BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived in the a XXXX XXXX XXXX  with some room mates from end of XX/XX/XXXX- XX/XX/XXXX. I was signed off of the lease on XX/XX/XXXX. A few months after I moved out the remaining people living there were evicted and even though I was not living there or legally responsible for the apartment There is an open collections account from IQ international for {$4600.00}. I have already filed a dispute with XXXX  and XXXX. XXXX  has removed the account from their report however, XXXX  is saying the information is correct even though I have the document showing I was signed off of the lease on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: CONGRESS COLLECTION CORP
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. 
9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.

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 2020-05-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, EQUIFAX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was acquired by XXXX  XXXX XXXX XXXX, associated with PHH Mortgage Services - after I fell behind two mortgage payment, I reached out to them to resolve the issue - they proposed a repayment plan over 6 months to rectify the issue - I followed through on my part of the agreement, and sent them two checks, which were good, for the first two months of the repayment plan - they held each check for a month and then returned them, stating because my account had insufficient funds for the second mortgage payments, which I had already I acknowledged I missed in reaching out to them, that the repayment plan was now void - this despite the fact the agreement proposed by XXXX XXXX, to which I agreed, was made two weeks after the two missed mortgage payments - I have been in touch with my Case Manager, XXXX XXXX, but he was unwilling, or unable, to resolve their mistake - they have now pushed my mortgage into foreclosure, this when it was XXXX  XXXX XXXX  company who did not honor their part of our agreement, which was both recorded in audio by them, and to which they sent me a letter acknowledging that agreement - this company has numerous complaints against them, according to the XXXX XXXX XXXX website, and should be investigated for fraud - all they want is the deed to my property..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
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:
Ive been dealing with Sallie Mae ( naviant ) Since I borrowed loans in XX/XX/XXXX. Since then Ive been making payments and sometimes have missed a couple. There customer service is horrible and abusive. In the past Ive mentioned there law suite on the phone to a manager for unlawful loan practices in our phone conversation and the supervisor hung up on me saying we cant discuss that. 
In one phone call the collector told me if I cant make a loan payment I should sell my house and belongings because their going to come get them after we go to collections. 
Most recently XX/XX/XXXX I lost my job after 3 yrs as a XXXX XXXX XXXX. 
During that time I was unemployed and was getting NY state unemployment for XXXX a week. Not enough to pay all my bills and provide for my kids and family let alone pay XXXX a month in student loans. I was unable to pay them. I called countless times to naviant to see if they could help me and do something with my loans since I was unable to pay until I got a new job. Their reply was its not our problem you dont have a job, pay your loan or we will take you and your family to court. Also in previous years I wanted to take my co signers off the loan and they said thats not possible because they are responoble to pay as well and cant be removed even though I was making payments every month. Now I have a new job but I am making 20k less a year. Ive told them most recently in weekly phone conversations that I cant pay the XXXX a month I use too because I make 20k less a year now. The money just isnt there. Their response is thats too bad thats the best we can do, pay it or be prepared to go to court. 
Honestly at this point I am not sure what to do? 
I am not trying to avoid paying them but they are so hard to work with and dont what they do or say as long as they can squeeze money out of you. When I was making monthly auto debited payments they would call my co signers and day I wasnt paying to try and get additional payments. Not right! 
Also my wife has students through them as well. obviously our house hold income is the same but they are unwilling to help her with her loans as well. They didnt offer the same financle hardship repayment program to her. They said it didnt apply to her loan and situation. Its the same household and situation. These are only a couple examples of the last 15 years of dealing with them. Its been the worst experience and most regretful decision Ive ever made. 
I need advice. Honestly I can say whole heartedly that if I knew that I would have to deal with them when I was thinking of going to college I would have never gone to college. It wasnt worth going to college to deal with them and their absolutely ruthless loan practices. 
I advise young people to not go to college if it means dealing with navient. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX was helping my son attain a car with me as a cosigner. The salesman told my son the car payment would be XXXX, verified by my other son, and i would be the cosigner. That night the salesman told my son if he drove the paperwork to my place of employment ( one hour away ) and had me sign as cosigner he could leave with the car that night. My sons drove the paperwork to me and i quickly signed, believing i was still the cosigner for a XXXX a month payment. When the bill arrived in the mail, it was in my name and the payment amount was for XXXX. I basically purchased the car. When my son found this out, he called the auto group and explained what happened. The manager told my son that the salesman no longer worked there and for him to make a couple payments and try to refinance the car in his name. This was for a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. 
9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a payment from unemployment and paypal limited my account then had me provide documents to prove I am who I am. I provided the requested documents then went back to check and it said all my documents were wrong. I get on the phone call them they say activity on my account is suspicious and then permanently blocked my account stating they want to make sure I can cover chargebacks or customer complaints ( which have the same XXXX  day limit ) I told them numerous times there is no customers that I use my account for personal to receive money from 1 person and to get government payments and money from my job deposited that's it I've never sold a single thing on that account therefore it is impossible to get a chargebacks or complaints from customers. I also looked where it shows complaints and cases against me and there is 0

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: ACRANET INC
State: AZ
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:
On XX/XX/2018 an institution named XXXX placed a hard inquiry on my credit report. I did not give authorization to anyone to place a hard inquiry/run my credit, have not given out my Social Security Number for a credit inquiry, nor do I know who/what this company is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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:
Someone else is using my personal information, DOB and social

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 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
BANK OF AMERICA reported me late for the month of XX/XX/2018, this was not any error coused by my self, this was a post office error. they lost and damaged my out going mail. they then later returned it in a usps envelop, that same day I received a call from bank of America requesting payment in which I did. I maid a double payment. and was told by representative I would only receive a late fee. which he waved!! 

later to find out they reported me late on my credit for the month of XX/XX/2018 2018

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 2020-05-07
Company: STATE FARM BANK, FSB
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, STATEFARM BANK, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

XXXX Credit Report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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

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 2019-02-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
showing that this account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.

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 2022-03-29
Company: EQUIFAX, INC.
State: FL
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 FCRA the following companies listed below have violated my rights as a consumer. 

1. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and i never gave authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: U.S. BANCORP
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
U.S Bank will not remove me from XXXX XXXX XXXX. I had a over drawn account with US Bank back in XXXX of 2017. The over drawn amount was removed from another account I had with US Bank and the negative balance was paid in full. In the amount of XXXX on XXXX XXXX 2017. Even after the account was paid in full they have not removed me from XXXX XXXX XXXX. I have tried on two separate occasions to set up new accounts with other banks and have been declined because Im still listed on XXXX XXXX XXXX  owing US Bank money. Ive called, sent emails. Got nothing but the run around and nothing accomplished.

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 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive called and wrote Transunion To Remove These XXXX unauthorized credit inquiries I do not have no accounts with this company ever!!

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 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from 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