BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-28
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:
Navient is trying to default my student loans in the amount of {$3700.00} on XX/XX/19. I recieved a letter stating the initial default today on XX/XX/19, which is two days the loans is set to default. I have been in constant contact with Navient in an effort to resolve this matter. I have legal proof that my account can not be declared uncollectable. I have financial statements proving I made these payments that they claim I am in arrearages of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to rent at apartment so today XX/XX/2020 I applied at The XXXX  apartments and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.

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 2021-09-16
Company: SG and Associates
State: NY
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:
On XX/XX/2021 I received a notification from XXXX I opened it up to fine a collection on my credit report That was unfamiliar to me. I called the collection agency by the name of Stafford Group associa. A gentleman answered the phone by the name of XXXX XXXX, I explain to him that I was calling because received a notification stating that I had a collection from his collection agency he stated to me that the original creditors was XXXX and that he took over the debt and the sum of {$9300.00}. I explain to him that I never had an account with XXXX I explain to him that this must be a big mistake he then became very hostile stating that he was going to sue me if I didnt pay the money XXXX try to explain to the man that this must be some type of identity theft because I had no idea who he was, and I had no idea about a company named XXXX. I asked the gentleman to send me some type of verification because he had no right to put a bill on my credit report without verifying it with me.he told me that he can do whatever he needed to do to get his money and hung up the phone on me. I called to XXXX and filed a identity theft report, I went to The police department and filed a report I also filed a Identity theft complaint with the federal trade commission. Upon further research this account was transferred/ sold By the original creditor, Debtors Creditors did not verify this collection also there Was no written form of communication contact or written signature for this accused Debt at all. A bill without a written signature does not validate the Debt, and anyone can send a bill and say its mine according to the FCRA Stafford group associate has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2021-05-08
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, BBVA shut down access to their Simple checking app. Customers were instructed on XX/XX/XXXX to activate our accounts through the BBVA website. Today is XX/XX/XXXX, and I have tried multiple times to activate my account, and the website is not functional. BBVA acknowledged on their website they are having technical issues due to the volume of customers activating accounts in the transition from Simple, with no indication of when I will have access to my account. 

I am unable to access my checking account balance, transactions, and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: GA
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 will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Experian Information Solutions Inc.
State: WA
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  XXXX is reporting my XX/XX/2017 bill as 30 days late, however, the payment was not late. The bill was due on XX/XX/17 and was paid on XX/XX/17, which is 12 days. XXXX XXXX and Experian refuse to correct the issue.

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 2019-09-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had an online account with Equifax after my data was breached in XXXX. I was given a free TrustedID account as a result. I also setup an account at XXXX. I do not use the website often but I recently received an alert from XXXX   saying my SSN was found online and I should freeze my credit reports. I attempted to log in to freeze my credit account for Equifax but I was told to call them when I attempted to log in. 

When I attempted to change my password I get the reset link in my email account but after going through the trouble of changing it, I get the page to call them. 

Today, XX/XX/XXXX, I called and was told by a customer service rep that my account was no longer accessible because I submitted " incorrect information ''. I asked how to solve the issue and they said it was impossible. I asked for a supervisor and was told the same thing. 

I just want what they promised me, online access to my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter from a collection company XX/XX/XXXX regarding a XXXX XXXX bill that I did not have. I filed a report with Identity theft recovery government site, and contacted collection agency. Collection agency did not at any time verify the debt, nor send me proof that the debt was mine at all. In fact they only told me to contact XXXX XXXX. The debt collection company did not do anything. I contacted XXXX XXXX and they did an investigation and concluded that this was identity theft and sent me an email stating that the debt was not mine. I promptly sent this to the collection agency, but they continue to harass me regarding this debt. 
Their latest letter is dated XX/XX/XXXX, and states to contact XXXX XXXX again. They have not complied with the FCRA, nor my repeated requests. 

Please have them correct this action and punish them for not following the fair credit reporting act. 

