BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: Navient Solutions, LLC.
State: NJ
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:
Navient, formerly Sallie Mae, Overcharging interest, interest rate, my payments dont seem to paying down principal of loan, negative reports on my credit score even though Ive been paying monthly for 8 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Health care collections i attempting to collect on debt that is over two years old. They removed it from my credit reports and now are trying to re attempt to collect it. There are two things wrong this, one i had insurance that was never billed, two you can only attempt to collect on a debt for XXXX  and medical debt and only report for three years in the state of az! This is again the FCRA and i want this item removed i have also sent a cease and desist letters and this complany is still contacting me. Not only did the bill inaccuratly now they are trying re 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: TX
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:
Equifax refuses to comply with my demands. They continue to violate my consumer right. 
I have made complaint after complaint just for them not to comply. I have being continuously violated by equifax. i am demanding them to stop infringement and discriminations as well as identify theft and follow laws as they state. i will start to seek further litigation for the violation of consumer rights. repeatedly breaking the law. my demand need to be met immediately. They are keeping bad information on my report demeaning me unworthy or credit or a home. They are using their status to discriminate towards me and keep me on the lower levels or credit worthiness LAWS TO SEE : according to 15 U.S. Code 1666B it's a billing error. Also, if a finance charge were included it shouldn't be no late payments 15 U.S. Code 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 

15 U.S. Code 1681e ( b ) which is maximum possible accuracy.

DEMANDING inquires and collections as well as late payment need to be removed... 


Collections remove!!! 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNTS REMOVE NOW!!! 

XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX Closed  Closed XXXX XXXX Closed Closed XXXX XXXX XXXX XXXX Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX I reviewed my credit report and noticed my score dropped substantially. Diversified adj svc had placed a derogatory mark stating I had an unpaid balance. I immediately called them XXXX with a busy tone on the line. I attempted various times again on XXXX when I finally reached an agent. I advised the agent that I was never made aware of this account or received prior notification but that I am willing to pay the full balance if it can be removed as I am in the process of applying for a business loan. The agent advised me over a recorded line that they will not remove the account as it has been in collection for some time well over a few years and also stated they simply collect payment and do not work alongside the credit bureaus. He said once the payment is made that I can speak with them. I asked who the account pertained to and he advised me it was XXXX. I advised the agent that it would be impossible as I had not been under XXXX employment for less than a year. I also requested verification of the debt to the address I provided as I never received prior notice or contact violating my rights to dispute. He said " Just pay your bill! ". I mailed a letter to the collection agency XXXX again requesting verification of the debt as I had never been contacted in any shape way or form and again extended my willingness to pay in the full balance for removal of the remark due to not being contacted within a timely manner and would await XXXX days from the mail date. XXXX at XXXX XXXX diversified specifically contacted my sister who is a minor not only disguising the nature of the call but also advising her it was an attempt to collect a debt once she verified I have not lived at that current address for several years. XXXX I had still not received any notice or call from the agency. I called XXXX for assistance and was advised that Diversified like any collection agency has the ability to remove the remark but that XXXX can not further assist me. He advised me to check online where I verified the XXXX agent 's statement that Diversified does in fact reports to the credit bureaus. Diversified has violated my rights as a consumer under the FDCPA by never having contacted me prior to reporting the account in question or providing me notice after I and not they, initiated contact with them. I have provided them my address and phone number twice. Once over the phone and in my letter to them but still received nothing. They have also violated my rights by not only contacting a minor who is not under my care but also disclosing the nature of the call rather than contact me directly. The mishandling of the debt to be paid shows irresponsibility and zero accountability on Diversified 's end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payment of debt of {$300.00}. was made in XXXX of XXXX and the debt is still showing on my against my credit report. I called the company as recently as XX/XX/XXXX to tell them to removed and it is still showing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Evergreen Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When the original debt occured in XX/XX/XXXX, I closed an account with XXXX in which the balance was in dispute. I hadn't had full cell service in three months and kept calling to have the problem fixed. We lost out on a rental that we were trying to get because I didn't receive the call or the message till almost 5 days later. After I closed the account in XX/XX/XXXX ( only owed one month at that time ), as far as I knew the balance was in dispute with XXXX and would be taken care of since I wasn't able to access service on four phones. 

