BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: VA
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, Company Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Phoenix Financial Services LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The first correspondence I received was from the collection agency on XX/XX/2020 a letter saying second request indicating I owed an outstanding bill to XXXX XXXX XXXX  XXXX XXXX which billing and collections is completed by XXXX XXXX. I explained never used that ER physician group. They told me to call the billing place of XXXX XXXX. I did call XXXX XXXX told asked them about the bill they sent to collection the address they had on the account was not mine, it was an Oklahoma address. They said they would check and get back to us. They also said due to HIPPA they counsel not provide me much information. The only address XXXX XXXX had was not mine, it was an address in Oklahoma. The bill was for services at a hospital in Oklahoma and Ive never been to the State of Oklahoma. Meanwhile the collection agency sent this bill to the credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Already took it off my XXXX  but will not take it off my XXXX  the loan is from 2009 originally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Credit Protection Association, L.P.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-09-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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 attempted to notify these companies of the proven ID theft I was a victim of with my FTC report and I did not even receive responses from most of the companies who allowed fraudulent accounts opened in my name. 
I am now notifying them and you publically of the error and asking for removal NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: IN
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2021-11-03
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: 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 2018-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Continental Finance Company, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sent letter in XXXX about incorrect credit reporting. Shows as 2 different accounts and has been discharged through bankruptcy. Showing 2 amounts due

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Navient Solutions, LLC.
State: AL
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: Investigation took more than 30 days

Complaint:
My complaint is that Navient Department of Student Loans Servicing are reporting inaccurate balances on my credit report. In XXXX I was attending college using my post XX/XX/XXXX VA benefits, but by error, only 80 % of my tuition was being covered. A reimbursement check was sent to the school on XX/XX/XXXX to cover the remaining 20 % of tuition that was paid by me using student loans and Pell, as I am eligible for 100 % tuition coverage. Right now, I still owe Navient for student loans that were taken out and paid to XXXX XXXX  on my behalf, even after the reimbursement by the Department of Veteran Affairs. I have included the ledger card provided by the school showing where the school has been reimbursed to this dispute letter. I was advised by my financial aid advisor to contact Navient student loan servicers and again by Navient to contact XXXX XXXX  financial aid advisors. These balances are inaccurate and I am requesting they be removed immediately from my credit report. 

I have attempted to contact all parties involved but was unable to get my issue resolved. I was only referred back and forth between the college and the loan servicers. I also placed a mail in dispute to XXXX requesting the balances be deleted due to inaccuracies but have not received a response in over 90 days, which is well over the time they have to investigate and provide me with accurate and original copies of proof of balances. I have included all documents showing my efforts to resolve this issue before filing this complaint, to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: D.S. Erickson & Associates, PLLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from DS Erickson, an attorney, on XX/XX/XXXX, alleging that I owe a medical debt from XXXX XXXX of {$1300.00}. I have also received notice of the same amount from two other credit collection services, also alleging the same debt. I filed complaints with CFPB for these also. The debt is allegedly from services never received from the XXXX XXXX in Arizona. I completed my medical care with XXXX in XXXX, and received a XXXX XXXX XXXX   that was fully paid by XXXX XXXX as XXXX. I was told there would be no charge to me for the quarterly monitoring of this device. I began receiving bills for monitoring of the device last year : apparently the XXXX device calls XXXX XXXX without me knowing and send them information about my device. I have not gone to XXXX clinic, nor did I call them to monitor the device. This device calls on its own, and then XXXX sends me a bill each time the device calls them for over {$450.00} for each call. I have no ability to stop these calls and I did not authorize them to call or for any services. Again, when XXXX installed the device they promised me that all future monitoring would not be charged to me since this device was implanted at no charge to me as charity.

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 2018-03-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Thursday XX/XX/XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To all parties concerned : This letter serves as verified sound knowledge and grounds against Wells Fargo in compliance to the following facts hereby and herein described : A ) The banks constant intentional actions of violations demonstrated and tied with its unclean hands better known as an equitable defense, akin to fraud, to discourage, conducting unlawful activities for reason of defrauding the right of others. The Banks intent to defraud was shown by its reckless disregard for its actions by repeatedly unjustly benefiting at the expense of aborted justice. 

Ample support and records of evidence support the fact that Wells Fargo had no right and was never entitled to a foreclosure judgment or lien in equity against my person, my property since and including the occurrences of legal battles between them and myself originating since XXXX. 

