BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I logged in to my Navient account to check on my Federal student loans. I noticed that Navient capitalized an interest amount of {$4200.00} on XX/XX/XXXX. This came without any notice. My loans have been in an in-school deferment status sinceXX/XX/XXXX,  and I am under the impression that interest on unsubsidized loans continues to accrue through deferment, but does not capitalize until the end of the deferment period. In my case, this is XX/XX/XXXX. I called Navient today to inquire about this  issue, and I was told by the customer service representative that it was due to a status change. I do not have a status change, because I am still a XXXX XXXX. I then asked if the interest is capitalized quarterly, knowing already that the answer is no. If interest were capitalized quarterly, then I should have had interest capitalize at the end of XXXX, XXXX, and XXXX. The answer I received was " ummm, yes ''. This does not make me feel very confident. This just adds to the list of the once a quarter phone calls I have to make to Navient due to something confusing they have done. The sad thing is, I 'm a XXXX XXXX in XXXX XXXX, and I still have trouble understanding what this company does. I feel bad for the tens of thousands of students and parents who do not have the specific education I have. I have attached the quarterly interest statements I have been receiving from Navient with their notes on interest capitalization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to XXXX XXXX via certified mail requesting validation of debt on XX/XX/2018. I received no response from XXXX. I waited 30 days and sent out a failure to respond letter via certified mail. I still have not heard back from XXXX and they have not provided any validation the debt is mine. 

I do not owe this debt. Please provide the following to prove this is my debt : 1 : Please provide the original contract with my signature.

2 : Provide proof that you were hired/allowed by original creditor to collect on this alleged debt.

3 : Provide proof that XXXX is allowed to collect in the state of Louisiana. 

4 : How are you validating this debt is mine? I reached out to the original creditor to request a signed contract and they stated they don't have that kind of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hard inquiry from XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked for validation from medical data systems complaint number XXXX they they have not provided it according to the fdcpa and the are reporting incorrect information on my credit report according to the fcra. They stated they do not own the account nor the debt well if you look back at the complaint number listed above you will see if clearly states this communication is from a debt collector so they is giving false information out and they is not compliant with the fdcpa laws. They are a debt collector and i do not have to pay them anything regardless of who they work for and i do not owe them anything and they can not prove that i do. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
I am asking theyPlease attach copies of : Any agreement with your client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against them is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as  issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010.I want this inaccurate information deleted off my credit report and i will continue to file a complaint under my voice id heard my the cfpb and ftc.

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 2021-08-06
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/2021. 
I was notified by the U.S. Office of Personnel Management that there was new potential adverse reporting on my three credit bureau files. XXXX XXXX XXXX, XXXX, opened a report of a collection on XX/XX/2021. They claim that I had an account with XXXX XXXX that hadn't been paid and recorded the following with each credit reporting agency. 

Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type Collection Agency/Attorney Balance {$270.00} Date Updated XX/XX/2021 High Balance {$210.00} Original Creditor XXXX XXXX Past Due {$270.00} Pay Status In Collection On XX/XX/2021, I filed disputes with each of the agencies with requests for investigation. The account in collection status is not mine and I have never ordered or purchased a product from XXXX XXXX. I have filed fraud alert with all three credit reporting agencies, and have locked my credit files to prevent further access to them. 

The results of each investigation follows : XX/XX/2021. XXXX  XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX  XXXX XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. Equifax Credit Reporting Bureau upheld the collection account and stated they investigated and XXXX XXXX provided them with verification. I re-opened the dispute because the verification of information had never been given to me, the consumer. 
XX/XX/2021. I sent a formal request for verification to XXXX XXXX XXXX by Certified Mail, return receipt was requested. The letter formally requested written verification from the Collection Agency and the letter was copied to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: CITIBANK, N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I have my bills online with my BestBuy / CitiBank Visa credit card. 

On XX/XX/XXXX, I happened to notice a reoccurring charge on the XX/XX/XXXX of each month. 
Just a line with XXXX. 
I could only go back 6 months online. 
It was there each month. 
I decided to click the charge to expand it so I could see what it actually was. 
It stated Credit Life Insurance Fee. 

I immediately called the Credit card company. 
I asked what is this charge on the XX/XX/XXXX of every month? 
I then asked how long this has been going on? 
She said since XX/XX/XXXX. Which is when I signed up for this card inside a BestBuy kiosk when purchasing an item. 

I let them know that I was extremely unhappy about this and that they need to cancel this Service immediately. They did. I also stated that I want to know the grand total they have ever charged me on my card for this service - that I did not sign up for or want. Then I want a complete refund. 
The person on the phone was XXXX. 
She said we might be able to give you a full or partial refund but it could take up to 30 days to review. 

In the meantime I researched online and saw that this same issue was national news a few years ago. The article stated that Citi was to pay back consumers {$700.00} million in refunds. 

I was never contacted bu Citi or BestBuy. 

I found the CFPB listed in an article for consumers to contact. 

Today, XX/XX/XXXX, I received a statement from BestBuy/Citibank. 

Simply stated that I purchased this on XX/XX/XXXX. Therefore no refund will be paid. 

They also did not provide what I asked for, which was how much much have they charged me in total? 

Can you please advise on how to get my money back? 