I received a bill in the mail the first week of XX/XX/XXXX. I called the collection agency and explained that the original debt is 5 years old and too old to be collected upon. They said they would list my account as too old to collect and remove from my credit. As of XX/XX/XXXX, they were not listed on my credit report per XXXX XXXX. We applied for a mortgage on XX/XX/XXXX and the collection agency shows up on my credit with an open date of XXXX. I called XXXX, the original debtor to try to resolve the problem and they said that I would need to work with the collection agency. I disputed the account with the Credit Bureaus and lost the dispute. The credit bureaus stated that this account is valid and will remain on the credit report. This account was posted on my credit after a police report was filed for identity theft. The police report number is XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-06
Company: Army and Air Force Exchange Service
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was on a XXXX XXXX from XXXX XXXX until XXXX XXXX. I submitted my XXXX Orders to AAFES via mail in order to request and receive the XXXX Benifits on my Account. The Exchange Credit Program offers XXXX benefits to all eligible XXXX XXXX and Mobilized or Activated Reservists or XXXX XXXX XXXX Members who have valid orders to deploy to qualifying contingency locations. While I was XXXX, I would still be able to make purchases, but I would not be required to make monthly payments and my interest rate should have been temporarily reduced to six-percent ( 6 % ). After my XXXX ends, my interest rate reverts to the rate in the current Exchange Credit Program XXXX XXXX and I would be required to make monthly payments as long as my account still has a balance. I contacted AAFES every month about this issue, and have continued throughout the duration of my XXXX and every month afterwards via mail, and email. This caused a significant financial stress, and caused me to fall behind in my other bills because I was not anticipating to have to make the monthly payments for the entire year of the 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 2017-10-06
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX notes to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: ERC
State: OH
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:
Enhanced Recovery Co has reported an account to the credit bureaus that does not belong to me. The never contacted me or sent me any kind of letter regarding the matter. The account is for {$320.00} and it does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions Inc.
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 WANT TO FIX THIS SOLUTION OF ME BEING A VICTIM OF IDENTIFY THEFT I CANT UNDERSTAND THE SYSTEM IN FLORIDA IN HOW THE GOVERNMENT IS ALLOWING THESE THIEVES TO STEAL PEOPLE IDENTITY AND ALL ITS DOING IS DESTROYING ARE LIVES. I REFUSE TO BE 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 non-monetary relief
Consumer complaint received 2019-09-18
Company: Bread Financial Holdings, Inc.
State: IL
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:
On XX/XX/19 I spoke to a rep from Comenity Bank named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX XXXX account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want Comenity Bank to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. Comenity should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA allowed {$8000.00} to be fraudulently transferred from my savings account despite being warned fraudulent activities were being executed. I disputed the transactions and USAA returned part of the funds but not all. I am still missing {$1400.00} and once again no one has notified me that my accounts were compromised and offered any resolution or concern to the fraudulent activity. Its like they dont care or are not concerned about my account security.

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 2019-02-01
Company: EQUIFAX, INC.
State: CA
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:
My wife and I submitted telephonic requests, on or about XX/XX/XXXX, for our annual credit report from Equifax. The automated message said the reports would be mailed within 15 days. I submitted an online inquiry as to why we had not received our reports and have NOT received a response, of any kind, to this day. 
We have re-submitted our telephonic requests, again today in hopes that we will, eventually, receive what we should have long before this. 
We have inquired, several times, as to why, after many years of receiving these reports online, we can no longer do so. We have no recourse than to submit an online request but over the years we have found that all three of the credit reporting agencies are reluctant to honor the requests. It is really too bad we are held hostage by these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: MI
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 sent 4 letters Exhibit A Validation of debt request dated XX/XX/XXXX XXXX Exhibit B Validation of debt request dated XX/XX/XXXX XXXX Exhibit C Notice of default Opportunity to cure XX/XX/XXXX XXXX Exhibit D Notice of Intent to Sue XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Checked my credit report and seen that there was a collections account just opened. Never once received a phone call or letter letting me know. My {$330.00} balance was paid in full to 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 2019-02-28
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
unfortunately your form wont let me check all the boxes for the issues i have had with my loan servicers. 
first, they are unwilling to take my payment via visa debit card because i live and work abroad. they were able to take my payment for rehabilitation but refuse to accept payment to keep my loan current. they have been doing this for over 2 years. I have shifted from XXXX, to nelnet to XXXX XXXX.. I have the money and the desire to pay but they literally will not take my money. 
also they have lied repeatedly about my options as my loan was defaulting. 
they have harassed my family by calling many times asking them to pay my bill even though they have absolutely nothing to do with the loan and signed nothing on the documents. 
im pretty sure you wont do anything but i am out of options, this situation has destroyed my credit and inflated my loan debt. the situation is insane. 

i am out of options and have no recourse. there is absolutly no power here for borrowers its disgusting how little is being done to deal with this.. 

these companies are a scam and run as a criminal enterprise and no one is doing anything about it. its disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: APEX Asset Management, LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
THERE IS A XXXX XXXX XXXX WHO IS REPRESENTING THE ORIGINAL CREDITOR XXXX XXXX  THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS XXXX XXXX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN APEX ASSET MANAGEMENT ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2018 my Citi AA Advantage card had a fraudulent charge so I was issued a new card with a new account number. From that point on this account no longer reports on my credit file with all 3 bureaus. I have written monthly to Citi including sending credit reports asking that they report. Every month I get a letter stating they are reporting and it will update in 30 days. It never happens. I have 2 authorized users and this account is reporting on their credit files. I am the primary and it does not report on mine. XXXX XXXX told me Citi needs to contact the XXXX XXXX support line so they can walk them through what is wrong on their end. I have requested this but still no results. Please help!

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