BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is XXXX XXXX XXXX XXXX XXXX, FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX County Clerk Of Courts and began employment XXXX 2007 and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in 2007 I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Experian Information Solutions 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:
XXXX credit report XXXX credit report Experian credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there

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 2021-05-11
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Last XXXX I made a payment and the interest went up {$6000.00} from the time Navient took it from XXXX  (? ), and I only have one loan and they have me down as two. They said the interest was only a little over a dollar a day. Previously they didn't even have the right ssn or birthdate and now they do. I thought through the pandemic that interest had stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Nelnet, Inc.
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: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and show dept of nelnet showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

XXXX Account number:XXXX XXXX Acoount number:XXXX XXXX Account number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts.

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 2020-10-08
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
For the last few weeks This company PARAMOUNT XXXX has masked there number so it can come up as private & told me to call number ( XXXX ) XXXX the person called me was named XXXX she has harrassed me, my parents & friends with threatening voicemails & calls ... I have no idea what this debt is

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. 

Transunion needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. I have sent Transunion XXXX letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Transunion to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the  alleged creditor to validate the debt, insteading of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Transunion has reported in error and for Transunion to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: AES/PHEAA
State: NJ
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:
I became aware of the XXXX XXXX program when XXXX XXXX initiated the program. I was told all I had to due was make payments for 10 years with a public service job. At the time there was no talk of a qualifying loan program. I made my payments on time with out question for about 9 years. When it came time for my loans to be forgiven there was talk about a qualifying program. It is documented that I was in so called qualifying plan before I heard about the loan forgiveness program. I was advised that all I had to do was make payments for 10 years with public service and my loans would be forgiven. In the XXXX hour I was duped and came to realize that after 10 years my payments amounted to nothing. I was duped into changing my so called qualifying plan to an ineligible plan by the loan provider and when it came time for loan forgiveness the rules were changed!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts and this is the second request. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made numerous attempts to resolve this matter with this debt collector. They notified me that they no longer serviced the account, then they later submitted documents from XXXX XXXX that clearly state " THIS IS NOT A BILL. '' They have not proved that I owe these bills, nor that I am the one responsible for receiving these services. 

I filed an identity theft complaint with the Federal Trade Commission in XXXX and there have been numerous unauthorized accounts not created by me. I am awaiting the results of this investigation before filing a complaint in my local courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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:
I have a loan balance of $ XXXX with Navient. Every time I have called, I get the wrong information regarding my payment plan, Im told they didnt receive my paper work to lower my payment, and this has caused me not to pay. I am not going to pay until my payment is correct. Ive called them several times about my payment plan and Im getting the run around about the plan from different reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Have filed complaint on line and by certified letters to all three parties involved who keep passing the buck to each other blaming other parties included! Problem was not really investigated cause if was it would be fixed by now! Mortgage lender filed bankruptcy sold to other company which in return showed closed account with XXXX balance which hurt my credit by 40 points! But trying to tell them my account is still open the mortgage is still there is NOT paid off!! so they ruin ur credit not my fault they filed bankruptcy! Im still pay on a XXXX mortgage that they show closed but has changed hand serval times before and never went thru this! They cost me a loan XXXX. For there mistake cause ur credit goes by ur score and closed accounts and how much u can borrow I pay my bills and work hard to keep a XXXX score or better for a company to be able to ruin financial life is wrong when its there fault not urs have filed complaints and nothing is being done but passed on the blame to reporting XXXX  and Transunion from XXXX XXXX  my score should have never changed my mortgage is still there all it did was change hands

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
sent them information about inquires that are not mine they just left on there XXXX XXXX equ

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
sent them information about inquires that are not mine they just left on there XXXX tu, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: United Consumers Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
These scammers have been calling me for about a month leaving the same voicemail saying " this is a call from united consumers calling about a debt collector, please call us at XXXX. '' The number says it 's from XXXX, VA. These people keep calling me constantly leaving the same voicemail. they use diffrent numbers each time. I have never once answered the phone. I want this to stop immediately! This is a huge obvious scam! 
These are the numbers they use : 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 explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-11-10
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received on XX/XX/2020 a prepaid debt card XXXX XXXX XXXX XXXX from usbankreliacard. I did call the XXXX XXXX XXXX phone number and was told I needed to file this form as this is clearly FRAUD! Someone has stolen my identity and has file unemployment in my name!