Extremely discouraging that even though they were ordered to repay consumers for the very same issue that I discovered on my card, and that I have been a stellar customer for them ... they did not act in a reputable way. 

Thanks, 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 2018-11-03
Company: ID Analytics, 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 have been a victim of identity theft.

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 2018-06-19
Company: Experian Information Solutions 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:
XXXX XXXX XXXX ( the company that received a no-action letter ) place a fictitious loan on my credit report. I called them, wrote them, sued them ... and obtain a {$10000.00} judgement which they appealed-went to an arbitration where the arbitrator appears to be convinced I did not complain loudly enough to officials. They created the loan with e-signatures-never asking for a valid id ( The Patriot Act may have been ignored ) ... .and I have been fighting for nearly one year to remove them. I went to the police-they said they had no jurisdiction-went to the FTC ... file 13 ... I plan on pursuing all possible remedies including Federal Court. 
The loan was issued using a business address in the State of XXXX-I live in XXXX XXXX ... to a bank in either XXXX  or XXXX-XXXX XXXX. The originator was XXXX-the lender XXXX XXXX XXXX. ( recently cited by the State of XXXX XXXX ). 
I am not sure if I was the only person ... or more people have these phony loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03
Company: Credit Card Receivables Fund Incorporated
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have tried to dispute, multiple times a collection that was included in my BKXXXX - even after discharge their remarks claimed it was an open and active collection account, accosting me an extra out of the gate from discharge derogatory, incorrect and damaging collection status, balance, and keeping the status as an open and active collection account REGARDLESS of the the fact that it was IIB and took several disputes just to get the remark chapter XXXX bk noted, however, they REFUSE to change the status to closed discharged and IIB and it is affecting my credit standing and rebuilding process in the worst way possible. It's not only an FCRA violation, it's an attempt to look like a risky borrower on all 3 of CRA 's. 

The status should report as all of my other tradelines have, XXXX balance, included in BKXXXX and have it listed as a CLOSED matter as it is such. It is still not 100 % accurately reporting after several disputes. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mom got an apartment in her name and the company REQUIRED my sister and I to sign because we were XXXX. My sister and I went to college and when we came home my mom had moved out without finishing paying. Eviction was placed on our credit. My mom filed bankruptcy in 2012.  This is still on my credit and it does not belong to me. As of today, I have filed disputes without any success AND my mom had to end up making payments on this after she already filed bankruptcy. It has been 7 years and I have not been able to get my own place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX are reporting I was on LATE XX/XX/2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.

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 2018-06-19
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$1400.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX  with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$1400.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received tens of calls from XXXX XXXX XXXX in XXXX Maine regarding a debt for XXXX XXXX. I am not her nor have I ever known her. I have repeatedly told this to the company but they insist on calling me at all hours. They must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions 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 disputed information that wasn't mine to Experian, they did an investigation that I have no idea how they kept erroneous information that I have no clue why it is on my credit report. They have name variations for me that weren't mine and addresses where I haven't lived and employers that I didn't work for. 

I contacted them and no one answers their phone, then the fax number where they used to accept disputes isn't working anymore, then they give me an upload link then it said it wasn't working. 

I am using this last process before I sue them in Small Claims Court

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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts. Please remove 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 2018-11-03
Company: First Associates Loan Servicing LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a personal loan through XXXX XXXX. I called them on XX/XX/XXXX to get an address to send a check to payoff the account. On XX/XX/XXXX I sent the check XXXX to the address I was given over the phone. On XX/XX/XXXX it came to my attention that the loan balance had not been paid off. I contacted XX/XX/XXXX who told me that the address I sent it to was an old service provider. I was told to contact First Associates to see if they had received my check. I called and was told that they hadn't received the check. I then contacted the bank that wrote the check and received a copy of the canceled check with First Associates bank information on it dated XX/XX/XXXX. I called Loan Depot back and asked them to contact First Associates to get their funds ; I also faxed them a copy of the canceled check. On XX/XX/XXXX, XXXX  from XXXX XXXX called and told me that First Associates would not return their calls. I called First Associates again. I asked to speak with the president, XXXX XXXX, or the manager, XXXX XXXX but was denied that request. I first spoke with XXXX who repeatedly transferred my call to XXXX XXXX. Through conversations with XXXX, XXXX, and supervisor XXXX XXXX, we received several different stories of what had happened to the check. They mailed it back to the bank before they cashed it. Sometimes they cash it first. And finally they put a stop payment in and were mailing a new check. However with each story we were denied any documentation or check numbers to support the claim. Each call to resolve the issue I seem to just receive the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Mobiloans, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have an illegal in NJ payday loan that I applied for online before I knew it was illegal because of the interest rate. My interest rate is over 200 %. I 've made high payments and have barely touched my loan.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-23
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im exercising my right as a consumer according to Section 609 of the FCRA a company has to provide proper documentation an original signed contract with my signature. I reached out to XXXX in XX/XX/XXXX to dispute this account my information was taken and someone opened an account. I tryed fixing this on my own now I need the help of the CFPB Im trying to get my life back my credit is awful. But I do understand that Section 609 of the FCRA requires original signed contracts with the consumers signature.These documents Im attaching is what Ive been getting. The XXXX account number is XXXX I want the proper method of investigation proper verification.

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