BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This is my third complaint regarding navient collection process. This time the problem is them calling third parties that is not involved in this matter. I am getting calls from family concern Navient calling them several times during the day. I spoke to Navient, Mrs. XXXX XXXX, on XX/XX/XXXX concerning the loan and the method they are using to not just call family but my employer. There is no reason for Navient to do this. They have my personnel email address, home address and my cell number. I told Mrs. XXXX on the phone XX/XX/XXXX that navient needs to stop the harassing calls. Mrs. XXXX never mentioned on the call that SHE is the one calling my family. I have tried to resolved this with navient but what they want is to make our lives miserable. I explained to them what I could pay and in face have done exactly what I told them. But they are still calling my family. So I am asking your help in stopping them from not just harassing me, but ALL my family. There is not need for this but to only harass people. I am planning to send a letter to the California Attorney General regarding the extreme method Navient is using. Can you please demand that they stop the harass calling to my family IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
As I investigated my credit report, I found out that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate this unverifiable account : XXXX XXXX XXXX XXXX Balance : $ XXXX-I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

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 2023-01-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
incorporate prior case numbers by reference : XXXX & XXXX We, as the consumer, are still trying to seek information from Truist. Specifically, if we, as I previously tried to obtain, had the information regarding the time of the transactions and the location of the vendor where the fraud was committed, we could, for example, file a police report in XXXX, SC. Truist refuses to complete a " reasonable investigation '' into the fraud committed on our credit card ( specific charges specifically identified in prior case numbers ). We did not make these charges. 

Additionally, we went into a local branch of Truist bank to try and obtain the aforementioned information, and which card was specifically used for each transaction, and they said a representative would contact me and that has not happened. Our online account showed the transactions for both card. The online banking does not differentiate b/t the XXXX cards. 

With kind regards, 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 2017-09-22
Company: LPSG
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is the second complaint I have filed regarding this issue but I have more detail to add. 
On XXXX/XXXX/XXXX I received a call from " XXXX '' at XXXX. I have traced this number to XXXX XXXX XXXX in XXXX XXXX California. XXXX said XXXX uniformed officers were coming to my house on XXXX/XXXX/XXXX to serve me with some legal papers. XXXX gave me a number to call, XXXX, and a case number XXXX, also in XXXX XXXX, California. Someone I called at that number said they were from XXXX XXXX and XXXX. I can not find a listing in XXXX XXXX for this firm. 
The woman I spoke to at extension XXXX, told me this was about a credit card that was charged off in XXXX. I know the statute of limitations for lawsuits in Florida. This would be a dead debt. She then went on to claim that I made a deal in XXXX XXXX XXXX she gave an exact date ) with some collector and started paying this debt and defaulted, thus renewing the debt. I did no such thing, I wrote no checks or money orders, I made no negotiations and I neither talked or spoke to anyone from XXXX XXXX Bank XXXX XXXX in XXXX XXXX. She fabricated this story as a scare tactic. This woman went on to say she was giving me XXXX hours to get my " ducks in order '' and call this creditor before legal action would be taken. 
I do n't understand how this company can claim I made a payment or negotiated with a debtor when I know this is not true. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with {$1000.00} as initial deposit on XX/XX/XXXX and made three direct deposits by XX/XX/XXXX. The bank had advertised that if I made two direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account.

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 2018-11-03
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 - I disputed this debt in writting with AR Resources , Inc . This medical debt, is from XXXX XXXX XXXX XXXX. I have never received treatment of any kind from this group. This is either mistaken idenity or the result of fraud. I suspect, fraud. A woman was using my personal information fraudulently. Either way, I was never treated by this medical group. And want them to stop reporting this inaccurate information to XXXX   consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Debt is not mind. I sent Police reports, and letters to them about the problems that I got with Identity theft. But they still garnished my wages. I filed another one. I do not understand the law. Why should we pay for Banks mistakes that's not right. What protects a person form Identity theft. It effects so many people. I use to think we had a better system than we do. I have notified the Credit agencies of the problem and put a freeze on my SS number and credit info. Debt collectors need better research, like pictures, finger prints. I have been having problems sense 1979. Someone used my name and put a middle initial in it. Used my SS number and change a number in it. Almost every year for the last twenty years or more I have got some kind of notice from these debt collectors. Please look in to some of the unfair tactics that are being used. Who protects the poor person who can not afford a lawyer to deal with situations this? And they know this. Thanks. ( I believe you guys know something wrong that is why you have this page. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Billing dispute for services