Collection company AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amsher Collections continues to erroneously submit my account to the credit bureaus as a debt that has not been paid. This action was done as recently as XX/XX/2018. Amsher is fully aware that the debt ( {$160.00} ) has been paid but continues, in bad faith and against FCRA requirements, to report this account to several credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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:
These are not my accounts, addresses and name. Additionally, I did not authorize these companies to run 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 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had made a payment on XX/XX/XXXX. I have no late payments with this company ever, or any for that matter. The payment was not processed through my bank because the bank had made some adjustments. I did not receive any correspondence from Capital One until I got a credit alert advising me that I had a 30 day late payment tacked to my credit history reports. I immediately logged on to capital one to see it. I called them rectified the payment. I requested that they show me current when they report it to the bureau next. I was told by the senior manager XXXX, they do not do that at Capital One. He advised they did reach out by sending me a physical letter on the XXXX of XXXX, which clearly would not arrive in time for me to have made any changes. This company is pathetic, and that is why they have lost my business. This should not be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are 3 accounts that are reporting late on my credit report, I was never late on any accounts on my credit report. I wrote a letter to the 3 Bureaus Transunion, XXXX, and XXXX  on XX/XX/2019 and asked them to investigate and to please delete the error. 
They verified as accurate, which is impossible because I am certain I was never late, So i sent another letter on dated XX/XX/2019 and sent it certified with signature so I know it was received by XX/XX/2019. I asked for method of verification and proof of how the investigation was conducted and who conducted it. I never received any documents or what I had requested. I am asking for them to please delete the error or send me proof of how they came to the conclusion of how it verifies accurate. I would like some type of resolution.

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 2018-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
On XX/XX/XXXX, I charged {$2100.00} to a home improvement contractor on this card. It was for a deposit for home improvement ( basement finishing ). The contractor took this money along with {$6000.00} on another card. The total contract was only for {$12000.00}. The contractor purchased about 400 dollars worth of lumber, never pulled the appropriate permits and then asked for {$3000.00} more because he " underbid the job '' and needed that money for fire suppression. In sum, the contractor did NO WORK AFTER STEALING OVER 8000 from me!!!

I fired the contractor at that point and initiated a dispute with my card companies. My other charge card company found in my favor because they actually did an investigation. Bank of America DID NOT. They merely stated I didn't submit the appropriate information but I did because the exact same information was sufficient for the other card company.

I tried about 2 dozen times to resolve this matter with the merchant " XXXX XXXX XXXXXXXX '' and the merchant never responded. I then filed an official complaint/dispute with the bank on XX/XX/XXXX. Claim # XXXX. 

The bank DENIED my claim 2 weeks later on XXXX because I did not send the appropriate documentation. I tried to appeal to a supervisor and even called BOA HQ but merely was sent back to the same people I spoke to in the dispute department that could not assist me.

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 monetary relief
Consumer complaint received 2019-09-28
Company: Conn's, 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:
Please see documents attached. 

I have disputed Conn 's several time with proof and they continue reporting false information to credit bureau. Recently, in XXXX and XXXX Conn 's reported my account as current, XXXX Conn 's reported my account XXXX past due. The information is inaccurate. When reporting disputes to the credit bureau they do not consider evidence and allow a company to report whatever they want. I recently brought to the attention of Conn 's they were overcharging my account and payments they received did not match my record of payments, my account went into collections with Conn 's. I provided proof of all payments in XXXX and we agreed on a settlement. I have agreed to an amount that is fair, however, they reported double the agreed amount to the credit bureau. I have attached agreement letter, and amount from bank account to prove Conn 's is reporting the incorrect information on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is in reference to XXXX which was closed out. I have requested a letter from XXXX ( the servicer of the mortgage ) stating that the issues I experienced was from loan origination not servicing. XXXX has told me on many occasions that this was not a servicing issue but when they routed the letter through USAA, USAA prevented XXXX from sending the letter to me. Ms XXXX XXXX ( XXXX ) told me on XXXX XX/XX/XXXX 18 that they could not because I had filed a CFPB complaint. It is disappointing that a consumer would be denied a request for correspondence as a punitive action for filing a complaint. 

Additionally, even thought the previous complaint was closed out I am still out $ 800-1000 of pocket. 

Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: VW Credit
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Netspend Corporation
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Someone stole my account and routing number as well as my card as wel as made changes on the XXXX of this month to my account with out my knowing i need to close this whole account right now its jepordized

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 2019-09-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Resurgent Capital Services L.P.
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:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation