BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Within one months time trying to get a loan consolidation with income driven payments, I will receive several different emails about repayment. I general end up calling them to understand the information that was received that doesn't match what I was told. Most of the time, the representative doesn't help resolve the repayment issue I have been having. After years of calling, I finally talked with a Mrs/Miss XXXX that was very helpful. After which my communications with the providers are very confusing. First week of the month I get an email stating that I owe XXXX dollars for example XX/XX/XXXX, two weeks I have a full payment due which my XXXX email stated that my payment would be in XXXX by email. A few days later my email tells me that my full payment is past due. Every month it is different and I have to call to understand what is going on but they are usually not helpful to understand what is going on with my payments. Their miscommunication has caused my credit score to drop quickly. I have been attempting to do what I can but that is humanly impossible with all the miscommunication I receive weekly. This is their norm but I am very tired of it. First off, if I am having issues making my payments how can I make a payment is less than two weeks when I thought I had at least a month to become stable again. 

XX/XX/XXXX email XXXX due until XX/XX/XXXX XX/XX/XXXX email full payment due XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: R.M. Galicia, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following below is a result of XXXX Hospital refusing to bill Medical after staff signed me up for payment on treatment with this I consented. 

In good faith after treatment in XXXX, XXXX, I followed up with several calls to Medical who stated they had not been billed and had funds for this bill. XXXX must send billing. I sent three letters to Doctors, Hospital staff and still XXXX refused to bill Medical. My guess they wrote off the amount and left me with what they could not write off. 

I am and was declared destitute by the State of XXXX. I am American born and so is my family that remains and mostly military. I moved to XXXX last summer at least temporarily to find affordable housing, steady work and can not afford this hospital bill. 

I had to move from XXXX due to Identity Theft, gangs and general crime in the corrupt and sanctuary state of XXXX. ( I filed FTC I.D . Theft reports ( 6 ) I struggled to find housing, work and kept trying for fifteen years. I returned to school and was denied work in the field of Insurance Life and Health after three attempts ( agents are tough and were corrupt ). Completed Paralegal education at a junior college and legal field in this area is very political and requires XXXX XXXX and or equivalent education and who you know status. I worked in Security and Customer Services mostly. 

In XXXX I have had to find a job each month and work about 12 hours a week with XXXX XXXX XXXX and XXXX. I need to still find steady work and affordable housing and life without so much crime. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$690.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Department XXXX Agency / Attorney Balance Loan Amount {$690.00} {$590.00} Payment Info Original loan amount {$590.00} Balance {$690.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) 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 2021-06-09
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
According to the United States Code this company does not have the right to report this inaccurate account from XX/XX/2019 on my credit profile. 

I've had AMERASSIST AR SOLUTIONS harassing me and sending phone calls at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: NJ
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:
I contacted experian and informed them that XXXX XXXX XXXX XXXX on XX/XX/2021 Pulled my credit against my authorization and they told me they wouldnt investigate it. 
Also XXXX XXXX XXXX XXXX on XX/XX/2021 as well. I told them under the Fcra that these items werent authorized and needed to be removed and I was told by XXXX that it wouldnt be investigated

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 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these ITEMS. XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 2018-09-14
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I noticed that Equifax hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Greetings, I received a check as a loan from a friend and I deposited it into my chase bank account. Shortly after deposition the check chase bank suspected the check as fraud and froze my bank account. After contacting them and a long conversation they gave me two options 1- to have the issuer of the check to walk into a chase branch with 2 valid identification cards within 7 business days of that notice and state the check is not fraud or 2- chase bank will call the issuer and confirm that the checks not a fraud. These two options were not possible for me as the issuer is a dual citizen and was not in the country at that time to go into a branch and clear that up ( please note that the check I deposited was with an American  bank XXXX XXXX ) and the second option was not possible because chase bank insisted on only calling a phone number of the check issuer that is registered on public records and there was no available number there to contact her ( I also requested chase bank to reach out to XXXX XXXX XXXX and to obtain a phone number of the check issuer to contact her via a verified number ). As a result chase closed my accounts because they suspected fraud and has withheld that balance from myself and the check issuer till today. I reached out to the check issuer to contact her bank and verify the check which she did and her bank contacted chase to verify the check but chase still refused to release the funds. As a result because chase refused to release me the funds I requested the issuer to request a recall from the bank where the check was issued ( XXXX XXXX ) and she did the bank requested that the check be reversed and chase refused to release the funds. As a result at this point chase is withholding funds of {$1300.00} from my checking account and refuses to release it to either myself or the issuer. Secondly they shut my accounts down which includes my checking account and notified me that they are ending all relationships with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
That on XX/XX/2023 I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 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. 

Account Name : XXXX OF XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. Kindly assistance

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 2023-10-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a FRAUDULENT item ( XXXX XXXX Account type : Installment ) on my credit report. I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: MD
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:
My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-01-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX XXXX XXXX sent me a letter stating that they are no longer collecting on this debt and it will be deleted from all credit reporting agencies. Please see attached letter as proof.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-26
Company: AFNI INC.
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:
XXXX XXXX XXXX representative essentially stole our " trade-in '' phones without the company every providing the agreed upon service discounts. We attempted to resolve with the company over several months. We finally terminated services and the account was turned over to collections. We disputed the account directly with XXXX XXXX XXXX and the collection agency. XXXX XXXX XXXX offered to remove the collection in exchange for a release of their liability. After agreeing to this resolution, XXXX XXXX XXXX never sent the release and simply transferred the debt to a different collection agency ( AFNI ). In every way, this organization has acted in bad faith from the service initiation more than two years ago until the present day. We have spoken with several XXXX XXXX XXXX representatives who acknowledged that they have heard of similar situations of people being " screwed '' ( actual XXXX XXXX XXXX employees ' words ) by home representatives ( that come to your home when you're having services installed, e.g. internet/VOIP, and upsell additional services ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received {$1200.00} in my Venmo account on XX/XX/2021. 

Since then, I can not transfer this money to my account or any other user. I have reached Venmo 7 times since then, and they have requested by drivers license which I have promptly supplied however the issue persists. Sometimes they say I need to add a bank account or debit card, however the app does not allow me to do that anymore. 

It is clear that Venmo is withholding my money. It has been 5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
The following late payment remarks have been placed onto my credit report without my verbal or written consent to do so which is a direct violation of my rights under the FCRA and section 15 USC 1681B. Due to these facts given the following late payment remarks must be removed : XXXX XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX - XX/XX/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