BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX, XXXX, I XXXX " Navient phone number '', wanting to contact the company to change my address and have something mailed. I chose the first option that XXXX provided. When visiting XXXX once more ( after my situation was said and done ), this same phone number was not an option at all. It had completely disappeared from XXXX. I called the phone number and was connected to XXXX XXXX, who works for XXXX XXXX XXXX, which is located in XXXX XXXX, California. XXXX 's e-mail address is XXXXXXXXXXXX. XXXX 's phone number is XXXX ext. XXXX. She told me she could not change my address or mail something to my home because she works in a different department. She did however tell me I was eligible to be apart of a program that would help lower my monthly payment. She informed me that Navient was going through a lawsuit and over-charging us customers. She said I would pay a little bit more for the first 2 months and once those were paid for, my monthly payment would lower. She said that would happen for a few months. After a year, my monthly payment would be even lower ; this would happen for another year until my student loans are paid off. I decided to register/apply. I had given this woman all of my information ( even though she stated she works in a different department, she said it was still within Navient ) : addresses, social security number and bank information. I had to create a XXXX XXXX XXXX XXXX. I had to E-sign a few different documents. All of this happened over the span of 2 days. On XXXX XXXX, XXXX, I was told by XXXX that {$270.00} would be taken out of my checking account for the month of XXXX. My money was taken out the very next day on XXXX XXXX, XXXX. On my account summary, it shows up as XXXX XXXX XXXX FL and gives this phone number : XXXX. I called the phone number but was only greeted with a voicemail asking me to leave a message. I also attempted to contact XXXX. My attempts have not been successful ; it seems I am being ignored. Unfortunately, I will not be able to have my money refunded. However, I took the proper steps to protect myself. I contacted my bank and they cancelled my debit card. They will also keep an eye out for XXXX XXXX and will stop them from stealing more money. I checked my credit to make sure nothing has been done using my identity. I also put a security freeze on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Diversified Consultants IncXXXX on XXXX/XXXX/XXXX concerning new information on my credit report from XXXX in the amount of {$460.00} that was opened in XXXX XXXX. I have not lived in an area that XXXX has serviced in about 5 years. I told the representative that this date was incorrect and that there is no way that this can be correct, I asked for the original bill to be sent to me to validate this amount and the date. The representative told me that my credit report would only show when they bought the debt and reported it, not the original date which I know is not true. I told the representative that that is not true and it should always reflect the original debt date and not the date they decided to make up. I was then passed on to a " supervisor '' who tried to feed me the same garbage. I asked numerous times for the original bill to validate everything, I was told that they do not actually have any bills and would have to request one from XXXX. The " supervisor '' told me I would be sent a bill and tried to hang up on me when I stopped him and told him he would need my address if he was going to send me the bill. At that point the " supervisor '' then said " oh, I was just about to get that from you. '' Once I ended the call with Diversified Consultants Inc. I called XXXX to see if I could get the bill. The XXXX representative told me that the original bill was from XXXX XXXX and that they no longer have any bill, the representative stated the bill was given to Diversified Consultants Inc. At this point I am being denied my right to validate this debt and if neither company can verify the debt with an actual bill then this should not be on my credit report at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX XXXX has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.

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 2019-06-25
Company: Lending Club Corp
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 we received a response from LendingClub Corporation for CFPB Case No. : XXXX. In their response they state that the outstanding balance left owing on the account was interest accrued from XX/XX/2019 to XX/XX/2019. We just paid off two other accounts in full by the amount of the balance due from the online statements, the same way we paid this account off. Both accounts have a XXXX balance with no additional interest accrued. In one sentence of the response it is stated that the {$740.00} was applied to interest accrued from XX/XX/XXXX to XX/XX/XXXX and then it is stated in another sentence that this amount is the remaining principal with interest added to it totaling {$830.00}. This response make no sense. 
Also they didn't address the issue of the bait and switching of the interest rate from 17.99 % at the time of application to 27.27 % as the final interest rate. We would never agreed to this loan at this interest rate. 
No explanation was offered as to why our account was closed online, which they admit to closing in the response. Why was our account closed if the loan wasn't paid in full?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently found out that someone has been using my SS and personal Identification to open up accounts and lines of credit without my knowledge. I found several addresses and phone number that are not mine listed on my credit report. I have file a ID theft report with XXXX XXXX already this is a follow up report for the local authorities. The following account are fraud : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There is a unauthorized Inquiry on mine report from XXXX  never applied for any account for business. The following addresses I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am requesting FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.