Everything from illegal Robo signing on multiple documents to Pick- A- Payment loans originated by Worlds Savings and continued with Wells Fargo who reached a settlement in XXXX requiring them to grant loan modifications to home owners during that process of time which should have qualified me to received a principal reduction and loan modification neither one was offered or received by my even thou I was entitled to it instead Wells Fargo kept on increasing and elevating my loan with higher interest rates, hidden fees and inflated surcharges each month causing wrongful illegal activities conducted by Wells Fargo XXXX 

( b ) Any person who violates subsection ( 2 ), and the loan value stated on documents used in the mortgage lending process exceeds {$100000.00}, commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084 and Florida Statues on FORGERY AND COUNTERFEITING 831.06 Fictitious signature of officer of corporation.If a fictitious or pretended signature, purporting to be the signature of an officer or agent of a corporation, is fraudulently affixed to any instrument or  writing purporting to be a note, draft or evidence of debt issued by such corporation, with intent to pass the same as true, it shall be deemed a forgery, though no such person may ever have been an officer or agent of such corporation, or ever have existed I request that my documented complaint be submitted to all Government agencys that oversee this kind of injustice and that can intervene by preventing these repetitive acts conducted by this banking institution. 

With justice and truth 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 explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing about a XXXX  card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope XXXX  honors what there supervisors had said. I have spoken to them several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Issue : Unlawful charging of Interest Mortgage : BB & T {$140.00}. on XX/XX//2019 We called and were transferred 6 different time. Finally got a manager not he phone and was told now I needed to call into a local branch which was already done with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i disputed a XXXX charge a while ago because as i said then i did not receive the items. I still have not. Yesterday i received a call message it was very hard to understand from a man in a heavy XXXX   accent saying that something was being disputed i should respond in 24 hours. i did not hear who what or a phone number so today i checked all my accounts and on my buy power the transaction was rebilled for XXXX i did NOT receive the items. i will not pay for it. Capital one in a one size fits all way simply rebilled it to my account. and this is wrong. please reverse. 
Since the pandemic people in this area have been reporting missing items they order perhaps there is a thief but i did not get the items and will not pay for them. I also had no opportunity to respond to the call since i could not make it out due to the accent and lack of clarity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2022-01-06
Company: DriveTime
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filled out application for apartment. I was denied lease due to alert on from consumer report. The alert stated : Inquiry information matched potential fraud ID data- credit file is unavailable. Please have applicant contact XXXX at XXXX. I spoke to XXXX representative and was told that there are 18 inquiries on my account. I need to dispute the inquiries that are showing.

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 2017-08-03
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been current as possible with my loans over the past year, but in the past when I have fallen behind Navient has used manipulative tactics in getting a hold of me about my late payments. I have multiple loans with them that my father co-signed. Navient has always had my up to date address and phone number. I would never receive anything in the mail about my loans. Navient would send late notices to my parent 's address. I 'm   XXXX   years old and have n't lived at that address since I was 18. They would also call my parents phone number when I was late on loans even though they had my number. I believe they knew this and realized that it works better to call someone 's parents to get a response. My parents would complain to me constantly about getting 5 or 6 calls from Navient a week. I called Navient multiple times and asked them to stop contacting my family and contact me instead since I was the one that took out the loans. The only way I was able to stop this harassment was to make sure I paid every month even if it hurt my finances everywhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Avant Credit Corporation
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid on XX/XX/2018 {$25.00} for my XX/XX/2018 statement. XXXX XX/XX/2018 company charged me a late fee of {$25.00} for my XXXX bill. I called and emailed them immediately asking why I was charged a late fee when I paid on time. I was told the late fee was going to be removed. So on XX/XX/2018 I went ahead and paid {$25.00} for my XXXX bill then days later my due amount was changed from XXXX to XXXX all because when my XX/XX/2018 bill came out they still hadn't adjusted the account to remove the late fee of {$25.00}. I emailed and called asking about the adjustment to my account to correct the due amount because it was only caused by them in error of placing the XXXX. I still kept emailing and calling. I then checked my account AGAIN on Sunday XX/XX/2018 and it still showed XXXX due. I was forced to pay the XXXX today XX/XX/2018 there is a new LATE FEE being applied to my account of {$35.00} now when my XX/XX/2018 bill comes out the amount is going to be large again instead of the normal {$25.00} a month that I should be paying. This company needs to correct their account system that places late fees when they shouldn't be applied. No other company charges you late fees for paying the same day your bill comes out.

Company response to consumer: Closed with explanation