Complaint:
On X/XX/17 I went to the TransUnion website to initiate a credit security freeze and followed their links to do so. It instructed me to make an account. It had me enter my credit card number WITHOUT indicating it would make any charge ( I assume this amount and authorizing a transaction would come later ). Unbeknownst to me, they charged {$19.00} ( monthly! ) fee and apparently I was signing up for their for-fee credit monitoring service which in no way was indicated on their webpage where I signed up. It never said it would make a {$19.00} charge. I clicked on " credit lock '', but then realized it was not the " security freeze '' I was looking for. Then I was able spend some time navigating around the website at that point to make a credit freeze and noticed something amiss when I was n't charged a {$10.00} fee at that time ( normal fee for the credit freeze ). No where did it say they were waiving the fee because I was signed-up for their paid credit monitoring service. Then, I checked my email to see if it was just a website error and I was charged the standard {$10.00} fee. That 's when I saw an email notifying me of the {$19.00} charge which was a complete surprise. I was unable to get through their customer service phone line due to " higher than normal '' call volumes to lodge a complaint. I felt deliberately misled by their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: IL
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:
This is a not a duplicate complaint and I'm not using any XXXX  party for this matter, I represent myself by myself and provide information on my own. The reason I'm sending this complaint because I have NEW Evidence of my statement. 
I go a few hard inquires on my report that I have never authorized. I have filed FTC report for this matter and included in this package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX - XX/XX/2021 XXXX XX/XX/2021 These items MUST BE REMOVED FROM MY REPORT Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account is result of an identity theft, I have no knowledge about the account filed with Bank of America with the amount of {$310.00}, XXXX listed under my credit report. Issue was brought up with the bank 4 times already without any solution.

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 2018-11-03
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I checked my credit with XXXX, XXXX and XXXX and collection company placed a collection on Medical Billing in which my XXXX XXXX covers my health insurance. 

I am Retired, XXXX Lifetime and XXXX XXXX Honorable Military Veteran. 
I am on a fixed XXXX Retirement income and can not be paying debts that I don't owed. 
My Health insurance should pay the {$450.00} debt on Medical billing. 

I wasn't notified of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NAVY FEDERAL CU account with debt amount of {$750.00} is not mine, identity theft. dispute has been sent to the company 4 times without any solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: NATIONWIDE ACCEPTANCE LLC
State: NV
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 never authorized this company to run my credit bureau reporting on XX/XX/2018

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 2020-08-31
Company: CITIBANK, N.A.
State: NJ
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:
On XX/XX/XXXX, I made a payment of {$3100.00} for the full balance of a promotional 6 month interest free offer from Home Depot. I had only missed the pay-in-full date to avoid any deferred interest by a few days. So I called and talked with a HD customer agent who agreed to waive any/all interest fees if I made a payment in full ( minus the interest charge ). That's why the payment was such a large amount.

This however, was not taken care of by Home Depot, and then additional interest charges and late fees kept accruing month after month. The late payment/delinquency has not been recorded to the credit reporting agencies and has negatively affected my credit rating.

I have spoken with numerous Home Depot and/or XXXX representatives who have assured me this would be taken care of, but as of XX/XX/31, it has not. There are numerous records on file from every conversation I've ever had with them. And every time, I was assured it'd be resolved and a letter to the credit agencies to restore my credit rating would be sent. It has not. It is now four months later and my Excellent credit rating has been dropped.

Home Depot needs to bring my account to a {$0.00} balance, restore my credit rating and offer an official apology for the amount of time and trouble I have had to endure over this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I receive notification from my credit report of a derogatory item on my credit. I further look into the matter as I do not owe anyone besides my normal routine bills. I see a collection from a company I have never heard of listed as " Fox Collection Center '' in the amount of {$140.00}. I check my credit report every day and this has not been on here but yet XXXX  has it listed as XX/XX/2019 and I have not seen anything in writing from this company notifying me of a debt owed, or any intent to place anything on my credit for me to dispute, nor verifying I am the actual owner of the debt which is in violation of FDCPA. This company further more is NOT licensed in State of TN to conduct any business with any consumers who reside here. I would like this deleted off my credit report immediately! Delete, cease and desist any further communications due to violation of rights and NOT properly notifying me of any debt or any intentions to place anything on my credit which is a federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
the following accounts are not mine, please have these companies show proof that they are mine they all are on transunion ... ..1 ( TRANSUNION ) ... 1 # XXXX ACCOUNT # XXXX 2 # XXXX XXXX ACCOUNT # XXXX 3 # XXXX XXXX ACCOUNT # XXXX 4 # XXXX XXXX ACCOUNT # XXXX 5 # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 6 # XXXX ACCOUNT # XXXX 7 # XXXX ACCOUNT # XXXX 8 # XXXX  ACCOUNT # XXXX 9 # XXXX XXXX ACCOUNT # XXXX 10 #  XXXX XXXX  ACCOUNT # XXXX 11 # XXXX ACCOUNT # XXXX 12 # XXXX ACCOUNT # XXXX 13 # XXXX XXXX ACCOUNT # XXXX 14 # XXXX ACCOUNT # 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 2017-12-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Credits post before Debits always. PNC Bank makes my deposits available the next day. PNC charges fees when my balance is not overdrawn or Uncollected. Also PNC has a system of paying the highest check so more items are returned and generate more fee income for the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.0XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}

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 2023-03-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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

Company response to consumer: Closed with explanation