXX balance now with a {$4800.00} credit line having this information report would help my credit score significantly.

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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Been A Victim of Identity. Someone has use my Identity with Out My Consent I did not Authorize anyone to open theses fraud accounts using my personal Information

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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I satisfied my account with XXXX XXXX XXXX in full in XXXX of XXXX. I received written confirmation of this dated XX/XX/2019. The account is still reflecting a balance of {$1300.00} with all credit reporting agencies. I have contacted XXXX XXXX XXXX of this issue and received no resolution. So I have disputed the inaccurate information with all XXXX major bureaus. Most recently TransUnion has replied to my dispute stating that the information is being reported accurately and that it will not be updating the information even though I attached XXXX XXXX XXXX 's letter with my dispute stating that the account has been settled in full and now has a {$0.00} balance.

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 2023-06-08
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:
My Fair Credit Reporting Act Consumer Rights have been violated. I did NOT give any consumer reporting agencies WRITTEN permission to furnish anything on my consumer credit reports nonetheless, INCORRECT information. Each consumer reporting agency has assumed the GRAVE responsibility for furnishing correct information once given written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: Panhandle-Plains Student Finance Corporation
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 status incorrect

Complaint:
Loan was paid off in 2006. Still appears unpaid. Account begins with XXXX. It was taken off my XXXX XXXX credit report however neither of the other credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Discover receives a dispute from me two days after XX/XX/XXXX and I first told them this is straight up fraud, but their not listening at all. They refuse to close my card, and file a dispute appropriately. Then, I have to file a dispute and I knew this wasn't handled right from the beginning. Now, on XX/XX/XXXX, Discover says to me that they will just need the invoice and make things right. Then, with a follow up call today, I am told another whopper story of why their not adjusting my account from XXXX to XXXX in which this woman 's service did not add up to XXXX. I have now closed my credit card and found their is no transparency at all with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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 had a Bank of America credit card on which I had a first late payment in XX/XX/XXXX. The account was closed by Bank of America and referred to Bank of America Collections. While I eventually paid the full balance due, the closed account was continuously late from XX/XX/XXXX to XX/XX/XXXX. This account continues to show up on all three credit bureau reports. Because the date of first default is more than seven years ago and the account was in collections, the entire account should by now be removed from my credit report. 

I filed a dispute with XXXX  and received notification that Bank of America had confirmed the account as accurate and is reporting it as late from XX/XX/XXXX to XX/XX/XXXX. It does not show the earlier late payments. 

I contacted Bank of America 's Credit Card Department. The employee informed me that he also saw that the account should be removed from my credit report but transferred me to the Collections Department for further assistance. The Collections Department Employee told me that they do not keep records going back that far and was unable to locate my old account for further assistance.

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 2018-09-26
Company: F.H. Cann & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector for student loans has called me hundreds of times, on my phone and at my part time job. My employer has asked the caller to stop calling at my job. I have asked them to stop calling. Many different phone numbers are used to harass me. Many different callers. Some of the phone numbers that call are XXXX ; XXXX ; XXXX ; XXXX ; XXXX. However there are many more. The harassment is making me very sick as there is nothing I can do to change my financial circumstances. I am partially XXXX after three XXXX XXXX XXXX. 
The callers call me several times a day. My job is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: VI
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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