BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call on my business line from an unknown number at XXXX XXXX XX/XX/18. The person ( a woman? ) on the end of the line asked my name and to confirm my identity my providing my date of birth. I confirmed my name but I refused to give out my date of birth to the woman without her identifying herself or who she was calling on behalf of. 

After telling her this several times, she admitted that she was calling from the XXXX XXXX XXXX She said I owed {$700.00} to my former school and that I needed to pay immediately. She was incredibly rude and non-forthcoming. 

I questioned why I had not received previous correspondence about the amount I owed, especially considering that I have other accounts I have paid with XXXX XXXX XXXX. I then asked her why I would pay for something I had no bill or proof of ever owing. She did not respond to that, instead telling me again that I had to pay the full amount immediately. When I again asked her for proof, she told me that my account was transferred four times, but she did not clarify what that, transferred four times, meant. She only kept stating that it was by my former university. 

I then informed her that the law requires her to provide proof of any debt that I owe, and I had not received any letter or previous call detailing the debt she said I owed. 

After telling her, she had to provide proof of this debt, she said, " oh, so you want to contest this then? ". 

I told her that I will not pay for something I have not received proof or a bill for and that simply naming my college was not enough detail for me. 

I told her to send this information to my address and for her to never personally call me again. 

I called XXXX XXXX XXXX to speak to someone else about this supposed debt. I waited 20 mins to speak to someone before hanging up.

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 2018-02-02
Company: EQUIFAX, INC.
State: OK
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 multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with Navy Federal Credit Union. Together, we came upon a settlement amount of 50 % off the entire balance of debt owed. This means that I owed only {$13000.00}. After making a {$150.00} phone agreed upon payment to Navy Federal. Navy Federal failed to mail me a billing statement with an updated balance, showing the remaining amount left on the account or the payment I had made. In essence, I had no way of proving they had upheld the settlement agreement, or posted my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Public record information inaccurate

Complaint:
I was banking with Bank of America when I lost my card and somebody else used it, I tried to open a checking account with XXXX XXXX and I was denied because of a fraud report. When I lost my card days later I got I knew one then I informed Bank of America what happened and I was told I made a claim and I will not have to pay anything. Now I need a checking account for direct deposit and I cant open any accounts. A check was deposited in my account for XXXX dollars but it wasnt accepted, then another for XXXX dollars Im 2017 and I was told nobody got any money.

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 2021-11-05
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I contacted Ally Bank and requested validation for a debt they hold in my name onXX/XX/2021. I have not received a response back from them. Since they have not responded in the allowed timeframe ( 30 days ). By law they are required to Cease from any and All Collection activity and promptly delete any accounts they hold in my name.

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 2020-05-05
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a coupe of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please removed these unknown items from my report as soon as possible. XXXX XXXX  XXXX {$820.00} 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 2020-05-04
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TO WHOM THIS MAY CONCERNED ; I MR. XXXX WENT TO XXXX, TRANSUNION, AND XXXX BEHIND THE SAME ISSUES PROBLEMS SAME ACCOUNTS THAT WAS UNDER IDENTITY THEFT, BEHIND THE SAME CAR DEALERSHIP UNDER FALSE FRAUD REPORT IDENTITY THEFT FALSE REPORTING TO CREDIT BUREAU I HAVE SENT IN THE SAME DISPUTE TO ALL THREE MAJOR CREDIT BUREAU XXXX TRANSUNION XXXX  ALL OF THESE SAME WEATHER BUREAU REFUSING TO TAKE OFF THE DEALERSHIP REFUSING TO TAKE OFF WORLD FINANCE AND SO FORTH BUT YET AND STILL ALL THE OTHER ONES ARE CAME OFF MY REPORT AND THEY'RE REFUSING TO TAKE IT OFF MY REPORT

