BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-04
Company: National Credit Systems,Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at XXXX XXXX apartments in Colorado. On XX/XX/XXXX I signed a Lease Modification Agreement stating a new lessee would be taking over the lease. I moved out of state at that time. In XXXX, a new lessee incurred a debt of {$380.00}. I first saw it on my credit report in XXXX during free credit report check. As soon as I became aware, I contacted XXXX  as well as XXXX XXXX XXXX XXXX XXXX Both took this debt off. When I applied for apartment in the year XXXX, I was denied several times. I was given a copy of my credit report and saw that the debt of {$380.00} was on XXXX  and XXXX  credit reports under a different company called National Credit Systems. I disputed it several times. I sent the Lease Modification Document to NCS and XXXX  several times, ant to XXXX  once. XXXX  and XXXX  refuse to remove this debt because National Credit Systems states that this debt is valid. THIS DEBT IS NOT MINE. I have called and sent several emails to NCS with attachment of the document that proves the debt is not mine. No reply. This debt is NOT mine, but National Credit Systems refuses to remove it. I also called XXXX XXXX apartments, and they confirm that the debt is not mine, stating that they neglected to send Lease Modification Document when they were filing for debt collection. On XX/XX/XXXX I contacted XXXX XXXX XXXX out of frustration and as a last resort, and NCS still refuses to remove the debt from my credit report. XXXX XXXX stated on XX/XX/XXXX that they have furnished NCS with a letter stating this debt is not mine in the previous week. It is now the next month, and NCS still have not removed this debt from my credit report. This debt, which is not mine, has resulted in me being denied housing several times. I need it removed from XXXX  and XXXX  NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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 a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Sequium Asset Solutions, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt point blank. Have no knowledge of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY REPORT. THESE ITEMS NEED TO BE DELETED FROM MY CREDIT 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 2020-01-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Refund from my purchase in XX/XX/2020 has been returned to PayPal. PayPal is refusing to release the amount only after 180 days to my bank as a wire transfer. 

Dispute Amount : {$150.00} USD Transaction ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I opened account Huntington bank XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX {$8000.00} cashback {$4000.00}. The next day XXXX XXXX {$580.00} was taken by Huntington  for old overdraft fees 2 yrs ago XXXX charged off debt. Upon conversation they knew funds were from disabilty funds.The fees seem unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
Fraudulent Inquiries : XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 

Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611

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 2020-08-29
Company: V and H Portfolio
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company place a collection on my account from 2015 I have not been notified, I have not been given the the right to dispute this bill, I woke up and my credit dropped over 40 points. I called the company they were very disappointed trying to strong arm me during a pandemic for a bill they couldn't verify. From 2015. I have two health insurance companies and im 100 % covered so if I was notified it could have been taking care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity theft back in XX/XX/XXXX. Someone opened an account fraudulently in my name from the company " XXXX XXXX  '' which reported to my Equifax Credit Report. I have disputed it off of my XXXX and XXXX Credit Reports, which the account was block after the first attempt. I have been constantly disputing this account with Equifax, which it finally did fall of XX/XX/XXXX, but reappeared on my credit report in XX/XX/XXXX. Now, I have disputed this account at least over 10-15 times with Equifax, but this account keeps coming back verified by the company. Therefore, I am filing a complaint with XXXX XXXX  because they are not taking my complaint of Identity-Theft serious and I am filing a complaint with Equifax because they are violating FCRA and I feel like some actions need to take place due to me being a victim of identity theft, which resulted in a fraudulent account being opened up in my name. I have submitted a police report, an Identity-Theft Affidavit, and proof of my identification numerous of times, but this fraudulent account still remains on my Equifax Credit Report as of XX/XX/XXXX, which should not be on there. My next steps is taking Equifax to court if they keep violating FCRA ( The Fair Credit Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, 2 different news outlets reported that my credit union was forcing members into a premium account and they wanted to avoid people closing accounts so the credit union was sending letters and emails in rounds. You have to meet 3 requirements to keep your current free account and during a pandemic this is very hard for most households. If you don't keep up their requirements, the account is forced into the premium version and you have to pay. 