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 2019-03-06
Company: Nelnet, Inc.
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:
I got a scam call about my student loan Yes this is XXXX XXXX and I'm calling in referenced to your Federal Student Loan. I need to discuss your repayment options with some new changes that have taken effect recently. So, if you could please be sure to give me a call back, my number is XXXX. And I am going to give you a reference number, if you would please have this handy when you call back, that would be very helpful. Your reference number is XXXX. Thank you! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was applying for a loan through XXXX XXXX and I received a text message the next day saying I was approve for a {$7000.00} loan. The text message said it was from XXXX XXXX wit an a approve number and a number of XXXX telling me i would have an intertest rate of 9 % & what my monthly payment would be of {$220.00}. So I call the number and they said I need to verify my information, they told me my name ask for my ssi number and checking account information than they ask for my banking login information and thats when i realizes something was not right. I ask them why do they need my bank login information they reply to make sure this is my account and to see my deposits I told them why are we not calling the bank or you sending it through a website that does that. he when on to say because that is how we do there verification so I old him no i am not giving him that because I have been scam like that before and he told me I could look them up. I told him no and hang up the phone. but they had my checking account information and ss number. I call my bank and told them what happen so they frozen my account so nothing comes out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Resurgent Capital Services L.P.
State: TX
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:
My name is XXXX XXXX, and I am filing my complaint without the help or influence of any third person or agency. Please check the attachments for my complete complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Byrider Franchising, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to 2014 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with the exception of statement showing a balance. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank refuses to give me access to a direct deposit. On XX/XX/XXXX I deposited a check from my brother for XXXX . In was returned insuffient funds due to he accidently wrote it out of wrong acct. When it was returned my acct was negative XXXX . I called Chase and they notified me they will mail the check bank to him. My brother air mailed me a check from the correct acct for XXXX $ and I deposited via Chase mobile app on XX/XX/XXXX. On XX/XX/XXXX my mobile app stated funds were available. I attempted to purchase gas on XX/XX/XXXX and XX/XX/XXXX and it was declined. On XX/XX/XXXX I called Chase and was transferred to a hold department. I was total a hold was placed on my funds til XX/XX/XXXX. She stated she could not tell me why but gave me reasons it may be on hold like supecious unusally deposit, insuff funds, and others. I informed her I was in hardship, no food for household and no gas and my dad is admitted in hospital and ask for XXXX $ to be available and it was decline. I asked her to cancel the deposit. She stated it cant be done. I informed her that I was going to take the check to the bank it is on, XXXX XXXX XXXX, and she said I could not do that and advised against it. I will be going to the food bank tomorrow for the first time in my life. I am unable to pay my ulitities which will be overdue by XX/XX/XXXX and worsest of all, my rent is due on XX/XX/XXXX and I will be charged XXXX $ per day late fees ( XXXX $ ). This check is written on my dad acct which my brother is XXXX. Dad moved in with me and this check is covering the expenses I occurred for caring for him. My brother and I are jointed guardianship. He is supposed to be released from hospital tomorrow 40 miles away, will have new prescriptions to be fill for XXXX and I will not have his money available to care for him. I will be contacting the hospital social worker tomorrow for help. My brother told me that Chase did the same thing to him and that 's why he changed back. Chase bank is abusing the hold fund to accumulate interest for gainful profit. XXXX I pray for our Nation. Their is no longer middleclass citizens to due corporate thieves. The customer service lady I spoke to today was cold hearted. I checked my mobile phone again a few hours after I got off phone with her and the funds that showed available are no longer available. She changed went after I told her that I was going to try to take the check and cash it at the bank it was wrote on. She again advised me not too, and said she was going to " note my acct ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ok so, there was a computer glitch XXXX summer XXXX & early XXXX ) that was transunion problem, NOT XXXX caused my inquires to be deleted. Transunion later added them all back onto my credit report without giving me the legally written notice XXXX days prior to them re-adding them! ive contacted transunion in good faith to ask them to delete the inquires that they illegally re-added. i spoke to XXXX supervisors XXXX XXXX & XXXX ). these inquires did add a hardship to my credit report and my right where greatly violated by transunion! I ASK FOR YOUR HELP TO ASK TRANSUNION TO STOP VICTIMIZING ME! AS A RESOLUTION I WOULD ASK FOR ALL MY INQUIRES BE PERMANENTLY DELETED FROM MY CREDIT REPORT AS A VIOLATION DID TAKE PLACE WHEN THEY WHERE ILLEGALLY RE-ADDED

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