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 2021-09-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Over the past two weeks, I have tried to log into my Experian account online to lift a credit freeze. I was unable to log in using the user id and password saved in my XXXX XXXX password XXXX. They sent me a passcode. It didn't work. They sent me repeated passcodes. They didn't work. I called them on multiple numbers at multiple times and got transferred all over the place. They all asked for multiple kinds of identification and security information which I gave them to their satisfaction, but they still couldn't get me into my web account online or unfreeze my credit. The last guy told me to mail in multiple forms of identification by paper mail. I did. I called today on multiple lines and finally got a human being. She was an answering service who asked me what I needed, then transferred me immediately. The person I got could not help me. She said she was the wrong person. She gave me two numbers to call for Experian. One was XXXX XXXX XXXX. I never got a human being. It hung up on me. I called the second number. That number was XXXX XXXX XXXX. That number was not even an Experian number. The recording that answered identified the number as belonging to XXXX XXXX. I hung up. Then I came to you and filled out this form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: WV
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: NC
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 mid-XX/XX/XXXX we discovered we had a number of delinquencies on our XXXX XXXX XXXX XXXX account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XX/XX/XXXX, we found that our XXXX account had late payments showing for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. XXXX XXXX disagreed with our dispute of these entries. We then spoke directly to XXXX XXXX in late XX/XX/XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX, MT. We received a response from XXXX in early XX/XX/XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. XXXX completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: NC
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 reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a written demand to XXXX XXXX who acts president of TD Group US Holdings and ceo XXXX XXXX XXXX. I am invoking my right of rescission pursuant 15 usc 1635 on any contract and account. I was not disclosed certain information about my interest in my own account, negotiating instruments, an my privacy was violated. I rescind all signatures, endorsements, and consents of the use of my information. I expect all money be returned by check pursuant 15 usc 1635. I also demand the cancelation of any contract, account, and security interest with you, and everything stated above mailed to the address of the principle XXXX XXXX in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Resurgent Capital Services L.P.
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 disputed several items on my report that are not mine. They keep telling me they verified it as mine but give me no proof. LVNV Funding, XXXX XXXX, A Bankruptcy that I NEVER filed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX/XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
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: Account status incorrect

Complaint:
XXXX took over the servicing of my Mortgage and almost immediately made a mistake paying taxes and collecting payments. My loan includes escrows  which means the bank is responsible for paying my taxes when due. When XXXX received my school tax bill they failed to pay the school taxes. In XX/XX/XXXX they received the town tax bill. Since they failed to pay the school taxes in XX/XX/XXXX. the school taxes were billed again and were added to the town tax bill. XXXX read this as my town taxes had increased from appox. {$2000.00} to {$10000.00}. XXXX then raised my escrow payment almost {$1000.00} per month to cover for their mistake. I immediately called them and told them of their mistake, but they did nothing to correct their mistake or the payment. I sent them a letter explaining their error ( attached ). It was ignored. I made several other subsequent calls and they ignored me, acting as if I was a liar and did not know what I was talking about. I would explain their error and they would respond that I owed the additional funds. It was as if they turned the volume off on the phone and did not hear a word I said. This included managers I spoke with. I was treated with absolutely no respect or concern. They acted as if it was impossible they could have made a mistake. Almost 2 years went by and XXXX ignored every call and every letter. It was not until after dozens of attempts to correct their mistake I got a manager who actually looked at the escrow account and saw there was thousands of dollars in excess funds in the escrow account. However, He still never admitted the mistake. I was told I needed another {$500.00} to bring account current. At this time XXXX was already holding {$43000.00} and still reporting I was almost 2 years behind on my mortgage even though they had all the payments. Also, I did not need another {$500.00}. XXXX had been holding over {$1000.00} for years which they could never explain why. They refunded this money to me about a year ago. So in fact they had all the payments plus approx. another {$700.00} and XXXX was still reporting my account almost 2 years late. XXXX needs to immediately correct my credit report to reflect no lates. I believe they should also have to pay restitution for all the problems this has caused me in obtaining new credit. XXXX has violated multiple laws for collecting and reporting a debt while servicing my account without taking any responsibility at all for their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I received a XXXX Mortgage from XXXX XXXX in XXXX it went to Green Tree LLC which was crazy They lied harassed and tricked me into all kind of stuff at that time I had no idea then it went from Green Tree to Conseco to Green Tree back to Conseco which I thought was odd something happened along the lines because a XXXX mortgage from XXXX, is now still going in XXXX and is only down to XXXX so Im 25 years Ive only paid down the loan XXXX there is something very wrong with this I am owed a lot of money and my house should be paid off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
When i try to connect my PNC checking account to my brokerage account using XXXX it lists PNC and gives me a login screen etc but it fails in the end. I have complained to PNC several times about this to no avail. It has been going on for at least 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX # XXXX I took out a loan with Lending Club and as of XX/XX/2021 the payments were supposed to be sent to the creditors I chose to pay off with this loan. They stated to give it 4-7 business days for the payment to reach. This would have been XXXX/XXXX/21. I have since called them every day and sometimes twice a day to find out where they payment was. As of XXXX/XXXX/21, the 1 creditor which had not received the payoff sent notice to the credit bureau and marked my count as delinquent. Because of this, my credit score dropped a total of XXXX pts. I am under contract and trying to purchase my first home. This credit score drop could really hurt this and it's not my fault. I really need someone's help asap. This has now been going on for 6 weeks. And, I keep having to pay my previous loan. Also, payment is due to Lending Club, but I don't feel I should have to pay for something I have yet to receive the benefits of! When is enough enough?

Company response to consumer: Closed with explanation