I called to ensure my account wouldn't be moved to a premium and I was harassed and told I couldn't trust the news and to just wait until my letter arrived. 

I was very clear I didn't want to be forced into premium and will be moving accounts elsewhere. I was then placed on hold until the agent hung up. 

This is wrong. I shouldn't have my accounts moved without notice and be forced to pay for something I don't consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Aargon Agency, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Argon agency out of Nevada has been harassing me for years. I've told them that I dispute the debt and to stop contacting me repeatedly, but they have called 5 times this week. I have also read that even if you settle the debt with this company that they do not remove it from your credit 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 2018-07-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX  National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any  organization who uses my name without my consent, and committing fraud.

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 2020-11-16
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 a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 

. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to XXXX XXXX XXXX and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report 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 2019-02-26
Company: Santander Consumer USA 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:
XXXX XXXX My credit was pulled and I did not authorize your company to pull my credit. I didnt sign a credit application with your company and i would like the inquiry remove. I did not authorize the crooked people at XXXX to use other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One decreased my credit limit without warning. I have been a long-time, perfect customer to Capital One. I have my checking account, savings account & 2 credit cards with them. I never pay late. My credit score is important to me. This sudden decrease because I wasnt using  my full credit limit will impact my credit. Also, having a credit card for emergency use during an international pandemic provides peace of mind. Instead of rewarding customer loyalty and on-time payments, they cut my credit line by 75 % on one of my cards. I was always the first person to rant & rave about Capital One, not anymore! Im shocked and disgusted by their action during a time of crisis. Absolutely heartless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I reached out to Navient Corp, student loan servicer, to inquire about the current balance of {$17000.00} shown on my {$30000.00} private student loan, thereafter 124 monthly payment of {$350.00} were made, insofar, totaling, a repayment of {$43000.00}. This sum is in the neighborhood of the final amount they are supposed to collect over the life of a {$30000.00} loan with a repayment duration of 10 years, at 5.75 % interest rate. Not only do I question the amount to be much higher than normal, but also to stipulate whether the loan, at this point, should be paid off. Instead, if adding to remaining balance of {$17000.00}, the amount of {$13000.00} already paid, in excess, over the disbursed amount, of {$30000.00}, Navient plans to collect at least the sum of {$30000.00}, in finance charge! This is both ridiculous and absurd to charge an interest rate of 13.50 %!!, which, though variable, caps at 8 % : Here is the response I received from Navient ( I have attached the letter with my complaint ) : -- -- -- -- -- -- -- " It is important to understand that interest accrues beginning at disbursement until the loan is paid in full. Your Private Signature Student Loan was disbursed for {$30000.00} on XX/XX/XXXX. The Disclosure Statement sent to you at the time the loan was disbursed provided an estimated finance charge of {$40000.00}. In addition to the disbursed amount, this would total approximately {$70000.00} over the life of the loan. 
The finance charge provided on the Disclosure Statement is an estimate and can vary based on the actual interest rate charged on your loan, as the interest rate for your loan is variable. This amount may also change due to the use of deferment, forbearance, or making late or reduced payments. '' -- -- -- -- -- -- - I have NEVER agreed to a finance charge of {$40000.00}, in addition to repaying a {$30000.00} student loan!! Irrespectively, in the event I did sign for such loan, this finance charge would be strictly above the chart of allowable fees, and void, by law. Moreover, the exorbitant charge shall be interpreted as evidence of financial tort and business malpractice, on their part, instead of used to prove I agreed to repay such an abusive fee. I was financially misled by Navient, who is wrongfully overcharging an interest of 13.50 %, instead of keeping the rate within the required 4.75 to 8 % bracket. If the current repayment plan were to be maintained, when {$70000.00} is finally collected, subtracting {$44000.00}, it would result in an illicit extra surcharge of {$26000.00} ( approximated ). 
It is important to highlight that although the loan forgiveness program was created in XXXX to discharge public workers of their student loan obligations in exchange for their community service, forgiving Navient, for its disservice, is out of question, today.

Company response to consumer: Closed with explanation