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 2022-03-07
Company: EQUIFAX, INC.
State: VA
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:
XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX  ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I noticed that my credit score had dropped dramatically due to a derogatory mark from North American Recovery for an account balance of {$730.00}. The debt was from the XXXX XXXX XXXX ( XXXX Hospital ). On XX/XX/XXXX, I submitted a dispute with XXXX  because the account was not mine. The dispute resolution did not take the derogatory mark off my credit report as the the collection agency insisted the debt was mine, but they did not provide me any proof of debt. The balance continued to climb and pulled my credit score even lower. On XX/XX/XXXX I visited the original creditor to try and obtain more information about this account. XXXX Hospital said that they had no record of me ever being seen or treated at their facility. On XX/XX/XXXX, I called North American Recovery to try and resolve this. The first person I spoke with, a woman, said they could n't find any information based on the date of birth or social security and that I had to call XXXX to obtain the account number. I called XXXX and they were able to provide me with the account number and helped me file a second dispute. I called North American Recovery again. This time I spoke with a man who kept repeating that this call would be recorded. I gave him the account number and he said it belonged to someone with a birth year of XX/XX/XXXX. I am XXXX years old, I was born in XX/XX/XXXX. The address also did not match. He stated that the original creditor did not have to keep medical records because they had been transferred to them. I requested that he send me all the information that they had on file for proof of debt and provided them my current address. He proceeded to ask my place of employment and best contact number. I did not disclose my employer because I did not feel comfortable releasing that information. He stated that they could only hold the account until the end of the month at which point they would file a lawsuit against me. I am currently waiting for the file they are going to send me and for the results of the second dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
A dispute letter was sent to the following three credit bureaus, XXXX, XXXX and XXXX for the company Portfolio Recovery Associates on XX/XX/XXXX. The results of the dispute did not fix the error on any of my credit reports. The account is still reported as opened in XX/XX/XXXX and remains open and the original creditor, XXXX XXXX, does not show on my credit report, nor reporting any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on EXPERIAN, XXXX AND XXXX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
EXPERIAN-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XX/XX/XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXXsays account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XX/XX/XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
XXXX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XX/XX/XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.

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 2019-06-25
Company: Medical Data Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reported an account that's paid. Reporting inaccurate information on another account. Stated that they'll accept payments but could still report to credit bureaus. Said that I'd have to pay in full to prevent negative reporting to the credit bureaus. I'm on XXXX and the amount owed is more than a months earnings for me. Was told I should pay them and ignore new medical bills. If I ignore new bills, they'll end up here and will be reported.

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 2019-08-06
Company: Experian Information Solutions Inc.
State: VA
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:
My complaint is about paying off auto loans and credit cards. In XX/XX/2019 I paid off my XXXX financed auto loan in full. XXXX reported to Credit Reported Agencies as " account closed '' which lowered my credit score by 30 points. Consumers are being penalized for paying off debt. If my XXXX score went to XXXX for paying off auto loan, mortgage companies prefer XXXX. Penalized for paying off car loan. The CRA looks at account closed as though consumer closed account when they didn't. Rule should change regarding reporting paid off debt

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 2018-01-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a wire transfer from my account ( other bank ) to go to XXXX XXXX. The wire was sent on XX/XX/XXXX/18 to Wells Fargo to credit my XXXX XXXX for {$1600.00}. The wire never reached my account. My bank has sent service request for Wells Fargo to verify they received the funds, but no response. I have asked my bank to recall the wire and again no response from Wells Fargo. I tried calling XXXX myself, all I get from customer service, they ca n't get a hold of there own wire transfer department. What is wrong with this 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 2017-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved to do a short sale on my home by XXXX XXXX due to loss of income. 
The house was listed on X/X/2017 at the sales price of {$590000.00} From the beginning of this process XXXX XXXX has made it difficult to deal with. Attached are offers we received on the house all were denied by the Bank. 
The listing was cancelled on XX/XX/XXXX and put back in to foreclosure. 

During that time the listing agent has received 5 more offers, the last offer we received was in the amount of {$560000.00} cash which XXXX XXXX denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER!

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 2022-03-07
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV IS REPORTING A DEBT ON MY CREDIT FILE THAT I DONT RECOGNIZE AS MINE FOR {$550.00} DOLLARS FROM XXXX XXXXXXXX, AND REPORTING IT AS A NEW ACCOUNT ON MY FILE. I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCPA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARENOT REAGING SOMETHING ELSE. I AM ON XXXX AND MY INCOME IS FEDERALLY PROTECTED, SO I KNOW THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account below 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 Due to the pandemic I was trying to feed my family and keep up with my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation